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Living In The Uk/life As A UK Immigrant - Travel (629) - Nairaland

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Living In The Uk-life Of An Immigrant (part 3) / Living In The Uk-life Of An Immigrant (part 2) / Living In Canada/Life As A Canadian Immigrant Part 2 (2) (3) (4)

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Re: Living In The Uk/life As A UK Immigrant by RAD01: 3:03pm On May 21, 2021
Hello,
I just saw this post on indeed.
Apply and I wish you all the best.

The Hospital Fertility Group
Clinical Embryologist with Tier 2 Sponsorship
The Hospital Fertility Group - Eastbourne BN23 6QE
£30,000 - £45,000 a year - Full-time, Part-time, Contract, Permanent

Apply with Indeed



zeb04:
Hello guys, please i need some advice.

I got a job in the uk after doing several rounds of interview but during the stage of processing, they took it back because of the money involved in processing( i live in Nigeria) since then, i have been applying to so many other hospital in the Uk and in Nigeria with no luck( currently jobless at the moment lost it during covid)

The insecurities and everything happening in Nigeria is really my driving factor right now and also the fact that i have 6 years experience in my occupation ( IVF clinical embryologist) with measly pay

I have a BSc in biochemistry and currently rounding up my masters in biotechnology( online masters from a university in Spain. A scholarship i won) Also i am married with 1 child. I currently sell stuffs but i do not really make money of it.

I recently applied for an Msc in adult nursing in the Uk because i am hoping to relocate and give myself and my child a better future instead of wallowing here. i have the money i saved for it.

My questions is, can i work as a nurse after schooling or is it just a waste of money?

Is there a career path in towing this way?

Isnt it better than staying idle in Nigeria without any job?

Can i get a good job while schooling to at least take care of me and my family.

Please, i need all the advice i can get. Am i mistaking a mistake?

Forgive me for sounding this EMotional. I was severely discouraged about this idea by a family member and now i am confused.

@justwise and every person on here

4 Likes

Re: Living In The Uk/life As A UK Immigrant by LagosismyHome(f): 4:01pm On May 21, 2021
Chukwuka16:


Thanks for the clarification on CGTs!

My concern with mortgages on residential homes is that it becomes detrimental if I'm paying for it from my main job which seems to be the case for majority. For any equity built up, it only becomes realisable after sale. For my only house what do I intend to do if its being undervalued and I don't have a job and its chaos economically? I need a place to stay, I have no income and I'm in default with very diminished equity in a downturn?

What I've seen some folks do is have 2 houses - 1 owned by them for residential and another owned by a SPV for rent purposes. They use the rent from the rented house to pay its own mortgage and then defray some costs from their own residential house by renting out space to the SPV. This way even in an economic downturn they could still have income coming from the rented house and restructure their own residential mortgage to accommodate the top up from the rented apartment. If they had only their income to pay for their residential house then losing their jobs will make them very vulnerable.

And yes, with the expected influx from Hong Kong, it will simply push a lot of black folks from the middle class to the lower class thus widening that poor class bracket. It really is tough times ahead.

Buying always better than renting ...... and I wished I had bought earlier because I kept waiting for a crash that 10 years later hasn't happened. Instead the house prices keeps going up up up .

Meaning that even rent keeps going up to keep up with the current house prices. So who becomes the winner. Those who have bought.

A 3 bedroom in my area was about £900 ten years ago so was the monthly mortgage in that area. So assuming I bought my mortgage could have been £900.....(without accounting deposit, fees etc . Just comparing future monthly spend) .. 10 years later houses prices have gone up and rent is now £1,500 on the average for rent so is mortgage . The person who bought 10 years ago at least gets to pay £900 now , while someone newly buying or renting will pay £1500.... at least in London you can hardly see any area that hasn't gone up significantly in these last 10 years

If I lose my job either a rental or home owner. The struggle will be there . None is absorb from the hardship .. the prayer is that we get to keep our source of income

But at least after 25 years one of these two a rental or homeowner gets to rest and not worry about rent/mortgage for life assuming it now paid off.... yeah take a guess which of this two is free and which has to cough up money every month. ....

