Архив метки: Advice for Russians Moving to the UK

Thinking about moving to the UK? Think again!

Update: Advice to Russians (to anybody!) thinking about moving to the UK

Published: 4 September 2022 ~ Thinking about moving to the UK? Think again!

This post is an addendum to, or update of, four posts I wrote earlier advising Russians on what to expect should they ever contemplate the possibility of emigrating to the UK.

Previous posts for Russians contemplating a life in the UK
Advice for Russians Emigrating to UK
Advice for Russians Moving to the UK
Russians moving to London: Costs
For Russians Moving to UK Towns not London

My advice today is simple: Don’t!

You may think that ‘Don’t!’ derives from the Russophobic situation that is sweeping across the West faster than coronavirus leaked from a US weapons lab, but the proliferation of anti-Russian sentiment is small potatoes, chicken feed, compared to the calamitous financial mess with which the UK is engulfed.

The extent of this crisis, if not its far-reaching societal consequences, can be ascertained from a simple experiment. Go to Googlenews.co.uk and in the search window key in each of the following search terms in succession and see what they bring up:

UK cost of living soars
UK standard of living falls
UK house prices rocketing

Here are five randomly selected media articles pertaining to each of the search categories (as of 24 August 2022)

UK cost of living soars
UK inflation hits 10.1% in new 40-year high as cost-of-living crisis continues to soar

‘A tragedy’: Britain’s cost-of-living crisis worsens as rents soar and energy bills top $5,000

Cost of living crisis: Wages plunge at record pace as bills soar

Mother-of-four says ‘every day is a struggle’ as cost of living soars

Cost-of-living payments branded insufficient as energy bills soar

UK standard of living falls
UK living standards ‘to fall at fastest rate since mid-1950s’

UK faces worst drop in living standards since 1970s, economists warn

Brits told to brace themselves for worst standard of living since records began

UK faces long recession and deepest plunge in living standards on record, Bank of England warns

Britain, a services superpower sinking into stagnation

UK house prices rocketing
UK house prices rise at 11% annual rate despite cost-of-living crisis

UK house prices set to rise even higher despite a 36% decline in buyer demand, experts say

Postal districts around the Olympic Park see house prices increase as much as £537k over ten years

UK house prices rise at the fastest rate for 18 years

UK builder Bellway reports record revenue as house prices climb

As you can see from the randomly selected online headlines, cost of living in the UK is soaring, the standard of living is in decline and yet, against this backdrop of misery and woe, house prices are rocketing.

Discard immediately any reports that you read in the UK media that house prices are ‘slowing’ or that there is a ‘correction’ in the housing market. Statements of this nature appear periodically in the UK press, every six months or less, but by the time you have digested them house prices are off again, climbing that fateful ladder from which the only way down is rapid and fatal. It is interesting to note in this respect that, as Sherlock Holmes would say, ‘The game is afoot’. In the last three days UK media, with nothing new on the coronavirus front to bluster about and the British public’s Twitter-afflicted attention span no longer able to focus on Ukraine, has turned to startling prophesies of an impending crash in the housing market to provide my fellow Brits with the crisis fix they crave.

Whatever they tell you, the fact remains that cost of living is up; standard of living is down; and buying a house in the UK is out of reach for most people.

To understand the mechanism by which the catastrophic gulf between cost of living, standard of living and artificially inflated house prices have come about in the UK, you need to turn the clock back to a time that several generations of Britons were born too late to know. In this era, which was a continuation of hundreds of years of history, homes, as the word implies, were houses where people lived, typically for the entirety of their lives and for generations of a family’s descendants.

The key word in this scenario is ‘home’, since that is what houses had always been and were, homes, and to a large extent they remained as such until the Thatcherite era of the 1980s, when houses ceased to be homes and became instead a speculative commodity.

In the 1980s under Prime Minister Margaret Thatcher, Thatcherism, as it became to be known, was turbo-charged capitalism. Faced with no other way of shoring up the country’s coffers, plundered and sacked as usual by the outgoing Labour government, Maggie had no alternative but to sell off the ‘family silver’, privatising everything in sight (well, almost). In her zeal to mobilise the country’s economy¹, she sacrificed the right, the historic right, to a stable family home, by turning houses into a make-money-quick scheme. Instead of a home for life, houses became speculative investments to buy for profit, not to live in. The nation became obsessed, first by the aspirant desire to join the ranks of owner occupiers and then, like them, to make money from their acquisition. This obsession continues today.

Downsizing in the UK — **Looks like an Englishman’s home is no longer his castle**

As part of her grand plan, Maggie also introduced the Right to Buy, a housing act giving tenants of local authority housing (council houses), the right to buy their ‘home’. This programme of apparent social mobility, which had the soon-to-become socialist dinosaurs breathing fire and brimstone, was all well and good as long as ‘home’ and ‘right to buy’ appeared in the same sentence. But it didn’t quite work that way. A good many social housing converts had no sooner bought their ‘home’ than, following the lead of legacy homeowners, they were selling them on for a profit. An Englishman’s home was no longer his castle, it was a rapid succession of cash cows: sell the house, buy another house, use the cash from the sale of the first property to develop the new house. Invariably, however, there was never enough money from the sale of the first property to entirely fund the second, so in order to make up the shortfall, it was cap in hand and off to the bank for a mortgage. Did you hear the sound of thunder off-stage! As any seasoned Monopoly player will tell you, once the mortgaging starts for many the game is over.

The immoral transformation of home to commodity, which would re-energise the wealth and social aspirations of a generation of Brits during the Thatcher years who, let’s face it, had been ‘shat upon’ by Labour, rapidly gained traction in the UK and has steamrolled ever since. It gave ‘ordinary people’ the chance to make what they saw as mega bucks by buying properties, knobbing them up, living in them until they felt the time was right and then swiftly selling them on. In all fairness some of these latter day quick-profit speculators did make money, some, a minority, made a fortune. Very few had a home. My boss bought and sold the houses in which he and his family lived so many times in succession that his son once tellingly remarked that he had no idea what a proper home was! But whilst ‘your average punter’ was sweating and toiling away to keep up with his relocating neighbours, those who made the lion’s share and are coining it in still, were and are ~ surprise, surprise ~ property developers, bankers and financiers.

By the time ‘our Tony’, Tony Blair, arrived on the scene, the die had been cast. Not since Al Capone had built a criminal empire on the back of prohibition had one so young been better positioned to re-align a political party, adopt and adapt the housing boom template and make, by all accounts, a tidy profit in the process⁴ whilst driving the country into debt, more debt, greater debt, desperation and moral depredation. The old rank and file socialists, what’s left of them, must, when they look back on Blaire’s stewardship of the country, hear the ghostly voice of Val Doonican singing “If I knew then what I know now” (Sorry, what’s that you say? You’ve got all his LPs?), for Tony’s New Labour was, and is ~ as we all know now ~ no longer Labour at all but the New globalist-oriented Liberal-Lefty party², a syndicated branch of the Davos Globalist Cartel.

Not content with flooding the country with unwanted immigrants, all of whom needed housing of their own (funny, that!), Tony threw himself body and ~ well, we won’t say soul ~ behind the housing boom, making in the process, so it is alleged, a pretty penny or two for himself whilst subjecting the nation to fictitious wealth, unrelenting debt and eventual penury³.

Thinking about moving to the UK? Think again! It's all credit cards, loans and debt!

Under Blairism, loans and credit cards were floating around like confetti at a wedding of 85 genders. It was all aboard the unsecured loans, unaffordable mortgages, credit cards bandwagon and nobody seemed to realise ~ or if they did, they did not care as long as they might make money ~ that the final destination would be Debt. Irrefusable offers and multiple invitations to climb aboard the credit bandwagon dropped through Britain’s letter boxes in such monstrous egalitarian profusion that they almost outdid Reader’s Digest in their contribution to the junk mail mountain.

Today, whilst most Britons feel like door mats for the political elite to wipe their mucky boots on, at least their own door mats are virtually free of offers which they should never have not refused. With the goose no longer laying the golden egg of unlimited loans, the days of making a ‘fast buck’ on your home, whilst not entirely over, is fraught with pitfalls. Now, the only way for ordinary folk to claw back a little money from their property is to sell and move into a shoe box. This symptom of desperation, the practice of fleeing to a smaller home, relies on the buzzword ‘downsizing’ to sugar coat the pill, but people do it, and more and more, because moving into a smaller and less desirable property is practically the only way of keeping the bailiffs from the door and, in the process, with a good back wind, to extricate yourself from your incumbent children who, since they cannot afford a mortgage themselves, could otherwise be living with you until they receive that telegram from the Queen.

