Welcome, Guest: Register On Nairaland / LOGIN! / Trending / Recent / New
Stats: 3,168,182 members, 7,870,636 topics. Date: Tuesday, 25 June 2024 at 03:54 AM

Living In The Uk-life Of An Immigrant (part 2) - Travel (131) - Nairaland

Nairaland Forum / Nairaland / General / Travel / Living In The Uk-life Of An Immigrant (part 2) (1238392 Views)

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

(1) (2) (3) ... (128) (129) (130) (131) (132) (133) (134) ... (1007) (Go Down)

Re: Living In The Uk-life Of An Immigrant (part 2) by quivah(f): 7:15am On Dec 18, 2021
Contra5:


Thank you Mamatukwas! I follow your page on IG and likes your post whenever I go there. I like hardworking women. Well done! If teaching is your forte, I think you should have a masterclass/online course. It will help a lot of migrant wives with kids.

What's her IG ID?
Re: Living In The Uk-life Of An Immigrant (part 2) by Mamatukwas: 9:13am On Dec 18, 2021
quivah:

What's her IG ID?

No vex Nairaland is still an anonymous platform and I’d rather it’s not posted here.

If we ever have any reason to relate or transact you will find out. Xx

4 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by AirBay: 9:17am On Dec 18, 2021
Ticha:


You only need a 25% deposit if you're buying an investment property. For a house to live in, 10% deposit is the norm. Even if you have more than 10%, with interest rates currently low you're better off starting with 10% and investing the elsewhere. Then overpay monthly/annually if you have spare money.

Nice Idea.
What would you advise, is it better to find tenants on my own or register with letting agencies?
Re: Living In The Uk-life Of An Immigrant (part 2) by TheGuyFromHR: 9:20am On Dec 18, 2021
AirBay:


Nice Idea.
What would you advise, is it better to find tenants on my own or register with letting agencies?

You can do either.
If you have the time to deal with tenants yourself (answering enquiry phone calls, taking them to view your property, etc, etc., then you can.
If you have neither the time nor the energy to deal with tenants and their potential wahala, get an estate agency so they take that off you.

2 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by 5gee: 11:01am On Dec 18, 2021
Mamatukwas:


No vex Nairaland is still an anonymous platform and I’d rather it’s not posted here.

If we ever have any reason to relate or transact you will find out. Xx
Please i need naira, are you able to deal? about £2000 worth.
Re: Living In The Uk-life Of An Immigrant (part 2) by Domistic: 12:08pm On Dec 18, 2021
tosinhtml:


Use DHL please, it is expensive but efficient.
. Thanks.
Re: Living In The Uk-life Of An Immigrant (part 2) by omopapa: 1:03pm On Dec 18, 2021
When we are having a conversation with fellow BAME colleagues at work, those who don’t belong to the group always look like the outcast grin
Ticha:


Congratulations! The first house is always a steep learning curve! Especially in this very hot market. For first home buyers - my advice is to always go through your own bank first as they have all your financial history right there and can give you a good idea of your chances.

Re- brokers that's why I use 2 brokers. One for vanilla purchases who of course doesn't charge a fee but any small K leg will say oh you can't get it. The 2nd broker runs interference with the banks and pulls all sorts of mortgage miracles (completely legal o!). It's instructive that he is also BAME (I hate that term) and also owns investment properties.

1 Like

Re: Living In The Uk-life Of An Immigrant (part 2) by TRAY2(m): 1:16pm On Dec 18, 2021
@Justwise and recent Naija travellers, After filling the departure form on the Nigeria international travel portal, I put fully vaccinated and attached proof of my cert, at the end it said “you are not required to make payment”, I’m still not sure if this looks right. Pls was it the same experience for you, i even clicked on make payment it wouldn’t let me.
Re: Living In The Uk-life Of An Immigrant (part 2) by justwise(m): 2:19pm On Dec 18, 2021
TRAY2:
@Justwise and recent Naija travellers, After filling the departure form on the Nigeria international travel portal, I put fully vaccinated and attached proof of my cert, at the end it said “you are not required to make payment”, I’m still not sure if this looks right. Pls was it the same experience for you, i even clicked on make payment it wouldn’t let me.

During the red list madness you would have been directed to pay for quarantine, so you are good to go.