Having a BTL is not bad but tenant wahala still dey so there are risk. But if someone can have a BLT also, that really golden for later on . The indians really tapped into it and have used it to build generational wealth. I believe we blacks too will eventually tap into sources of generational wealth. We just dey come , these indians have been here much longer. You see 3 generations here so we still be baby . The Chinese have one or two children so a lot are coming with accumulated wealth from their economy. We Africans made the mistake of having so many children thinking the more the better. Hopefully we realised quality over quantity in building a better future

8 Likes 1 Share

Re: Living In The Uk/life As A UK Immigrant by Seynex01: 6:30pm On May 21, 2021
Irenenwaka:
Hello guys... is there anyone in need of a job.

I have a client who needs a full time live in carer. Experience is required with muscular dystrophy.
Location is potters bar( north london)
Pay-600-700weekly (negotiable)
Client will cater for your feeding and living expense.
Client is mixed kenyan and indian.
Age preference- 20-40years( not discriminating this is just as a result of demanding nature of the job).

You can contact me.....thanks
Ideally the candidate should be a single individual or someone with grown up kids as its gona be a full time live in role hence no time to pay attention to any dependants.

Please i would suggest you just quote me if you interested. I have been very slow with emails these days, i just had a baby.

Also please does anyone know if i am allowed to dtop my contact number on here on nairaland?? Lol i don’t want to be banned so just making sure.

I would prefer a phone call.
Re: Living In The Uk/life As A UK Immigrant by elisinho(m): 7:46pm On May 21, 2021
Hello house, I need helpabout band 6 jobs i got one in Sunderland and the other in Cambridge, I need advise about which to choose considering every prospects from the two please.
treat as urgent please



help a newbie
Re: Living In The Uk/life As A UK Immigrant by Odedenshi1(m): 8:07pm On May 21, 2021
RAD01:
Yes.

All the best.

Thanks for your response. I already read up on the sponsorship and found the info I needed. I am not keen on getting sponsorship as an HCA but as a registered nurse. All the same, thanks.
Re: Living In The Uk/life As A UK Immigrant by zeb04(f): 8:40pm On May 21, 2021
RAD01:
Hello,
I just saw this post on indeed.
Apply and I wish you all the best.

The Hospital Fertility Group
Clinical Embryologist with Tier 2 Sponsorship
The Hospital Fertility Group - Eastbourne BN23 6QE
£30,000 - £45,000 a year - Full-time, Part-time, Contract, Permanent

Apply with Indeed

I did. Thanks
Hopefully this one goes through.



Re: Living In The Uk/life As A UK Immigrant by zeb04(f): 8:49pm On May 21, 2021
RAD01:
Yes. NHS do sponsor HCA but you have to apply to the ones which salary is £20,480 and above. From my research and someone who got sponsored recently, you should focus on NHS in London and its environment. Pray very well too.

All the best.


If you don’t mind me asking, did you get sponsored as an embryologist?
Re: Living In The Uk/life As A UK Immigrant by NomzyJust(m): 8:50pm On May 21, 2021
Who needs to exchange naira for gbp?
Re: Living In The Uk/life As A UK Immigrant by RalphJean: 8:53pm On May 21, 2021
elisinho:
Hello house, I need helpabout band 6 jobs i got one in Sunderland and the other in Cambridge, I need advise about which to choose considering every prospects from the two please.
treat as urgent please



help a newbie

Dear Newbie,
Details.... details.

The more detailed & specific your question, the more bespoke help you will get.
Re: Living In The Uk/life As A UK Immigrant by kaad: 9:46pm On May 21, 2021
wonlasewonimi:

It has been discussed gazillion times on this thread...get a sim only contract phone (usually less than £10/pm), get a credit builder credit card for like £150 credit limit to use and pay back in full, get on the electoral roll, sign up to credit reference agencies - free ones are credit karma, clearscore and MSE credit club. They all pull info using the original agencies APIs. Good luck!

