Over half of UK expats living overseas feel better financially than 12 months ago, a study by Hoxton Wealth has shown.

The group’s 2025 Worldwide Wealth Survey revealed that 54 per cent UK expats living overseas feel either better or slightly better financially than they did a year ago, with 39 per cent attributing this to cheaper living costs, and 25 per cent to the performance of their investment portfolios.

Hoxton Wealth study was based on responses from UK expats living in Europe, the Middle East, North America, South East Asia and Australia and New Zealand.

When asked about their financial priorities, 63 per cent of expats said it was to plan for their retirement, while other answers included to invest (41 per cent) and to build up their savings (39 per cent). By comparison, just 10 per cent said their priority was debt reduction.

93% of those surveyed said they were either somewhat confident or very confident in their ability to plan for their long-term financial goals. Only 7% said they were not confident.

“It’s encouraging to see that more than half of UK expats feel financially better off than they did a year ago, driven by factors such as rising portfolios and property values,” Hoxton Wealth CEO, Chris Ball, commented.

“However, the fact that 42 per cent still don’t have a relationship with a financial adviser is a concern. While many expats feel confident about their long-term planning, without professional guidance they may be missing opportunities to maximise their wealth or protect against future risks.

“For those navigating pensions, investments, and cross-border tax considerations, tailored financial advice can make the difference between feeling secure today and being truly prepared for tomorrow.”

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