1 Like

Re: Living In The Uk-life Of An Immigrant (part 2) by quivah(f): 3:50pm On Dec 18, 2021
omopapa:
When we are having a conversation with fellow BAME colleagues at work, those who don’t belong to the group always look like the outcast grin
My email has been breathing in your inbox for several months now sad
Re: Living In The Uk-life Of An Immigrant (part 2) by Oggg: 3:51pm On Dec 18, 2021
5gee:

Please i need naira, are you able to deal? about £2000 worth.
i have
Re: Living In The Uk-life Of An Immigrant (part 2) by 5gee: 3:58pm On Dec 18, 2021
Oggg:
i have
What's your rate?
Re: Living In The Uk-life Of An Immigrant (part 2) by Mamatukwas: 3:59pm On Dec 18, 2021
5gee:

Please i need naira, are you able to deal? about £2000 worth.

Sorry missed this. But you can always pm me
Re: Living In The Uk-life Of An Immigrant (part 2) by brine(m): 4:12pm On Dec 18, 2021
Ticha:


You only need a 25% deposit if you're buying an investment property. For a house to live in, 10% deposit is the norm. Even if you have more than 10%, with interest rates currently low you're better off starting with 10% and investing the elsewhere. Then overpay monthly/annually if you have spare money.

I think it's 25% now if you don't have ILR or have not been in the UK for up to 5 years.

1 Like

Re: Living In The Uk-life Of An Immigrant (part 2) by omopapa: 5:23pm On Dec 18, 2021
I replied almost immediately Ma
quivah:

My email has been breathing in your inbox for several months now sad
Re: Living In The Uk-life Of An Immigrant (part 2) by captainhoo: 8:04pm On Dec 18, 2021
Domistic:
Hello My People
What is the best way to send a laptop to Lagos. I needed to send my laptop back to Naija urgently. Does Dhl or Royal Mail work? Abi we have cargo agents that handle that here?

Be careful of your logistics choice. I read on IG of someone who sent a laptop to 9ja with DHL, paid extra for custom clearing and got a teddy bear as the delivered supposed parcel
Re: Living In The Uk-life Of An Immigrant (part 2) by fatima04: 8:06pm On Dec 18, 2021
brine:


I think it's 25% now if you don't have ILR or have not been in the UK for up to 5 years.

It's not for first time buyers though. You can get 5% deposit mortgage (though very scarce) or add government equity loan of 20% to reduce the mortgage borrowed.

The caveat for visa when it comes to obtaining a mortgage is basically having at least 9months to 1yr leave to remain before the end of the visa. Even Tier 4 student can get the above mortgage deals or arrangements.

6 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by Nobody: 8:13pm On Dec 18, 2021
captainhoo:


Be careful of your logistics choice. I read on IG of someone who sent a laptop to 9ja with DHL, paid extra for custom clearing and got a teddy bear as the delivered supposed parcel

It was not DHL o no go spoil another brand. It was UPS
Re: Living In The Uk-life Of An Immigrant (part 2) by contra(m): 8:38pm On Dec 18, 2021
iboboyswag:


So Contra is a woman?? And here is me thinking you was a dude... grin

Plenty congratulations...

I guess there are 2 of us now. I'm a guy.
Re: Living In The Uk-life Of An Immigrant (part 2) by contra(m): 8:48pm On Dec 18, 2021
Chreze:


Congrats. Please note that the information I shared is 99% accurate for Glasgow (or maybe Scotland). I have never visited London or England and so don’t know if the same applies 100%. I know similar from reading but never been there and don’t know what applies. You might wanna confirm from people who live and stay there.

Blessings

It's the same in Southampton.

3 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by Osoderi(m): 10:06pm On Dec 18, 2021
Hello house, please what is the annual salary for a personal assistant job in KPMG UK. I applied for a job there and was asked my salary expectation.

Please any body working here OR have similar position should assist me.

Also I only have a degree certificate can they take me with my Nigeria university.

I need the gross salary, net salary and annual. Kindly assist please.

Thank you
Re: Living In The Uk-life Of An Immigrant (part 2) by Nobody: 10:15pm On Dec 18, 2021
Osoderi:
Hello house, please what is the annual salary for a personal assistant job in KPMG UK. I applied for a job there and was asked my salary expectation.

Please any body working here OR have similar position should assist me.

Also I only have a degree certificate can they take me with my Nigeria university.

I need the gross salary, net salary and annual. Kindly assist please.

Thank you

You can also check glassdoor. Some staff from big companies post their salaries there, their experiences and interview questions.

3 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by contra(m): 10:30pm On Dec 18, 2021
Osoderi:
Hello house, please what is the annual salary for a personal assistant job in KPMG UK. I applied for a job there and was asked my salary expectation.

Please any body working here OR have similar position should assist me.

Also I only have a degree certificate can they take me with my Nigeria university.

I need the gross salary, net salary and annual. Kindly assist please.