Moving to the UK where downsizing is popular

By divvying up the dosh from the sale of your former and better property, your cherished family home, you might just be able to give your children the amount of wonga required to meet the mortgage deposit demanded by the bank. This down payment (and ‘down’ is the word to note), should ensure that yet another generation signs its precious life away to the mortgage devil. Don’t worry, the bank will help you. It’s skilled in the art of having your leg up onto the property treadmill.

Do I mean ‘the property ladder’? No, I meant what I said. For a 25-year mortgage is a sure and certain way of condemning yourself to a job in which you dare not rock the boat or dive overboard even if your sanity depends upon it, because you are chained to that monthly mortgage payment, and if you cannot afford to stump up the money every month on the dot you are going to lose your house, which means you are going to lose your home. As it says in the small print of every mortgage contract (always read the small print), ‘if you cannot keep up payments on your mortgage you are liable to lose your ‘home’ ~ that’s right ‘your home’: the threat could not be more explicit ~ Got you, wage slave!

However, just because the majority of folk in the UK are no longer making lots of wonga on playing the property game, it does not mean that everyone is in the same leaky boat. This is because not everyone is a wage slave ~ most are, but not everyone. Inflated house prices, big-big mortgages, high-interest loans and revolving credit is just about the only thing that keeps the UK afloat, the definition of what constitutes the UK restricted to bankers, financiers, politicians and moneyed elites. The gilded members of this UK, a club that only the few belong to, have been living it up, metaphorically and actually, on their luxury yachts for years and only now are beginning to wonder if the collective term for their privileged buoyancy is spelt the same as Titanic. It’s almost time to look for the lifeboats, which for many won’t be there.

Thinking about moving to the UK? Think again!

For the majority of ordinary Brits, keeping one’s head above water is difficult enough. It is widely recognised that given their track record Britain’s politicians couldn’t save a drowning man in a back garden paddling pool, let alone provide adequate lifeboats to save the nation. But the economic situation has become so tragic that most Britons would willingly settle for a half share in a snorkel, if only they could afford one.

In this tragi-financial-comedy, every time the victims of artificially inflated house prices take on a mortgage it offers the same security as flipping a coin. But no matter which side up the coin lands, for the political-legal-banker cartel the outcome is always a winner. These are they who are literally coining it in.

Vital Statistics
Deposit: At least 5% of the cost of the house you would like to purchase. If you are a first-time buyer, most banks will expect potential buyers to pay a 10% deposit

Average cost of a house in the UK: As of May 2022, the average UK house price was approximately £280,000 which represents an average increase of £30,000 in a 12-month period

Predicted rise in utility bills in UK end of 2022: Energy prices are forecast to more than double in the 12-month period ending 2022. Some sources suggest that energy prices will exceed £5000 by the end of 2023.

Making much about house prices is a justifiable exposition when it comes to laying bare the problems of living in Britain. It is not by far the only cross that Britons have to bear when it comes to making ends meet, but when all is said and done housing is the big one.

As I noted in my earlier posts, whilst keeping up mortgage payments on your home will devour at least half of your monthly income, what’s left of it will be gobbled up by utility bills and council tax. As for those other ‘necessities’ ~ contents’ and buildings’ insurance, the cost of running a motor vehicle or two (including petrol costs), internet connection bills, credit card payments … let’s not go there! But do remember to bear them in mind!

Energy bills in the UK are astronomical!

In the pecking order of daylight robbery, after burglary by mortgage comes mugging by utility bills: always a dreaded spectre; now they are downright terrifying.

How convincingly the meteoric rise in gas and electricity prices can be attributed to the UK establishment’s wanton participation in the United States’ criminal Ukraine adventure is debateable. Unlike Europe that relies for its comfortable existence on Russian gas, it is claimed that Britain only has a 5% reliance stake in gas from Russia. Be this as it may, it doesn’t help any when you are a small country devoid of natural resources to turn your suppliers into your enemy just to please a collapsing United States and to indulge Liz Truss’s make believe that she is Margaret Thatcher.

There are, in fact, a number of interlocking issues that explain why the British public are being hit with gargantuan utility bills: historic bad management of the economy is one of them; the other is the bogus alternative energy argument, which is the alternative energy industry; and the other, of course, is Ukraine.

The Russians dun it

Citing Russia’s special operation in Ukraine as a reason for old age pensioners freezing to death in energy-starved Britland this winter, is part of western governments’, and therefore western media’s, shaky mainstream narrative. At the outbreak of the Ukraine crisis, western leaders actively exhorted the easily-manipulated British public to invite a Ukrainian refugee into their country, even into their homes, orating in glowing terms of how humanitarian crises in far-flung distant lands were infinitely more important than selfish preoccupations such as keeping warm in winter, keeping the lights on at home and keeping yourself from fainting with shock when you pay for your fuel at the filling station. But such gung-ho noble sentiments whilst entertaining in summer tend to lose their ennobling appeal as the icy blasts of winter gather upon the horizon of the western hemisphere. And it is no consolation that whilst the majority of Britons will be rubbing their hands together in an attempt to generate warmth, a small and privileged minority, viz the CEOs of utility companies, will be rubbing theirs and each other’s for entirely different reasons.

Western politicians and the media with which they collude are keen to sell the line to the British public that the Ukraine conflict is driving up the global gas price as traders are concerned that they may not have access to Russian gas in the future, whilst carefully omitting that the reason why Brits will go cold, broke or possibly both this winter is a direct consequence of US globalist ambition. The US-led western collective’s attempt to crush the Russian economy and destabilise the country by imposing sanction after sanction on it and perpetuating the Ukraine conflict by throwing public money away on arms shipments has barely dented Russia but has subjected the British populace to energy and standard-of-living impoverishment barely known in the UK since old man Labour was last in power. Come on liberal lefties! What about the NHS and the escalating energy bills! Get out those banners and riot around the streets!

Another thing that is rarely mentioned, if ever, is that the renewable energy industry, which has long been touted as the answer to the Earth maiden’s prayer, is full of rapacious snake oil salesmen. The suspicion that renewable energy is a complete fraud is echoed and substantiated by socio-political experts around the world, who agree that inordinate amounts of tax-payers money is siphoned off each year to fund futile renewable energy projects at the expense of energy security⁵.

Most UK politicians do not want to hear this, and the Greens are having a shit fit! How dare renewable energy be exposed for the fraud that it is!⁶ Goodness knows what they, the Greens, are going to do this winter to keep warm. Downsize into the smallest shoe box imaginable, put on a couple of extra anoraks and get their live-in Ukrainian to pump the bellows around the candle? Mind you, the cabbage-brained Greens are so adept at producing hot air about the so-called iniquities of those on the right (and usually in the right) of politics and trumpeting loud and long about bizarre, unworkable loony-left policies that they could keep the entire country warm by the laughter that they generate.

But is it a laughing matter (snigger)?

Thinking about moving to the UK? Think again! No energy and freezing! — British people shiver in winter as they cannot afford to pay their energy bills

The UK is often cited as a country that no longer makes things or produces anything. It is a funny little place that pushes funny money around on computer screens in banks, loan shark offices, credit card companies and in one of the biggest gambling houses in the world (although the news on the street is that even this is losing its edge to foreign competition) the London Stock Exchange (see: Charlie Richardson and the British Mafia). Inflating house prices and concreting over the countryside with little unattractive, unimaginative red-brick boxes badly built and not worth a quarter of the money that they are ‘valued’ at is the UK’s financial equivalent of The Last Chance Saloon. ‘Britain needs more houses’ is as facile and environmentally catastrophic as Britain needs more immigrants is suicidal, but old slogans, like old habits, die hard, especially when they serve the self-serving interests of the country’s corporate carpetbaggers and its slippery liberal politicians.

The UK is also a country that allows (did I hear you say ‘encourages’?), a monthly tsunami of illegal immigrants from all corners of the third world; thousands upon thousands of freeloaders whose social security benefits, hotel bills, translator and interpreter fees, housing costs ~ the list goes on ~ comes out every pocket of every working British citizen in his, her or its taxes, just so liberal lefty can say, “Hello Sammy from Bongoland, aren’t we kind and tolerant!” The only reason that this silly country, the UK, is not a silly bankrupt country is that as soon as the going gets tough, those at the top of the very pointy pyramid simply print more money, as they did when tipped the wink by the WHO that coronavirus was the perfect excuse for doing so.

Thinking about moving to the UK? Think again!

