Moving to London for a Tech Job: Mahdi's Relocation Story

Visas for relocation to the UK

As Mahdi mentioned, one of the requirements for a Skilled Worker visa is having a job offer in hand from an approved UK employer. Visit this link for a list of organisations that are licensed to sponsor workers for this visa. Use the search feature to see whether your target company is on the list and if they can support your move to London from India or any other country.

What relocation assistance did you get from your employer?

My employer covered all of my visa expenses, as well as my flight. I had to find a flat here in London on my own.

How long did it take to actually move after you accepted the job offer?

It was about three months. I could have moved sooner, but I had some things I needed to wrap up in my home country first.

How difficult is it to find an apartment for rent in London? Are most rentals furnished or unfurnished?

It can be a bit difficult, since Greater London is a big area, and flats in central London are really expensive. When you don't know what areas in Greater London to look in, and you're trying to be close to a good school, or anything else you're looking for, it can be frustrating. I ended up with an unfurnished flat, but there were also furnished ones available.

What are the best websites for finding rental properties in London?

The easiest way to find a place in London is with online portals like Rightmove or Zoopla. It's all dependent on your budget and where you want to live. There are nine zones in London that go in concentric circles, getting further from central London. The closer to Zone 1 (central London) you want to be, the more you'll have to spend. It can be a bit overwhelming, but once you know what area you're interested in, it's easier to narrow it down, and those online portals are definitely helpful for searches.

Once you find a place, contact the local council authority to let them know your new address, and they'll issue a council tax bill, which you can use as proof of address. I was also required to notify the police of my change of address within seven days of my move. However, this step is no longer needed. The police registration scheme ended in August 2022, so you won’t have to do that.

Renting properties in London and England

Finding a property to rent in England is pretty much the same across the country. While it is possible to rent directly through landlords, many prefer to use a third party as a middle-man of sorts.

There are a few things to be aware of when renting in London. The first is that most properties will require a security deposit upfront. This will typically be 4–5 weeks' rent and legally cannot exceed five weeks' rent (unless the annual rent exceeds £50,000). These deposits are usually returned at the end of the tenancy, providing the property is in acceptable condition.

On top of the 4–5 weeks' deposit, the landlord will likely expect the first month's rent upfront as well, though some may even want two months' rent!

After the initial deposit and rent payments are sorted, it will just be a monthly payment of the agreed-upon amount. Depending on the tenancy agreement, this will either continue for the contracted period (typically 6–12 months) though some operate on a rolling basis.

These rolling contracts usually have a minimum term of about six months and then just continue on a monthly basis until notice is handed in or another circumstance requires tenants to move out. And just about every contract has a minimum of one month's notice if the tenant intends to leave the property (unless otherwise stated in the contract!).

When it comes to finding the right property, London boasts a variety of furnished and unfurnished properties. Even unfurnished properties may include curtains, white goods (i.e., fridge, freezer, oven, etc.) and sometimes sofas and beds.

So it’s incredibly important to clarify what furniture comes with the flat before signing the tenancy agreement.

How much does it cost to rent an apartment and cover utilities in London? Numbeo puts the average cost of rent for a one-bedroom apartment in downtown London at £2,200.

That sounds about right for central London. It gets more affordable if you go elsewhere in Greater London. By the time I moved, I was able to find a two-bedroom flat for under £1,300, and it costs around £150 for council tax, £80 for utilities, £30 for Internet, and £25 for mobile. But prices in the UK have risen significantly in recent years. According to Numbeo, people pay around £275 for utilities in London now.

The cost of living in London

The cost of living in London greatly reflects why the city has higher wages. Being the capital of England, London's properties often have a higher price tag, regardless of whether they are being rented or bought. That being said, the cost of living will vary depending on the area or borough you choose.

The more expensive areas, such as Kensington, Mayfair or Chelsea, can easily set renters back £3,000–£5,000+ a month, and that is before any other bills such as utilities, internet or groceries have been paid. This is partly due to the properties themselves and other factors like their central location within the city.

