Retiring To North Cyprus: Your Questions Answered

Considering North Cyprus as a retirement destination? Find the answers to the most common questions you, as an expat, might have when moving to North Cyprus.

Our North Cyprus expert, Kate Smith from Ian Smith Estate Agency, the leading property agent in North Cyprus, answers all your questions about moving to and settling down in North Cyprus.

The Q&As are updated regularly. If you cannot find an answer to a particular question, please get in touch with us with your query, and we will add the answer to the next update.

Key facts

• North Cyprus enjoys a wonderful Mediterranean climate, allowing for outdoor activities all year round.
• Cost of living is substantially lower in North Cyprus compared to most European countries, making it a financially viable retirement option.
• Retirees are not taxed on their pension incomes in North Cyprus, adding to the financial benefits of choosing this destination.
• Property transactions in North Cyprus are handled using the British legal system, providing a familiar and straightforward process for British retirees.
• North Cyprus provides easy access to other European and Middle Eastern countries, making it an ideal base for those who enjoy traveling.
• The low property prices and favorable currency exchange rate in North Cyprus make it a particularly affordable choice for property purchase and renting.
• The island boasts pristine beaches, clear blue waters, and stunning natural beauty, providing plenty of opportunities for an active outdoor lifestyle. 
• North Cyprus ranked highly on both the Live and Invest Overseas Retirement Index and Expatra Global Retirement Index in 2024, a testament to its appeal as a retirement destination.

Is North Cyprus a member of the EU?

On May 1st, 2004, the Republic of Cyprus became a full member of the European Union (EU) on behalf of the whole island. It means that the whole island is considered to be part of the EU. However, the application of EU law is suspended in the northern part of the island.

The Turkish Republic of Northern Cyprus (TRNC), which is not recognized as a member state, is within the borders of the European Union but outside the territory of the internal market.

What are the benefits of moving to North Cyprus?

• Great base to travel the world
• Super climate
• Very low level of crime
• English is widely spoken
• Low cost of living (meze and kebab dinner around £10-£15)
• Tasty produce at rock-bottom prices
• No tax on pension incomes
• Property transactions in GBP
• Property procedure follows the British legal system

How safe and secure is North Cyprus?

North Cyprus is one of the safest destinations in the Mediterranean.

Crime

Crime levels are noticeably low and statistically lower than in South Cyprus; house burglaries are rare, and incidents of violent crime are extremely uncommon.

The sense of safety extends into the night; most residents report feeling comfortable walking around even after dark.

Even though Kyrenia has the highest rate of violent crime in North Cyprus, it is still rare, and the city is safer than most cities in Europe and America. For example, people feel safe leaving their cars unlocked; bars on the windows and high fences around houses are uncommon and not necessary.

Local communities are friendly and have a reputation for looking out for each other.

The local government also makes an effort to ensure residents’ safety and security. The local police force is well-trained and equipped and responds quickly when needed.

Political situation

Yes, the political situation is somewhat tense but not violent. Be mindful of it when talking to locals; people can feel passionate about politics and the situation around the divided island.

Consular assistance

Consular assistance for most foreigners in Northern Cyprus does not exist (except for the British consulate, which offers limited services). However, you can easily get to your consulate by crossing the border to the South, where most consulates and embassies are based.

Health

It’s generally advisable not to drink tap water in North Cyprus. The majority of residents opt for bottled water instead.

Swimming is usually safe, but watch out for strong waves and currents. Follow warning signs and stick to safe areas.

Natural disasters

During summer, dry and hot weather can lead to forest fires and wildfires. To stay safe, make sure you follow the local authorities’ alerts.

Earthquakes and tremors are common in Cyprus. Be sure to learn safety measures and heed the advice of local officials.

Healthcare in North Cyprus

Can I use public hospitals in North Cyprus?

Yes, if you have residency, you are entitled to use public hospitals. When you apply for residency, you must have health insurance.

You can apply for state health insurance in North Cyprus via the Koop Bank in Nicosia. It will cost you around £50 per year, cover the use of a State ambulance (112 Emergency Ambulance Service), and give you a 20% discount on treatments.

Are private hospitals good enough in North Cyprus?

North Cyprus’ private hospitals are very well-equipped and staffed with highly-trained doctors and nurses.

Near East University Hospital in Nicosia has state-of-the-art equipment, a cutting-edge diagnostic imaging center, and English-speaking staff.

There are also excellent dentists trained in Turkey, Europe, and the States at very reasonable prices.

Can I use South Cyprus hospitals if I live in North Cyprus?

Yes, you have the option to use hospitals in South Cyprus if you choose to do so.

How much will private healthcare cost me?

Health insurance is available from various local agencies. Depending on your age and health, a middle-tier plan with nil excess can cost you around £1,000 per year and will increase from the age of 55 upwards.

The pay-as-you-go option is also available; regular “maintenance” visits to a doctor won’t break the bank. For example, a GP consultation can cost you £20-30.

Retirement visa requirement

Do I need a visa to visit North Cyprus?

No pre-arranged visa is required for North American citizens and most European countries, including the UK. You can get a visa on arrival that is valid between 30 and 90 days.  

How do I get my residency permit?

A short-term residency is given on entering the country. It usually covers 30 or 90 days.

To apply for long-term residency, the system is now automated and online. You can find up-to-date information in the Foreign Residents Society group on Facebook and on the website.

