Planning Your Finances as an Expat is Just the Start – We’re Here for Your Full Relocation Journey

Amie Roberts • May 19, 2025

Financial Planning for Expats

Moving across borders opens the door to exciting new opportunities. From tax-free salaries to a booming business environment, it’s no surprise that so many people choose to live and work in places such as the UAE. But whether you're coming for a job, to start a company, or to grow your wealth, relocating involves more than just booking a flight and opening a bank account. 

Wealth Planning Is Just One Piece of the Puzzle 

Let’s start with financial planning. When you move abroad, the way you manage your money will likely change. Places such as Dubai are tax-efficient, but they also have their own rules, especially around inheritance, property ownership, and company profits. 

We help expats and international families: 
  • Create valid wills to protect their assets 
  • Plan for retirement without relying on state pensions 
  • Understand home-country tax responsibilities 
  • Set up trusts and foundations for future security 
  • Build strong legal structures around their wealth 
But while this is important, it’s just one part of the bigger picture. That’s where our full support model comes in. 

Company Formation Without the Headaches 

Thinking of starting your own business in Dubai, Abu Dhabi or elsewhere in the UAE? We make it simple. 

There are many free zones and onshore options, each with different rules, benefits, and costs. Choosing the right one can save you time and money—not to mention avoid legal or visa issues later. 

Our team will: 
  • Advise on the best licence and structure for your goals 
  • Handle all paperwork and approvals 
  • Arrange corporate bank accounts and legal documents 
  • Help you stay compliant with local regulations 
We also offer ongoing support once your company is set up, so you never feel stuck or unsure of what’s next. 

Tax Planning for Global Citizens 

Just because the UAE has no personal income tax doesn’t mean you’re free from tax altogether. Many expats still have links to their home countries—such as property, savings, or pensions—that create tax obligations. 

Our team works alongside international tax experts to help you: 
  • Understand your tax status 
  • Avoid double taxation 
  • Manage overseas assets safely 
  • Stay informed about any legal changes that affect your situation 
This kind of planning gives you peace of mind, knowing your finances are protected in every country involved. 

A Relocation Partner You Can Trust 

What sets Mosaic Chambers Group apart is how we bring everything together. Instead of dealing with multiple firms for tax, wealth, company formation, and immigration support, we manage the full process under one roof. 

We’ve helped families, individuals, and businesses move across borders with confidence by offering: 
  • Tax & financial advice 
  • Visa and residency guidance 
  • Company and foundation setup 
  • Ongoing support after relocation 
  • Clear, honest answers without confusing language 
And most importantly, we take the time to understand your personal goals—so the plan we build is right for you, not just a one-size-fits-all service. 

Ready to Make Your Move? 

If you’re planning to relocate or expand your business overseas—or if you’ve already made the move and need expert support—Mosaic Chambers Group is here to help. With global hubs in both the UK and Dubai, our team of seasoned advisors brings over 25 years of experience in cross-border matters to guide you with clarity and confidence.

At Mosaic Chambers Group, we offer more than just financial planning. We are your trusted partner for every part of your move. From wealth advice and wills to tax planning, company set-up, and immigration support, we’re your single point of contact—so everything is taken care of in one place. 

Contact us today to book a consultation and let us take care of everything, so you can focus on enjoying your new life! 

If you’re not quite ready to make the move but want to explore your options, download our Relocating to the UAE Guide. It covers everything from visas and tax to lifestyle and logistics, so you can feel informed, prepared, and one step closer to making the right decision.
 