However, if longer commutes are okay, there are cheaper areas, such as the London Borough of Bexley, where properties can be found with rents closer to £1,500.

After rent, there are the general bills. The three main utilities which British households use are;

• Water: the average water bill is about £35 per calendar month.
• Electricity: an average of £56 per calendar month, but this can easily be more or less expensive depending on how many electronic devices are in the property.
• Gas: gas will cost about £65 per calendar month.

Most energy companies will charge the gas and electric bills together but break them down separately. (E.g., the bill will be charged as £100, but itemised as £60 electric and £40 gas). It is also quite easy to reduce the cost of these bills by making small changes.

For example, some houses offer a central heating system that uses gas to warm the home. By opting for warmer clothes and turning the heating off, it is possible to lower this cost.

Then there are internet costs which, according to Numbeo, average £30 per month. In England, most broadband providers also offer various cable TV packages; these will bump up the bill, though!

In England, there is also a charge known as a TV licence which is just over £12 a month, and anyone with access to live TV or the BBC and its channels is required to pay by law.

You can easily compare different UK broadband and TV providers, gas and electricity suppliers, mobile phone deals, and more by using sites like Uswitch.com. 

As for groceries, the average food bill costs around £250–£300 per person per month, which is pretty standard across England and depends more on personal shopping habits than the area in which a person lives.

Explore different UK cities →

What's the average software developer salary in London?

Software engineer salaries are usually above £50,000, which is good. But, of course, it depends on your seniority level and the coding language used.

What percentage of your salary goes to taxes?

Around 25% for those with an average income (around £33,000–£50,000 per year). Those with very high salaries will pay a higher percentage due to the higher income tax bracket (40% or 45%). Their combined tax burden could be well above 30%.

Taxation in England

In England, higher salaries will mean higher tax rates.

Of the various types of tax the British pay, the largest by far is income tax. This is money that is deducted from a person's pay cheque by “Her Majesty's Revenue and Customs” (commonly known as HMRC) before it even hits their bank account. This total is worked out by taking a percentage of your salary or predicted earnings, depending on which tax bracket they fall in.

England's tax brackets can be slightly confusing; most people are given a “tax-free allowance” of about £12,570. Though the amount may differ on an individual basis, the concept surrounding it is the same; there is no tax paid on the first £12,570 (or whatever the amount of the personal allowance is).

After the personal allowance, workers are expected to pay 20% on anything earned up to £50,270. This then increases to 40% on any income between £50,270 and £125,140. And if you are lucky enough to earn over £125,140, you would pay 45% in tax.

So applying this to the average software developer salary in London provided by Indeed—£62,058 per year—income tax would look something like so;

• 0% on the first £12,570
• 20% (£7,540) on the next £37,700
• 40% (£4,715) on the next £11,788

The government has made it easy for you to try and work out your income tax by offering an income tax calculator. And here's one more easy-to-use calculator to quickly estimate your after-tax pay cheque in the UK.

Another form of tax that UK residents are charged is National Insurance. This is what funds the UK's health system known as the NHS (which is discussed further on!). Similarly to income tax, this payment is taken out before you receive your pay cheque and varies depending on how much you earn.

National insurance is charged at 12% on earnings between £184.01 and £967 (per week). And then earnings of £967.01 or more a week are charged at 2%. As of April 6, 2024, the main rate of National Insurance for employees is 10%, not 12%.

The last form of tax people living in the UK pay is council tax. This is a monthly bill paid to the local councils. Council tax funds any local renovations, projects, rubbish collections, etc.

How much council tax a person pays depends entirely on the property they live in. In London, this can range from a few hundred pounds per month to over £1,000, depending on the property and the area. If you head over to the UK's government website, you can find a calculator to determine approximately how much the council tax will be.

