any property you purchase will have to be in your wifes sole name as foreigners are not allowed to own property unless its a condo. Yes the fees for the ACR card are correct you have to pay for one on your second extension, I am on my 3rd card basically they are useless just another revenue earner i,ve never been asked to produce mine in nearly 3 years, hopes this helps. As for money transfers, can,t help you there, as a warning though if you do transfer money and leave it in your account for more than 12 months without using your account the bank will close your account and keep your money its their policy well BDO and metrobank is anyway. I would keep my money in u.k until you really need it .remember if you do buy a house it can take on average 2 years to sell it, the more the house is worth the harder it is to find a buyer here.