Ken

Yes, to get the Disability Support Pension there is a requirement to have lived in Australia for at least 10 years but by my calculations Jan 2009 to Nov 2019 is more than 10 years so you appear to have fulfilled that requirement (the "newly arrived resident's waiting period" is a different thing that applies to most Centrelink payments but the DSP and the Age Pension have this 10 year rule). And yes, the period when you had PR but not citizenship does count. Of course there's a whole load of other requirements and you can't apply until after you've moved back to Australia, making it something of a gamble (especially if you were to lose any UK entitlements by moving to Australia).

To solve the labour shortages that Australia is currently suffering from? Possibly not enough. To significantly worsen the housing shortage that Australia is currently suffering from? More than enough. There's always a lack of joined up thinking in Australia's approach to problems.

Actually it looks as if it is enough to be a citizen. There are "Newly Arrived Resident's Waiting Periods" but there are exemptions from those waiting periods for citizens and for refugees. I've also googled NDIS residency requirements but the only thing it specifically says is that you must live in Australia. Nothing about how long you must have lived in Australia.

That might just be a temporary fault but I won't be surprised if it's permanent. The last time I was on the Vic forum nobody had posted for months. It died a death long before it became unavailable.

Actually over here second-hand cars are very expensive compared to the UK which makes people think "I might as well buy a new one". Earlier this year waiting times for new cars had blown out so much that one year old cars were more expensive than the list prices of new cars because the used cars were available now and you wouldn't see the new ones for 6 months or more, but even in normal times Australian cars depreciate slower that British ones.

From what I remember (it's been a while) the first question after clicking on "create new application" (or whatever it's called) in your account is "who is this visa for?". There's no assumption that any application you make is for the Immi account holder.

If you find someone willing to give you a loan please post the information on here. There's a lot of people who are or have been interested in doing that but the banks don't play ball. UK banks are interested in lending to people that are overseas and Australian banks are not interested in security that is overseas. It doesn't help that in either case the bank would have to comply with two different legal systems while their systems are set up only to comply with the one they are in (and they spend a lot of money and effort to ensure they comply just for that one country). I'd be happy to give some advice on tax implications but I don't see you getting past the loan hurdle unless you have enough equity on your Australian property to secure it on that, and enough Australian income such that the loan isn't reliant on the foreign rental income.

But that's not any different from the UK. A Man City supporter is always going to support whoever is playing Man United (and vice versa). A Chelsea fan is always going to support whoever is playing Arsenal (and vice versa). Inter-club rivalry always trumps regional/city loyalty.

I don't think a foreign individual or bank would be able to register an interest in Australian property without FIRB approval. As such any such loan would be an unsecured loan. The lender still has the right to use the Australian courts to sue for their money back if they're not getting paid - but that doesn't help if the borrower has sold/refinanced the property and spent all the money. Note though that this isn't really any different from loans from Australian family members - it's a very unusual Australian family that demands security on a loan to a family member.

With Liz Truss' famous grasp of geography the markets may need to worry about where in the world (or even which world) she's moving the UK to.

You do of course have the option to deposit your money in more than one place (and even in more than one country/currency) if they'll only give you the maximum rate on a smaller balance and if you are concerned about what's going to happen to exchange rates.

But we can't alert the site to it when we can't get in. When we can get back in is only after they've found and fixed the problem.

Actually the issue isn't whether or not the lease is to a member of your family but whether or not the rental income is at an arms length price. Usually that means paying an independent valuer to assess the rent if it's let to a family member.

Use a service like Wise (there are many transfer companies to choose from but I find them the easiest to use) and you'll receive a lot more dollars in your account than if your sister just transfers from her bank straight to your Australian bank account.

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Normally your partner would be at a disadvantage compared to a candidate who doesn't have a status that leaves a worry if they can stay long term, but (depending on their skill set and the location) employers can't be as picky in the current market.

Might be quicker as there's no telling how long it will take HMRC to cancel the cheque and make the payment. Presumably you've sorted a way for your family member to transfer the money to you without losing a chunk in bank charges?

You could open an account with Wise. They don't take cheques but they do give you a UK sort-code and account number (as well as Australian, Belgian for your Euro and US for USD account details should you need them). Unfortunately you would need to return the cheque to HMRC and ask them to deposit into your "UK" bank account. Definitely would be the cheapest way of converting your cheque into AUD too as even if you find a bank that will still accept a foreign cheque it's going to charge a fortune to do so.

Why would the NHS write to someone in Australia?

You've got it all backwards. They turned you down because it's obvious that you are never going to borrow any money on that card. There's no profit in it for the bank if you aren't going to pay their extortionate interest rate. Yes they make a little bit from the vendors when you make a purchase - but they'll still do that if you use your debit card and they don't need to share that with the airmiles company.

A UK limited company is probably not the best way to do it as you'll have all the usual tax issues for the company (possibly complicated by having a non-resident director) and they'll have to register in Australia to comply with Australian payroll requirements. Most UK companies would pay someone in Australia as a contractor to avoid needing to operate an Australian payroll. Of course if your UK turnover is over the VAT threshold you'll have UK tax implications anyway. A sole trader in Australia is the simplest option (or an Australian company if you want to keep the liability at arms length) and if under the VAT threshold wouldn't need anything to be done in the UK. Note that to get Australian bookkeeping clients you will need to register with the Tax Practitioners Board as a BAS agent. It's illegal to give paid advice related to Australian tax (even on how to enter a GST transaction in an accounting ledger) if unregistered. Check their requirements for registration there's quite a lot of hoops to jump through.

Yes you can get Extras policies without hospital cover - but finding one that will cover all you Dental and optical (with or without hospital cover) is very difficult. Most have caps of only a few hundred dollars. Enough for check ups but not if you need anything done.

Also if you take out hospital cover insurance within one year of moving to Australia you are exempted from lifetime loading. And once you've paid the loading for 10 years you don't have to pay it any more.