₦airaland Forum

Congratulations!
The effort has eventually paid off.
Welldone!!

borvick:
My daughter’s PPR came on the third attempt. Praise God with me🙏🙏🙏🙏🙏💃🏾💃🏾💃🏾💃🏾💃🏾.

As many waiting for this type of joy, you will all testify in Jesus name. Halleluyah!!!!!!!

Samxx:
Please who know if it's risky to remove funds from account after MBS statement has been printed and submitted , I already paid first year full tuition fees and did GIC of 15k , but I didn't want to leave the rest of the funds in Naira after I printed my statements , someone said the VO can see the available balance on the day they view the statement is this true please ?

I think ordinarily your financial situation is good, provided you still had some balance in your account. I believe your concern should be that you are not required to provide updated statements. But even then, your account is not expected to be static because of your application. If the transaction remains in line with the pattern in previous months, then i dont think you will have a problem. I also feel if you convert to USD and keep in a domicilliary account, then you should be able to explain that if an updated statement is required as long as you will attach the dom account too.

N8M to N22M is quite a jump. However, not unrealistic but would require solid explanation with evidences to back it up. I had to liquidate fixed deposits 2 weeks before printing my statement and i backed that with the liquidated Fixed deposit account statements which showed that the investments had been running for a while.

I think you should see the GCMS note to be exactly sure of the VOs concerns.

subzheero:
I saved once or twice weekly till December b4 MBS was printed .Again l just checked the opening bal for June it was 8m plus but in the middle of that June l purchased a vech of 4m plus so bal went back to 4m plus so l continue saving again till Dec last year when her bal was 22 b4 MBS was printed

BenedictStinson:
Not a guru though. The day after my PPR, I tried to submit my passport in the afternoon. I was bounced and told to come by 8-10(Abuja). No need of booking any appointment, I don't know about Lagos

Thank you. Apparently same will apply at Lagos Centre too.

Guess i will just be there early to avoid stories!

bullstriker:
Submit the new one with a coloured copy of the old one and add an explanation letter.

Thank you very much.

Please for walk-in passport submissions, must one get to VFS before 10am and will one be attended to without appointment? Also, is it free for walk-ins?

Thank you gurus!

blueberryacres:
Hi guys,
My passport isn’t valid for the duration of my 4-year course. Should I apply for a passport renewal before applying? How long will it take to get the renewed passport? How much will it cost?
If I decide to apply with my current passport, i heard i can apply for a passport renewal from the Nigerian Consulate in Ottawa. Is my study permit valid until when my passport expires or to the end of my course?

As far as i know, You cant get a visa that will be valid beyond the expiration of your passport. Hence, you could apply for renewal bearing in mind that your PPR is only valid for about 30 days. You will need to locate some remote places like in the North or the East where you can arrange a passport and be sure it will be ready in about 2 or 3 weeks.

I also think some guys can link you with sure plugs in Lagos and Abuja where you can get priority and fast track passport arrangements at extra cost.

You can also get your passport renewed in Canada but i hear the procedure is also hectic over there, hence the reason they all prefer to do it here before travelling.

All the best with your decision. Lets wait for some more contributions from the gurus.

Hello Gurus,

So i am billed to pick up my renewed passport this week before sending for Visa.

Please do i attach both the old passport and the new passport in the package when sending for Visa?

Am i also expected to enclose some letter explaining why i have 2 passports as the passport I used in completing my application will expire before the completion of my program, hence the renewal. Or once they see the 2 passports, they will automatically know why i have 2 passports in it. My old passport is actually eligible till 2024 but wont cover the program duration, so i thought i should just renew so i wont be bothered about passport renewal and the remnant visa

My application was done in Lagos, so will it be faster to do walk-in at the Lagos centre (Lekki), or just use courier services.

Any cost implication to doing walk-in PP submission and collections? Please whats the average response time lately?

I will appreciate your responses my bosses.

Congratulations!

Please how long were you in Canada before you applied for the familly.

I just got mine and i'm thinking of applying for my family but the advice has been to travel first then apply for my family after about 2 months in Canada.

What do you think?

bayolino:
Visa ALERT!!!
Alhamdulilah! Alhamdulilah!! Alamdulilah Robil'Alameen.

Then which of the favors of the lord will I deny?? Absolutely none!

PPR for SOWP and Study Permit for 2Kids (7 and 4 years)

Application Submitted - 26th December,2022
Upfront Medical - 11th November, 2022
Biometric - 3rd January 2023
Medical updated - 11th January, 2023
Eligibility review - 11th January 2023.
PPR for ALL - 23rd January 2023.