England also has a few other types of tax which people pay, such as;

• Consumers tax (VAT): this is typically included in the total cost of items. It is usually stated whether VAT is excluded from the price, so you will know before reaching the checkout!
• Excise duties on alcohol and tobacco.
• Vehicle tax: all cars in the UK must be taxed, insured and MOT’d in order to be road legal.
• Corporation tax: charged on company profit.
• Stamp duties: tax when buying houses or shares.

The last two may be less applicable to most people, especially when first relocating to England. However, they are still good to be aware of, especially if you intend to start your own business or buy a house in the future!

Get an idea of what your net salary in London would be like using this net pay calculator →

Can you tell us a bit about public transportation in the UK?

Well, I live and work in London, so that's really the only information I can share. In London, there are buses, underground and overground, trains, ferries, and more. The best way to pay for public transportation is to get an Oyster card and top it up whenever you need to. You can also use a contactless debit card or credit card, and the rates are the same. The buses are the cheapest, but they're also affected by traffic, which can be quite bad sometimes, so it's slower than the tube or trains.

One way to save some money on a daily commute between two zones of London is with a seasonal Travelcard.

You can also take the famous black cabs, and apps like Uber, Gett, or Kapten are also available.

London has nine zones that are concentric circles expanding from central London outwards.

Google Maps and Citymapper are helpful for finding routes, and you can also get updated information about the schedules on your phone.

London is also bike-friendly, and you can rent a bike or scooter from different services (e.g., Lime or Santander Cycles).

This website offers a comprehensive guide to getting around London.

How difficult is it to open a bank account in the UK?

You'll need proof of address as well as the usual ID documents that banks typically ask for. Bank statements usually count as proof of address, but of course, if it's your first account thereafter relocating, that won't work! The address requirement means that you'll need to be established in your house or flat, so if you're not settled yet, it can be tricky. My solution was using Monzo, an electronic bank without any physical branches. You can apply online. You'll still need a UK address along with your ID, but you don't need the kind of bill that comes to your permanent residence, so you can use a friend's place or your temporary residence. You can also get a debit card within the week.

In this article I've put together everything you need to know about the UK credit scoring system.

You've been living in the United Kingdom for over a year and a half now. Do you have access to National Health System (NHS) services?

Yes, when you apply for a visa, you pay NHS fees, so you have access to all the same services as a citizen, from the very first day that you arrive in the UK.

You can read more about healthcare in the UK in this guide.

England is known for rainy weather. What are winters and summers like in London?

It's rarely below 0 degrees C in the winter, and it doesn't snow much. It is windy, which makes it colder, especially on rainy days, which are about 70% of the time during the fall and winter. Spring and summer are usually nicer. Learning to live with the rain is part of becoming a Londoner!

What makes London an attractive place for you as a tech professional?

It’s like the Silicon Valley of Europe! Many big tech companies and startups have offices in the city, so there are lots of opportunities. London is lucky enough to house around 40 unicorn startups, including popular names such as Revolut, Checkout.com, Gymshark, Starling Bank, and Monzo! There might also be a growing focus on deep tech sectors like AI, blockchain and machine learning, according to Dealroom.

London's tech scene remains a major player in Europe, despite competition from other European cities, such as Berlin and Stockholm. Events like the London Tech Week reveal the city's strong position as a hub attracting startups, established tech companies, and significant venture capital investment. The city has a diverse ecosystem with companies working in Fintech, AI, and various other sectors.

One last question: what's one piece of advice you would give someone planning to relocate to London?

Plan ahead! Learn as much as you can about the area before you move. Find a place to live as soon as possible. And be patient—making a big change can be hard, but it'll get smoother once you've settled for a few months.

Find a job with relocation to London

If you'd like to move to the UK for work, the best way is to find a job that will help you relocate. Relocate.me is a niche job board that connects techies with companies that are willing to help you relocate. Have a look at these IT jobs that are currently on offer in London and other UK cities on the platform’s job board.

Good luck!