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By Amie Roberts February 18, 2026
Navigating the UAE Employment Visa Process in 2026 Relocating to the United Arab Emirates for employment offers significant professional and financial opportunities. However, the UAE employment visa process is structured, compliance-driven and time sensitive. Understanding each stage in advance avoids unnecessary delays and protects both employer and employee from regulatory issues. Below is a comprehensive, easy-to-follow guide to the UAE employment visa process as it stands in 2026. Step 1: Securing a Confirmed Job Offer The UAE employment visa process begins with a formal job offer from a UAE-licensed entity. Only an employer registered with the relevant mainland authority or free zone authority can sponsor an employee. The employer becomes the visa sponsor and assumes legal responsibility for: Applying for the work permit Processing the residence visa Ensuring compliance with UAE labour law Covering government application fees (in most cases) Employees cannot independently apply for a standard employment visa without sponsorship. Step 2: Work Permit Application (Entry Permit Approval) Once the employment contract is signed, the employer applies for a work permit (also known as a labour approval) through the Ministry of Human Resources and Emiratisation (MOHRE) or the relevant free zone authority. Documents typically required include: Passport copy (valid for at least six months) Passport-size photographs Signed employment contract Attested educational certificates (if required for the role) If the employee is outside the UAE, an entry permit is issued, allowing them to enter the country legally for employment purposes. If the employee is already inside the UAE on a visit visa, status adjustment procedures apply. Step 3: Entry to the UAE (If Applying From Abroad) For applicants outside the UAE, the entry permit allows legal entry into the country. Once inside the UAE, the individual must complete the residency formalities within the validity period of the entry permit (usually 60 days). Timing is critical at this stage. Failure to complete the process within the permitted window may result in fines. Step 4: Medical Fitness Test All employment visa applicants must undergo a mandatory medical examination at an approved UAE medical centre. The test typically screens for: HIV Tuberculosis Hepatitis (in certain categories) The medical fitness certificate is a mandatory component of the residence visa application. Processing time: usually 24–72 hours depending on service speed selected. Step 5: Emirates ID Biometrics The applicant must apply for an Emirates ID, which serves as the UAE’s official identification card. This process includes: Biometric data capture (fingerprints and photograph) Identity verification The Emirates ID is linked directly to the residence visa and is essential for: Opening bank accounts Renting property Obtaining a driving licence Accessing utilities and telecom services Step 6: Residence Visa Stamping Following medical clearance and Emirates ID application, the residence visa is issued and stamped electronically against the passport record. Employment residence visas are typically valid for: 2 years (mainland companies) 2–3 years (depending on free zone authority) Once issued, the employee is legally resident in the UAE and may sponsor eligible dependants (subject to salary thresholds). Key Considerations in 2026 1. Free Zone vs Mainland Sponsorship Visa procedures differ slightly between mainland entities and free zone authorities. Free zones operate under independent regulatory frameworks, although federal immigration approval remains central. The choice between mainland and free zone employment has broader implications, including: Corporate structuring Tax residency status Social security considerations Family sponsorship options These should be assessed before finalising relocation plans. 2. Employment Visa vs Other UAE Visa Categories The UAE also offers: Green Visas (for skilled professionals and freelancers) Golden Visas (long-term residence for investors and high earners) Investor/Partner Visas For entrepreneurs and senior executives, an employment visa is not always the optimal route. Strategic structuring may offer longer validity and greater flexibility. 3. Tax Residency Implications The UAE does not levy personal income tax. However, relocating professionals must consider: Exit tax implications in their home country UK Statutory Residence Test (for British nationals) Split-year treatment Ongoing ties and centre-of-vital-interests rules Corporate tax exposure for business owners Inadequate pre-departure planning can result in unintended dual tax exposure. 4. Corporate Tax and Employment Structuring With the introduction of UAE Corporate Tax, business owners relocating to the UAE must assess: Whether they will remain directors of overseas entities Permanent establishment risks Substance requirements Intercompany arrangements Employment structuring must align with the broader corporate and tax strategy. Why a Structured Relocation Approach Matters Many professionals treat the employment visa as a simple administrative formality. In practice, it forms part of a much larger relocation framework that includes: Tax residency planning Wealth structuring Asset protection Banking arrangements Property acquisition Family visa coordination A piecemeal approach often creates long-term complications. How Mosaic Chambers Group Supports Your Move to the UAE At Mosaic Chambers Group, we provide integrated advisory services for internationally mobile individuals and entrepreneurs. We coordinate: Pre-departure UK tax planning UAE tax structuring advice Cross-border compliance Local regulatory compliance We work alongside trusted UAE-based partners to manage: Visa processing Company formation Corporate structuring analysis Family sponsorship applications Wealth protection strategies Relocating to the UAE should be strategic, compliant and financially efficient - not reactive. Speak to Our Advisory Team If you are considering accepting a UAE job offer or relocating your business operations to the Emirates, we recommend obtaining professional tax and structuring advice before finalising your move. Early planning protects your position, reduces risk and ensures your move to the UAE is commercially sound and fully compliant. Get in touch with our team today to begin your relocation strategy with clarity and confidence.
Movng to dubai
By Amie Roberts February 12, 2026
Thinking about moving to Dubai with your family? We can help you assess eligibility, model the impact, and prepare a clear roadmap before you move. Contact us to begin a confidential discussion. Tailored advice for UK families, entrepreneurs, business owners and private wealth structures. Cross‑border, multi‑jurisdict
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