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Moving to Dubai and Leaving UK property empty

Moving to Dubai and Leaving UK property empty

Old Apr 7th 2016, 3:32 pm
  #1  
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Default Moving to Dubai and Leaving UK property empty

Hi all,

I have a job offer (teaching) in Dubai starting in August. However, I have just had an offer accepted on a cheap flat in the UK. I would like to continue with the purchase but what costs will I have to be aware of whilst away? Council tax etc? I cant rent it as i will be putting a small deposit down.
The mortgage is only around £280 per month and my salary will be 12000 AED. Should I be able to pay everything (apartment in Dubai provided, just utilities to pay) and still live a little?!

Any advice/experiences would be great to hear. Thanks!
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Old Apr 7th 2016, 3:38 pm
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Default Re: Moving to Dubai and Leaving UK property empty

Insurance may be an issue if the property is vacant for an extended period.

If you don't have anything in it, insuring the structure should be relatively achievable, but if you use it as a warehouse for any personal possessions, you may have great difficulty obtaining contents insurance.
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Old Apr 8th 2016, 9:42 am
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Default Re: Moving to Dubai and Leaving UK property empty

Originally Posted by Mrogz View Post
Hi all,

I have a job offer (teaching) in Dubai starting in August. However, I have just had an offer accepted on a cheap flat in the UK. I would like to continue with the purchase but what costs will I have to be aware of whilst away? Council tax etc? I cant rent it as i will be putting a small deposit down.
The mortgage is only around £280 per month and my salary will be 12000 AED. Should I be able to pay everything (apartment in Dubai provided, just utilities to pay) and still live a little?!

Any advice/experiences would be great to hear. Thanks!
You will have to pay council tax on it and any charges due, and insurances will be very difficult as there usually have clauses stating that the insurance will lapse if the place is unoccupied for x weeks.
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Old Apr 8th 2016, 10:45 am
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Default Re: Moving to Dubai and Leaving UK property empty

rent it out. Get someone else to pay a bit of the mortgage off while you are away.
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Old Apr 8th 2016, 2:26 pm
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Default Re: Moving to Dubai and Leaving UK property empty

Originally Posted by Mrogz View Post
Hi all,

I have a job offer (teaching) in Dubai starting in August. However, I have just had an offer accepted on a cheap flat in the UK. I would like to continue with the purchase but what costs will I have to be aware of whilst away? Council tax etc? I cant rent it as i will be putting a small deposit down.
The mortgage is only around £280 per month and my salary will be 12000 AED. Should I be able to pay everything (apartment in Dubai provided, just utilities to pay) and still live a little?!

Any advice/experiences would be great to hear. Thanks!
Is renting a prohibition imposed by your mortgage provider?
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Old Apr 8th 2016, 3:34 pm
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Default Re: Moving to Dubai and Leaving UK property empty

Originally Posted by Bahtatboy View Post
Is renting a prohibition imposed by your mortgage provider?
Buy to let mortgages have a higher repayment % and may also be for less time, and with the new rules that came into force April 1st, they are nowhere near as easy to get.
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Old Apr 10th 2016, 5:38 am
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Default Re: Moving to Dubai and Leaving UK property empty

Also, I think it affects the amount of days you can spend in the UK and remain tax free....it's based on ties and things. Would really limit your summer / easter / xmas holidays as going back to UK wouldn't be an option.

Check google and HMRC website.
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Old Apr 10th 2016, 5:49 am
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Default Re: Moving to Dubai and Leaving UK property empty

Originally Posted by Scamp View Post
Also, I think it affects the amount of days you can spend in the UK and remain tax free....it's based on ties and things. Would really limit your summer / easter / xmas holidays as going back to UK wouldn't be an option.

Check google and HMRC website.
you're right, it does. A rented property doesn't.
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Old Apr 10th 2016, 7:15 am
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Default Re: Moving to Dubai and Leaving UK property empty

Originally Posted by Millhouse View Post
you're right, it does. A rented property doesn't.


Knew someone else would have the specifics.
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Old Apr 10th 2016, 7:25 am
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Default Re: Moving to Dubai and Leaving UK property empty

Originally Posted by Scamp View Post


Knew someone else would have the specifics.
I've glossed over a lot of detail in my reply though!
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Old Apr 10th 2016, 7:41 am
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Default Re: Moving to Dubai and Leaving UK property empty

You call that detail?

One connecting factor, such as a property available for use, will not make a difference. Someone with just one connecting factor can theoretically spend up to 183 days in the UK without being considered resident. That changes however if work is carried out whilst there.

https://financialuae.me/2013/02/12/i...esidency-test/

The OP would need the permission of the lender to rent the property and must ensure that it is properly insured. Those will be clauses in the mortgage agreement.
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Old Apr 10th 2016, 7:43 am
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Default Re: Moving to Dubai and Leaving UK property empty

Originally Posted by Meow View Post
You call that detail?

One connecting factor, such as a property available for use, will not make a difference. Someone with just one connecting factor can theoretically spend up to 183 days in the UK without being considered resident. That changes however if work is carried out whilst there.

https://financialuae.me/2013/02/12/i...esidency-test/

The OP would need the permission of the lender to rent the property and must ensure that it is properly insured. Those will be clauses in the mortgage agreement.
There we go. I didn't want to call out your name and make you reply, but hoped you would.
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Old Apr 10th 2016, 7:47 am
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Default Re: Moving to Dubai and Leaving UK property empty

Originally Posted by Scamp View Post
There we go. I didn't want to call out your name and make you reply, but hoped you would.
Just refer people to my website...
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Old Apr 10th 2016, 9:30 am
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Default Re: Moving to Dubai and Leaving UK property empty

Originally Posted by Meow View Post
You call that detail?

One connecting factor, such as a property available for use, will not make a difference. Someone with just one connecting factor can theoretically spend up to 183 days in the UK without being considered resident. That changes however if work is carried out whilst there.

https://financialuae.me/2013/02/12/i...esidency-test/

The OP would need the permission of the lender to rent the property and must ensure that it is properly insured. Those will be clauses in the mortgage agreement.
there's the detail I glossed over. It also depends on the kids, the other ties and if he was non-resident last year. But you can piss for longer than me in this competition, I know what I know from filling out my tax return and reading the rules as they applied to me
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Old Apr 10th 2016, 10:38 am
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Default Re: Moving to Dubai and Leaving UK property empty

Competition?

It's not a competition, it's called giving facts and of course I know more about this topic as it's what I do every sodding day.

Do you have to be so rude/sarcastic all the time?
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