Thank you

You didn't mention the location. The range in the south is 35 to 45k depending on your level of experience. It will be more in London and less in the North.

Like someone's suggested try glassdoor to be exact.

PS. Give a high rate. They'll tell you how much they can afford if they can't pay your rate.

2 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 12:45am On Dec 19, 2021
AirBay:


Nice Idea.
What would you advise, is it better to find tenants on my own or register with letting agencies?

I always use letting agents and manage the agents. I always request all full applications from potential tenants, speak to the tenants myself, give them our details once they're in and make it my business to know all the rules and regulations and tenancy laws. Now I am more conversant with everything, I'll be managing myself when we return - mainly cos I'll also be dropping to part time work.

4 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by brine(m): 3:55am On Dec 19, 2021
fatima04:


It's not for first time buyers though. You can get 5% deposit mortgage (though very scarce) or add government equity loan of 20% to reduce the mortgage borrowed...

That's interesting, thanks smiley Another question, any ideas on how to sort out proof of funds for people that have some of the deposit come from abroad(Nigeria). This includes personal savings, selling personal items, loan repayment from friends, etc . Also, how about all the transactions from lemonade, moneyfex for example? What are those classed as? I might be over thinking this now.
Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 5:23am On Dec 19, 2021
brine:


I think it's 25% now if you don't have ILR or have not been in the UK for up to 5 years.

Not for first home buyers. And most banks will accept less than 18 months on your visa. 2nd tier banks will even take any overseas income into consideration too.

6 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 5:27am On Dec 19, 2021
brine:


That's interesting, thanks smiley Another question, any ideas on how to sort out proof of funds for people that have some of the deposit come from abroad(Nigeria). This includes personal savings, selling personal items, loan repayment from friends, etc . Also, how about all the transactions from lemonade, moneyfex for example? What are those classed as? I might be over thinking this now.

Banks statements or move the money into your UK accounts and leave it there for 3 months. It's a long time ago now but part of our first purchase was financed by selling my house in 9ja which was paid for in cash (9ja sha, we get liver!)
It took about a month to transfer the funds to my UK account and then another couple of months to buy the UK house. No bank has ever asked us for more than 3 months statements so that's my rule of thumb

4 Likes 2 Shares

Re: Living In The Uk-life Of An Immigrant (part 2) by hustla(m): 7:25am On Dec 19, 2021
TRAY2:
@Justwise and recent Naija travellers, After filling the departure form on the Nigeria international travel portal, I put fully vaccinated and attached proof of my cert, at the end it said “you are not required to make payment”, I’m still not sure if this looks right. Pls was it the same experience for you, i even clicked on make payment it wouldn’t let me.

shocked

I’m on the website now

It looks like it’s for those coming into Nigeria, kindly clarify
Re: Living In The Uk-life Of An Immigrant (part 2) by missb50: 9:15am On Dec 19, 2021
Ticha:


Not for first home buyers. And most banks will accept less than 18 months on your visa. 2nd tier banks will even take any overseas income into consideration too.

Madam!

I always look forward to your view on properties in the UK.. Kindly clarify the ffg:

1. Can someone on a T2 visa with just about a year living in the UK get mortgage at 10% (even 25%) deposit?

2. Which specific banks should one target?


Many thanks.

5 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by hustla(m): 9:26am On Dec 19, 2021
For pre depature covid test, must i use government approved ones on https://covid19.ncdc.gov.ng/laboratory/ ?

Asked on the student thread but no answers are forthcoming
Re: Living In The Uk-life Of An Immigrant (part 2) by Osoderi(m): 9:28am On Dec 19, 2021
contra:


You didn't mention the location. The range in the south is 35 to 45k depending on your level of experience. It will be more in London and less in the North.

Like someone's suggested try glassdoor to be exact.

PS. Give a high rate. They'll tell you how much they can afford if they can't pay your rate.

Thank you for your response

It is in London.

But pls do they accept Nigeria degree certificate in the UK in this type of organisation?

(1) (2) (3) ... (128) (129) (130) (131) (132) (133) (134) ... (1007)

Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 7 / General Australian Student Visa Enquiries Part 3 / Canadian Student Visa Thread Part 22

(Go Up)

Sections: politics (1) business autos (1) jobs (1) career education (1) romance computers phones travel sports fashion health
religion celebs tv-movies music-radio literature webmasters programming techmarket

Links: (1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

Nairaland - Copyright © 2005 - 2024 Oluwaseun Osewa. All rights reserved. See How To Advertise. 48
Disclaimer: Every Nairaland member is solely responsible for anything that he/she posts or uploads on Nairaland.