Philip Teague, managing director of the expat and emigration division of financial advisers Alexander Beard Group,.took up the challenge of answering these questions.

“I can’t give very detailed answers as I don’t know a huge amount about your situation,” said Philip. “That said, here are my thoughts with regard to some the decisions you need to make.

“ First of all, property can be a good source of regular income. The points to consider are that property is very illiquid. It can take a while to get your money back out. Rental income can be at risk should your tenants leave.

“You may also find it difficult to manage a property while living in another country. However there are firms which can manage this for you. You also need to consider the tax implication of this income for the UK and NZ.

“Secondly, UK pensions are attractive due to tax relief. As you are self-employed, your company can make a contribution that would be a tax deductible expense. You personally can make a contribution of 100% of your salary (if you are salaried, up to £40,000) or a gross contribution of £3,600 including tax relief if you receive no salary. You can continue this £3,600 gross contribution for five years of non UK residency.

“If at some stage in the future, you move to New Zealand, accrued funds can be moved with you if appropriate.”