Wider field · Latin America

Chile

Santiago: Eli's own number one — a skyscraper city with Andes MTB, skiing and rowing all in one commute radius.

~£41,900
all-in / year
~£3,490
per month
$1,500/mo
income needed
The pitch

Why Chile sells

Santiago is the one city on the shortlist that stacks all three of Eli's things in one commute radius: a skyscraper capital, world-class Andes mountain biking on the doorstep, lift-served skiing about an hour from the front door, and flat-water rowing at Laguna Carén, the national regatta lake.

It has a Mediterranean climate, dry sunny summers and real winter snow up the hill, well-established British IGCSE schooling, and a fast route from temporary residence to permanent residence. For a 14-year-old who wants mountains and water without leaving the city, it's close to purpose-built.

The honest counterweights are Santiago's winter smog, essential Spanish, and long, expensive flights that put the UK-based siblings a full travel day away.

The route in

How you actually get residency

Chile has no dedicated nomad visa; income-earners use a temporary-residence category and enjoy a rare perk — new residents are taxed only on Chilean-source income for their first three years. Planning-grade; confirm with SERMIG and a Chilean adviser.

Simon & MandyPrimary · income-tested

Temporary residence (remote worker)

The practical route for remote income, applied online via SERMIG under Migration Law 21.325.

  • Show stable income ~US$1,000–1,500+/mo per applicant + ~$500–600/dependant — comfortably cleared
  • Up to 2 years, renewable; documents need UK apostille + Spanish translation
  • SERMIG processing has run long (6–8 months) — don't let tourist status lapse
The fast prizeSettlement

Permanent residence & citizenship

Genuinely quick settlement by global standards.

  • Permanent residence after just 12 months where you have stable income/family ties
  • Citizenship after 5 years; dual nationality permitted
  • Government fees are low for UK nationals (reciprocity — verify)
Eli & DarciDependants

Who can come

Spouse and minor children are included; adult children aren't automatic.

  • Eli (14) is included as a dependant
  • Darci (18) is over 18 — she'd need her own temporary-residence basis (own income or student visa)
  • Per-dependant income figure is at SERMIG discretion — verify
Read this firstThe catch

Tax window, smog & distance

A big tax perk, and three real costs.

  • New residents are taxed only on Chilean-source income for 3 years (extendable to 6) — your overseas income is outside Chilean tax in that window, then worldwide (0–40%)
  • Santiago has winter smog (May–Aug) — higher barrios sit above the worst
  • Long, expensive flights; ~14h and a UTC-4 timezone from UK-based siblings
By the numbers

What a year costs

~£41,900/ year
≈ £3,490 per month · 2 adults + Eli · Santiago (higher barrios)
Living (2 + Eli)£27,100
Eli · IGCSE school£9,350
Flights (6 return/yr)£5,400
Living 65%School 22%Flights 13%

Comfortable within income, but long-haul flights are a real line and year one adds one-off school and visa costs. Figures at ≈ US$1.32 to £1 (planning rate — verify).

Monthly living, itemised — 2 adults + Eli (excludes school & flights)
ItemUSD / month£ / month
Rent good 3-bed (Las Condes / Providencia)~$1,320£1,000
Groceries & household~$594£450
Utilities & internet~$185£140
Private health insurance Isapre, family~$330£250
Transport metro passes + some car~$158£120
Eating out, leisure & sport~$396£300
Living subtotal≈ $2,983≈ £2,260 / mo

Then The Grange School (IGCSE ~£8,900/yr + fees) and ~6 return UK flights (long-haul, ~£900 each) take the all-in to ~£3,490/mo. Year one adds a one-off school incorporation fee (~£6,600) — budget ~£48–50k that year.

The practicalities

How it actually works

Tax on foreign income

3-year grace, then worldwide

A rare perk: new tax residents pay Chilean tax only on Chilean-source income for their first 3 years (extendable to 6) — overseas business income is outside scope in that window. After it, worldwide at 0–40%. UK–Chile treaty in force; plan before the window ends.

Healthcare

Strong private (Isapre)

Private Isapre plans give access to excellent hospitals (Clínica Alemana, Clínica Las Condes); family premium ~£160–280/mo plus co-pays. International policies cost more but cover repatriation.

Climate & coast

Mediterranean; winter smog

Hot dry summers (Dec–Feb, 28–32°C), mild winters with snow on the peaks. The coast (Valparaíso/Viña) is ~90 min. Winter smog traps in the basin May–Aug — higher barrios (Lo Barnechea) are cleaner.

Schooling · IGCSE

Real British schools

The Grange School (Cambridge IGCSE + A-level, ~£8,900/yr), plus Craighouse, Redland and Nido de Águilas. A genuine British-tradition school market — ~£8,000–14,000/yr.

Pets

No quarantine

ISO microchip (mandatory from Jul 2026), rabies jab (≥21 days prior), core vaccines, and an APHA-endorsed health certificate within 10 days, presented to SAG on arrival. Fly as manifest cargo.

Safety & notes

Stable; uphill barrios safest

Among Latin America's safer, best-governed countries; Santiago's east/uphill barrios are low-crime and family-friendly. Petty theft has risen in the centre. Spanish is essential; the Andes is seismically active (modern housing is engineered for it).

For Eli

His dream fit — city, mountains and water in one

Mountain biking

World-class and immediate. Trail networks minutes from the city (Parque Aguas de Ramón, Cerro Manquehue), big descents at Farellones/El Colorado, and the Cajón del Maipo valley — year-round riding at altitude on the doorstep.

Rowing

Laguna Carén, west of the city, is Chile's national flat-water regatta venue (used for continental championships), with Club de Remo Carén and university clubs running junior programmes. A 14-year-old can train on an international-standard course. And skiing is the bonus — Farellones and Valle Nevado are ~1–1.5h up from Las Condes (season ~June–Sept). Confirm the junior rowing intake.

Honest view

The trade-offs

In favour

  • Eli's number-one fit: skyscraper city + Andes MTB + skiing + Laguna Carén rowing
  • 3-year tax grace on overseas income; fast 12-month PR
  • Real British IGCSE schools (The Grange)
  • Mediterranean climate; strong private healthcare
  • Stable, well-governed; safe uphill barrios

Against

  • Winter smog in the Santiago basin (May–Aug)
  • Long, expensive long-haul flights; furthest from UK-based siblings
  • Spanish is essential (fast, slang-heavy Chilean Spanish)
  • Darci (18) needs her own residence basis
  • Coast is 90 minutes, not on the doorstep
  • Year-one one-off school/visa costs are significant
Sources & notes
Expat.cl — Chile remote-work residence PwC — Chile individual tax (3-year foreign-income grace) The Grange School — IGCSE fees Club de Remo Carén — Laguna Carén rowing Numbeo — Cost of Living in Santiago All figures planning-grade, July 2026, at ≈ US$1.32/£1. Not legal, tax or immigration advice — confirm dependant rules, the tax grace mechanics and school fees with specialists.