I'm on a tier 4 visa and trying to get a credit card as it seems necessary to build credit score. I got an offer with capital one offering up to £1,500 with 0% interest for the first 3 months and 34.9% APR. As a newbie I need your advise, does this sound good? If not what other options should I explore.
Thanks

2 Likes 2 Shares

Re: Living In The Uk/life As A UK Immigrant by Lexusgs430: 10:07pm On May 21, 2021
kaad:


I'm on a tier 4 visa and trying to get a credit card as it seems necessary to build credit score. I got an offer with capital one offering up to £1,500 with 0% interest for the first 3 months and 34.9% APR. As a newbie I need your advise, does this sound good? If not what other options should I explore.
Thanks




If your application is successful, grab it with both hands and legs.....

Pay your CC bills on time, don't spend over your limit and slowly start building your CH.....

A youtube video was dropped here, few pages ago.... Watch it and get CC educated..... cheesy

1 Like 2 Shares

Re: Living In The Uk/life As A UK Immigrant by DeeOneBangin: 10:08pm On May 21, 2021
Lexusgs430:



If your application is successful, grab it with both hands and legs.....

Pay your CC bills on time, don't spend over your limit and slowly start building your CH.....

A youtube video was dropped here, few pages ago.... Watch it and get CC educated..... cheesy

Sho ni CC, load am cheesy

1 Like

Re: Living In The Uk/life As A UK Immigrant by Lexusgs430: 10:56pm On May 21, 2021
DeeOneBangin:


Sho ni CC, load am cheesy

You too dey dangbana republik....... wink


If you go load am, like den dey load am in the early 90's..... Àwọn Awesu....... grin

Walahi, your own go pàss Governor Aide........ cheesy

1 Like

Re: Living In The Uk/life As A UK Immigrant by Chukwuka16: 3:16am On May 22, 2021
LagosismyHome:


Buying always better than renting ...... and I wished I had bought earlier because I kept waiting for a crash that 10 years later hasn't happened. Instead the house prices keeps going up up up .

Meaning that even rent keeps going up to keep up with the current house prices. So who becomes the winner. Those who have bought.

A 3 bedroom in my area was about £900 ten years ago so was the monthly mortgage in that area. So assuming I bought my mortgage could have been £900.....(without accounting deposit, fees etc . Just comparing future monthly spend) .. 10 years later houses prices have gone up and rent is now £1,500 on the average for rent so is mortgage . The person who bought 10 years ago at least gets to pay £900 now , while someone newly buying or renting will pay £1500.... at least in London you can hardly see any area that hasn't gone up significantly in these last 10 years

If I lose my job either a rental or home owner. The struggle will be there . None is absorb from the hardship .. the prayer is that we get to keep our source of income

But at least after 25 years one of these two a rental or homeowner gets to rest and not worry about rent/mortgage for life assuming it now paid off.... yeah take a guess which of this two is free and which has to cough up money every month. ....

Having a BTL is not bad but tenant wahala still dey so there are risk. But if someone can have a BLT also, that really golden for later on . The indians really tapped into it and have used it to build generational wealth. I believe we blacks too will eventually tap into sources of generational wealth. We just dey come , these indians have been here much longer. You see 3 generations here so we still be baby . The Chinese have one or two children so a lot are coming with accumulated wealth from their economy. We Africans made the mistake of having so many children thinking the more the better. Hopefully we realised quality over quantity in building a better future

I totally agree with you bar timing.

10 years ago we were talking of the financial crisis and Bernie Madoff and subprime mortgage crisis etc. We were just leaving the Great Recession between 2008 and 2013 and things were at their cheapest levels in a while. Amazon was trading at $134 to a share then! Anyone buying property then would have been making a great investment because there was a surplus on the market so prices were generally depressed. YoY, house prices in the UK decreased in 2011. If this were 2011, buying a house would be at a bargain.

