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jimmyinoz

moving back to Scotland after 15 yrs with the Aussie wife

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So ...went home for a wee holiday 2018 and i had the usual spell of "missing my mountains and glens "  but to my surprise my Australian partner  said shed never felt more at home anywhere , anyway ive been travelling since i was about 14  and as i approach a ripe old age of 60 i think its time to "Gan Hame". Now my question is  [and i guess youve heard of this visa stuff a million times ]  my darling wife  has to apply for a spouse visa [as i did to come here ].We satisfy most of the requirements the only one causing me confusinion is the financial requirement.  I have $140000 in super  i have reached the age at which i can withdraw it [by sept on my 60th birthday  this will be tax free] Can i use the period that its in my super account as part of the 6 month cash savings period   we wont be applying until nov at which point it will have been in my bank account for 3 months . My idea was to provide my yearly statement[in july ] as proof of funds combined with the 3 months in my savings account ,i can draw it out now but id rather wait until the tax free option becomes available for obvious reasons . we have lived as a couple for 7 yrs and we are getting married in march [finally lol ] we have no dependents [they've all grown up and left ] i have a good job here and my boss says he will give me casual work after i retire in Sept until we leave in January next. 

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Sorry Jimmy I can't help with your practical questions but other members including @Marisawright will hopefully be along to advise on some of the financial implications of relocating back to the UK. @VERYSTORMY and @LKC also moved back to Scotland in recent years and have both settled very happily. Good luck with the adventure! As you know, you are returning to a beautiful part of the UK . T x

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Yep, like tea4too says, no idea about the financial side of things, but we moved to Scotland from Aus about 2.5 years ago, having never lived here before, and it is the absolute best thing I have ever done in my life! 

We lived in Sydney for about 9 years, but the pull of home started to become too much to bear. We came over to the UK for a holiday in 2016, and visited Scotland as part of that holiday. I absolutely fell in love with the place, and pretty much cried my way down the A1(M) etc on our way back to my ex's parents house in Kent, where we were staying for the last few days before we flew back to Aus. We moved over in September 2017 (me, my ex, our two primary school aged children, and four cats), and moved to a gorgeous village to the west of Kinross. Husband and I have since separated, but the kids and I have found ourselves immersed in the most amazing community, into which we have been welcomed with open arms! I feel more at home here than I have ever felt anywhere in my life. Like I was always meant to be here! I have since retrained for a new career, have started my own business, met a lovely man, and the kids are happy and settled in their new life, with plenty of friends and both doing well at school. The people are friendly, the place is absolutely gorgeous (honestly I don't think I'll ever get tired of walking in the hills where we live), and I don't have even a single regret about moving here 😊

Have you any idea where you'd like to live?

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We were told that we couldn't use our super even though it was accessible.  We didn't pursue that further as we had savings in the bank because we'd sold our house some time previously.   I'd say it's worth investigating that a bit further though.

Do you have a house to sell?   If so, that can be used to satisfy the financial requirement:  You must have already found a buyer, but you don't need to have the money in your hands yet - you just need a solicitor's letter proving that it's been sold and showing the amount you're going to receive. 

Good idea to cash the super before you move.   Once it's in the bank, it's just savings and safe from the taxman in either country (if you waited till after you leave Australia, the British taxman would take a third of it!).  

The only downside of leaving now is that neither of you will be able to claim the Australian govt pension, ever (even your partner - being an Australian makes no difference).  As you don't have a large amount in superannuation, this may be a concern - what will you live on in your old age?

You should contact the International Pension Centre to get a British pension forecast and arrange to backpay your missed NI contributions, so you can get as much British pension as possible. That's obviously not an option for your partner, so that is something to consider. 

https://www.gov.uk/international-pension-centre


Scot by birth, emigrated 1985 | Aussie husband applied UK spouse visa Jan 2015, granted March 2015, moved to UK May 2015 | Returned to Oz June 2016

"The stranger who comes home does not make himself at home but makes home itself strange." -- Rainer Maria Rilke

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3 hours ago, Marisawright said:

We were told that we couldn't use our super even though it was accessible.  We didn't pursue that further as we had savings in the bank because we'd sold our house some time previously.   I'd say it's worth investigating that a bit further though.

Do you have a house to sell?   If so, that can be used to satisfy the financial requirement:  You must have already found a buyer, but you don't need to have the money in your hands yet - you just need a solicitor's letter proving that it's been sold and showing the amount you're going to receive. 

Good idea to cash the super before you move.   Once it's in the bank, it's just savings and safe from the taxman in either country (if you waited till after you leave Australia, the British taxman would take a third of it!).  

The only downside of leaving now is that neither of you will be able to claim the Australian govt pension, ever (even your partner - being an Australian makes no difference).  As you don't have a large amount in superannuation, this may be a concern - what will you live on in your old age?

You should contact the International Pension Centre to get a British pension forecast and arrange to backpay your missed NI contributions, so you can get as much British pension as possible. That's obviously not an option for your partner, so that is something to consider. 

https://www.gov.uk/international-pension-centre

 Thanks Marrisa ill let you guys know how we get on with that .

I dont intend to retire per say  but carry on working when i get home until we find a business to invest in or start after which well buy a house in the west of Scotland where im from and most of my large family still live  My wife is a good deal younger than me with excellent qualifications so i dont see her having any difficulty supporting herself in the future , ive looked at my UK pension and ill back pay my NI to bring that up 

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6 hours ago, LKC said:

Yep, like tea4too says, no idea about the financial side of things, but we moved to Scotland from Aus about 2.5 years ago, having never lived here before, and it is the absolute best thing I have ever done in my life! 

We lived in Sydney for about 9 years, but the pull of home started to become too much to bear. We came over to the UK for a holiday in 2016, and visited Scotland as part of that holiday. I absolutely fell in love with the place, and pretty much cried my way down the A1(M) etc on our way back to my ex's parents house in Kent, where we were staying for the last few days before we flew back to Aus. We moved over in September 2017 (me, my ex, our two primary school aged children, and four cats), and moved to a gorgeous village to the west of Kinross. Husband and I have since separated, but the kids and I have found ourselves immersed in the most amazing community, into which we have been welcomed with open arms! I feel more at home here than I have ever felt anywhere in my life. Like I was always meant to be here! I have since retrained for a new career, have started my own business, met a lovely man, and the kids are happy and settled in their new life, with plenty of friends and both doing well at school. The people are friendly, the place is absolutely gorgeous (honestly I don't think I'll ever get tired of walking in the hills where we live), and I don't have even a single regret about moving here 😊

Have you any idea where you'd like to live?

yeah my missus was of the same mind ,shes of Italian /Dutch descent but born in Tamworth NSW never been to Caledonia but felt like its was home .We will probably live in Ayrshire  where im from 

 

Edited by jimmyinoz
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3 minutes ago, jimmyinoz said:

yeah my missus was of the same mind ,shes of Italian /Dutch descent but born in Tamworth NSW never been to Caledonia but felt like its was home .We will probably live in Ayrshire  where im from 

 

Ayrshire is very nice especially on the coast.  We used to go on school trips to Girvan and a couple of times to Culzean Castle. 

Good luck with your move.  😃

 

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