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Search: Posts Made By: cat5
Showing results 1 to 25 of 139
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Forum: Australia
Jul 3rd 2011, 8:07 pm
Replies: 14
Views: 2,284
Posted By cat5

Re: Exchange rate not good - best place for pounds

I have found an interesting article comparing the best rates - 4% with Kent Reliance 2 year fixed though....or with Santander but you need GBP25k to start!
...
Forum: Australia
Jul 2nd 2011, 8:32 pm
Replies: 14
Views: 2,284
Posted By cat5

Re: Exchange rate not good - best place for pounds

I must admit the fixed term deposits are looking like the best option...

Thanks for the pointer
Forum: Australia
Jul 2nd 2011, 5:46 pm
Replies: 14
Views: 2,284
Posted By cat5

Re: Exchange rate not good - best place for pounds

Yeah, that's true......but i am not looking to avoid tax, but rather find ways of making the most use of our Pounds in the UK while the rate is so low.

It looks like it's going to be a long time...
Forum: Australia
Jul 2nd 2011, 12:24 pm
Replies: 14
Views: 2,284
Posted By cat5

Exchange rate not good - best place for pounds

I'm sure their are many people who are thinking where is the best place to put their proceeds of house sales etc, but do not want to transfer at the lowest rate for 26 years!

The best interest...
Forum: Australia
Apr 22nd 2011, 12:39 am
Replies: 11
Views: 1,777
Posted By cat5

Re: Super UK - Aus Transfer....something to watch out for!

Yeah, i did check that, the transfer was marked as a "Tax Free" transfer.

Cheers for that!
Forum: Australia
Apr 22nd 2011, 12:35 am
Replies: 11
Views: 1,777
Posted By cat5

Re: Super UK - Aus Transfer....something to watch out for!

"All contributions made after 1 July 1999 fall into this category"

Yes that does seem to be the answer to my question, most of my after tax UK contributions are not recognized as when i...
Forum: Australia
Apr 21st 2011, 8:07 pm
Replies: 11
Views: 1,777
Posted By cat5

Re: Super UK - Aus Transfer....something to watch out for!

Ok, what i am really trying to say is that my own UK contributions should have been added to the Unrestricted non-preserved benefits and not lumped together and put into the Preserved benefits.
...
Forum: Australia
Apr 21st 2011, 4:03 pm
Replies: 11
Views: 1,777
Posted By cat5

Re: Super UK - Aus Transfer....something to watch out for!

Thanks for explaining, but this could be the difference, i was making a net payment of £31.20 per month, getting tax relief of £8.80 so £40 was being added to my UK pension.

What is annoying is...
Forum: Australia
Apr 21st 2011, 11:21 am
Replies: 11
Views: 1,777
Posted By cat5

Re: Super UK - Aus Transfer....something to watch out for!

Thanks for your reply, but i am not looking into accessing the Super now, but when the time comes to retire, for example starting a TTR at the age of 55.

I do understand that tax would be payable...
Forum: Australia
Apr 21st 2011, 9:00 am
Replies: 11
Views: 1,777
Posted By cat5

Exclamation Super UK - Aus Transfer....something to watch out for!

It might be just me, and my particular transfer, but i have notice that my UK pension has been transferred over in one lump to my Super, under the description of "Preserved" (restricted), rather...
Forum: Australia
Apr 18th 2011, 8:01 pm
Replies: 7
Views: 1,171
Posted By cat5

Re: Super: Questions regarding co-contribution and spouse contributions

Thanks for the useful info, i did not realize this!

Cheers :thumbsup:
Forum: Australia
Apr 17th 2011, 9:44 pm
Replies: 7
Views: 1,171
Posted By cat5

Re: Super: Questions regarding co-contribution and spouse contributions

There is no problem with you paying a co-contribution of $3000 into her Super, and you will get the 540$.

But as for the 10% eligibility test for your wife (wife not working) if she pays the...
Forum: Australia
Apr 17th 2011, 9:28 pm
Replies: 7
Views: 1,171
Posted By cat5

Re: Super: Questions regarding co-contribution and spouse contributions

I did read somewhere, that in order to access her super at 60, she will have to satisfy a condition of release, such as retiring from work, and if she is not working this will not be met.