Alhamdulilahi

Document submitted:
Letter of Invitation
Spouse SOP
Tuition receipt
Enrollment Letter, ID Card, Visa Page & Study Permit
MBS 1 Year & Bank reference letter
Fixed deposit certificates & Pension Statement
Spouse Certificates & Transcripts
Spouse WES Evaluation
CAC documents (Owned Company)
Spouse Employment Docs (Same Company) and MBS Salary
Landed Property documents
2 cars documents
Marriage certificate & News paper Published
Children birth certificates
Family Intl data pages
Family Pictures
Covid19 Vaccine card

Nothing special just God o..
I pray that everyone awaiting decision on their applications get Approved soon. Ameen!

Doyou2019:
Please anyone here has a print-out slip with no collection date on it? Mine doesn't.

It is not uncommon. I captured with my family too and infact, the enrolment IDs were hand-written because the printer stopped working and there was no indication of collection date.

I did mine at Ikeja since November 30th and have urgent need for it now. How do i go about fast-tracking the collection?

BelfastRounder:
Good day everyone, I'm in a dilemma atm.

I have a Bachelor's degree in Mechanical engineering with above 4.2 CGPA overall. I have about 5 years of work experience in the field of software engineering and intend to apply for a masters degree in computer science/Software engineering/Systems Engineering to a reputable school in Canada (Calgary, Alberta, UBC, Waterloo).

Right now I've been receiving conflicting information suggesting that with a Bachelors in MEE, I cannot get admission to study Systems/Software/Computer science as a masters degree in top Universities in Canada.

Does anyone have proof of this assertion being true?

Any first hand tale on whether this is possible or should I just abort mission?

Thanks and awaiting your helpful responses.

Since you have 5yrs experience in Software Engineering, i think you will easily get the admission. Just ensure your SOP is well drafted.

amaka4obiiiie:
Good morning. Please gurus in the house, i had my medical 7weeks ago and applied 6wks a go but my medical hasn’t been updated yet. Can I start sending web forms so my medical atleast be updated?

I believe you can. Although in my own case, my upfront medical was updated after 6 weeks of submitting application and my BVL and PPR dropped minutes later.

bullstriker:
IRCC has temporary policies that allow international students to take programs online and still be eligible for PGWP. You can complete up to 50% of your course online, and it will be counted towards PGWP up until August 31, 2023. So, you can complete your first semester in Nigeria and arrive in Canada for the second semester. IRCC implemented these policies due to the impact of COVID-19 on international students and Canadian institutions.

Thank you very much boss.

Please is it possible to do the SOWP application for my spouse before i leave the country or must i have travelled before the application for my family can be done?

Accessed:
To God be the Glory!

Its PPR.

First Time Applicant (DIY)

Submitted Nov 28th.

Learned a lot here.

Ultimate thanks to God for this.

Thumbs up to Makano and others like Johnstan for their help. Special thanks to Oloking for breaking down his success here...i was silently sapping up all the learning points in his expose. Thanks guys!!

I will drop my details soon.

Okay guys, here is my timeline

Application Submitted : Nov 28th
Biometrics Completed: Dec 2nd
Upfront Medical: Sep 15th
Upfront Medical Updated: Jan 6th
BVL: Jan 6th
PPR: Jan 6th

Never sent any webforms, even though i was planning to send updated LOA and upfront medical next week.

First time applicant. Thanks to all the gurus helping out here! Spent almost 8 months following the thread and the previous one.

Self Sponsored

Documents Submitted
LOA
SOP - 10 Pages
Landed Properties Docs
Cars' Particulars
Acknowledgement of tuition payment for 1 year (Course of study is for 2 years)
GIC 10K CAD
5 months Statement of Account (MBS) for 2 Personal accounts (N14M)
4 months SOA 1 business account (jointly owned with spouse)
Business Registration Docs
Liquidated Fixed Deposit certificates. Had to liquidate 2 fixed deposits totalling N8M into my account the month i applied. (lumpsums were explained in my SOP)
5 Month Payslips for me
4 Month Payslips from Spouse
Letter of Reference from my Employer
Several Promotion letters
Letter of Reference from Bank
Reference Letter for Pension Statement (N14M)
Marriage Certs and Birth certificates for kids.
Police Character Cert
Pets Care Cards (2)
Reference Letter from CDA
Affidavit of Support from Spouse
Affidavit of Return
Stamped PP indicating Previous Trip and Refusals

Dear Gurus, My Programme starts nextweek, though i have registered my courses for the semester already and indicated that i'd join virtually because of the expected PPR delay. My LOA indicates that i can do 40% of the programme virtually. Can I still run the whole of or substantial part of the first semester virtually now that i have my PPR and travel afterwards without consequences? Hope I wont have issues if i arrive at the airport in Canada after the first semester?

