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Navigating Financial Transitions
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Navigating Financial Transitions
A Guide for Teachers Relocating to the UAE
Relocating to Teach in the UAE? Make It a Financial Success
Moving abroad to teach is an exciting opportunity, but it also brings a host of financial questions.
Our Navigating Financial Transitions guide helps teachers and education professionals moving to the UAE make informed decisions on tax, pensions, savings, and property.
Whether you’re preparing to leave the UK or already settled in the Emirates, this guide explains what to do before, during, and after your move to keep your finances in order.
What You’ll Learn
- Tax residence and UK liabilities
Understand how the Statutory Residence Test (SRT) affects your UK tax position, and how to avoid unexpected obligations after relocating. - Managing your UK property
Learn what to consider if you plan to rent or sell your home, including key tax implications and address changes. - Pensions and savings
Discover how leaving the UK affects your pension contributions and what you can do to maintain long-term retirement planning. - Investing as an expat
Explore how to invest efficiently once you’ve left the UK, taking advantage of global opportunities outside the ISA framework. - Budgeting and cost of living
Compare the realities of earning a tax-free salary with life in the UAE, from housing and healthcare to lifestyle costs.
Who This Guide Is For
This guide is tailored for:
- Teachers and education professionals relocating to the UAE for new opportunities.
- UK expats who want to understand the financial and tax implications of working abroad.
- Individuals planning long-term careers overseas who wish to stay in control of their pensions and investments.
- Anyone moving to the UAE seeking a clear, practical overview of what to organise financially before departure.
If you’re preparing to teach abroad, this guide helps you stay compliant, protect your income, and plan for the future with confidence.
FAQs
If you’re no longer UK tax resident under the Statutory Residence Test, you won’t usually pay UK income tax on overseas earnings, but you must review your ties to the UK carefully.
Decide early whether to rent or sell. Each option has tax consequences, so it’s worth discussing with a financial adviser before you move.
While you can’t contribute to ISAs once you leave, you may still be eligible to make Voluntary National Insurance payments to protect your UK State Pension entitlement.
UK tax-efficient products like ISAs become restricted, but global investment platforms can provide flexible, tax-efficient alternatives for expats.
Many teachers build long-term wealth through a combination of international investment accounts, end-of-service benefits, and continued pension planning with a qualified adviser.
About Hoxton Wealth
Founded in 2018, Hoxton Wealth has become one of the fastest-growing independent advisory groups, with offices in London, Sydney, Austin, Cape Town, New Jersey, Dubai and Larnaca.
We can help guide internationally mobile professionals, including teachers and educators, through cross-border financial transitions.
Our advisers understand the challenges of moving abroad and provide personalised support in investment planning, pension strategy, and international tax awareness.
Download Your Free Guide
Start your new chapter with confidence.
Get your copy of Navigating Financial Transitions: A Guide for Teachers Relocating to the UAE (2025 Edition) and make your move financially secure.
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Contact Hoxton Wealth
Contact us today to discover how Hoxton Wealth can help you achieve your financial goals. Together, we can build a brighter financial future.