She may...
Forum: Australia
Apr 16th 2011, 9:12 pm
Replies: 19
Views: 6,303
Posted By cat5

Re: Virgin Super ....beware!

Thanks for quoting that reply..... but for me, i really have run out of patience with them, i have made so many phone calls and email's to them, and i just get the same response...that they are down...
Forum: Australia
Apr 16th 2011, 9:05 am
Replies: 19
Views: 6,303
Posted By cat5

Re: Virgin Super ....beware!

I was sucked in by the reputation of Virgin and the low fees, and i could transfer my UK pension because at the time Virgin was one of the few which was QROPS approved.... but wish i didn't.

I am...
Forum: Australia
Apr 15th 2011, 9:56 am
Replies: 19
Views: 6,303
Posted By cat5

Thumbs down Virgin Super ....beware!

Having a really bad experience with them, have not been able to access my on line account since about 10 months now due to data corruption to there system!

I have made a complaint and have to wait...
Forum: Australia
Sep 28th 2009, 8:06 pm
Replies: 31
Views: 2,870
Posted By cat5

Re: Got citizenship ..at last..should we get passports yet?

Don't forget that when you get your citizenship, your PR visa in your UK passport is automatically cancelled, so it's a good idea to get the aussie one for hassle free travel.....;)
Forum: Immigration, Visas & Citizenship (Australia)
Aug 23rd 2007, 7:29 pm
Replies: 7
Views: 914
Posted By cat5

Re: STNI Visa - Australian Resident?

Hi Nicky,

Now that you have been granted your STNI visa, you will be able to apply straight away as your visa is a Permanent Resident visa, so effectively you are an Australian resident.

You...
Forum: Australia
Aug 14th 2007, 10:28 pm
Replies: 13
Views: 1,063
Posted By cat5

Re: Re-mortgaging UK house from Aus

You are allowed to keep your UK property for up to 6 years without paying any CGT, as it's your "Principle place of residence" (PPR) providing you do not buy a property out here in Aus, the problem...
Forum: Australia
Aug 14th 2007, 9:36 pm
Replies: 13
Views: 1,063
Posted By cat5

Re: Re-mortgaging UK house from Aus

Thank's too Poppy....

45% on the capital would have knocked me over too!

I am going to do a bit more research, and will bear Lee in mind

Cheers!
Forum: Australia
Aug 14th 2007, 8:59 pm
Replies: 13
Views: 1,063
Posted By cat5

Re: Re-mortgaging UK house from Aus

Cheer's for your info,

Just had a email from the Woolwich (now part of Barclays), last night they said they wouldn't lend, just had an email from them saying they had made a mistake!....she is...
Forum: Australia
Aug 14th 2007, 9:14 am
Replies: 13
Views: 1,063
Posted By cat5

Re-mortgaging UK house from Aus

Has any one done this?....

We are finding it quite difficult trying to find a UK bank who wants to allow us to re mortgage.....because we are not resident in the UK.

The mortgage we want is a...
Forum: Australia
Apr 5th 2007, 8:50 am
Replies: 0
Views: 382
Posted By cat5

Buying/Selling in Vic?.......some good info!

Hi

We are in the process of buying at the mo, came accross this really great download guide, on tips of buying......hope it helps someone....certainly helped us!

www.consumer.vic.gov.au
...
Forum: Australia
Mar 31st 2007, 2:06 pm
Replies: 69
Views: 5,265
Posted By cat5

Re: Renting Your House In Uk whist In Aus

We did similar, in the sense that we maxed our mortgage, which is an offset type, with First Direct, and are only paying the interest, with the view of the balance as help with the move over, which...
Forum: Australia
Mar 31st 2007, 8:57 am
Replies: 69
Views: 5,265
Posted By cat5

Re: Renting Your House In Uk whist In Aus

We are letting our UK house out, and have excellent tenants (church), who would like to continue renting for the next 4 years, but we would now like to buy out here rather than continue renting- a...
Showing results 1 to 25 of 139
 
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