returning to the UK | Ross Naylor

Helping Your Children With UK University Costs as a Returning British Expat

For returning British expats, university costs can vary by tens of thousands depending on timing. This guide explains how UK residence rules, student loans and smart planning can dramatically reduce the real cost of higher education for your children.

Autumn Budget 2025: What British Expats Need to Know

The Autumn Budget 2025 brings major tax and pension changes that affect British expats with UK income, property, or pensions. This guide explains what’s changing, why it matters, and the steps you can take now to stay ahead and protect your wealth.

What should I do with my offshore investments when returning to the UK?

When it comes to preparing your offshore investments for a return to the UK, the most important thing is to ensure you start planning as early as possible. Most tax specialists recommend that you should ideally give yourself at least a full UK tax year between deciding to move home and actually making the move. Aside from the obvious reason of being well prepared, the reason for starting the planning so far in advance is that things rarely run smoothly.

Why Expats Return to the UK (And the Costly Tax Mistakes They Need to Avoid)

If you’ve been living overseas for years, there may come a time when you start thinking about returning home. This guide explains why expats return to the UK, the most common financial and tax traps to watch out for, and what smart planning can achieve.

Quiz: How “Return Home Ready” Are You?

Have you planned thoroughly for your return to the UK? Are you confident that you have your financial ducks in a row? Perhaps it’s time to take a closer look at your arrangements and make some adjustments?

What is an Offshore Bond? An Expat Guide

TL;DR An offshore bond is an investment wrapper often used by expats to allow tax-deferred growth while living outside the UK. Although gains are not taxed annually, withdrawals can trigger income tax depending on your country of residence and timing. Offshore bonds are not automatically tax-free and can be complex, particularly when returning to the UK. Used correctly, they can be effective planning tools; used poorly, they can create unexpected tax liabilities. Thinking about investing as an expat and…

Planning to Return to the UK? How the 2025 IHT Changes Could Affect Your Estate

If you’ve been living overseas for years but are now considering a return to the UK, the recent budget changes to Inheritance Tax (IHT) could significantly affect your financial planning. From April 2025, the UK government is introducing new rules that shift the focus of IHT liability from your domicile status to your residency history.

Coming Home: 10 Financial Steps for Expats Returning to the UK

I have been living outside the UK for 23 years. I rarely get homesick. But last weekend it hit me hard. While I’m not packing my bags just yet, I realise that many expats eventually do. Thinking of returning to the UK? Prepare yourself to face a unique set of financial challenges and opportunities. It is always best to start planning as early as possible. Here are 10 financial action points to get you started.