Moving to the UK from the US can be an exciting and rewarding experience for professional families seeking a new adventure. With its rich history, diverse culture, and world-class educational institution, the UK offers numerous opportunities for career growth and personal development. However, relocating to a new country can also be challenging, with many factors to consider, such as choosing the best place to live, understanding the cost of living, and navigating the immigration process.

One of the most crucial aspects of moving to the UK is selecting the right location for your family. It boasts several attractive destinations, each catering to different lifestyles and career aspirations. For example, London, the financial and cultural capital, offers a vibrant, cosmopolitan environment, whilst cities like Manchester and Birmingham provide thriving business scenes and more affordable housing options. In contrast, smaller towns and rural locations such as the Cotswolds or Devon offer a more relaxed pace of life, with picturesque landscapes and charming local communities.

Another essential factor when moving to the UK from the US is understanding and preparing for the differences in daily life. This includes familiarising yourself with the British healthcare and education systems, adapting to the local customs and etiquette, and learning about the nuances of the British English language. By researching and planning for these aspects, you can help to ensure a smoother transition and integration into your new surroundings, whilst fully embracing the enriching experience of moving to the UK.

Preparing for the Big Move

Visas and Eligibility

Before moving to the UK from the US, it is crucial to obtain the correct visa. There are a range of work, student and family visas available for those that are eligible and more information can be found here.

The application process for each visa varies, but generally, applicants need to have a valid passport, proof of financial resources, and a job or study offer from a licensed sponsor. Some visas might eventually lead to indefinite leave to remain, but this will depend on the specific type of visa and individual circumstances. For the best possible outcomes, seeking legal advice is recommended.

Tax and Financial Considerations

Upon moving to the other side of the Atlantic, it will be necessary to navigate the British tax system, and there may be implications for US taxes as well. UK residents are subject to income tax, national insurance contributions, and council tax, among others. To avoid double taxation, the UK and the US have a tax treaty in place. However, it is advisable to consult a tax professional to understand the implications for both countries and ensure compliance.

When relocating, it is worth exploring banking options to determine the best institution for setting up a UK account. Transferring funds between countries can carry fees and have exchange rate implications, so it is essential to research the most cost-efficient methods of moving money.

Insurance

A key factor to consider when moving to the UK is the National Health Service (NHS), which provides most healthcare services free of charge to those living and working in the UK. However, most visa applicants will need to pay the immigration health surcharge as part of their application. It is essential to review the visa requirements to determine if the health surcharge applies.

In addition to health insurance, various other insurance policies might be relevant, such as home, car, and life insurance. It is advisable to thoroughly research available insurance options and providers in the UK to determine the most suitable coverage for each policy. This research will help protect personal assets and ensure peace of mind when navigating different areas of UK life.

Finding A Place to Live

Choosing Your Region

When moving to the UK from the US, it's essential to research and carefully choose the region you'll be living in. London is a hub for finance, fashion, and culture, while Scotland offers stunning landscapes and a more relaxed lifestyle. Wales and Northern Ireland are known for their beautiful countryside and lower living costs.

Housing and Rental Market

The UK's property market is diverse, with various options available to rent or buy. London tends to have the highest rent and property prices, while other areas, such as Scotland and Northern Ireland, typically have more affordable homes. When searching for a place to live, Rightmove and Zoopla are popular national websites where you can find property listings. On our website, New Base New Life, you can search for information on and we also offer bespoke location reports to help you find the best place to live, and offer referrals to property finders to help you find your ideal home.

Utilities and Council Tax

In the UK, utilities such as gas, electricity, and water are billed separately from rent, and costs vary depending on the size of the property and consumption.

Council tax is another important consideration and can be paid monthly or annually. It is charged by local authorities to cover services like rubbish collection, education, and social services. The amount varies depending on the region and value of the property, with council tax bands ranging from A (the lowest) to H (the highest).

Life in the UK

Cost of Living

While both countries speak a common language, life in the UK can be quite different from that in the US, especially in terms of the cost of living. While the cost of living varies between regions, it is generally higher in popular cities like London, Edinburgh and Manchester. A few key differences in cost between the two countries include:

Housing: Rental prices and property values are generally higher in the UK, especially in cities. Council tax, an annual fee paid to local governments, is also an additional expense to consider. Transportation: Public transport is more prevalent in the UK, making car ownership less necessary, particularly if you live in a city. Fuel prices are also higher compared to the US. Currency: The UK uses the pound sterling (GBP) as currency, which has a higher value than the US dollar.

