How the 2025 Budget Halves the CGT Relief for Employee Ownership Trust Sale

How the 2025 Budget Halves the CGT Relief for Employee Ownership Trust Sale

A Quiet Change with Big Consequences for Business Owners and Landlords

What Returning UK Residents Need to Know About Dividend Tax from Abroad

What Returning UK Residents Need to Know About Dividend Tax from Abroad

Understanding the 2026 Rule Change for Non-Resident UK Dividend Income

Unused Pension Funds and Death Benefits Face IHT from April 2027

A clear guide to the 2025 Budget’s new tax rules for property income and dividends, who is affected, and the planning steps landlords and investors should take.

From London to Dubai: Inside the Largest Shift of Wealth in Modern History

Want more than 90 days in Europe? Learn how Portugal and Cyprus residency programmes let UK citizens live, work, or retire abroad with ease.

Plan your return to the UK wisely. Mosaic Wealth UK and our Dubai hub show how offshore portfolio bonds protect expat wealth and retirement income.

Discover how crypto millionaires are reshaping global finance. Mosaic Chambers Group advises on tax migration and digital wealth preservation.

Discover how expats in the UAE manage wealth in 2025. Learn about tax-free income, investment strategies, and expert advice from CSPs for long-term financial success.

Discover Nigeria’s 2025 tax reforms. Learn how new Controlled Foreign Companies (CFC) rules, corporate tax, VAT changes, and capital gains tax affect businesses, investors, and multinationals. Get expert cross-border tax support from Mosaic Chambers Group.

Discover how to apply for a UAE Partner Visa and prepare for relocation to Dubai. Expert tax, company setup, property, and wealth support from Mosaic Chambers Group.

Who Are the HENRYs? HENRYs—an acronym for High Earners, Not Rich Yet—represent individuals or households with substantial incomes but little net wealth or savings. HENRYs typically earn between $250,000 and $500,000, yet struggle to build significant wealth due to high expenses and obligations In the UK context, HENRYs generally earn over £100,000, but find themselves stretched thin by rising costs, taxes, and societal expectations A detailed view highlights the paradox: high salaries masked by minimal savings, persistent debt, and heavy financial responsibilities, making many HENRYs still feel like they’re living paycheck to paycheck “Despite earning salaries over £100,000 … many Britons — now dubbed ‘Henrys’ … are struggling financially.” Times Why It’s Difficult Being a HENRY in the UK Punitive Tax Structures Earning over £100,000 results in the gradual loss of personal allowance, leading to marginal tax rates up to 60–71%, when combined with national insurance and student loan repayments Loss of Family Benefits Crossing income thresholds often disqualifies HENRYs from benefits like tax-free childcare, further increasing household costs Lifestyle Creep & High Fixed Costs Many HENRYs live in high-cost areas, shoulder big mortgages or rent, pay for childcare, and support family members. These pressures leave little room for savings or investments Five Practical Fixes for HENRYs 1. Set Clear Financial Goals Define short- and long-term objectives (e.g. early retirement, buying property, relocation) to guide your financial decisions 2. Track and Control Expenses Use budgeting tools or spreadsheets to identify unnecessary spending and reinforce disciplined financial habits 3. Automate Savings & Investments Automating transfers to savings, ISAs, or pensions ensures consistent wealth-building, even without active effort 4. Proactive Tax Planning Work with advisers to reduce tax liabilities through pension contributions, ISAs, or bespoke strategies. This can keep more income working for you 5. Seek Professional Advice Financial planners can help HENRYs manage complexity—pension strategies, legacy planning, investment advice, and global mobility for expatriates Is Relocating Abroad the Solution? For HENRYs, moving abroad may offer a chance to stretch income further, but it comes with pros and cons. Advantages Tax incentives and lower cost of living in destinations like Portugal, UAE, or Singapore could improve saving potential and lifestyle quality. Expat financial services and advisers specialise in tax optimisation, wealth protection, and cross-border planning Considerations Visa and residency costs, potential language or cultural barriers, and the need for local compliance can complicate relocation. Healthcare, schooling, and lifestyle preferences may vary dramatically by country. Not every foreign jurisdiction offers strong pension or investment environments suited to long-term planning. For those favouring staying in the UK, cost-of-living pressures and high taxation can still be mitigated with proactive wealth strategies and advisory support. Final Thoughts Being a HENRY doesn’t mean you’re on a clear path to wealth, even with a six-figure income. The combination of high taxes, lifestyle demands, and complex financial obligations means smart planning is vital. Whether you choose to stay in the UK or explore opportunities abroad, your focus should be on building wealth, not just earning. Take action today: define your goals, track your spending, automate your savings, plan your taxes, and seek expert guidance. Feeling like a HENRY? High salary, but wealth isn’t growing? Our global advisers can help, whether you want to stay in the UK with smarter tax and wealth strategies or explore relocation options abroad for lower taxes and a better lifestyle.

