If you own a home in the UK and live abroad, UK inheritance tax can still apply to it. Since 6 April 2025 the rules depend on how long you have lived in the UK, not on your domicile. This guide explains what is taxed, how the long-term resident rule and its tail work, and…
Many UK expats ask what happens to their ISA when they move abroad. The short answer is that you can usually keep an ISA you already hold, but you cannot normally keep paying into it, and the tax-free status may not carry over to your new country. This guide sets out the rules and what…
If you stop paying into a regular savings plan, you may get back far less than you paid in. The reason is early exit charges, and they are built into how these plans work. This guide explains why they exist, how to read the figures and what your options are. This guide is general information,…
A regular savings plan can look like a simple way to save from abroad. But the charges are often heavy in the early years, and leaving early can cost you a large share of what you have paid in. These five questions show what to check before you sign. This guide is general information, not…
If you hold a UK mortgage while living abroad, your family could be left with the debt if you died. Mortgage protection pays it off. This guide explains how it works for expats, which type to choose and what insurers ask. This guide is general information, not personal advice. Life cover is a regulated product,…
If your employer offers a group health plan abroad, it can be cheaper and more generous than anything you could buy alone. But it usually ends when the job does. This guide compares group and individual expat health cover and shows what to check before you rely on either. This guide is general information, not…
A pre-existing condition is a health problem you had, or had symptoms of, before your policy began. Most expat health insurers exclude, limit or price these conditions. How you apply decides which one happens. This guide explains the two main methods, the risks and how to choose. This guide is general information, not personal advice….
Many expats assume the NHS is a free safety net they can return to at any time. It is not automatic. Free hospital treatment in England depends on being ordinarily resident, and being British does not decide that. This guide explains the rule, what is free to everyone and how to plan your health cover….
If you contract abroad, there is no employer sick pay and often no state benefit to fall back on. Income protection pays a monthly amount if illness or injury stops you working. This guide covers how insurers treat contractor income, what definitions to look for and how to choose the waiting period. This guide is…
Critical illness cover pays a tax-free lump sum if you are diagnosed with a condition listed in the policy. Whether it pays out when you live abroad depends on where you are diagnosed, where you are resident and what your policy wording says. This guide shows what to check before you rely on it. This…