Recent figures released now show that there are more retired people living on the Costa Blanca than in Miami.

Many are well funded with a lifestyle in their Spanish villas akin to the one they left behind in their own countries. Such people are attracted to the various coasts although a small percentage do move inland. However, Spain does not play host only to the very rich, others buy into more modest accommodation which is becoming increasingly available.

Find the right property in the right location and you can expect your purchase to turn into a healthy investment providing an impressive return for your children and grandchildren. On this subject you need to take good advice so as not to get on the wrong side of the Spanish law of enforced inheritance.

With some parts of Spain having rain only 10 times a year and most of this during the night - and no water shortages, its unlikely that pressure for housing in these areas is likely to ease. In fact, as Britons become better Europeans, more of them seem to be crossing the channel heading south in search of the sun.

Private health insurance group Bupa reports a steady growth in the number of UK residents retiring to Spain where it owns the largest health insurer Sanitas, with one million customers. We can currently advise on better deals with other insurance companies but watch the market very closely as it changes quite frequently.

Where they are good, they are very good and Spain is renowned for having excellent hospitals with well-trained staff, probably more consistent in quality than can be said in the UK at the moment. However, there are parts of Spain where it may be better not to be taken ill. But in truth, relying on the state is probably not an option for expats who may well need a lot of care in their final years.

The E111 form that guarantees free healthcare across the EU is interpreted differently in virtually every EU country and in Spain, from hospital to hospital. In some state hospitals you may find that relatives are expected to bring in meals and there will be charges for all ancillary services. Getting someone to push your wheelchair around might cost a few euros. In other hospitals it might all be free. Televisions for wards may be available but in some hospital may have to be hired.

If you can afford it, opt for a comprehensive private medical insurance. Comprehensive policies for people in the 55 - 60 age year group will work out at around €720, possibly less if you shop around.

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