The UAE remains a magnet for entrepreneurs, investors, and high-net-worth families thanks to its tax-free system, business-friendly regulation, and global reach. But thriving here is about more than just moving — it’s about building and protecting wealth with a long-term plan. Why the UAE Is Ideal for Expats Zero income, capital gains, and inheritance tax 100% foreign ownership in free zones Strategic location connecting Europe, Asia, and Africa Stable, well-regulated financial system with access to DIFC and ADGM frameworks Wealth Strategies for Expats 1. Tax-Efficient Investing Diversify across UAE real estate, global equities, and tax-advantaged instruments. Offshore accounts, when structured correctly, can provide legitimate asset protection. 2. Family Trusts and Succession Planning Avoid inheritance complications common in the UK or EU. Use trusts and wills to manage intergenerational wealth transfer under UAE law. 3. Business Structuring Free zones such as DIFC and ADGM allow for 100% ownership, with the added benefit of aligning business set-up with Golden Visa residency. 4. Retirement and Legacy Planning Use the UAE’s flexible estate and retirement frameworks to secure your long-term future, while diversifying globally to manage risk. How CSPs Help Corporate Service Providers (CSPs) are essential partners for expats. They handle: Business set-up and structuring Cross-border tax planning Compliance with local regulations Wealth protection strategies tailored to international families Final Thoughts The UAE offers unmatched opportunities to grow, protect, and pass on wealth. But success requires foresight, professional structuring, and an understanding of how local and global regulations fit together. At Mosaic Chambers Group , we provide bespoke wealth and relocation advice for expats and businesses, drawing on decades of international experience. From tax planning and business structuring to residency and estate management, we help you build a future that works for you and your family. Contact us today to start shaping your financial strategy in the UAE, with clarity, security, and no hidden fees.

The FTA’s key UAE VAT filing deadline is 28 August 2025. File on time to avoid penalties of up to 300%. Contact us for expert VAT compliance support.

Discover key estate planning considerations in Italy, UAE, Portugal, Cyprus, and Malta. Our global relocation experts provide expat tax advice, inheritance planning, and support with visas, property, and moving abroad — all with over 25 years of experience and no unexpected fees.

Discover how the UAE Golden Visa empowers UK entrepreneurs and investors with long-term residency, tax benefits, and business opportunities through strategic property investment and company setup.

Dubai is on track to attract more than 7,100 new millionaires in 2025, according to wealth migration reports. This makes it one of the fastest-growing wealth hubs in the world, with inflows driven by favourable tax policies , a premium lifestyle, and world-class infrastructure. But this isn’t just a trend—it’s a shift in how the global elite choose where to live, invest, and raise families. Why Dubai? Several factors make Dubai uniquely attractive for high-net-worth individuals (HNWIs): Zero income tax and capital gains tax Golden Visa programme offering 10-year residency Pro-business environment with minimal red tape English is widely spoken, and common law principles are applied in financial centres Excellent connectivity, education, and healthcare Dubai offers both a haven and a launchpad—safety, luxury, and opportunity underpinned by legal certainty. Who Is Moving? In 2025, Dubai is attracting: Entrepreneurs from Europe and South Asia Family offices from the UK, Russia and China Fintech, crypto, and AI professionals seeking regulatory clarity and innovation-friendly policy Retirees and global nomads looking for long-term stability and tax-neutrality This group isn’t just wealthy—they’re mobile, young, and digitally enabled. The Role of the Golden Visa Dubai’s Golden Visa allows investors, entrepreneurs, and professionals to secure long-term residency without the need for local sponsorship. Recent updates to the programme have made it more accessible: Minimum investment thresholds have been reduced Residency can now extend to family members Options exist for property owners, business founders, and talented individuals This flexibility makes it ideal for UHNWIs planning for residency-based tax efficiency. Impact on Dubai’s Economy and Society The arrival of more than 7,000 millionaires in a single year is having noticeable effects: Rising demand for luxury real estate in areas like Palm Jumeirah, Emirates Hills, and Dubai Hills Booming demand for private education and bespoke health services Growth in wealth management, private banking, and family office services These inflows are also reshaping Dubai’s global image—from oil hub to wealth capital. Conclusion: A Deliberate Strategy That’s Working Dubai’s rise isn’t accidental. It reflects years of careful planning, legal reform, and international marketing. As countries like the UK and Switzerland tighten tax rules and public sentiment turns against the ultra-rich, Dubai is doing the opposite—rolling out the welcome mat for global wealth. At Mosaic Chambers Group, we support clients across borders—not only in the UAE, but around the world. With hubs in both Dubai and the UK, our relocation and corporate services extend globally, making us the trusted partner for businesses serious about long-term growth. Get in touch below to find out more. DOWNLOAD OUR RELOCATION GUIDE