I am not going to expatiate on the auxiliary costs of living in the UK and the reason why The Smiths’ lyrics, “I was looking for a job and then I found a job and heaven knows I’m miserable now!” is so applicable to modern UK life. Suffice it to say, and we’ve all been there, that once you’ve got that job that took six months, 100 application letters and almost as many interviews to get, you soon learn, usually the day after the euphoria dies, that it will never pay enough to keep your head above water: cue credit cards, sequential loans and very happy financiers. It’s not long before you hate that job. In fact, you loathe and detest it. All that shit from your employers and those awful people with whom you have to work, who, if you saw them coming towards you in the street, you’d quickly cross the road to avoid. But you are trapped: your mortgage depends on your salary, and in an overpriced, under-governed and horribly overcrowded country where hundreds of people chase every job, you have no other option but to stay put and endure it, no matter how desperately skint you are and how tragically miserable your life has become.

Apart from this, living in the UK is bad (at last whilst the liberal-lefty globalists are in charge). Why would you want to live there? Why would you want to go there? This post has discussed the positives, next we’ll expose the negatives.

Man the lifeboats! What am I saying!!! ‘Its and Others first!’

Footnote: See reference 3 below. In this article published in 2015, the author writes:
“It is crucial that the next government introduce detailed, workable and effective measures to boost housing supply across the country.” That’s the UK for you! All they can think of is ‘build more houses’ Like unlimited immigration, where, or rather how, will it all end?

References
1.https://www.reuters.com/article/idUS120413522020130410
2.https://www.researchgate.net/publication/254356162_Globalisation_and_public_policy_under_New_Labour
3. https://www.cityam.com/general-election-2015-how-tony-blair-presided-over-biggest-rise-house-prices-history/
4. https://www.theguardian.com/housing-network/2016/mar/18/tony-blair-profiting-housing-crisis-investment-property?CMP=twt_gu
5. https://www.netzerowatch.com/why-the-renewable-energy-industry-is-mostly-a-scam/
6. https://stopthesethings.com/2020/05/27/green-left-furious-at-michael-moore-for-exposing-renewable-energy-as-complete-fraud/

Image attributions:
Sunk boat: https://www.needpix.com/photo/1343217/ [author: Darren Lewis (publicdomainpictures.net)]
Credit card: https://www.needpix.com/photo/27375/
Shoe box: https://www.needpix.com/photo/1536959/ [author: George Hodan (publicdomainpictures.net)]
Man with bill: https://publicdomainvectors.org/en/free-clipart/Man-worried-about-the-bill-vector/2313.html
Freezing man: https://publicdomainvectors.org/en/free-clipart/Freezing-man/73316.html

For Russians Moving to UK Towns not London

‘Trust me, I’m an estate agent …’

Updated: 12 March 2022 | Published: 8 August 2021 ~ For Russians Moving to UK Towns not London

Warning!
In response to Russia’s special operation aimed at ‘demilitarising and de-Nazifying Ukraine’, the UK media has embarked upon and is actively pursuing an intensive propaganda programme which is resulting in widespread anti-Russian sentiment and Russophobia. Aimed at cancelling Russian culture and demonising Russian citizens at every level, incidents of verbal abuse and physical aggression towards Russian nationals have been reported in various western countries, including the UK. This comes against the backdrop of reports suggesting that Facebook is greenlighting hate speech against Russians on its social media platform. You are advised to travel to the UK only for essential reasons and whilst there to exercise caution.

Part 4

Part 1: A warning to the Curious
Part 2: How it was for us …
Part 3: Russians Moving to London: Costs

Disclaimer

This is the third in a series of blog articles in which I provide Russian’s who are considering emigrating to the UK real advice, as opposed to the jaunty ‘I’m off to uni’ kind that has about as much gravitas as the WHO in the midst of a pandemic.

It is a ‘taken for granted’ that all who read this are fully apprised of the latest situation pertaining to coronavirus, as defined by the UK government, and equally are fully cognisant of UK travel and entry requirements regarding Covid-19 testing, quarantine and the many and numerous Covid-related restrictions that apply within the UK, especially with regard to ‘vaccination passports’.

This accepted, I write this guide with the honest but bemused assumption that in spite of common sense there are still people who, possibly because they have recently missed their psychiatric appointments, are yet to be dissuaded from moving to Plague Island, and it is with them in mind that I do proceed. Forgive me.

For Russians Moving to UK Towns not London / Jump to Section
Disclaimer
Introduction
Methodology
Cornwall
Penzance
Renting property in Penzance
Buying property in Penzance
Council Tax in Penzance
Crime in Penzance
Durham
Renting property in Durham
Buying property in Durham
Council Tax in Durham
Crime in Durham
Conclusion

Introduction

When anybody asks me in Russia where did I live in the UK, they expect me to answer London, and if I miss out the fact that I did live in London choosing instead to mention one of the 14 other places where I also lived whilst in the UK, they are either stumped or do not want to know. This is because most Russians, like a lot of other people around the world, confuse London with England and have precious little knowledge of anything else about the UK.

This is not their fault, because after all London is the capital city of the United Kingdom, but the disproportionate focus on London at the expense of the rest of the country has been a transformatory one, effectively turning London from capital into country and eclipsing England in the process.

The way in which the UK, and England in particular, is portrayed falsely implies that where London leads the rest of the country follows, which, as my Indian friend would politely put it, is ‘bullshit’! (He’s a real refuge from Idi Amin!) Everything, especially the socio-political makeup of the UK is filtered through a metropolitan media that writes about issues that have no relevance for anyone except a certain political class that lives in a world of virtual reality known to them as London. The UK media is little more than the public relations arm of what is commonly referred to as the ‘Islington set’, a catchall that speaks for itself, as Islington is the London borough that symbolises the unholy ground of neoliberal elitism.

What this means is that the behaviour, beliefs, dogma, political prejudices, attitudes, in fact most everything that you read about UK life as conveyed by its mainstream media is hopelessly skewed and distorted. It represents the minority view of a small percentage of people who live in the Island of London within the British Isles, most of which are as English as Genghis Khan (isn’t he the mayor of London?) and only just make British by virtue of a paper pledge bubble-gum stuck to rights that could be whipped away at a moment’s notice by any political wind depending on where it is coming from and the force of its emission.

Well said that man!

In order for you to know England, not the UK or the spurious Britain in which hardly any Britons live, you need to get out of London and go elsewhere in the country. I am not advocating that you give up on London altogether, far from it. For all its faults and pitfalls, London is ~ still is ~ an interesting and dynamic place, so not to go there would be doing yourself a great disservice. But going there does not mean that you have to live there; you might not even want to live there. So, by all means travel to London to see what it is like, buy yourself some union jack underpants, put them on smartishly so as not to offend the ‘minorities’ and, if you have any money left after you’ve paid your rail fare and been duly mugged in Enrichment Street, you can tell your friends you’ve been to London, and they will be impressed, if only because you’ve been to London and lived to tell the tale. Alternatively, you could save yourself the risk, the bother and the cash, have a cheap day out in Scunthorpe and tell a fib instead!

Experience over or conscience placated, it is now time to get a feel of what England is really like. I will say that again: what England is really like and what English life is about. To do this, you should venture forth, like the fictional character Blackadder, into England’s provincial towns and villages.

I am not suggesting that you substitute London for Manchester, Brum (Birmingham), Leeds and so on. A large city is a large city, and all of England’s cities have suffered the irretrievable fate of the ignominious liberal experiment. Of course, if that is what you have come to see and want to experience, then go to these places you must. But I should warn you that most sane people in the UK, those who have not been indoctrinated and are still free thinkers, most of whom live in the provinces, would only end up in these places if they accidently caught the wrong bus, and then they would not admit to having been there. However, as you are ‘not from ’round ‘ere’ no one can really blame you. I should mention at this point, however, that many of the UK’s smaller towns, especially those ‘up North’ also have the blight. Size is not a guarantee, but sometimes you might be lucky..

Methodology

In the scope of this post and considering that I want to go for a beer, it is not possible, you’ll be pleased to know, for me to ramble on about every town and village in England, so with this in mind, and that pint or six I’m waiting for, I’ll confine myself to outlines and pointers and then we’ll move on to housing costs.

For the sake of brevity and extremes, I am going to follow the simplistic plan of dividing England along its traditional faultline, North and South, but whilst skirting adroitly around London, please do bear in mind that there are many other towns, and indeed villages, from which you can learn about English life other than the two examples that I have chosen here.

