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Search: Posts Made By: Reidies
Showing results 1 to 25 of 188
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Forum: Canada
Nov 27th 2025, 5:15 am
Replies: 28
Views: 4,923
Posted By Reidies

Re: uk state pension in canada

[£905 is class 3 and that’s the default on the website . Class 2 is significantly lower but you have to apply to HMRC for that to see if you meet the criteria. If you haven’t done that it would...
Forum: Canada
Nov 26th 2025, 2:16 am
Replies: 28
Views: 4,923
Posted By Reidies

Re: uk state pension in canada

I just seen on a UK State Pension Facebook page it will change 6 April 2026. Also have to have 10 years contributions to be able to top up.

QUOTE=christmasoompa;13331243]It's £230ish a week for...
Forum: Canada
Nov 25th 2025, 10:28 am
Replies: 28
Views: 4,923
Posted By Reidies

Re: uk state pension in canada

No, the state pension age ( SPA) is gradually increasing next year. Based on your reply I’m presuming you were born after 6th May , so your SPA 66 years plus 2 months.
Are you paying a...
Forum: Canada
Nov 25th 2025, 9:30 am
Replies: 28
Views: 4,923
Posted By Reidies

Re: uk state pension in canada

Just a FYI, As your birthday is in May your State Pension Age will be later as it’s increasing for anyone born after April 6 1960. In your case it won’t be too much longer though.
Forum: Moving back or to the UK
Oct 1st 2025, 8:22 am
Replies: 5
Views: 744
Posted By Reidies

Re: ToR1 question

We returned on July 1, this year. My husbands brother hand wrote a note saying we were going to stay with them. He also sent us a copy of a utility bill in their name and it was accepted for the...
Forum: Moving back or to the UK
Jun 3rd 2025, 4:26 am
Replies: 9
Views: 4,443
Posted By Reidies

Re: Transfer of Residence process (back to the UK)

We completed our TOR last month and didn’t put any value for the items. It was approved within 3 days ( and there was a bank holiday in the UK). TBH, we were overthinking it but some friends who...
Forum: Moving back or to the UK
May 29th 2025, 7:45 am
Replies: 2
Views: 898
Posted By Reidies

Re: Which Canadian Bank Account

hi,
We’re moving back next month and our Simpli account will close after 6 months. TBH I just took the hit on my RSSP, but my Canadian pensions are going into our UK account ( Employers wanted...
Forum: Australia
Feb 28th 2025, 12:12 pm
Replies: 6
Views: 3,324
Posted By Reidies

Re: Paying NI contributions - which years?

LOL, I had been contracted out, so paid lower NIC’s many years ago so think that’s why.
Forum: Moving back or to the UK
Jan 27th 2025, 12:00 am
Replies: 21
Views: 10,538
Posted By Reidies

Re: Moving back to UK from Canada

If you have a house to sell make sure it sell if before moving back to the UK, otherwise you’ll be liable for Canadian 25% withholding tax.
Forum: USA
Dec 18th 2024, 12:48 pm
Replies: 1,097
Views: 412,778
Posted By Reidies

Re: Class 2 NI. What about us poor expats paying voluntary contributions?

If you have not already done it you need to speak to the Future Pensions section. As not all years will increase your pension. For example I was advised any missing years before 2016 would not count....
Forum: USA
Nov 8th 2024, 8:05 am
Replies: 4
Views: 1,412
Posted By Reidies

Re: UK State Pension and Voluntary Contributions

I agree - one of my sisters has just Topped up and she started her UK State pension 4 years ago.
Forum: Canada
Oct 24th 2024, 4:37 am
Replies: 28
Views: 4,923
Posted By Reidies

Re: uk state pension in canada

I can log on and HMRC sends the authorization code to my Canadian cell number.
Forum: Canada
Sep 22nd 2024, 2:15 pm
Replies: 16
Views: 3,622
Posted By Reidies

Re: UK Bank Account For Non-UK Residents

They live in Canada. I just checked the website (without using a VPN) and Canada is still in the drop down box.
You can’t open a joint account though....
Forum: Canada
Sep 12th 2024, 1:57 pm
Replies: 16
Views: 3,622
Posted By Reidies

Re: UK Bank Account For Non-UK Residents

You can open a HSBC UK account online. If you go to their website there’s a drop down box.
My friends opened one just a few months ago. Once you have a UK bank account you can open an NS&I account...
Forum: USA
Aug 7th 2024, 5:01 am
Replies: 1,097
Views: 412,778
Posted By Reidies

Re: Class 2 NI. What about us poor expats paying voluntary contributions?

