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What steps should we take as future retirees planning to live in Hua Hin, Thailand, and what visa options are recommended?

Retirement Visa Options NON-O Visa Hua Hin Financial Planning Health Insurance Living in Thailand Expat Advice Banking in Thailand

Aug 5, 2025

20 hours ago

Tess ********

ORIGINAL POSTER

Hi everyone 

Me and the Mrs intend to retire somewhere around Hau Hin. This is the plan when I retire at 62 in April 2027.

We will have £400,000 approx from our UK house sale and I will have a pension of £12,000 per annum until we receive our state pension in 2032. 

We intend to use this money combined to live and rent.

We are coming for a three week visit next March, is there anything we could be doing in March to get the ball rolling. 

We intend to use agents to sort everything out for us so any recommendations will be welcomed. 

We realise our plans are in the future and things change but we feel any knowledge is better than non. 

Thank you in advance for any help given.

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TLDR : Answer Summary

The post discusses the retirement plans of a couple intending to move to Hua Hin, Thailand, with a budget from a UK house sale and pension income. They ask for recommendations on steps to take during a planned visit to Thailand, particularly regarding visa options and agent recommendations. Community responses suggest applying for a NON-O visa, using agents for relocation, the importance of selecting a reputable agent, and general financial advice, including the necessity for health insurance and independent financial planning.

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John ********

Leave all your money invested at home.

16 hours ago

Mark **********

Be careful which bank

I’ve heard you can loose your money in certain banks

But don’t quote me on it

Look into it properly

16 hours ago

Thehoodyguy *************

Pick where you would like to live. and then go and ask immigration for that area for there requirements

then you can get all that ready for when you want to go

if you use an agent not only do you lose some of your capital you could end up tied to the agent for the foreseeable future. just do it yourself and be legally there

18 hours ago

Gary **********

Just do it yourself. You got loads of money so. For 1,900 bht you fo it. Just avlittle time needed. I did it ...you can live on your pension like a king there ..

No need to touch your lump sum infact leave it a bank outside thailand font touch it. Things can go wrong any time.

18 hours ago

Kevin *********

The £

*****

0 should give you well over £1000 a month interest, plus £1000 from your pension , then your state pension approx £900 a month - £200 tax , financially ok i would have thought

18 hours ago

Angus *********

You need to take independent financial planning advice. Make that 400K work and earn, try not to eat into it. Good luck. 🙏💪

19 hours ago

William *******

Visit Krabi first. It may change your mind.

19 hours ago

Robert *********

Buy health insurance now!!!

19 hours ago

Martyn *******

You have plenty of time and finances by the sound of it, I would do it yourself if posdible

20 hours ago

Andy ********

Just bare in mind that your pension will be locked in at £12k per year and will not rise so factor that into your finances.

20 hours ago

Roger ********

@Andy *******

Why would a private pension be locked?

18 hours ago

Andy ********

@Roger *******

so you are certain it’s a private pension?

17 hours ago

Malcolm *********

@Andy *******

He said he'll get his state pension in 2032.

15 hours ago

Roger ********

@Andy *******

that's the way it reads

17 hours ago

Andy ********

@Roger *******

I've re-read it and agree with you now, my bad.

15 hours ago

Roger ********

@Andy *******

no worries

15 hours ago

Reply to

Roger ********

Sean ************

You will live very well on that amount of income.Just take you time to select the right Visa agent. Best go to a very reputable agent and pay a little more. I am talking about when you want to relocate to Thailand 🇹🇭

20 hours ago

Glen ********

With your pension,and the money u can make from your house,interest/investments,you probably won't need to touch the capital 🤷

20 hours ago

Brandon ************

It sounds like you're already past 50, so if possible I would recommend applying for a non-O visa for this trip from your Thai embassy. You would use the e-visa system to do that. That would give you an opportunity during your trip to try and open a bank account. With only 3 weeks it will be hit or miss if you'll actually be able to get it done, but if you can it will put you a step ahead for your planning for 2027.

20 hours ago

Mike ********

@Brandon ***********

Hi Brandon. I am in a similiar position as OP and have a question for you. As background, I live in USA, retired in 2025. My finances good. The issue is I can not to move to Thailand until summer of 2026. However I plan to take a one month vacation before then. Would it make sense to apply to apply for non -o visa with my embassy here before the one month trip, so that I can try to open a bank account during that one month, or should I wait to apply for the non-o after the trip. Are there any issues to getting the non-o and then goung for one only month on that and then returning ti USA and then going back on the same visa?

15 hours ago

Brandon ************

@Mike *******

The bank account is going to be the single most difficult part of the process. The sooner you can get it done, the easier your life will be in the future. If you don't mind applying for the non-O now, then I would do it.

14 hours ago

Reply to

Brandon ************

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What agents can assist me with my retirement visa and relocation to Thailand in 2026?

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