Inikay:
Congratulations that was really fast

Thanks...

I was just preparing to send webform nextweek for upfront medical to be updated.

Funny enough i had notified the school i was starting online since i already registered for courses.

Bamz555:
Congratulations pls whc of the site did u use and what documents did u submite??

Thank You

GCKey

To God be the Glory!

Its PPR.

First Time Applicant (DIY)

Submitted Nov 28th.

Learned a lot here.

Ultimate thanks to God for this.

Thumbs up to Makano and others like Johnstan for their help. Special thanks to Oloking for breaking down his success here...i was silently sapping up all the learning points in his expose. Thanks guys!!

I will drop my details soon.

Dayo96:
Indeed, what GOD cannot do does not exist!

Hello my people, it’s PPR.
Application date: October 6th 2022.
Family of 4.

Thanks a lot for all your guidance and testimonies.

Wow! See speed of light.
Congratulations!! May maple land favour you.

Please drop details, there might be something to learn.

Congratulations! Your application is solid!!

Thomsyne:
Once again, its PPRRRRR - Loooooonnnnggggg post alert!!

First off, I’d like to thank God and many members of this platform for helping and keeping things running on here.

My profile in summary: 25y/o single male, parent sponsored, Computer Engineering BSc, graduated with second class upper, going for MSc, Computational Sciences. Graduated in 2020, worked as a Software Engineer ever since then.

Timeline and Events
New Portal
First-time applicant
Applied by myself. Learnt all from Google, Youtube, and Nairaland

July 4: Upfront medicals
July 8: Application on New Portal
July 8: Biometrics Request
July 13: Gave biometrics and received on portal
** Somewhere in between I’d uploaded my medical sheet from IOM via webform. Can’t remember when.
August 4 (2AM): Sent mail to Lagos, Nairobi, London and attached my medical sheet.
August 4 (Around 1pm): Biometrics and Medicals updated to pass.
** Long wait, ordered notes, CBSA and GCMS, nothing tangible.
October 11: Sent mail to MP
October 13: MP got back literally saying the same thing on portal.
** Around this period, started firing several versions of mails and webforms.
Nov 16: MP reached out to them again – Preassessment done, eligibility not started.
Nov 17 (Around midnight): Sent mails to Beijing, London, Lagos, Abuja, Nairobi.
Nov 17 (Around 12pm): Eligibility review started on portal
Nov 17 (Around 9pm): BVL and PPR

Little story, for POF which is usually a concern, I had like 5.5M in my account, $2k USD in dorm account. 5M was gift deed from my Dad, he had 25M in fixed deposit since July 2021. As at the time I applied, the money was fixed. There were several opinions about this, but I kept it that way even though I was scared sh*tless. The closing balance of that account was 77k in fact.

Around November 9 ish, I sent updated statement showing liquidated funds and my Dad transferred the balance of like 8M to me since I’d enrolled in courses. My savings in Naira and USD had grown, I also got salary raise at work so I packaged all these and sent severally via webforms – both old and new. Oh yeah, I’ve ordered like 3 notes and I still have 4 pending lol.

I’m adding all of these because I’m not sure what did the trick. It’s pretty much a combination of all.

Docs submitted:

Consent Personal Information

STATEMENT OF PURPOSE (3 pages or so)
BIRTH CERTIFICATE
INTRODUCTION LETTER FROM EMPLOYER
PROMOTION AND SALARY REVIEW LETTER
RECENT EMPLOYMENT MAIL FROM ANOTHER EMLOYER
WORK ID-CARD
PREVIOUS LETTERS OF EMPLOYMENTS
RESUME OF APPLICANT
CERTIFICATIONS
POLICE CLEARANCE CERTIFICATE
BACHELOR’S DEGREE (B.Sc.) CERTIFICATE
WES REPORT
WEST AFRICAN EXAMINATIONS COUNCIL (WAEC) CERTIFICATE
PROOF OF MEDIUM OF INSTRUCTION IN ENGLISH LANGUAGE
FAMILY PICTURES
BIRTH CERTIFICATES OF FAMILY MEMBERS
PENSION FUND ACCOUNT STATEMENT
FAMILY BUSINESS DOCUMENTS (CAC Expired though)