Today, we have interest rates at their lowest, market at an all time high and assets typically and fantastically over valued. It will be more advisable to be ready to pick up property after the crash than now. With regards to market crash, the markets weren't expected to crash in 2011 and governments were starting to spend their way out of the recession. This is 2021 and they have exhausted all their tools. They have printed the highest fiat volume ever, they can't lower interest rates except to negative, we still have significant job losses, the government is still paying over 4 million workers here in the UK as at March 2021 and the market is still depressed. Caution is advised.

25 years is 1/3 to 1/4 of a typical person's life. If it takes me 25 years to own a home then there is trouble! I wouldn't need 25 years to own a home in Nigeria! If the intrinsic value of my home is a place to stay then it pays me more to think economics when deciding how best to own a home. Bar the issue of tenants for which many rentals today now have strict guidelines on the tenants they want and even the race, kind of job, age, with kids or without and sector of the economy they work in etc., owning property for tax benefits is the best bet. In times like this, Id prefer to own property in such a manner that I get tax benefits. Paying for mortgage (that is not tax deductible) from my main income is suicidal now.

I don't know about the black community and if we would make an impact in the abroad. We have been in the US and the UK for a while and we are still punching featherweight. We do have mouth sha and throw the best parties in town so at least we have something to be proud of.

6 Likes 1 Share

Re: Living In The Uk/life As A UK Immigrant by omopapa: 3:22am On May 22, 2021
U have pounds?
NomzyJust:
Who needs to exchange naira for gbp?
Re: Living In The Uk/life As A UK Immigrant by TheGuyFromHR: 4:54am On May 22, 2021
LagosismyHome:


Buying always better than renting ...... and I wished I had bought earlier because I kept waiting for a crash that 10 years later hasn't happened. Instead the house prices keeps going up up up .

Meaning that even rent keeps going up to keep up with the current house prices. So who becomes the winner. Those who have bought.

A 3 bedroom in my area was about £900 ten years ago so was the monthly mortgage in that area. So assuming I bought my mortgage could have been £900.....(without accounting deposit, fees etc . Just comparing future monthly spend) .. 10 years later houses prices have gone up and rent is now £1,500 on the average for rent so is mortgage . The person who bought 10 years ago at least gets to pay £900 now , while someone newly buying or renting will pay £1500.... at least in London you can hardly see any area that hasn't gone up significantly in these last 10 years

If I lose my job either a rental or home owner. The struggle will be there . None is absorb from the hardship .. the prayer is that we get to keep our source of income

But at least after 25 years one of these two a rental or homeowner gets to rest and not worry about rent/mortgage for life assuming it now paid off.... yeah take a guess which of this two is free and which has to cough up money every month. ....

Having a BTL is not bad but tenant wahala still dey so there are risk. But if someone can have a BLT also, that really golden for later on . The indians really tapped into it and have used it to build generational wealth. I believe we blacks too will eventually tap into sources of generational wealth. We just dey come , these indians have been here much longer. You see 3 generations here so we still be baby . The Chinese have one or two children so a lot are coming with accumulated wealth from their economy. We Africans made the mistake of having so many children thinking the more the better. Hopefully we realised quality over quantity in building a better future

Well said, I agree with what you've said about homeowning as opposed to renting.

But in terms of what the Indians have generally achieved as compared to us, they haven't really been here "much longer" than us. Quite a few were here before the war, yes, but the main waves of south Asian migration to the UK occurred in the 1950s and 60s, when the parents of people like Sadiq Khan and Rishi Sunak arrived, and the major waves of Nigerian Andrews (who remembers that?) were checking out in the late 70s and 80s and of course as things got worse progressively more arrived in the 90s and 00s.

So the south Asians' head start over us is not all that much, I think their relative success in the UK is down to their drive and family structure - you rarely hear of Indians joining gangs or not finishing their education, even when they're all crammed 3 generations into one or two rooms in that their Southall, which never gained the reputation that Peckham or Brixton did, for instance. They bring over their grandparents to bring up the UK-born children and those ones instill discipline and ambition into the children. And of course they maintain communities, helping each other to thrive relatively way more than Nigerians, for instance, do.

5 Likes 1 Share

Re: Living In The Uk/life As A UK Immigrant by Lexusgs430: 5:20am On May 22, 2021
TheGuyFromHR:


Well said, I agree with what you've said about homeowning as opposed to renting.