For Russians Moving to UK Towns not London: Cornwall

We will start with Cornwall in the southwest of England. It is an interesting place for many reasons, one being that a small group of Cornish nationalists, whilst not pushing for complete independence from England in the way that the Crimea yearned to return to Russia to avoid becoming a vassal EU state, have none the less made protestations for their county to be granted some degree of regional autonomy. This is quite ironic, as I am sure I am not alone in my estimation that Cornwall (and its neighbouring counties Devon, Dorset and Somerset) is one of the most English places in England. I will underline that again English, emphasised because the term British has been hijacked, misappropriated and rendered virtually meaningless by invasion-abetted politics and its confederate appeasement policies.

For Russians Moving to UK Towns not London Map of Cornwall England

Where Cornwall is exactly can easily be determined by a cursory glance at the map of the British Isles. It is the last county at the tapering end of the country, a peninsula of wild moorland, small atmospheric towns and ancient villages. Its two coastlines, no more than 22 miles apart, offer holidaymakers beautiful sandy beaches on the south side and a dramatic shoreline of precipitous cliffs on the north. The south coast, with its quaint harbour villages and sandy coves has earnt itself the name of the Cornish Riviera; the north as the place to go for dynamic seascapes and surfing. At the furthermost tip of Cornwall lies Land’s End, the most westerly point in mainland England. It is rugged, dynamic and a little bit spoilt by over-commercialisation but nevertheless remains one of the country’s most famous landmarks.

For Russians Moving to UK Towns not London: Land's End Signpost

Like the sound of it already? Then let’s take a look at how much it costs to rent or buy a property in this little corner of southwest England.

For no other reason other than that I have been there, the first town that I have chosen for this exercise is Penzance.

For Russians Moving to UK Towns Penzance

For Russians Moving to UK Towns not London: Penzance

Penzance is the last major town in Cornwall before the land runs out at Land’s End. Hey, you don’t think that’s why they called it Land’s End, do you?! It is a market town, whose historical claim to fame is that in the latter years of the 19^th century it was the only coastal town in Cornwall to have its own promenade. Also in the 19th century, the Great Western Railway reached the end of the line at Penzance, a culmination that swiftly diversified its age-old status as a thriving port to that of a major holiday resort. Some say that its holiday appeal has tapered off in recent years, but how much this has to do with the fickleness of tourist preference and how much with being locked down in your own home whilst wearing a mask and putting ‘I’ve had my vaccine’ on your rainbow-tinted Facebook avatar is anybody’s guess and, in all likelihood, tomorrow’s documentary.

What I can say is that to help me with my inquiries regarding renting and buying properties in Penzance, my first port of call was to what has been described as the UK’s largest online real-estate portal and property website. I can see that you are impressed!

Renting property in Penzance

Surprisingly, the largest property-search website in the UK returned no more than four properties to rent in Penzance, and this return was based on a non-filtered search query.

Bottom of the barrel and top of the least expensive list was a one-bedroom property at £460 per calendar month, offering the potential tenant a mouth-watering zero-deposit carrot.

About the deposit: In my previous article on renting property in London, I mentioned the dreaded deposit. This is a lump sum that the prospective tenant pays in addition to one month’s rent in advance as surety to the landlord that on leaving the property the bricks, mortar, fixtures, fittings and furnishings (if there are any) are in the same condition as when the tenant moved in.

The deposit is usually, but not always, equal to a month’s rent. It is a built-in safeguard for the landlord that the tenant treats his property with respect, based on a legal agreement that on vacation of the property should any damage or excessive wear and tear be evident, the cost of repair and/or replacement will be deducted from the deposit. In the event that the property is in tip-top shape on the day that the tenant leaves, theoretically the deposit that he or she has paid should be refunded in full.

This all sounds reasonable enough, until the time comes for you to leave the property. It is then that your scurrilous landlord, or rather the crooked estate agent acting on his behalf, accuses you of all sorts of vandalism, for which you have no redress, and consequently holds back a large proportion of your deposit to compensate for fictitious damage and/or depreciation. So, it is a real boon if you can rent a property in the UK where the deposit is waived, although my advice to you is deposit or no deposit, before you move in take as many photos as possible of the flat/house and all its contents and make sure the photos are date stamped. Even better, send copies to the estate agent, making sure to home in on any existing damage and anything else that is worn and jaded.

For Russians Moving to UK Towns Vampire estate agents

This property, the one-bedroomed one advertised in Penzance , offers the inducement of ‘zero deposit available’. Why ‘available’ and not just ‘zero deposit’ is I suspect a difference to be ultimately determined by the score that your credit-rating check returns, a game-changing factor which can ultimately make the difference between getting that flat you are after or being flatly refused. And incidentally, credit scoring is by no means as straightforward as you might think. If you have never had or never used a credit card, then you will have a zero-credit rating: that’s bad. If you have used your credit card(s) and missed payments, even once or twice: that’s bad. If you owe an awful lot of money but have consistently paid your lender back the capital you have borrowed plus their extortionate interest on top: that’s good. Just saying.

Back to the one-bedroom ‘property’ at £460 per calendar month. By UK standards this is not expensive for a one-bedroom flat. But wait a moment, this is not a flat. It is, and I quote, “a double bedroom in a house of multiple occupancy”? A ‘house of multiple occupancy’, whilst it might sound like a nice way of saying brothel, is, I am sorry to disappoint you, just a posh way of saying bedsits. Your ‘double bedroom’ for £460 per calendar month is in fact no more than a room in a converted Victorian/Edwardian house that has been rabbit-hutched into bedsits.

Note that the room is ‘single occupancy only’, so no migrants with eight children please, or a stream of live-in lovers. It is ‘fully furnished’, which means it has a bed, sofa, small fridge, bedside table and chest of drawers ~ cheap but perhaps not cheerful. There are five other rooms in this ‘house of multiple occupancy’ so let’s hope that you all get on with one another because the kitchen, which is small, is shared, as is the bog and bathroom.

Having been in bargain basement for longer than I cared to be, I then went up-barrel to see what a house would cost to rent in Penzance and found a two-bedroom terraced house at £850 per calendar month. Admittedly, this property, which is unfurnished, has been refurbished in a style that will be attractive to some, especially younger people (it would be interesting to see an interior photograph of this property as it was in the 1930s!), but it is still a terraced house. There is no garden, front or back, not even a few feet of owned space between the front door and the pavement. If this is unimportant to you, no sweat. What you see is what you will get.

Eight hundred and fifty pounds per calendar month for a two-bedroomed terrace house in Penzance would seem to compare favourably with the £1,152 you would need to stump up for a two-bedroom flat in one of London’s more down-market boroughs, such as Bexley, until that is you consider that the average wage in Cornwall is £28.8K¹, which is pretty piss poor compared to the national UK average salary, which is alleged to be £38.6K (2020).

But what if you are not interested in renting a property in Penzance but want to join the UK’s masses in declaring your home your castle?

Most people in the UK want to buy a property these days because even with a barely supportable 25-year mortgage and all the entrapment and misery it brings, for a while at least you can enjoy the illusion of owning your own home even if in reality it is actually owned by the bank. It is well to remember, however, that UK castles are not impervious to debt collectors, county court judgements and bailiffs, hence the small print in your mortgage contract telling you that ‘your home can be repossessed if you fail to keep up repayments on your mortgage or on a secured loan’. For those perspicacious readers, and I know that you all are, the emotive use of the word ‘home’ instead of property will not have escaped your attention.

Buying property in Penzance

To assist me in finding an Englishman’s castle, I turned again to the superior property portal that I had consulted earlier, what’s it called? Wrongun, where I found instead a flat, the main features of which were listed as a double bedroom, open-plan living room/kitchen, shower room/wc, gas-fired central heating, glazing and no onward chain.

Before we go any further just a word to the wise: When considering any house purchase or rent, learn how to translate estate-agent speak. For example, what we have here is a ‘double bedroom’ (a room into which a double bed will fit ~ usually just), an ‘open-plan living room/kitchen’ (living room and kitchen lumped together without dividing wall), ‘shower room/wc’ (a room with a toilet not big enough to get a bath into), ‘gas-fired central heating’ (good point), glazing (does that mean double-glazing or that the windows have panes of glass in them?). The last feature, ‘no onward chain’, is an important one and also a good selling/buying point.

“A property with no onward chain is one which is ready to be sold straight away. The seller will not need the funds (or proceeds of sale) from an existing sale to purchase the next property or move on. For buyers, it’s an advantageous position to be in as, by and large, it simplifies the sales process.”²

The price tag on this double-bedroomed flat in Penzance with glass in the windows and ‘no onward chain’ is a mere £100,000, and I jest not when I affirm that in this day and age this is a good price in the current UK market.

