Free and Impartial Money Advice. Created for Expats, by Expats.

Debt & Borrowing

Dealing with debt isn't always easy or pleasant, but the earlier you get started the better off you'll be. It's important to identify which debts take priority and then setting aside a budget to address it.

Saving & Investing

Saving money will provide security later in life or it will help you reach your goals, such as buying a property or retiring early. It doesn't matter how much you put away, what matters is discipline and making it a habit - better yet, make it automatic, straight after payday!

Pensions & Retirement

The best advice for starting a pension is: starting. The earlier you start, the better off you’ll be by the time you come to retire. Starting a pension plan is even more important for an expat as most offshore companies won’t provide this for you. You may also benefit from moving your existing pension out of the UK, which we’ll cover in this section.

Property & Mortgages

Whether you’re a homeowner, landlord or property developer, you are sure to need professional advice at various points along the way. At the very least you will need a solicitor or another licensed conveyancer to oversee your purchase and/or sale. A solicitor can also advise you on the legal aspects of buying, selling or letting your property. And assuming you also want to obtain the best possible deal on your mortgage, it is very useful to engage a whole-of-market mortgage broker or suitably qualified financial adviser.

Insurance

Insurance is the foundation of any good financial planning, so it's important to get this base covered before you even think about anything else. There are many different types of insurance and some can get a little complicated, so here we'll try and explain all of the essentials so that you don't leave yourself exposed.

Banking & Money Transfers

Opening a bank account offshore isn’t always as straightforward as it sounds. Here we’ll help you decide what type of account is right for you and also how to save money when converting currencies.

Tax

Tax is a complex area, and becomes more so if you run a business or have several sources of income. Numerous factors will affect the amount of tax you should pay each year, including your job, savings and personal circumstances. But for many of us, fear of paying too little tax (and the possibly consequences) means we often end up paying too much.

Family Planning

Family planning encompasses everything from marriage, divorce, births and death. Being prepared for these significant and high impact events in life is essential to ensure your finances don't suffer.

Getting Advice

We all need advice at some stage in life and when that time comes you'll want to make sure you're speaking to a professional who is an expert in their field

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