Moving Back to the Uk

Old Dec 17th 2023, 4:26 am
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Default Moving Back to the Uk

Hi Guys
My husband, son and I have lived and loved living in NZ since 2009. The problem is that both my husband and I will retire at the end of 2024. At that time we think we will move back to the Uk for family reasons. We have no family here in NZ and feel that as we get older the need for family is more. We have loved NZ, but love the need for family more.
Has anybody experienced any issues as a retired person returning to the UK

Last edited by JOYCE1960; Dec 17th 2023 at 4:37 am.
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Old Dec 17th 2023, 12:45 pm
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Default Re: Moving Back to the Uk

One thing that will be easier is that you won't need to find a job, which also also gives you a wider choice of areas to move to as you won't be limited by a work location. You will need to find housing; if you'll be renting be aware that landlords generally prefer working tenants. Otherwise, there are a number of actions when moving to a new country, as you'll be aware of having moved to New Zealand, but I can't think of anything specific to being retired.
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Old Dec 17th 2023, 3:52 pm
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Default Re: Moving Back to the Uk

It is worth checking if you have a full NZ pension which will be payable in the UK, and if it is index linked.

Probably also worth checking how many years of NI contributions you have in the UK and if you can top up to make up for the years you have been in NZ.

A pensions expert might be a good person to check with.

If you own your own house you have probably done quite well in the housing boom and can pick and chose where you move to (although family location may well dictate where you need to live).
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Old Dec 17th 2023, 9:26 pm
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Default Re: Moving Back to the Uk

We retired early in NZ and moved to UK in August this year. Yes...rentals are difficult to find, however we offered 6 months rent up front (through a letting agent) and got offered the second place we viewed.
We experienced the usual issues like opening bank accounts etc (opening a Monzo account was easy) then opened up a high street bank account once we had the required proof of residence etc). Pretty settled now.
Good luck with your move!
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Old Dec 17th 2023, 9:33 pm
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Default Re: Moving Back to the Uk

We are also in New Zealand. Have been since 2004. We are both on the NZ superannuation ( state pension)

My understanding is that if one is in receipt of NZ superannuation at the time of a return to the UK - so of a certain age -, one will simply swap to the full UK state pension upon return under the reciprocal agreement.

Dear Mrs .....Thank you for your email dated 9th November 2023.

What happens if you have lived in New Zealand

There is a Reciprocal Agreement on social security between the UK and New Zealand.

The agreement states that when a person was getting New Zealand Superannuation (awarded solely under New Zealand law), and was over UK pension age at the time, they will be treated as if they meet the contribution conditions for the full UK State Pension when they are in, or resident in, the UK.

If you are not getting statutory New Zealand Superannuation, the Agreement allows for each week of confirmed residence in New Zealand to be treated as a week of UK National Insurance. This may increase or give title to the UK State Pension from UK State Pension age when they are in, or resident in, the UK. The agreement is based on your residence in New Zealand and employment is not taken into account so you shouldn’t worry about your New Zealand employment record.

Credits under the agreements cannot be credited to your UK National Insurance account as they only apply at UK State Pension age

The above refers to the UK State Pension and can only apply while you live in the UK.

If you have any further queries, contact us on 44 191 218 7777 between the hours of 8am and 18:00pm Monday - Friday (United Kingdom time).
One can continue NZ super for up to 6 months whilst out of NZ itself.
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Old Dec 18th 2023, 8:48 pm
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Default Re: Moving Back to the Uk

Originally Posted by JOYCE1960
Has anybody experienced any issues as a retired person returning to the UK
We had no issues moving back after we retired. We had lived in the USA for 29 years and the move back 7 years ago has been great. Plenty of good advice in the previous posts.
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