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You say you don't meet the criteria for the third automatic non-resident test. Do you meet any of the criteria for the automatic UK tax resident tests? If not so you meet any of the non-conclusive tests for non-UK tax residence status or UK tax residence status as shown on the flowchart here?
Leave this with me while I draft my answer.
When trying to determine your UK residence status, you need to first consider the automatic non-UK residence tests. If you don't meet any of those, you have to consider the automatic UK tax residence tests. If you don't meet any of those, you have to compare the number of UK ties you have with the number of days you spend in the UK in a tax year. That's why I referred you to the flowchart as you appear to have only looked at the automatic non-residence tests.
Assuming you are not automatically UK tax resident and that you appear to have only one UK tie, you can spend up to 120 days in the UK in a tax year and be non-UK tax resident. If you spent more than 90 days in the UK in each of the previous two tax years to 2016/17, then you have two UK ties and can only spend a maximum of 90 days in the UK in a tax year and be non-UK tax resident.
Whether you send money to the UK or not and for whatever reason is irrelevant to your UK tax residence status. If you charge interest on the loan, that interest will be liable to tax in the UK but you can use your UK personal allowance which is currently £11,000 against it and only pay UK tax on the surplus if there is one. You can have a UK source of income and still be non-UK resident for tax purposes.
I hope this helps but let me know if you have any further questions.
Then you are non-UK tax resident. The text I can see wasn't clear. You can send money to the UK and not jeopardise your tax status.
There are no limits. Exchange controls were removed in about 1979 or 1980. Many people such as yourself who work abroad leave tbeir families behind but they still have to send money back to the UK to pay the mortgage and other bills. So long as they are non-UK resident they won't pay UK tax on their foreign earnings. If they are UK resident, they will pay UK tax on all their foreign earnings regardless of whether they send money back to the Uk or not.
I think this is what you are referring to. Those rules apply to money you carry in your pocket. It doesn't apply to transfers of money through the banking system from a non-UK bank to a UK bank.
You can transfer as much as you want electronically but you should warn the recpient bank in advance to avoid triggering their money laundering software. You would not pay tax on your Euros even if you carried more than 10,000. You would just have to disclose the fact that you are carrying more than 10,000 Euros to Customs.
Would you mind rating my answer before you leave the site please.
The list of IHT exempt gifts is here.
You can gift your wife any sum as intra-spouse gifts are exempt from IHT.