However, before you break your piggy bank, take note that the tenure of this property is ‘Leasehold’, not ‘Freehold’. What does that mean exactly? It means that if purchased you will own the property but not the building or the land on which it sits. This will be owned by a ‘freeholder’ to whom you will be expected to pay ‘ground rent’. Conversely, should you purchase a ‘freehold’ property you own both the building and the land, which is really what you want if you want to call your home a castle.

Moving on, but not necessarily swiftly, I looked next for a house as opposed to a flat in Penzance and found one which was described as being “located in an exceptional position … ” which, knowing Penzance as I do, I can assure you from the description of it, it most certainly is.

Although this house with its ‘captivating outlook’ is offered as a two-bedroomed property, the description of it suggests that it has the flexibility to be three-bedroomed, which means, I assume, that with a bit of imagination and some DIY skills alterations could be made. With this house you get great views across the bay, gardens to the front and a carport at the rear. How much? £395,000.

At first you may think that the price tag on this property owes a lot to its location in Penzance and the rejoiceful views that it offers, but a quick skim through various property portals reveal that for a two-bedroom house in Penzance £360,000 is about the average minimum price that you can expect to pay, and as most of the ads for properties in Penzance are not cast-in-stone prices but ‘offers over’, ‘offers in excess of’ or ‘guide prices’, you can expect to pay much more. Now what was the average wage in Penzance again?

We conclude, therefore, that properties in Penzance though not half as expensive as in London are, in terms of like for like, still way beyond most people’s pockets. However, if you are not most people but a well-healed high-roller, houses and flats in Penzance make good second-home investments, and high-flying executive types forced to accept distance working because of coronavirus charades could find that working and living in Penzance, with its captivating view over the bay to St Michael’s Mount, infinitely more agreeable than watching statue-molesting thugs at work somewhere in downtown London.

Council Tax in Penzance

But we have yet to mention that second mortgage, the UK’s dreaded council tax, the devious nature of which I adumbrated in my previous post. Council tax bands in Penzance compare unfavourably on an income-to-expenditure ratio to what you would pay if you lived in London. But, hey, there has to be some compensation for living in one of the world’s most rip-off capitals!

The lowest council tax you will have to pay if you live in Penzance is £1361.31, the highest £4,083.90 per year³.

As for the cost of living in Penzance, whilst nowhere in the UK is the cost of living higher than it is in London, equally nowhere in the UK is the cost of living low. Penzance located in one of England’s most desirable holiday destinations is bound to mug your wallet and having a big one to enjoy what is arguably the best coastlines, best sea views, best historical venues and best of dramatic landscapes is not a surprising contingent.

Crime in Penzance

What is surprising is that on the flip side of beauty lies dread: “Penzance is among the top 5 most dangerous small towns in Cornwall and is among the top 10 most dangerous overall out of Cornwall’s 218 towns, villages, and cities. The overall crime rate in Penzance in 2020 was 73 crimes per 1,000 people. This compares poorly to Cornwall’s overall crime rate, coming in 41% higher than the Cornwall rate of 43 per 1,000 residents. For England, Wales, and Northern Ireland as a whole, Penzance is the 177th most dangerous small town, and the 1,300th most dangerous location out of all towns, cities, and villages … The most common crimes in Penzance are violence and sexual offences⁴.” So Crimerate.co.uk tells us. But the good news is, from the same source, that “Penzance’s least common crime is bicycle theft”. So, even if you are raped, beaten to a pulp or murdered, at least you can be fairly sure that your bicycle will be safe, but I wouldn’t count on it.

As I said in my previous article, and if I forgot to, then I should have said it, the UK’s famous North-South divide is nowhere more conspicuously reflected than in the price you have to pay to put a roof over your head.

For Russians Moving to UK Towns not London: Durham

In the second part of this article, I decided to go to Durham. Why? Two reasons. First, I have always wanted to know what it was about Durham that made the singer/songwriter Roger Whittaker want to leave it so much; and second, and more to the point, it is cited on many property prices and cost-of-living websites as being the most inexpensive UK city in which to purchase property.

Durham is a cathedral city, which means that is a town that has city status because it has a cathedral. Durham is the county town of County Durham in northeast England, noted for its Romanesque cathedral, Norman castle, low-cost property and Roger Whittaker’s insistent desire to leave it, leave it, leave it … (I know he said that leaving was ‘bringing him down’ but he did not sound at all convincing!)

Apart from its university, tourism and Roger Whittaker’s song, I know very little about Durham’s employment market. They no longer mine coal thereabouts and flat caps and racing pigeons are possibly not as chic as they used to be, but I have it on good authority (our cat told me) that one of its major industries has earnt Durham the title of the ‘City of Medicine’, named such for the 300 medical and health-related organisations that thrive there. Thus, I think we can say without fear of rebuttal, not the best place to be if you live in fear of compulsory vaccination but a tremendous city to live in should you want to get out on the streets to protest against the iniquity of vaccination totalitarianism.

But first you will need to live somewhere. According to the property and estate agents sites that I visited, the average house price in Durham is £174,841 as of August 2021. Flats sold for an average of £157,792 and terraced houses for significantly less, at an average of £135,425. But let us take a closer look.

Renting property in Durham

For some reason, the rental market in Durham is not particularly cheap. Our old friend Arightbigportal reveals that two-bedroom apartments (which means flats) are priced at £700 per calendar month. The one that I looked at online was, admittedly, ultra-modern and fully furnished to boot.

However, perhaps a better deal is the three-bedroom semi-detached house that I discovered on the same site. It is a modern gaff with a rental price of £575 per calendar month. Now, that’s more like it!

Well, it would be, until you consider these gloomy statistics provided by Payscale.com⁵. The average salary in Durham UK is £26K. Not as much as Bill Gates earns in his lunchbreak? But wait, there is more: “Trends in wages decreased by -100.0 percent in Q2 2021. The cost of living in Durham, England: Durham is 100 percent higher than the national average.” Gulp!

Buying property in Durham

Buying a castle in Durham, even a one-bedroom castle, does not bode well for those who have to subsist on the average Durham salary, but at least in Durham one can cut one’s coat according to one’s cloth. In other words, property type and prices vary and those variations are quite broad. An internet search revealed that one-bedroomed flats can be purchased between £65,000 and £85,000 and that there was a smattering of two-bedroom flats from £80,000 to £115,000.

Two-bedroom mid-terrace houses have an asking price of £140,000~£150,000, with the magic qualifier ‘offers in the region of’ (so, hows about £140,000.01?), rising to £250,000 depending on property type, ie Victorian, and area.

Things are better in the semi-detached bracket provided you have no objections to a modern housing estate. Here, you can pick something up ~ I mean a property ~ for less than £120,000.

Council Tax in Durham

You might be tempted to believe that given Durham’s ‘up North’ location that the one prime advantage of living there would be a relatively low council tax. Thing again, sucker!

Durham’s Band A council tax, the lowest band, is £1360.91 and its Band H, the highest (‘H’ for high, you see they are clever are British councils), is £4082.74⁷, which means if you move from Penzance to Durham, travelling, for example, on your unstolen bicycle, you could end up saving yourself 40 pence at the lower band and £1.16 at the higher. ‘That’s it!’ I hear you cry, ‘Durham here we come!’

The price differential between any property type in Durham compared to similar property in London is as striking as the difference between respect and social cohesion in 1930s’ England and what there isn’t today, but this ‘advantage’ has to be weighed against Durham’s abysmal wage packets and what about its quality of life?

Crime in Durham

Apart from the insecurity of living there if you are not on better wages than the ones they pay in Durham, how does Durham shape up in the national crime stats? Allegedly, when compared to the national crime rate, Durham county’s crime rate comes in at a depressing 115%⁶.

And there’s more: “Most crimes, 39.5k crimes were violent crimes which is 33.3% of all crimes committed in the area. Violent crime rate is at 142% of national crime rate. Public order crime was the fastest growing crime and it increased by 12.5% over the last twelve months⁶.”

Little wonder then that the healthcare and medicines industry is a thriving concern in Durham.

Conclusion

In compiling this article, I obviously appreciate that the number of Russians hungry to live in Penzance and/or Durham might not be incredibly high. London with all its intrinsic peril and high-octane Woke has a great deal more to offer in every capacity than small regional towns and small cathedral cities and that ‘more’, most essentially, also includes job diversification and higher earnings opportunities, not to mention a ‘vibrant’ culture, albeit a rather dangerous one, and the kind of teaming nightlife that you’ll never be able to ever afford because of the cost of your rent or mortgage.

For those of you who are mega-wealthy or have a secure and reliable well-paid job, preferably working from home, the likes of Penzance or Durham may be a marriage made in Heaven ~ or somewhere. Otherwise, it’s sea fishing and amusement arcade operatives in UK coastal towns or in Durham, for example, NHS workers or prison officers.