But in terms of what the Indians have generally achieved as compared to us, they haven't really been here "much longer" than us. Quite a few were here before the war, yes, but the main waves of south Asian migration to the UK occurred in the 1950s and 60s, and when the parents of people like Sadiq Khan and Rishi Sunak arrived, and the major waves of Nigerian Andrews (who remembers that?) were checking out in the late 70s and 80s and of course as things got worse progressively more arrived in the 90s and 00s.

So the south Asians' head start over us is not all that much, I think their relative success in the UK is down to their drive and family structure - you rarely hear of Indians joining gangs or not finishing their education, even when they're all crammed 3 generations into one or two rooms in that their Southall, which never gained the reputation that Peckham or Brixton did, for instance. They bring over their grandparents to bring up the UK-born children and those ones instill discipline and ambition into the children. And of course they maintain communities, helping each other to thrive relatively way more than Nigerians, for instance, do.


That Andrew was Enebele Elebuwa...... He never got paid for that role....... wink
Re: Living In The Uk/life As A UK Immigrant by TheGuyFromHR: 5:46am On May 22, 2021
Lexusgs430:



That Andrew was Enebele Elebuwa...... He never got paid for that role....... wink

Lol.
Nigerian government ripping off non-connected contractors since 1900.
Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 7:10am On May 22, 2021
LagosismyHome:


Buying always better than renting ...... and I wished I had bought earlier because I kept waiting for a crash that 10 years later hasn't happened. Instead the house prices keeps going up up up .

Meaning that even rent keeps going up to keep up with the current house prices. So who becomes the winner. Those who have bought.

A 3 bedroom in my area was about £900 ten years ago so was the monthly mortgage in that area. So assuming I bought my mortgage could have been £900.....(without accounting deposit, fees etc . Just comparing future monthly spend) .. 10 years later houses prices have gone up and rent is now £1,500 on the average for rent so is mortgage . The person who bought 10 years ago at least gets to pay £900 now , while someone newly buying or renting will pay £1500.... at least in London you can hardly see any area that hasn't gone up significantly in these last 10 years

If I lose my job either a rental or home owner. The struggle will be there . None is absorb from the hardship .. the prayer is that we get to keep our source of income

But at least after 25 years one of these two a rental or homeowner gets to rest and not worry about rent/mortgage for life assuming it now paid off.... yeah take a guess which of this two is free and which has to cough up money every month. ....

Having a BTL is not bad but tenant wahala still dey so there are risk. But if someone can have a BLT also, that really golden for later on . The indians really tapped into it and have used it to build generational wealth. I believe we blacks too will eventually tap into sources of generational wealth. We just dey come , these indians have been here much longer. You see 3 generations here so we still be baby . The Chinese have one or two children so a lot are coming with accumulated wealth from their economy. We Africans made the mistake of having so many children thinking the more the better. Hopefully we realised quality over quantity in building a better future

I remember when i posted here about buying my first mortgage just within 19 months of stay in UK, many folks were babbling, but look at what is happening now, with the new mortgage rules either you have ILR or 25% deposit, and house prices and interest rates are going up and up, even renting now is a nightmare.And someone will tell you not to rush, house prices will crash and interest rates will come down, bla bla bla, we are still waiting. I have always learnt to always go with my first gut no matter what anyone says, and it has helped me so far.

4 Likes 1 Share

Re: Living In The Uk/life As A UK Immigrant by Lexusgs430: 7:12am On May 22, 2021
TRAY2:


I remember when i posted here about buying my first mortgage just within 19 months of stay in UK, many folks were babbling, but look at what is happening now, with the new mortgage rules either you have ILR or 25% deposit, and house prices and interest rates are going up and up, even renting now is a nightmare.And someone will tell you not to rush, house prices will crash and interest rates will come down, bla bla bla, we are still waiting. I have always learnt to always go with my first gut no matter what anyone says, and it has helped me so far.



