Moving back to blighty
 

Hi all, great to find this forum, thought it might be a good place to get some tips from those that have gone back to blighty already. Now at age 46 been out in Auckland for 16yrs and going back to live permanently to chester England. I was in full time employment in the uk from 87 to 2000, 13 yrs. I've been in full time employment here in nz since. First question is, because the uk and nz have a reciprocal agreement, will I get full uk state pension when I reach retirement age in the uk ? Also do I need to provide the uk of my tax contributions from nz ? Also am entitled to a tax rebate in nz because I am quitting half way thru a tax year ? I will also be wiring around 450,000 GBP from a bank in nz to the uk. Basically any tax tips or traps to avoid from all of your experiences. Kind regards

Re: Moving back to blighty
 

The OP should also consider applying for New Zealand citizenship before returning to the UK if not already done so.

Re: Moving back to blighty
 

Thx HGK3, yea we have nz citizenship already

Re: Moving back to blighty
 

Hi there and welcome to the wonderful world of BE.
I've been out in NZ for 13 yrs now & wouldn't rule out leaving.

Yes. Let them know & show proof. The NZ years may go someway towards your UK state pension . As you know the UK pension works differently to the NZ super. In simple terms you will need to accumulate enough working years under your belt or top up the contributions. It is rather more complicated than that though so perhaps best to open another thread about this.

Yes. You will want to look into your Kiwisaver also ,if you have one.

Re: Moving back to blighty
 

Why not email the DWP and ask? They are quite good at getting back to you.

Re: Moving back to blighty
 

[QUOTE=BEVS;12199548]Hi there and welcome to the wonderful world of BE.
I've been out in NZ for 13 yrs now & wouldn't rule out leaving.


Thx bev, yes bored

of it here now tbh, done everything there is to do in this hemisphere, seen enough beach to last me a lifetime, selling up in Auckland is an incentive I've got to say too.

Re: Moving back to blighty
 

Yea I'll give that a go thx. Do you know if there is any tax to pay to the uk gov upon transferring money made from sale of a home ?

Re: Moving back to blighty
 

If you pay any tax due in NZ then you are transferring your cash assets to the UK. Depending on the tax year overlap (if any?) you may have to declare the sale and tax paid on a Uk tax return. Double tax treaties should mean that you are not taxed twice.
In the UK, 80% of the population to not complete a tax return because of PAYE.
However, if you have substantial non-PAYE income then you need to complete a tax return.
You will need to provide proof of the source of your capital transferred to the UK e.g. proof of sale of home to comply with UK money laundering regulations.
The more paperwork you have, the better.

Re: Moving back to blighty
 

Not if the home was your principal residence.

Re: Moving back to blighty
 

Thx for your reply, these are exactly the kind of traps I want to be sure of, I think I will sit down with a tax accountant after that lot :)

Re: Moving back to blighty
 

Useful to know for when we finally leave NZ. In our 11th year here and can't wait to leave. Hoping to return to Blighty in 2018 (although I'd leave tomorrow if I won the lottery!)

I love Chester, such an interesting place with lots of history and a decent zoo :lol:. No idea where we will head for, depends on where OH can find a job. Good time to sell in Auckland, Morphius. Good luck with the move :thumbup:

Re: Moving back to blighty
 

You and me both! I hope to have a couple of grand (10 or so) saved by the end of 2018/start of 2019. I'm from Chester too (Blacon to be exact) and can't wait to get back.

Re: Moving back to blighty
 

Hi there! Love these forums ... most excellent!

It's just so tempting isn't it? I mean, we own a house in Auckland ... we are both joint NZ/British Citizens ... and our kids have left the country because they're also joint passport holders...

Couple that with me being 58, the contract job market drying up for me here (I'm in IT security), and the UK IT contract market being so strong...

We spent a total of 13 years in the UK, before returning home to NZ around (also) 13 years now, but have visited in the interim, so aren't looking at the UK through 'rose-tinted spectacles', yeah?

D*mn ... it's just so very tempting ... especially as we planned to retire to Europe anyways...

Sigh!