Culture Differences

When moving to the UK you will need to adjust to the local culture. Some points to consider include:

Population: The UK is a melting pot of different cultures, with large English, Scottish, Welsh, and Northern Irish communities, as well as sizable immigrant populations from around the world. Walking: British people tend to walk more than their American counterparts, both for leisure and transportation. Cities and towns are often very walkable, with good infrastructure for pedestrians. Beer: The UK has a strong beer culture, with traditional pubs serving craft beers and ciders that are generally lower in alcohol content than American beers.

Adapting to British culture can be both exciting and challenging. To avoid misunderstandings, it's important to understand the subtle differences in language, humour, and customs. Workplaces in the UK tend to follow hierarchy, but open communication and a sense of humour are appreciated. In social settings, British people are known for their politeness and punctuality. Adapting to these cultural nuances will help you settle in more comfortably and build strong relationships with colleagues and neighbours.

Transportation and Travel

Getting around in the UK is relatively easy thanks to the country's extensive public transport options:

Trains: The UK has an extensive railway system, including high-speed trains connecting major cities. London, in particular, boasts a comprehensive underground system known as the Tube and a network of overground train lines. Buses: Buses are a common and affordable way to travel across cities and towns, as well as between them. Cycling: The UK has increasingly become a cycling-friendly nation, especially post-pandemic, with designated bike lanes and cycle hire schemes in many urban areas.

When planning to travel internationally, the UK's proximity to other European countries makes it simple to explore neighbouring nations. With major airports like Heathrow and Gatwick, along with several smaller airports, flying to destinations across Europe and elsewhere in the globe is easily accessible.

Family Considerations

When moving to the UK from the United States, there are several factors to consider for a professional family, including schooling for children, healthcare for the family, and retirement considerations.

Schooling for Children

In the UK, schooling is compulsory for children between the ages of 5 and 16, with further education, either in schooling or training compulsory until 18 in England. The education system is divided into:

- Primary education: ages 4/5 to 10/11
- Secondary education: ages 11/12 to 15/16
- Further education: ages 16-18

There are state-funded and private schools available, which offer different curricula, including the British National Curriculum and the International Baccalaureate. To support your child's educational needs, consider researching schools within your chosen area, with a focus on factors such as:

- Ofsted ratings
- Exam results
- Extracurricular activities
- School size and location

For international students, the Child Student visa may be required if your child will be attending a UK school.

Retirement Considerations

If you plan to retire in the UK, it is crucial to understand the UK's pension system. There are three main types of pensions:

State Pension: Funded by National Insurance contributions. To qualify for the full State Pension, you need 35 years of contributions.
Occupational Pension: Provided by employers, who contribute a percentage of your salary to the pension plan. The amount you receive depends on your contributions and the plan's details.
Personal Pension: A private pension plan where you choose the provider and plan, with contributions from your earnings.

When planning your retirement in the UK, consider factors such as the cost of living, healthcare, property, and potential taxes on your pension income. Consult with a financial advisor to create your retirement plan and understand how your US pension and benefits might be affected when moving to the UK.

Financial Matters

Bank Accounts in the UK

Opening a UK bank account is essential for managing your finances while living in the country. Most banks offer a variety of accounts, including current accounts, savings accounts, and joint accounts for couples. To open a UK bank account, you will need to provide proof of identity (passport or driving licence) and a proof of address. Some banks also require a UK tax identification number.

It's worth researching different banks and their account offerings, as fees, services, and interest rates may vary.

Currency and Exchange Rates

The currency of the UK is the British pound sterling (GBP). When moving to the UK, you will need to exchange your US dollars (USD) for GBP. Exchange rates fluctuate daily, so it's essential to stay informed on the current rates before conducting any significant transactions.

To get the best value for your money, use reputable foreign exchange services with favourable rates, rather than relying on airport kiosks or hotel services. Alternatively, consider using an international money transfer service to minimise fees and secure better exchange rates.

Healthcare in the UK

National Health Service (NHS)

The UK healthcare system is mainly provided through the National Health Service (NHS), which offers comprehensive medical care to all residents. Healthcare in the UK, including Northern Ireland, is funded by general taxation, and most services are free at the point of use. The NHS covers a wide range of services, such as primary care (GP), specialist treatments, and mental health care.