Proof of Funds

PROOF OF FUNDS (APPLICANT’S SECTION)
PAYSLIPS FOR THE PAST 4 MONTHS FROM CURRENT NIGERIAN EMPLOYER
INVOICES FROM FOREIGN EMPLOYER
PERSONAL MBS DOCUMENT FOR PAST 6 MONTHS FROM BANK
(MyBankStatement)
MYBANK STATEMENT FOR USD BANK (CURRENT ACCOUNT)
TUTION DEPOSIT PAYMENT RECEIPT FROM FLYWIRE
STUDENT DEPOSIT STATEMENT FROM UNIVERSITY
PAYONEER LETTER OF GOOD STANDING
PAYONEER ACCOUNT STATEMENT FOR THE PAST 6 MONTHS

PROOF OF FUNDS (SPONSOR SECTION)
SIGNED SPONSORSHIP LETTER
NOTARIZED GIFT DEED FROM SPONSOR ₦5,000,000 (15,000 CAD)
TRANSATION RECEIPT OF GIFT DEED FROM SPONSOR
MYBANKSTATEMENT OF ORIGINATING BANK (SPONSOR’S BANK)
INVESTMENT CERTIFICATE WHERE LIVING EXPENSES OF ₦5,000,000.00k (15,000 CAD) WAS INVESTED
INTRODUCTION LETTER FROM BANK WHERE ₦25,000,000.00k (78,592.58 CAD) IS INVESTED
FIXED DEPOSIT INVESTMENT CERTIFICATE WITH BANK (I added all 6 or so of them, for every period the FD matured and was re-invested)
BANK STATEMENT FROM BANK SHOWING RETURNS ON FIXED DEPOSIT, RE-INVESTMENT AND EVENTUAL TRANSFER
INTRODUCTION LETTER FROM SPONSOR’S CURRENT EMPLOYER
CURRENT ENGAGEMENT LETTER FROM SPONSOR’S EMPLOYER
MYBANK STATEMENT FOR SPONSOR’S ADDITIONAL ACCOUNT
LAND PURCHASE AGREEMENT OF STUDENT HOSTEL FOR RENT (LANDED PROPERTY
PROOF OF OWNERSHIP FOR CARS (Sponsor’s)

Additional Documents

HEALTH INSURANCE ID CARD
NATIONAL YOUTH SERVICE CORPS (NYSC) ID CARD AND SKILLS ACQUISITION ID CARD
ONE YEAR NATIONAL YOUTH SERVICE CORPS CERTIFICATE OF COMPLETION
COMMUNITY DEVELOPMENT SERVICE (10/21 – PRESENT)
PROFESSIONAL CERTIFICATIONS
LOCAL GOVERNMENT CERTIFICATE OF ORIGIN
TAX PAYMENTS TO LAGOS INLAND REVENUE SERVICE
NATIONAL IDENTIFICATION NUMBER (NIN) DOCUMENT
INTERNATIONAL PASSPORT
SPONSOR’S CERTIFICATE OF OCCUPANCY FOR CURRENT ADDRESS
LETTER OF CONSENT FROM PARENTS
SAMPLE RECEIPTS AND DOCUMENTATION OF LANDED PROPERTY (STUDENT HOSTEL FOR RENT)
SAMPLE RECEIPTS FOR HOSTEL RENT FROM 2020 TO PRESENT
SPONSOR’S CURICCULUM VITAE

Special shoutout to makano, olokings, 7colours, bepositive, Isyma, gcmswriters, gilb231, demmy10, Iremide2019, Sanicesanice123, olutoyiin, charitojames, johnstan and many other amazing people I interacted with on here.

If I have the time, I’ll try to redact a lot of the documents and mails I used and upload them to a Google drive link – hopefully people can find them useful.

Shalom, God bless and I wish everyone all the very best.

johnstan:
My timeline - First time self applicant - New portal.

*Upfront medicals - 22nd June
*Application - 5th July
*Biometrics letter came 8th July
*Biometrics appointment - 14th July
*Medicals updated - 19th July
[/b]Medicals update change from "we are yet to receive your request" to *we did not receive your request". I panicked and sent my e-medical sheet like 5 times via webform and email before it was updated.[b]
*Biometrics updated - 22nd August.
[/b]Then the long wait[b]
*Eligibility started - Oct 26th after over 13 weeks I applied.
*Bvl dropped - 14th Nov
*PPR - 15th Nov.