At least we now know why Roger Whittaker left. He most likely left Penzance as well? And on the evidence of his most excellent intuition would most certainly have thought about leaving London before he ever went there.

Where do you want to leave? In considering life in the UK, you’ll never run out of places to choose from.

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References

1. https://www.plumplot.co.uk/Cornwall-salary-and-unemployment.html [accessed 3 August 2021]

2. https://www.propertysolvers.co.uk/blog/no-onward-chain/ [accessed 6 August 2021]

3. https://www.cornwall.gov.uk/council-tax/your-council-tax-bill/council-tax-2021/council-tax-bands-2021/ [accessed 6 August 2021]

4. https://crimerate.co.uk/cornwall/penzance [accessed 7 August 2021]

5. www.Payscale.com [accessed 7 August 2021]

6. https://www.plumplot.co.uk/Durham-county-burglary-crime-statistics.html [accessed 8 August 2021]

7. https://www.durham.gov.uk/media/35025/Your-guide-to-council-tax-2021-2022/pdf/CouncilTaxInfo2122.pdf?m=637504513198730000 [accessed 8 August 2021]

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Image attributes

Feature image, This Way, That Way signpost: ArtsyBee, OpenClipart (https://freesvg.org/signpost-crossroads)

Map of Cornwall: www.demis.nl (https://commons.wikimedia.org/wiki/File:Map_of_Cornwall.png)

Land’s End signpost: Andrew Poynton from Pixabay (https://pixabay.com/photos/lands-end-cornwall-tourism-1709712/)

Boats in harbour Penzance: penofpaul from Pixabay (https://pixabay.com/photos/penzance-moody-cornwall-marazion-4285307/)

Dracula: Openclipart (https://publicdomainvectors.org/en/free-clipart/Vector-clip-art-of-smiling-vampire-guy/30539.html)

Gangster: Openclipart (https://publicdomainvectors.org/en/free-clipart/Gunman-with-Thompson-rifle/87968.html)

Injured man: Openclipart (https://publicdomainvectors.org/en/free-clipart/Sad-man-with-broken-leg-vector-illustration/26721.html)

Russians Moving to London: Costs

Don’t forget your Money Tree

Updated: 12 March 2022 | Published: 23 October 2020

Part 3

Part 1: A warning to the Curious
Part 2: How it was for us …

UNLESS you are a Russian oligarch, and reading this humble blog you most likely are not, moving to the UK is not a decision that should be taken lightly*. As with emigrating anywhere, there is a number of important considerations to chew over, especially with regard to where you would want to live, where you can afford to live, and where you can afford to live and most definitely would not want to live unless you are very adventurous or there is something wrong with your head.

In this article, we will focus purely on where you most likely want to live and the cost of living there.

Russians Moving to London: Costs / Jump to Section

All roads lead to London
Renting property in London
Buying a property in London
London council tax
Utility bills & living expenses
Cost of travel around London
How much do I need to earn to live in London?

All roads lead to London

Most Russians, when moving to the UK, understandably head for London for three reasons: it is where the money is, the action is and it is probably the only place in the UK that you know very much about.

Let us assume then that the majority of you who are heading to the UK optionally will invariably have your sites fixed on London, unless, of course, you are being sent to the UK on a company relocation scheme, in which case the choice may not be yours.

For the sake of argument, this article will suppose the former, that you are moving on your own volition, are in it for the money and that as you know little or nothing about the UK, London is your destination: you know that the Queen lives there, that the buses are red, the cabs black and that there is an awful lot of nightlife in the West End.

What you are probably not aware of is that London, albeit the capital city of the UK, the seat of government and centre of finance, is, in terms of attitudes, political prejudices, behaviour and mindset, the least representative place of the UK as a whole. In fact, London, economically, socio-politically and demographically, is so removed and distant from the rest of the UK that if it took off tomorrow and landed somewhere on Mars, not a lot of people would be surprised and some might not even miss it.

As the celebrated English comedian John Cleese stated, London is no longer an English city. It is claimed that white ethnic Britain’s are now a minority ethnic group in London. The division is reinforced further when you consider the fact that most London boroughs voted to remain in the EU in contradiction of the socio-political bias of the rest of the country, which mostly ran in favour of Brexit.

All things considered, the best way to consider London in its relationship to England and the UK in general is as a state within a state.

It thus follows that your experience of UK life, of living in London, will be an entirely different one than if you were to reside, say, in Scunthorpe. Where? Precisely!

Thus, for the purpose of this article, I have intentionally dealt with London and England as two separate entities. Why? Because they are.

I have also narrowed the geographical scope to include only London and England, as I have never been to Ireland, visited Scotland once on a flying visit and know very little of Wales, except for its shape on the map. So, let’s stick to what we know.

Russians Moving to London: Costs ~ Money

In this post we will consider that all important criterion, ‘Money’, taking into account the cost of renting or buying a flat/house and the cost of living when living in the capital, and how much you will need to earn to live comfortably. I know that there are guides out there, viz ‘How to holiday/live in London on a budget’. Forget them. If you are visiting London and, more importantly, planning to live and work there, you will want to enjoy the experience, and for this you will need money. If you want England on a budget, forget London and try somewhere else, like Wellingborough instead.

By far the greatest drain on your financial resources on moving to London will be the cost of accommodation. Is it expensive? No. It is extortionate. Whether renting or buying, you can expect to rob yourself of at least one-third of your monthly wage just in providing yourself with a roof over your head.

Let’s look at renting first, and some of those jolly statistics.

Russians Moving to London: Costs ~ Renting property in London

The amount you are willing to spend, or can afford to spend on renting, will determine the nature of the accommodation you rent and its location. Obviously, the financial outlay for a bedsit (everything sandwiched into one room), a house share (who’s nicked my milk from the fridge?), a self-contained flat or a whole house to yourself will attract different tariffs, as will where you live, ie renting a self-contained flat in the City will cost significantly more than, say, one in Brixton (you hope!).

Before starting out, remember that in addition to one month’s rent in advance and a whacking great deposit, you are going to need references, usually at least a character reference, ie from someone senior in the company where you work and from your bank.

Invostepedia.com¹, states that “Housing costs are normally one of, if not the, largest expense in any budget. This is particularly true in London.”

It goes on to exemplify that a two-bedroom flat in the centre of London will set you back, on average, $2500 per month. The article is obviously addressing the American market, but at the time of writing this translates into approximately £1940, give or take a few pence. The same article goes on to say that outside of the centre, the cost of accommodation falls, and uses the expression to as “low as $1,400 dollars per month” ~ which in my book is still a substantially high £1083 per month ~ remember, we are talking about a two-bedroom flat, not a family residence.

Metro.co.uk²tells us that the cheapest average rent to be found is in the Upper Edmonton district, and says that in the second quarter of 2020 the average rent was £538 a month. Now, at first sight, this seems to fare well with rented accommodation in other parts of the UK, until you read on and find that for £538 a month you get a room in a shared house (please, turn that music down!!)

The same article cites the St Paul’s area (EC4) as being the most expensive to rent at £1,316 per month, followed by South Kensington/Knightsbridge at £1,110 per month. How’s that for a room in a shared house! What did you say, where is Wellingborough? Don’t ask, or I might just tell you!

So, what will it cost you to rent a two-bedroom flat in the cheapest part of London ~ let’s forget about Knightsbridge!

According to comparemymove.com³you can rent yourself a two-bedroom flat in Bexley for £1,152 a month.

So what is Bexley like. According to finder.com⁴“The borough with the second-highest crime rate increase is Bexley, with an average increase of 7% over the last six years. Despite the increase in the number of crimes, Bexley still has a low number of crimes compared to other boroughs.” [article updated Aug 18, 2020]

Make of that what you will, but, from a purely economic point of view, remember that high-crime rates areas are reflected in the price for home insurance.

Thus, the cost of the area in which you choose or, indeed, can afford to live should not only be measured in £££s. The website ilivehere.co.uk⁵ has this to say about Bexley: “There were a total of 319 street level crime incidents in Bexley in August 2020. The largest category was Anti-Social Behaviour, followed by Violent Crime.”

So much for renting a flat in London. What about buying a home?

Russians Moving to London: Costs ~ Buying a property in London

The most desirable, and therefore the most expensive, boroughs in London are continually cited as Kensington and Chelsea, Westminster and Camden. Kensington and Chelsea appear to be in the lead as a place where most people cannot afford to live, with the price of an average home now in excess of £1.5 million⁶.