Imagine working from a sunny beach café or a swanky co‑working hub, taking on clients from around the world, and doing it all legally in a vibrant, tax‑friendly place. That’s exactly what the UAE Freelance Visa offers. Whether you’re a coder in Cape Town, a designer in Dublin, or a writer in Worthing, this visa opens the door to a flexible, exciting lifestyle in Dubai or any of the seven emirates. What Is the UAE Freelance Visa? The UAE Freelance Visa is a work permit that lets skilled professionals live and operate independently in the UAE for up to two years, renewable each year. It’s available in free zones like Dubai Airport Free Zone (DAFZ), popular with media, tech, marketing, education, and creative professionals Top Benefits at a Glance Legal and flexible work status: Enjoy working freelance—no local sponsor or employer needed Affordable setup: Costs are very reasonable Tax-free salary: Keep 100% of your earnings—no personal income tax in the UAE Fast approval: The visa can be processed in 30 days Family included: Once you meet the income requirement, you can sponsor your spouse, children, even staff Future residency: Freelance visa holders often qualify for the Golden Visa, offering a long-term stay Co‑working access: Free zones offer affordable co-working spaces—no need for an office lease offer aff Global connections: Join events, meet international clients, or land job offers from major firms in the region Who Can Apply? You’re eligible if you: Are 21 or older with a valid passport. Hold a degree or diploma and relevant work experience Have a portfolio showing clients mainly based abroad. Pass a medical exam and provide police clearance No need to be employed by a company—the DAFZ issues the freelance permit you need Why This Is a Great Option The freelance visa is ideal if you: Want total creative and scheduling freedom. Prefer remote work and managing your own clients. Like fast setup at lower cost than a full company. Want to live with family in a modern, safe, tax-free city. Have clients around the globe and want your freelance brand taken seriously. We Can Help You — Anywhere in the World At Mosaic Chambers Group, we're relocation specialists with global reach. We help you: Decide which country's freelance or remote‑work visa fits you best. Handle paperwork smoothly—from permit to Emirates ID and bank account. Book a call now to explore your options and begin your adventure—whether that's Dubai, Canada, Portugal, or somewhere else entirely! With the UAE Freelance Visa, you get freedom, opportunity, and a base in a global hub—all while earning from clients around the world. Wherever you dream of living and working, we’ll help you make it happen. DOWNLOAD OUR RELOCATION GUIDE

New UK legislation from April 2026 shifts tax liability in labour supply chains. Find out how umbrella companies, agencies, and end clients will be impacted – and why it’s time to prepare.

From 6 April 2027, unused pension funds and lump sum death benefits may face inheritance tax, with some also attracting income tax. Find out what’s changing, who pays, and how to prepare.

Dubai Courts has made a groundbreaking move by opening its first international hub in London, creating an official route for UK-based clients to access Dubai legal services without boarding a plane. Backed by Dubai Chambers and managed by Al Burj Holding, the launch of Dubai Hub London marks a bold step in Dubai’s global legal and commercial expansion. The timing couldn’t be better: with Dubai topping global charts for foreign direct investment, the emirate is clearly serious about its international offering. Why this matters This isn’t just a pop-up office, it’s a statement of intent. For UK investors, law firms, and businesses with interests in the UAE, the benefits are immediate: Direct access to Dubai legal services from central London Faster processing of contracts, cases, and licences Removes the friction of cross-border legal support Strengthens UK–UAE investment and legal ties What the Dubai Hub London offers If you’re advising clients who operate in or are entering the Dubai market, here’s what’s now available without leaving the UK: Legal Services (Dubai Courts) Document certification, notarisation, and signature verification Wills and contracts for non-Muslims Remote court case registration and hearing participation Legal translation and attestation services Business & Property Services Dubai property valuation and document amendments via the Dubai Land Department Trade licence registration, renewals and amendments through the Department of Economy & Tourism Residency, visa and ID support for investors and entrepreneurs via the General Directorate of Residency and Foreigners Affairs What’s behind this move? The hub is part of Dubai’s wider D33 economic agenda, aimed at attracting foreign capital and simplifying access for global investors. As Mohammad Ali Rashed Lootah, President and CEO of Dubai Chambers, put it: “This is a strategic move to make Dubai more accessible to international investors and position the city as the world’s most dynamic business hub.” Benefits at a glance One-stop access to Dubai legal, commercial, and immigration services Increases confidence for UK-based businesses engaging with the UAE Reduces delay and red tape for those managing Dubai-related legal matters Opens up new routes for foreign investment in Dubai from London Forges a more connected, functional UK–UAE legal and economic relationship How can we help? Mosaic Chambers Group offers strategic, end-to-end support for clients using Dubai Hub London. We help interpret complex UAE legal procedures, prepare and submit documentation, and represent you from start to finish and beyond. Whether you're registering a business, handling property matters, relocating or trying to understand cross-border compliance, we ensure everything is handled accurately, efficiently, and in line with both UK and Dubai requirements. Our team works closely with Dubai-based professionals to deliver a joined-up, seamless experience, saving you time, reducing risk, and offering peace of mind.

From April 2026, Business Property Relief (BPR) and Agricultural Property Relief (APR) will be capped at £1 million per individual. Learn what’s changing, how trusts are affected, and what action to take now to minimise inheritance tax.