With your brown new car (9ja stylee)...... The lion.... A true Nigerian...... cheesy

If no be Peugeot, nah merc or Toyota...... grin

2 Likes

Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 7:26am On May 22, 2021
Lexusgs430:




With your brown new car (9ja stylee)...... The lion.... A true Nigerian...... cheesy

If no be Peugeot, nah merc or Toyota...... grin


Hahaha, Chief you won’t understand the peace of mind i have, all i am focusing on is good health, and strength to do my work and the extras that come with it grin,3 of my mates have gone ahead to buy the lions o, and they can’t stop thanking me, next to is to go electric or hybrid after the 3/5years manufacturer warranty is over. Because the UK is going full electric from 2030.

1 Like

Re: Living In The Uk/life As A UK Immigrant by wallg123: 8:02am On May 22, 2021
Getting a mortgage is always better than renting especially if you looking to make a long term investment. Even if you planing on relocating back to Nigeria (god forbid) or anywhere else you can still hand it over to a vetted estate agent with guaranteed rent agreements signed into place.
If your politicians in African/Nigeria that’s steals thousand of £ monthly in entitlements and salaries, see the need to own houses as investment portfolio overseas then you must be mad not to do the same.
The worst case scenario you can’t pay your mortgage, you sell off and get your equity.

8 Likes 1 Share

Re: Living In The Uk/life As A UK Immigrant by Bmuhd4smile: 8:29am On May 22, 2021
Hello, anybody studying or staying at portsmouth? I need info regarding getting student jobs and general cost of living there before I pay tuition deposit. Thank you
Re: Living In The Uk/life As A UK Immigrant by wallg123: 8:36am On May 22, 2021
When the bible said “The heart of a man is desperately wicked”, it actually meant the heart of a Blackman is desperately wicked.......

1 Like

Re: Living In The Uk/life As A UK Immigrant by hustla(m): 8:56am On May 22, 2021
TRAY2:


I remember when i posted here about buying my first mortgage just within 19 months of stay in UK, many folks were babbling, but look at what is happening now, with the new mortgage rules either you have ILR or 25% deposit, and house prices and interest rates are going up and up, even renting now is a nightmare.And someone will tell you not to rush, house prices will crash and interest rates will come down, bla bla bla, we are still waiting. I have always learnt to always go with my first gut no matter what anyone says, and it has helped me so far.


Could you share how you did it within 19 months?
Citizen?
Re: Living In The Uk/life As A UK Immigrant by hustla(m): 8:56am On May 22, 2021
Bmuhd4smile:
Hello, anybody studying or staying at portsmouth? I need info regarding getting student jobs and general cost of living there before I pay tuition deposit. Thank you

Check out ChideraPeters on YouTube

She finished from University of Portsmouth
Re: Living In The Uk/life As A UK Immigrant by hustla(m): 8:58am On May 22, 2021
wallg123:
When the bible said “The heart of a man is desperately wicked”, it actually meant the heart of a Blackman is desperately wicked.......


grin
Re: Living In The Uk/life As A UK Immigrant by TheGuyFromHR: 9:28am On May 22, 2021
hustla:



Could you share how you did it within 19 months?
Citizen?

Reasonably good and steady income.
You can buy a house on a student visa if you like, if you have the raw cash or some form of relevant income and can find a bank to give you a mortgage.

1 Like

Re: Living In The Uk/life As A UK Immigrant by Magdagascariens: 9:36am On May 22, 2021
TheGuyFromHR:


Reasonably good and steady income.
You can buy a house on a student visa if you like, if you have the raw cash or some form of relevant income and can find a bank to give you a mortgage.


I will appreciate more info on this Sir. Humbly asking...

Anyone who has tried this (on student visas) can also enlighten us.

1 Like

Re: Living In The Uk/life As A UK Immigrant by hustla(m): 9:54am On May 22, 2021
TheGuyFromHR:


Reasonably good and steady income.
You can buy a house on a student visa if you like, if you have the raw cash or some form of relevant income and can find a bank to give you a mortgage.

Wow

Didn't know you could buy while onna student visa

Down payment is 25%?

1 Like

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