Conversely, the cheapest borough in London is said to be Woolwich, with the average price of a house around £322, 000⁷. (Presumably a three-bedroom house?)⁷.

What’s Woolwich like? I could tell you, as I lived nearby when I first moved to London, but that was quite some time ago ~ perhaps it has improved?

If you are looking to buy a house in London on a mortgage basis, which you would only be able to do after a rigorous assessment of your means to support that mortgage, including your credit rating, how much cash will you have to put down?

The lowest down-payment that you can expect to make is 5% of the mortgage loan, but 15% is considered to be a more reasonable figure. The simplest way of approaching the issue is to bear in mind that the larger the deposit you are able to afford the more certain you can be of obtaining a mortgage and the more favourable the interest rates will be⁸.

There are various ‘schemes’ to assist you in purchasing a home in London, such as the appropriately named London Help to Buy scheme, Shared Ownership, Rent to Buy, First Dibs for Londoners and the Starter Homes Initiative. But in the end, it all comes down to £££££££. This article by which.co.uk⁹ should either help you or help to put you off. In here, you will also learn about the option and pitfalls of buying a property not too far from London and commuting into the city each day. The upside is that you will get more property for your money and the mortgage is likely to be significantly less; and the downside? Any advantages that you are likely to accrue from a lower property purchase price, and therefore a lower mortgage, will, given the inflated cost of rail travel, be lost on your monthly travel fare. Drive into London? Only if you are a stress junky, like sitting in traffic and have no qualms about paying for those out-of-this-world parking fees, oh, and don’t forget the congestion charges!

For the time being, however, let us hypothesise that you have found a place to call home, have stumped up the down-payment and acquired a mortgage. The next thing on the money hit list is council tax.

Russians Moving to London: Costs ~ London council tax

Council tax is a tax levied on domestic property, in other words a tax on your home (and any other domestic properties that you may own). It is demanded by and paid to your local council, the administrative body for the area where your property is located. It is said that the revenue collected, which is paid to the council in monthly instalments, usually spread over a 10-month period for each year, is used to finance local services, such as schools, rubbish collection, road maintenance, street lighting and so on. That is all well and good, but rent and mortgage payments aside, or included, council tax takes a not inconsiderable chunk out of your monthly pay packet.

In London, every property is allocated a council tax band according to the property’s capital value. There are 8 bands in all, identified alphabetically from A to H, with ‘A’ being the lowest rated band and ‘H’ the highest.

In Barking and Dagenham, for example, if your property is valued as falling within the ‘A’ band, you can expect to pay £1,077.91 a year, and if it should fall in the ‘H’ band, a whopping great £3,233.74 a year^10,11.

By comparison, in the borough of Kensington and Chelsea, if your property has been evaluated as a Band A property, you will be charged £824.55 a year and for Band H, 2,473.76 per year^¹².

But, wait a moment, isn’t Kensington & Chelsea supposed to be one of the most expensive boroughs in London in which to buy and rent a property? Yes. You’ve tumbled it ~ council tax just does not make sense. To understand it properly, you need to know all about ‘stealth taxes’¹³?

The irony is, of course, that if your property falls into Band H in Kensington and Chelsea, your £2,473.76 charge is not likely to worry you too much, as you would not be living there if you did not have the means to do so, whereas the £3,233.74 for a Band H property in Barking and Dagenham would no doubt be seen as an horrendous expense, wherever you live ~ never mind Barking and Dagenham!

Suspect you are being ripped off? Take heart, it’s the name of the boat we all are in.

If you think this ‘extra mortgage’ is bad, don’t ~ it gets worse. Next on the wage-packet mugging list comes your monthly or quarterly utility bills.

Russians Moving to London: Costs ~ Utility bills & living expenses

According to bystored.com, the average monthly cost for gas, electricity and water is about £160, so £1920 a year¹⁴. If you need Wi-Fi, then you should factor in an additional £20–£40 per month. In fact, utility bills are quite competitive in London compared to other areas in the UK ~ which is a blessing, because in some areas they are crippling.

And now we come to the nitty-gritty: everyday living expenses.

How much will I spend each month whilst living in London on everyday necessities, such as food and little luxuries, that is on going out for a drink or a meal? How long is a piece of string?

However long that piece of string is, you do not want to throttle yourself with it. Your monthly expenditure all depends, of course, on your habits and expectations. How much you eat, where you eat, how much booze you put away, do you like to go clubbing or are you a sit at home type ~ which you might have to be, if you have not got the ackers!

There are many websites out there that will give you a blow-by-blow account of how much specific things cost, from food prices to entertainment, two of which you will find in the reference section at the end of this article. And although London is one of the most extortionate cities in the world today, like anywhere else, you can budget yourself.

But, to give you a taster, so to speak, let us confront the most important things first. The average price of a pint of beer in a public house in London is around £4.60, but beware! ~ in some swanky eating and drinking places you can get really ripped off and pay as much as £22 a pint!

Russians Moving to London: Costs ~ Cost of travel around London

One of the greatest drains on your everyday resources is the dreaded cost of travel. Driving around London is a mugs game. You simply cannot get anywhere quickly and the difficulty of finding convenient parking is as ridiculous as the cost. Oh, and do not forget that nice Mr Sadiq Khan’s save-the-planet congestion charges!

It is generally agreed that the cheapest way to zip around London is to purchase an Oyster card. This will allow you to keep costs down at the same time as giving you travel access to all parts of London, whether you are travelling on the Underground, using the Docklands Light Railway (DLR), by overground rail, some river boats and on London’s buses.

To give you some idea of what you will have to fork out for an Oyster card covering Zones 1–6 in London that can be used at any time, it will cost you £12.80 per day¹⁵.

How much do I need to earn to live in London?

So, in conclusion, the all-important question is, how much do you need to earn before tax to live comfortably in London? If you trawl the internet on the basis of this question you will find the accumulative answer to be about £50,000 a year before tax. Of course, the definition of ‘living comfortably’ is a subjective one, and at the end of the day ~ at the end of everyday ~ it all depends upon what you call living and the lifestyle you aspire to.

Summary about cost of living in London, United Kingdom:
Source of data highlighted below: https://www.numbeo.com/cost-of-living/in/London {acessed: 23/10/2020}

Four-person family monthly costs: 295,573.04руб (2,975.49£) without rent (using our estimator).
A single person monthly costs: 83,347.81руб (839.05£) without rent.
Cost of living index in London is 173.46% higher than in Kaliningrad.
Rent in London is, on average, 899.30% higher than in Kaliningrad.
Cost of living rank 41^st out of 573 cities in the world.
London has a cost of living index of 82.60.

*I should not have to say it, but I will. This series of articles is based upon the ever diminishing hope that some day soon our Covid-infected world will assume some sort of acceptable normalcy. Obviously, given the catastrophic Covid situation in London, and the UK in general, at the time of writing, any right-minded person would be better off avoiding it. For the time being, Robinson Crusoe and the lonely guy orbiting the Earth in a space station would seem to have it all! But, as they say, Hope dies last!

Stay tuned for my next post on moving to the UK, as distinct from moving to London.

References [Accessed: 23/10/2020]
1. https://www.investopedia.com/articles/personal-finance/091415/how-much-money-do-you-need-live-london.asp

2. https://metro.co.uk/2020/07/18/are-cheapest-places-rent-london-right-now-13006929/

3. https://www.comparemymove.com/blog/your-move/cheapest-areas-to-rent-in-london

4. https://www.finder.com/uk/london-crime-statistics#:~:text=Despite%20the%20increase%20in%20the,of%20all%20the%20London%20boroughs.

5. https://www.ilivehere.co.uk/crime-statistics-kent-bexley.html#:~:text=Crime%20Statistics%20for%20Bexley%2C%20London%2C%20Kent%2C%20August%202020&text=In%20by%20far%20the%20majority,Behaviour%2C%20followed%20by%20Violent%20Crime.

6. https://www.kubie-gold.co.uk/local-area/londons-most-expensive-boroughs/#:~:text=The%20three%20most%20expensive%20boroughs,just%20over%20%C2%A31.5%20million.

