We moved to the Algarve 5 years ago and we are very happy but in your position I wouldn’t.
I think with major changes like emigration/ conception/ adoption/ getting a pet, - the person arguing for maintaining the status quo has right of veto unless they are reneging on a joint plan agreed at the outset of the relationship.
We got Residency before the Brexit rules came into effect and it is much harder now. Friends with property here who don’t have Residency have to be very careful with the 90 days rule.
Costs of eating out and alcohol are much cheaper here than in the U.K. but costs of motoring and Utilities are surprisingly expensive. Houses here are surprisingly cold in winter so outside of a few weeks in Spring or Autumn you are running heaters or air-conditioning and lots of houses and flats are woefully insulated.
You need to be careful of your Tax position so even though DH is an able accountant we pay for a local accountant to take care of local obligations and a U.K. accountant who specialises in international clients to ensure we comply with obligations there.
I have learned Portuguese to a good level but my husband tried and failed. If neither of you speak Portuguese you will need to employ people to help you navigate the labyrinthine bureaucracy here, public employees often don’t or won’t speak English, even on the Algarve, we wouldn’t expect the reverse in the U.K. In Portugal it is more common to have to attend offices to get things done than it is in the U.K. where more is done online. If you don’t have good Portuguese you will also rely upon plumbers, builders and trades who cater to the immigrant, anglophone population and they tend to be relatively expensive and not always the best.
Year round rental is very expensive here, - reasonably priced rentals will require you and your belongings to disappear for the 2 highest season months of the year and renting elsewhere those months and paying for storage will cost as much as you have paid for the previous 10 months.
Property prices are expensive within 10km of the coast. Unless you are moving from London or the Home Counties you will be disappointed with how far your money goes.
The SNS, the public health service is similar or worse than the NHS in terms of waiting lists so we have Private Medical Insurance which whilst cheaper than in the U.K., still costs us nearly €5,000 per year as a couple and we are only mid 60s and mid 50s respectively. It will increase significantly as we age.
We owned a holiday home here for two years before making the move so it wasn’t such a leap of faith, we are also in the fortunate position of having invested savings and a commercial property in the U.K. that hedge against us wishing to return to the U.K. in the future. If we did decide to do so we would be very comfortable even should the U.K. property market outperform the local property market.
If your husband’s hobby is golf then he will be aware the choice and quality of courses here is fantastic, however it is VERY expensive because there is not only domestic demand but plane-loads of golfers on trips from Northern Europe so courses can charges high prices for tees and for membership. They aren’t competing for members as they have been in recent years in the U.K.
I think you are right that your husband will bring his depression or dissatisfaction with him but that you will both be in a much more vulnerable position.
A winter or shoulder season rental for a month on a regular basis would be a much better idea.
We love Portugal and we are very happy here as are the immigrant friends from different countries we have met here. We all share financial security in common though.
I have found Portugal to be a very friendly place and that continues but as in the U.K., there is increasing resentment of immigrants putting pressure on public services and pushing up property prices beyond the reach of locals. This is reflected in the growing popularity of Chega, a political party a little like the U.K. Reform party. Recently we and our friends have increasingly been challenged to speak Portuguese at security when entering and exiting the country and those that have to say they don’t speak Portuguese or who don’t understand when they are addressed in Portuguese get told off.
I hope that if your husband doesn’t plan to learn Portuguese he is supportive of immigrants to the U.K. who don’t learn the language and who live within their own cultural communities according to the norms of their countries of origin.
It’s scarcely believable but I have heard the odd British immigrant over here give immigration to the U.K. and not even recognising the country these days as one their reasons for moving to Portugal, - without any sense of irony!