That’s good to know. I paid a lump sum last November - by December 4 years had been credited to my NI record, however 1 year hasn’t. I have called them twice since, weirdly they can see the...
Forum: Canada
Jun 26th 2024, 7:34 am
Replies: 5
Views: 1,331
Posted By Reidies

Re: Accountant for UK and Canada needed please

Hi, it’s definitely worth topping up your UK pension, especially if you cam pay class 2 rates. Just note if you’re living in Canada when you start collect it it will be frozen at that amount and...
Forum: Australia
Mar 16th 2024, 12:12 am
Replies: 6
Views: 3,324
Posted By Reidies

Re: Paying NI contributions - which years?

You need to contact the Future Pension Centre. They will advise you how many years you need and which years to pay. In my case it wasn’t worth paying any years prior to 2016 and I require 40 years....
Forum: USA
Mar 10th 2024, 8:28 am
Replies: 1,097
Views: 412,778
Posted By Reidies

Re: Class 2 NI. What about us poor expats paying voluntary contributions?

Yes, I ended up with 40 years to get the full pension. I had been contracted out many years ago, not that knew it at the time 😁.
Forum: Moving back or to the UK
Feb 27th 2024, 3:38 pm
Replies: 17
Views: 5,792
Posted By Reidies

Re: UK / Canada tax and financial advisor

Non residents can open an NS&I account, but you have to have a UK bank account. It’s relatively easy to open over the telephone, some products are not available to non residents - ISA’s for...
Forum: The Maple Leaf
Jan 18th 2024, 2:31 pm
Replies: 2
Views: 835
Posted By Reidies

Re: Calling card for long distance to UK

We use Smartreach when calling the UK, it’s been fine when speaking to HMRC.
https://www.smartreach.ca/ontario/index.php
Forum: The Maple Leaf
Dec 16th 2023, 6:31 am
Replies: 34
Views: 9,957
Posted By Reidies

Re: Getting NHS pension in Canada

I didn’t transfer any of my UK pensions to Canada, so can’t help you regarding that. I have a small local authority pension and both this and my NHS pension get paid monthly. Both increase...
Forum: USA
Oct 25th 2023, 3:58 am
Replies: 1,097
Views: 412,778
Posted By Reidies

Re: Class 2 NI. What about us poor expats paying voluntary contributions?

Thanks again for your help.
I spoke to the Future Pensions Centre last week and the very helpful person advised which years I could contribute - all post tax year 16/17. They also advised me to...
Forum: USA
Oct 15th 2023, 1:10 am
Replies: 1,097
Views: 412,778
Posted By Reidies

Re: Class 2 NI. What about us poor expats paying voluntary contributions?

Tdrinker and Glasgow Girl, thanks for the update. I checked online and note that my forecasted state pension has increased from the amount in the letter I received in December 2022 👍🏻. Using...
Forum: USA
Oct 14th 2023, 4:41 am
Replies: 1,097
Views: 412,778
Posted By Reidies

Re: Class 2 NI. What about us poor expats paying voluntary contributions?

Thank you Glasgow Girl, yes I was contracted out ( not that I knew it at the time!), your reply is extremely helpful to helping me understand.
tdrinker, no it doesn’t say how many years I need to...
Forum: USA
Oct 14th 2023, 2:12 am
Replies: 1,097
Views: 412,778
Posted By Reidies

Re: Class 2 NI. What about us poor expats paying voluntary contributions?

We applied in February 2023 and received letters yesterday. My husband can pay class 2, but because I stopped working ( May 2022) I have to pay class 3. I have already have 35 qualifying years and...
Showing results 1 to 25 of 188
 
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