What would our lifestyle be like in U.K.

[Isitsconeorscown]

On this wage-£37 grand a year-Dh
Me-possibly-£18/19 grand a year

We’d be in Cornwall and would have a mortgage of around a grand a month.

We have one primary aged dc

British, but living abroad and wishing to return.

Also, lifestyle on just Dh’s wage (I intend to work, but chronic illness and may not be immediately)

Good luck!
just a question how will you get a mortgage if you have not been resident in the uk for years? Or are you employed by a British company?

@Mariposistaaa Hoping we can! Even if we have to wait a while?

Could you choose somewhere that would be possible without a car?

@Enuffs All family moved there…is it full of wankers?!
Originally from the North, so hoping not

Enuffs · Today 14:19
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Why Cornwall? Yorkshire is beautiful and not full of wankers and much cheaper”

You’re referring to tourists, I hope, not Cornish folk?

@LlynTegid We want a car, haven’t ever lived without a car 🙈

@Enuffs the people you refer to I assume are those who are about as Cornish as the average Manchester United supporter is a Manc.

Whilst much of Yorkshire is beautiful, there are some places with real poverty as in parts of Cornwall.

Yeah, I have just moved back from abroad and can't get one at the moment.

Would it be possible to live with family initially when you move back?

a) renting is difficult - there's fewer properties available & they cost a lot more. I don't even know if you'd pass a credit check.
b) you can save a bit more money & perhaps buy a suitable house once you know what's what in the area
c) it's unlikely you'd get a mortgage without a period of UK employment/electoral roll/bill payments.

I guess you live somewhere where the weather is good?

Access to the outdoors is more limited in the UK because of the weather

And yes, I know, there's no bad weather, only bad clothing, but honestly who wants to go outdoors when it's lashing it down

@Mariposistaaa How long have you been back? How long do they say it will take? Could you rent straightaway?

I am currently staying in a family owned property. I am hoping to stay here until I have at least submitted a tax return and saved a bit. I came back in December.

@LlynTegid have you been to Cornwall? There’s no way you can live there without a car. Public transport is virtually non existent and everything is miles away. In fact I think you’d provably need one each unless one of you can work within walking distance, which again would be fairly unlikely in a rural county.

Could you afford to buy a property in Cornwall. Prices has risen so much. You could check on Rightmove. You won't get much for just £1k a month in mortgage. Also as you're probably well aware wages are often lower in Devon and Cornwall. I think you'd struggle.

@Bigdoglittlecat I know people who live in Cornwall without a car, they live in the bigger towns and don't work rurally. It's doable but admittedly does limit your options a lot

Yes this is correct. Friends of mine moved back to UK from Norway and despite both securing well paid jobs quite quickly, they couldn't get a mortgage for 2 years due to living overseas for several years, so had no recent history of UK postcode, electoral register etc. They rented for 2 years then bought.

Some people are so miserable! Or maybe they are jealous of ops location. Cornwall is beautiful!
Come back op, you will be just fine! You will eat well, live near the sea, can definitely afford a holiday every year and most importantly your family and old friends are here. As an ex expat it was the best thing we ever did. The things that really matter can not be bought/imported or paid for.

PS we have had such a warm winter I can’t believe anyone can complain. Summers are warmer too.

Where in Cornwall would you like to be?

I think it would be tight to have a quality lifestyle on just the one wage. Two you'd be ok. Lots of people manage on less, lots of people on more.

Fairly tight but completely average, most people have a salary around this hence the average salary figures.

As long as he has a stable job you should be ok as long as you are sensible with money

I guess it's more of a problem of finding something affordable to rent/buy in Cornwall.
....and I live in Cornwall but am not Cornish....

If the mortgage is £1k a month, council tax about £240 then I don't think gas, electricity and water combined would only cost £260 a month. My gas, and electric is well over £300 a month and water in SW is expensive. I think the average water bill is £450 a year.

I live in Somerset and £170k deposit is enough to get a house with a small mortgage, not right on the coast but doable. I think it's similar in Cornwall, coastal are £££

Renting is harder too because you won't have a history of paying your bills so it's difficult to do a credit check on you. You won't have been on electoral register. You might get around this by offering LL 6 months rent in advance.