Nanna
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We did discover a lovely area called KINGSCLIFFE Casarina. No high rise, great river for kayaking and amazing beaches. It also had two good shopping malls nearby BUT the house prices were very high.
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Most of them are just below the Gold Coast.
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I would love to hear suggestions of the areas to retire to which give the opportunity to be right by the sea, lots of greenery and with places to walk, cycle, with cafe culture, clubs, gym and up to an hour from an airport and with a community spirit. There are so many beautiful places to choose from and we would need to be NSW.
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Sunshine Coast. Very nice but slightly more humid than the Gold Coast. We intend heading to the Gold Coast or below. Any suggestions welcome. We love living on or very very near to the coastline. We walk, gym, cycle, kayak, love cafe culture, love nature and WARMTH. We live here in a beautiful quaint coastline village but our kids are there and we do not relish the idea of English Winters any more!!
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We are just wanting to find out what we would or wouldn't be entitled to to seriously consider this mammoth decision. It would be awful if we regretted the move for financial reasons. We have just heard of a friends doctor in Perth who recently died from cancer as even he couldnt pay for the very expensive but necessary medication.
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We've just arrived at that pension situation. On private pensions you can release 25% tax free. Over and above that % is taxed according to your annual income. First £12500 on annual income is tax free. Anything over that is 20% up to about £38k. Above that it's taxed at 40%. State pension now is £657 per month for a single person if you've recently retired. This sum IS taken into account for your annual taxable income. So if you received say £8k state pension and £6k personal pension per annum then £1500 of that is taxed. Any interest up to £1k earned on savings is tax free. The rest is added to your annual income for taxation purposes so is eitherctaxed at 20 or 40% depending on ALL income. Hope that helps.
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We've only contacted two agents. One in Australia and one in the UK and I do understand that Visa Agents deal with visas primarily but hoped experience with clients would have increased their knowledge over the years. Maybe these blogs will help them. On the financial front I suppose the devil in me would argue that we could always downsize or release equity in the home to assist finances, if it was necessary. It's very interesting to hear other's perspective tho and I thank you all for engaging with me.
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That's a slight worry - but then the increases aren't normally huge although every little helps doesn't it. I think a bigger concern is that even when the permanent residency is granted any medication needed has to be paid for whereas in the UK it is forever free and no one has a crystal ball to know what's in front of us.
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No. I was just saying that some Visa Agents don't seem to know about temporary residents liabilities (e.g. additional stamp duties) nor Medicare issues - hence my continuing research. Too big a decision to make the move without all knowledge.
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is anyone able to confirm or advise on the annual cost of living for a retired couple in Australia. we have been advised that a sum of $50,000 is more than sufficient for the annual cost including the running of a car, house ,swimming pool , food , house and car insurances and general day-to-day living etc
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Thank you for your response which has strengthened our views on applying for the 864 over the 804. I suppose given the forthcoming election these visas may change anyway and so we would have to review then. The visa companies do not seem to be armed with full information and just quote "we are only visa agents" but luckily being very cautious we had learnt quite a lot of what you have been saying. You have just enforced our thoughts. Thank you. We understand that even with an 864 visa you would be a temporary resident for at least 4 years now!!
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We are contemplating entering Australia later this year to be with our children and grandchildren and would like some advice on which visa to apply for . We pass the balance of family test and age tests . Is our application means-tested? We would have reciprocal healthcare but would we have to have private medical? Any advice would be welcome.