Residency permit for retirees

Though the local Immigration Office at the police station can professionally guide you through this process, below is a ready reckoner for your convenience:

1. A valid passport: You must possess a passport with at least six months of validity beyond your expected stay.
2. Proof of financial stability: Demonstrate your ability to comfortably support yourself without having to work in North Cyprus. This usually involves showing pension documents or other evidence of regular income from assets outside North Cyprus.
3. Health insurance: Show proof of comprehensive health insurance. The coverage should ideally extend to major treatments and hospitalizations.
4. Health certificate: A health certificate stating you’re free from any contagious diseases is needed.
5. Criminal record certificate: A document proving that you have no criminal record.
6. Proof of residence: You need evidence of your dwelling place in the country. Often, homeownership becomes the most significant checkpoint. If you’re renting, you’ll need a legitimate rental agreement.
7. Application fee: There is a non-refundable application fee that varies based on the policy set by the government of North Cyprus.

Where to live

Deciding where to spend your golden years is a big decision, and North Cyprus has a variety of attractive locations for retirees.  The main thing to remember is that North Cyprus is small. If you have a car (and all expats do, as it makes life easier), driving to the beach or the golf course doesn’t take long. It means you can choose to live anywhere you like and still be within a short drive of the amenities you need.

Below are the areas that retirees find the most appealing:

1. Kyrenia (Girne): Famous for its stunning harbor and historic castle, Kyrenia is a great place to retire to. It has all the nice cafes and restaurants, activities, and shopping.
2. Famagusta (Gazimağusa): Step back in time with a visit to this historic walled city. Packed with architectural treasures, it’s ideal for retirees interested in history and culture. Plus, there are sandy beaches nearby.
3. Bellapais: This beautiful village is perfect for those seeking a peaceful and serene environment. The Bellapais Abbey is a landmark, and the annual music festival attracts visitors from around the world.
4. Esentepe: If you’re a golf enthusiast, you’ll love Esentepe. This village is home to a world-class golf course, and you can also enjoy impressive views over the Mediterranean.
5. Lapta: Lapta is a charming and friendly village set against a backdrop of mountains and close to several beaches. The slow pace of life here makes it ideal if you want to relax in retirement.

Please remember, while these places are popular, your preference may vary based on your lifestyle and interests. It’s best to spend some time exploring North Cyprus to discover the place that feels like home to you.

How affordable is North Cyprus?

The cost of living in North Cyprus is commonly hailed as among the most affordable in the Mediterranean region. So, you’ll find your money stretches considerably further compared to many other popular retirement destinations.

A budget of $1,400 to $1,500 per month would allow a retired couple to live comfortably in North Cyprus. This budget takes into account rent for a two-bedroom apartment with a sea view (approximately $500-$600), groceries, utilities, healthcare, and some leisure activities.

How can I find friends and integrate into the community?

There is a strong expat community scattered across the area with bowling teams, a superb golf course in Esentepe, darts teams, gyms, badminton, etc.

The Foreign Residents Society can help you integrate quicker and find friends. They host and organize various social events and gatherings and follow the updates on their website.

Property and real estate

How easy is it to rent a property in North Cyprus?

Renting in North Cyprus is straightforward; 2 deposits and one month’s rent are usually asked for upfront, plus a reference from a previous landlord or employer.

Rent can be paid in the UK or by a local bank.

How much will it cost me to rent a property in North Cyprus?

Monthly costs are considerably lower than in the UK, and so are electricity, water, and gas (if central heating is available).

Rental prices range from around £400 for a two-bedroom apartment to £700+ for a three-bedroom villa with a pool.

Can foreigners buy a property in North Cyprus?

Yes, foreigners can buy a property in North Cyprus. It’s a straightforward process, which will include providing a clean police check and receiving permission from the Council of Ministers.

What is the process of purchasing a property in North Cyprus like?

All properties are priced in GBP. The transfer fee is 3%, and legal fees are around £1250.

Most conveyancing lawyers are trained in the UK and speak fluent English.

 A clean criminal record is required to apply for your permission to buy, and once this is granted, the deeds are transferred into your name.

Please check our website, www.iansmithestate.com, for the legalities.

Ian Smith Estate Agents – Expatra’s trusted property partner in Northern Cyprus

Ian Smith Estate Agency is a family-owned business. It’s the first British estate agency established in North Cyprus.

Back in 1986, Ian Smith came to North Cyprus on a government tender to build social houses for the locals and fell in love so much with the island that he moved the whole family to Cyprus. Now Ian’s daughter Kate and son-in-law Osman continue to run the business.

Kate Smith knows the local property market from the inside out. She also has a deep understanding of the norms, rules, and regulations of the country. She is also very familiar with questions and worries you may have when relocating to North Cyprus and is in a perfect position to help you.

If you are looking for a reputable and reliable property specialist in North Cyprus, we recommend Ian Smith Estate Agents. This is why:

• Vast knowledge of property transactions  with over 30 years of experience;
• 1000s of satisfied customers;
• Qualified and long-standing staff. Kate is the only agent in North Cyprus with a UK diploma in Residential Estate Agency;
• Family-run business;
• NO hard sell;
• Experts in all there is to know about North Cyprus;
• Bilingual staff.

If you have more questions about moving to North Cyprus, please, contact Expatra, and we will include the answers in our next update.

If you have questions about renting or buying a property in North Cyprus,  contact Ian Smith Estate Agents directly or drop us an email, and we will introduce you to Kate personally.

You might find useful:

• Living In North Cyprus – a detailed guide to relocating and settling down in North Cyprus.
• Best Places To Live In North Cyprus – an overview of North Cyprus’ most popular locations.