7. https://www.express.co.uk/life-style/property/1252543/property-top-cheapest-boroughs-london-buy-rent

8. https://metro.co.uk/2020/02/10/how-much-money-actually-need-buy-house-uk-12174301/

9. https://www.which.co.uk/money/mortgages-and-property/first-time-buyers/buying-a-home/buying-a-house-or-flat-in-london-arf8g3r8sxpp

10. https://www.kfh.co.uk/london/council-tax

11. https://www.kfh.co.uk/east-london/barking-dagenham-london-borough/council-tax

12. https://www.kfh.co.uk/west-london/kensington-and-chelsea-london-borough/council-tax

13. https://www.mindtheflat.co.uk/london-facts/what-is-the-logic-behind-london-council-tax/

14. https://www.bystored.com/blog/cost-of-living-in-london#4

15. London Travelcard Prices and Types (londonpass.com)

Additional references
Comprehensive tabulated data on cost of living in London. No publishing date, but it appears to be current! [accessed: 23/10/2020]
https://www.numbeo.com/cost-of-living/in/London

A comprehensive section-by-section breakdown of the cost of living in London. (published: 20 January 2020) [accessed: 23/10/2020]
https://www.bystored.com/blog/cost-of-living-in-london

Advice for Russians Moving to the UK

How it was for us …

Updated: 12 March 2022 | Published 29 September 2020

Part 2

Part 1: A warning to the Curious

It is not easy for Russians to emigrate to the UK, although it has been cynically suggested that possession of an extremely large bank account might go some way to oiling the wheels. Failing that, you could always apply the right shade of make-up, throw away identification and thumb a lift on one of those little boats that roll daily into Dover. However, if you are not into making things up and have no desire to be treated as a VIP, you could always try the normal route, which is? At the end of this article, you will find a reference section containing a list of UK Government websites outlining the daunting process which you must undergo should you wish to enter the UK, apply for Leave to Remain and possibly later citizenship.

Not that I am trying to put you off or anything, but the following account is taken from my diary. It is a personal record of what we had to go through, my wife and I, in order for her to live with me in the UK. Admittedly, all this took place a long time ago, back in 2000/2001, but I have no doubt that the process today is no less turgid, complex and frustrating.

Advice for Russians moving to the UK

As outlined in my first post I met my wife to be, Olga, when, as an English language teacher, she brought a group of Russian students to London for a month’s cultural visit.

I visited Olga in Russia, Kaliningrad, during the Christmas holidays and New Year celebrations at the end of 2000, and I returned to Kaliningrad again in 2001, staying twice for a month at a time.

Although we had no way of knowing if Olga would be granted a UK visa enabling her to join me in England, we decided to get married, and were married on 31 August 2001, first at the Orthodox Christian church in Svetlogorsk, and then, on the same day, at the state registry office in Kaliningrad.

A few days later we separated, and I returned to the UK to prepare for my interview at the British Embassy in Moscow, where I would have to go in order to obtain a British visa for my wife.

For Olga this meant a long train journey from Kaliningrad to Moscow; for me, it meant flying back to Russia about two weeks after returning to England.

Advice for Russians moving to the UK

From the time we decided to wed until mid-September 2001, I had spent six months or more compiling a dossier on Olga and myself which I would need to present to the British authorities in Moscow as proof that our relationship was ‘kosher’, in other words that our marriage was legit and not an arranged immigration scam.

As well as the official bumph, for help on which I had engaged the services of an immigration solicitor, it was necessary to include documents and evidence of a more personal nature, such as photographs of us together on outings and social occasions with family and friends, as well as copies of our private correspondence. It was a labour-intensive, costly and time-consuming task, and once completed the documents assembled easily filled one of those large Lever Arch files.

On my flight to Moscow, I could not resist comparing my situation with the thousands of so-called asylum seekers that Tony Blair & Co were importing into the UK on an almost daily basis. The irony was inescapable. Here was I, a British citizen, my English lineage stretching back over hundreds of years, having to go cap in hand to the British Embassy in Moscow to beg them to allow my wife to join me in England, whilst immigrants from every corner of the globe were being shipped in wholesale to shore up Tony’s indigenous electoral base, which was destined to collapse once the Socialist faithful tumbled that New Labour was in fact nothing to do with old Labour at all. The irony made me smile. I felt that I had been left on the shelf to make way for Labour’s ‘Buy into it now and get another thousand free’ policy.

Notwithstanding, I made the most of my time in Moscow. I had never been to Russia’s capital city, and I had furnished myself with the luxury of taking a few days off from work to ‘see the sites’ and recuperate once the ordeal was over.

It was an ordeal, make no mistake of that, but, like most things in life, it had its satirical moments.

We arrived at the British Embassy in Moscow at the appointed time. Outside and inside the doorway there was a group of Asian-looking fellows being corralled by three or four military-looking personnel touting automatic weapons. I rather stood out from the crowd as I was wearing a blue suit with a needle-point pinstripe and carrying a black briefcase. One of the soldiers, espying me at the back of the horde, came forward and asked, “Can I help you?” I showed him my British passport and explained that I had an appointment at 4 o’clock. He must have presumed that I was some sort of official diplomat or other, for he and his colleagues suddenly became extremely polite. A route was cleared for us through the crowd and, with a cheery and civil “Come this way, sir”, we were taken past the stairway, shown into a lift and saluted most decorously as we took off.

Well, you know what they say ~ every dog must have its day!

It was a different kettle of bureaucratic fish when we arrived in the vast open-plan waiting room upstairs. Once we had ‘booked in’, we were sat there for one hour before our interview and almost one hour afterwards. As with all bureaucratic institutions, making the public wait seems to be de rigueur. Admittedly, this protraction gave us plenty of time in which to get our story straight. What I mean by that is that we had been alerted to the fact that it was standard practice for the Embassy authorities at some point in the interview to split couples up, and whilst one person went back to the waiting area, the remaining person would be asked various personal questions about the other. Then, the role was reversed: the waiting person would be wheeled in and asked the same questions about himself or herself to see if the answers tallied.

You are no doubt familiar with the axiom that ‘it is the waiting that is the worst’, and our two hours waiting at the British Embassy proved the rule not the exception.

Down one side of the waiting area there was a series of doors leading to the interview rooms. The appointments worked on a numeric system, in other words you were issued with a ticket with a number on it and when your number was up ~ so to speak ~ as shown on the electronic indicator boards, off you not so merrily went.

During our wait, we saw several people enter the rooms. I am not sure whether they went in merrily, but what I can say categorically is that most of them came out looking anything but: at least one woman came out in tears and another looking distraught.

It was something akin to being at the dentists, with the patients ahead of you screaming whilst you nervously waited your turn

And then, suddenly, just when we had begun to suspect that they had forgotten us, it was our turn!

The little interrogation, sorry, interview room, could just about hold three people; there were four in ours ~ us and two interviewers ~ a man and woman. It was terribly claustrophobic.

Having witnessed the condition of interviewees prior to ourselves we were both ready for the third degree, but it never happened. From the moment we entered the room to the moment we left, the interviewers, contrary to our expectations, were the epitome of good humour, even joining in with and complementing my quips ~ which, I instinctively knew, I should not be indulging. There were formalities, with regard to the visa application and checking of sundry documents, but my Lever Arch file, so painstakingly compiled, hardly received a glance, and I was rather put out that they did not want to scrutinise it.

The questions that they asked each of us about each other individually were also taken in good part and raised a few laughs in the process.

At the end of the interview, we were not exactly told that Olga’s visa would be granted, but we were confident that things had gone well and reassured that we were on the right track from the advice that we were given on what we could expect officially when Olga arrived in the UK.

Whilst our visas application story has a happy ending, contrary to popular belief legal entry into and settlement in the UK is by no means guaranteed, and I cannot emphasise enough the need for assiduous preparation and the importance of taking legal advice.

In fairness, the UK is not alone in this: there are very few countries where legal entry with intention to remain is not onerous; it has certainly been no cakewalk for me moving to Kaliningrad, but like everything else in life, you must do your homework first.

In my follow-up article I will try not to deter you even more by outlining how much it costs to live in the UK ~ in London in particular ~ how much you need to earn to live, where your money will go and how fast your money will go.

Advice for Russians Moving to the UK ~ Approved! — **

UK Immigration References

Find out if you can apply to settle in the UK
https://www.gov.uk/settle-in-the-uk [Accessed 29 September 2020]

Settle in the UK as the partner of a person, or parent of a child, who is in the UK and settled here: form SET(M)
https://www.gov.uk/government/publications/application-to-settle-in-the-uk-form-setm [Accessed 29 September 2020]

UK visa and immigration application forms
https://www.gov.uk/government/collections/uk-visa-forms [Accessed 29 September 2020]

Getting a visa for your partner to live in the UK
https://www.citizensadvice.org.uk/immigration/visas-family-and-friends/getting-a-visa-for-your-partner-to-live-in-the-uk/ [Accessed 29 September 2020]

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**(Photo credit: mstlion / pixabay.com; https://www.freeimg.net/photo/835951/approved-stamp-stampapproved-symbol)