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Thinking of Returning home after 11 year absence

Here's where to discuss the practicalities and issues involved in moving back to the UK.

Thinking of Returning home after 11 year absence

Postby Goonerdxb69 » Mon 4 Dec 2006 06:48 GMT

Hi Everyone,

I left the UK (again) in early 1996, so have been out of the UK for nearly 11 years. My wife left some 7 years ago. We are now living in Dubai and what with all the new construction etc it is getting worse. I have lived in and out of the Middle East since 1978.

Here in Dubai, Rents have gone up some 100 - 250% in the last 2 years (they are getting very greedy here) at present we are paying 15,000 GBP per year, plus 5% rental duty.

We are thinking of going back to the UK and buy a freehold Public House, I don't suppose anyone out there has done the same thing and could give us some tips?

Does anybody know if I will be able to get a good credit rating in the UK, having been away for so long? From what I can find on the Tinternet, if you have been out of the uk for more than 6 years you can't get a credit rating ...... which is just as bad as having a bad cradit rating from what I can gather.

We are not worried about going back to the UK as we both still miss old blighty. The biggest thing I worry about is crime (not much here - well not that we are allowed to know about - freedom of press my bottom cheeks).

The other things I want to do when I get back are go and sit by a river or lake and dip my rod ..... I do miss my fishing! And then of course go and visit the new Arsenal Stadium and watch the boys (I know we are not playing to good at the moment ..... but I still love em).

Anyway enough of the waffle but would like to hear if anyone has any tips?


Gooner :D
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Postby ruggie » Tue 18 Sep 2007 14:46 GMT

Are you sure you want to run a pub? Have you done anything similar before?
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Postby Kay » Tue 9 Oct 2007 11:27 GMT

Good luck with your plans. There are lot of different aspects to your question.

(I'm not an expert, these are just my thoughts on the matter.)

If you are sure that you want to run a pub, then unless you're going to buy it cash - you didn't say - then you're likely to need a more specialised mortgage. Perhaps one for people with a poor credit rating. I'd expect these to be much more expensive than the usual type of mortgage. And I'm not even sure that you can get this type of specialised commercial mortgage. There's no harm in researching this, though.

You're also going to want some form of credit with your suppliers. Hmmm. This could be difficult.

My feeling is that unless you have large cash reserves you might be better to do something else while you build up a credit rating.

Might it be worth trying to get a job for a couple of years as a pub manager for one of the big breweries? This would give you a chance to find your feet and learn the ropes.

Running a pub is a difficult business to succeed in and a hard business to sell on if it fails. Hence the number of pubs that burn down, most likely in an attempt to get some money from the insurance company. :?

Good luck, let us know how you get on.

[Sorry, I've just noticed how old the question is, although the reply above was much more recent. I'll post this anyway as it may be of relevance to someone else.]
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