Re: Moving back to blighty
 

[QUOTE=Celticprince_86;12200491]You and me both! I hope to have a couple of grand (10 or so) saved by the end of 2018/start of 2019. I'm from Chester too (Blacon to be exact) and can't wait to get back.[/Qceltichuntingto Prince, were originally from west derby in Liverpool, hoping to move around huntington chester, good central area for jobs and walking in north wales, good luck with ur plans

Re: Moving back to blighty
 

Hi there, yip I love chester too, where in nz are you ? Good luck to you too thx

Re: Moving back to blighty
 

Gulf Harbour at the end of the Whangaparaoa Peninsula. Not a bad place to live but I just have no sense of belonging. How about yourself ?

Re: Moving back to blighty
 

Hi again, sorry about my delays getting back, we are in orewa, lovely place like gulf harbour too. Just waiting for a buyer for the house then it's all on ! We have travelled a lot of the southern hemisphere now, amongst other reasons, ive seen enough beaches and bush to last me a lifetime. Time for a change, originally from liverpool here

Re: Moving back to blighty
 

I'm from St.Helens originally! I thought that we'd always be at the beach when we moved here but we rarely go. I love rock-pooling but as most of the beaches are sand I find them rather boring.

I'm often in Orewa, used to be involved with Centrestage Theatre a lot but it has become a rather toxic environment lately :(. I pop in to see the theatre managers regularly because they are such lovely people. Good luck with the house selling.

I miss seeing historical sights and the hustle and bustle of the UK.

Re: Moving back to blighty
 

I'm already over the sights and busyness...and I'm in London every couple of weeks. Beaches aren't as nice but we always do/did go regularly to walk the dog. I believe Orewa is getting busier though, but with Millwater I'm not surprised.

Re: Moving back to blighty
 

Hi I believe things have changed since we returned to the UK in 2010, we came back with money from our home, car and savings etc and did not pay any tax here in the UK then (as I said not sure now) we were in Aus, I have recently contacted the DWP and have been informed (I am going to double check lol as I usually do) that I can pay £100 for each year I did not work in the Uk to bring my "stamp" up to date here in the UK (we do have private pensions in Aus as well) in the near future that £100 fee goes up soon. Chester is a lovely area, we have looked around the area many times, we liked Christleton and also Heswall on the Wirral still close to Chester but nearer the "sea" which I do miss. Good luck with the move, we have loved being back and still enjoy exploring our country.

Re: Moving back to blighty
 

National Insurance Contributions(Overseas Section) in Longbenton, Newcastle are the best people to deal with inquiries.

Re: Moving back to blighty
 

Sound ! St helens ,just around the corner eh, how wierd is that. Love those rays and fish that u can
u feed up in gulf harbour. We have been to centre stage a good few times, knowing how small nz is ive probably had a conversation with u in the past :-) as lovely auckland is,i miss the feel of the uk, its in my bones. I was let off the leash couple of yrs ago, and I flew to mankchester, got the train to london, there in a flash, hired a tiny campervan and did all the cathedrals, castles, , all the lovely places in england by myself in the middle of winter with my decent sausages on toast in the morning, all up through bath, bristol, pembrokshire, south through to north wales, hearing them talkin welsh in tescoes :-) loads of walks that arent dog restricted, or no access like in nz. I can still hear the crows in the frost of the morning on the top of centuries old churches. Who needs the sun :-) :-) we go up to the pubs up in gulf harbour now and then, maybe make a time to have a pint ? Best of luck to you too thx

Re: Moving back to blighty
 

Hi ther, ye rodney and orewa getting so many builds now. Everyone sick of all the machinery digging the whole place up, saw a terrist house up for sale today for 915000, you know where can hear all the kick offs through the walls :-) ppl are driving for an hour and a half to get to work in the morning, northern motorway getting really backed up. Luckily I do odd hours, but the work/lifestyle ratio is pretty crap tbh, that coupled with the over priced housing doesn't make for all the 12000 miles anymore, especially if someone is thinking about doing the move here now !

Re: Moving back to blighty
 

Hia mate, I'm not sure wat it was like with ozzies returning, but I was in touch with Dwp recently and nz have a reciprocal agreement with the uk as far as state pension. Even if it's not then by the time I retire on the uk I'd have had 30 yrs contributions. Luckily I've done the same as u and gone into other schemes, plus I'm gonna be making a safety net on top of that. I'm not too sure wether the tax man will want to clip the ticket on ur ozzy pension as the do in reverse here when I brought my uk private pension over here QROPS. Ye christleton is where we are heading. Thx for ur rply