How does the UK Autumn Budget 2025 affect British expats?

The Autumn Budget introduces higher tax on UK income, a new High-Value Property Charge, the abolition of the non-dom regime, tighter CGT rules for non-residents, and reduced ISA allowances. These changes affect most expats who hold UK assets or receive UK income.

Are expats affected by the extended freeze in income tax thresholds?

Yes. As thresholds remain frozen until 2031, more income is pushed into higher tax bands. Expats receiving UK pensions, rental profits, dividends or savings interest may face higher tax bills as a result.

What is the new High-Value Property Charge introduced in the Autumn Budget 2025?

From 2028, UK residential properties valued between £2 million and £2.5 million will face a £2,500 annual charge, and properties above £5 million will face a £7,500 annual charge. This effectively increases the long-term cost of owning high-value UK property while living abroad.

What has changed with the abolition of the non-dom regime?

The non-dom and remittance-basis system has been replaced by a residence-based framework. Key changes include a 4-year Foreign Income and Gains regime for eligible arrivals, a Long-Term UK Resident test for inheritance tax, and broader UK tax exposure for offshore trusts.

Should expats review their tax and financial planning after the Autumn Budget 2025?

Yes. Expats should review tax residency, UK property ownership, wills and trusts, savings and ISA structures, and the potential impact of any return to the UK. Coordinated cross-border planning is strongly recommended.

Pensions, Savings, Investment and Protection advice you can trust for expats across Europe.

Regulated in Europe. Transparent, fee-based advice for people who live, work and retire abroad.

Advice tailored to every stage of your expat journey

Professionals Working Abroad

Grow your career and wealth overseas while avoiding cross-border tax traps.

Retired & soon-to-be retired

Protect your income-generating savings, investments and pensions and help your money continue working hard for you.

Business Owners -building & exiting

Structure investments, protect profits, and plan success.

Families

Plan for education, health, and inheritance across borders.

Soon-To-Be-Expats

Get ahead of your move by aligning pensions, investments, and insurance.

Returning Expats

Smooth the transition”home” with tax and retirement planning.

Why Abbey Wealth.

What We Do: Specialist pension, investment, savings and protection advice for people who live, work and retire abroad

pensions abroad

Transfer, consolidate, and manage pensions across borders.
Avoid double taxation and maximise retirement income in Europe.

Investments Planning

Access compliant structures and tax-efficient savings to suit your location.
Match portfolios to your goals and risk appetite.

Future and legacy

Wealth tax and inheritance planning tailored to expats.
Multi-generational strategies for families abroad.

Our Commitments

Cost And Charges

Abbey Wealth is a genuine fee-based business offering clarity, value and simplicity. We want you to be sure we’re right for you, and so our initial consultation is at no cost and with no obligation. All costs are clearly communicated and our fee structure ensures our impartiality at all times and eliminates conflict of interest. Above all, we deliver value, through our client-focussed experience.

Our Awards

Abbey Wealth provides unparalleled personal wealth management and investment advice to expatriate clients living globally. Recognition from International Investment judges and readers for advisory excellence and client service is a testament to our work ethic and professional values. Our commitment to high-quality service is rewarded with continual positive feedback from our clients.

Our Regulatory Oversight

Abbey Wealth is the only expat adviser, directly and exclusively regulated by the Central Bank of Ireland. This gives clients peace of mind that our systems, processes and quality of advice are under regular scrutiny. And should they encounter problems, clients have an English-speaking regulator, Ombudsman and an investor compensation scheme to help resolve their issues.

How We Help

Regulated, advice providing security, safety, peace of mind
Transparent fees and charges with zero hidden fees
Providing expert financial planning and investment management solutions from blue chip fund houses, aligning your investments to your risk rating
Regulated, qualified and experienced financial planners providing pension and investment advice

We are a forward-thinking and innovative people business, delivering high quality and personalized services, developing relationships spanning generations that help clients achieve more with their money.

Our trusted financial planning advice removes the stress and worry about your future to offer peace of mind and financial well-being.

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Personal Testimonials

Rated 5 out of 5

Good communication and Performance

I transferred my pension portfolio some 2 years ago from SJP and have never looked back. My only regret is having not done it sooner.

Investments have largely outperformed my previous provider by some margin and the communication is superior also. I receive regular contact from my Financial Planner – Matthew Turner and have always found him and his Team efficient and responsive to requests. I have no hesitation in recommending.

George Clark

Testimonials

As a long-term resident of France and with a handful of modest UK pension plans/schemes, I was having trouble obtaining sound advice. One company wasn't interested as I wasn't looking to invest (only draw income); another UK-based firm I suspected might not act in my best interests and/or might not have post-Brexit authorisation for the EU. Mark Smith at Abbey Wealth (based in Spain/Ireland and fully qualified) was recommended by a colleague and stepped into the breach. Two hour-long Teams sessions later (either side of obtaining my scheme details), I am much better informed and have a clear plan of action -- even though in my case that involves no commission for AW. There was a delay of a few weeks over the summer: one person I was dealing with left the company, and I had to persevere a bit to pin down a follow-up session, but the quality and detail of the advice made up for that.

My experience to date over the last 5 years has been exceptional. My current advisor, Christian Holbrook, is extremely professional and approachable. There's no jargon, just easy to follow advice and guidance. I'm delighted with the service and would strongly recommend Abbey.

I first encountered Abbey Wealth (formerly known as Abbey Financial Services) in the early 2000's when I was actively contemplating retirement from my company and prior to purchasing a property in France. I am pleased to say that I was, and continue to be very satisfied with the service which I have received from Abbey, particularly when preparing for retirement and living permanently abroad. Remy Hart has been my financial advisor at Abbey since May 2022 and my wife and I have been particularly impressed with his measured advice in tailoring our financial requirements to our retirement needs and with his efficiency in dealing with our questions regarding his recommendations. Overall, we have no hesitation in recommending Abbey Wealth to anyone seeking investment advice which provides essential financial security and peace of mind in retirement. David & Liz French, Gers, France

I have been with Abbey Wealth for many many years now and have always experienced 5 Star V.I.P. service. I have just completed a transaction with my Pension and the Service Level was just fantastic. I would highly recommend anyone thinking of a Financial Service look no further than Abbey Wealth.

I have entrusted Abbey Wealth over the last 10 years + with my pension pot and investments and have been pleased with advice and direction the monies have been handled . Remy Hart ,the Financial Planner currently my personal adviser has been helpful and sympathetic with my requirements . Ever helpful and knowledgeable !

Achieve your financial goals in 4 easy steps

Assess

We thoroughly assess our clients’ financial situation, goals, and risk tolerance. By understanding their unique circumstances, we create a comprehensive plan tailored to their needs.

Strategise

We develop a customized plan that maximizes growth, minimizes risks, and optimizes returns. Our team leverages their expertise to create an effective strategy aligned with market trends and regulatory frameworks

Action

We take decisive steps to implement the financial plan, executing transactions, establishing accounts, and ensuring compliance. Our network of partners and cutting-edge tools facilitate efficient execution.

Review & Optimize

We regularly review and optimize portfolios to align with changing market conditions. Through ongoing monitoring and periodic reviews, we adjust the plan and identify growth opportunities.

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