Private Insurance Options

In addition to the NHS, private insurance options are available for those seeking faster access to specialists or treatments and greater choice in the healthcare providers. Many employers offer private insurance as part of their employee benefits package. Some popular private insurance providers in the UK include Bupa, AXA, and Aviva. It is essential to compare policies and take into account factors such as coverage, exclusions, and premiums. Alternatively, you can choose to self-pay for private health care, which may be more affordable than equivalent fees paid in the US. You should weigh the pros and cons of public and private healthcare options to decide what might suit your family needs best.

Dealing with Emergencies

For emergencies, accident and emergency (A&E) departments in UK hospitals provide urgent medical care. In a life threatening situation, dial 999 to reach emergency services, which will connect you to an ambulance, police, or fire services. For non-urgent medical needs, the NHS operates a 111 helpline that offers advice, support and can connect callers to appropriate healthcare services. There are also private urgent care facilities available in major cities, particularly London. These can treat non-life threatening conditions, but for anything more serious you should visit your local A&E.

Moving Process

Shipping

For shipping your belongings, consider the two primary methods: air freight and sea freight. Air freight is faster but more expensive, while sea freight takes longer but is more cost-effective. Compare shipping quotes from various companies and choose one that best suits your needs and budget.

Import Regulations

Familiarise yourself with the UK's import regulations before shipping your belongings. Personal effects, such as clothing and household items, can generally be imported duty-free if you have owned and used them for at least six months. However, there may be restrictions on certain items, such as alcohol, tobacco, and firearms. Check the UK government website for specific import regulations and potential fees associated with different items.

If you plan to bring a vehicle to the UK, be aware that there are import taxes and fees, as well as additional requirements to make your vehicle compliant with UK standards. It may be more cost-effective to sell your vehicle in the US and purchase a new one upon arrival in the UK.

Relocation Services

Relocation services can be a great help in simplifying the moving process. They offer support in areas such as finding a new home, enrolling children in school, and obtaining the necessary visas. We work with a network of expert property finders and can connect you with the right one. See here for more information.

Settling In

Expat Community

The UK has a thriving American expat community, spread across various cities and towns. Connecting with fellow American expats can greatly ease the process of adjusting to life in the UK. Joining local expat organisations and online forums will provide an excellent support system during your transition. Networking events and social activities can help in building connections and make your family feel more at home.

Getting UK Citizenship

Upon arrival in the UK, American expats must obtain the right of abode to live and work legally. This process usually begins with acquiring a visa, followed by Indefinite Leave to Remain (ILR) after five years, which can eventually lead to UK citizenship. UK citizenship depends on factors such as your visa type, residency, and reputation. It's crucial to understand the immigration laws and necessary procedures to secure UK citizenship smoothly.

Frequently Asked Questions

What are the best places to live for professional families in the UK?

Several areas in the UK are suitable for professional families, including London, Cambridge, Oxford, Edinburgh, and Manchester. These cities offer a balance between job opportunities, good schools, and a high quality of life.

What are the costs involved in moving to the UK from the US?

Relocation costs from the US to the UK vary depending on factors such as the volume of belongings, distance, and mode of transportation. Additionally, visa fees, living expenses, and housing costs should be considered when relocating.

What are the essential steps in a UK relocation checklist?

Key steps for a UK relocation include securing a job, applying for the appropriate visa, finding accommodation, researching schools (if applicable), and planning the logistics of the move, including packing, shipping, and finding healthcare providers.

How difficult is it for Americans to find a job in the UK?

The ease of finding a job in the UK depends on the individual's career field, experience, and qualifications. Some industries, such as finance, technology, and academia, have a higher demand for skilled professionals, making job hunting in these fields easier.

What factors should be considered when choosing a location in the UK?

When selecting a location, one should consider factors such as cost of living, job opportunities, quality of education, local amenities, public transport, and proximity to family or friends.

What resources are available to assist Americans moving to the UK?

Several resources are available to aid the relocation process, including government websites, expatriate forums, UK-based property search websites, and relocation agencies that can help navigate the immigration process, find housing, and address any other concerns related to moving to the UK. Our bespoke relocation services can take the leg work out of finding your new location and home. Do get in touch with us for more information.