My documents:
*School's LOA
*Letter of introduction from my office
*Job appointment letter
*Office ID
*4 months pay slip
*Birth certificate, NIMC slip and passport
*POF - N1.5m
*Pension certificate
*Waec certificate
*Nysc certificate
*High school certificate
*University certificate
*WES evaluation report
*Police clearance certificate.

Sponsors documents (mum and bro)
*Their passports
*Their work appointment letters
*Their work IDs
*Their affidavits and ordinary signed letters of sponsorship
*POF (N10m and N5m)
*Irrevocable power of attorney for the only landed property we have
*Birthday certificate of all my siblings
*Several family pictures.

This application was just God. My first post on thread 21 is attached to show you how nervous and scared I was.
I made up my mind and started the journey in May 2022, got admission 3 weeks into the month and came to Nairaland for visa application advice. I went through several threads before arriving at thread 21 and I was immediately discouraged with the documents I saw people packaging. People had landed properties, business/personal/sponsors accounts with tens/hundreds of millions as turnover and balance, gift deeds here and there, affidavits of different kinds, scholarships etc, so I spent the entire June gathering the documents I could.
I had over 30 supporting documents so shrinking it to 2mb was no child's play. I eventually did and uploaded without checking it. I checked afterwards and realized that [/b]half of documents were blurry and unreadable[b], I almost died lol. I just left everything. I'm not a spiricoco person but I don't doubt the God factor so I prayed the little I could every morning till PPR dropped.
My take away:
Your documents and packaging are important but at the end it's God so don't get carried away with self confidence and don't be discouraged as well, put in your best and leave the rest to God.
I had up to 15 SOP drafts till I couldn't draft any more and used the last one to apply so don't underestimate the power of your SOP and do a good job with it.

How do I submit my passport, please help.

Congratulations Brother. May Maple town favour you!

blackmaryjane6:
Hello,
Please I received a refusal from IRCC. How do I tackle the reasons please.

Sorry Dear...Just take a breather, you will be fine.

Request your GCMS notes for clearer understanding of the VO's concerns and refire.

Meanwhile, If you do not mind though, can you share details of the POF, Tuition, amount paid, self sponsored or spondored by whom...etc? Some of the gurus in house may be able to offer one or two hints which can help you towards your reapplication.

meemeelisco:
Suggested Application Status Update Format

Application date:
Medical Upfront: Y/N
Biometric date:
Biometric complete date:
College / University name:
Program type: Master/Bachelors/Diploma
Travel History: None/ Name countries
Eligibility Start date:
Background check start date:
Medical request date:
Medical passed date:
Agent assisted: Yes/ No
NL Guru assisted: Yes/ No
New Applicant : Yes/ No: 2nd, 3rd, 4th, 5th etc
Sponsorship: Self/ Parents/ Family / Company / 3rd party / Others
Additional application: No / Yes, 1, 2, 3,4

Decision

Approved

PPR request date:
PP return date:

Refused

Application refused date:

Reasons:

Have you considered the format may not be convenient to follow through. Remember no one owes you this information, so please let's not make it cumbersome for people to come back to help.

I think any format with relevant details like documents submitted, Tuition & amounts paid, POF, timelines, Travel History, no of applicants, number of application and Sponsorship type is okay.

bepositive11:
Out of curiosity, are you open to pursuing PR and citizenship? I'm asking this because you've provided solid proof that you will return to Nigeria after graduating. If you decide to pursue PR and citizenship after graduating, will your SOP backfire?

I don't think anyone will have time to go back to his SOP then

This was just to scale this particular hurdle which indeed was diligently done. Onto the Next Phase!!

…But I'd like to see his response though.

olokings:
as a follow up to putting it out there, i will give an expose' to what my profile looked like and how i packaged my application. Long Post alert.

highlights of SOP and tactics for family visa application

start with a good self-introduction: - i prepared a very detailed SOP. this was intentional because i was putting up a family

Wow! This comes in very handy!! I see the lesson on details and fastidiousness.

Thank you boss for this!

Congratulations!

Please what did you do differently in your second application?

lilangel20:
It is PPRRRRRRRR
2nd Time Applicant

Timeline.
First Application -November 21, 2021
Refusal- February 2nd, 2022
Reason: Based on personal asset and financial status.

2nd Application- July 2nd
Eligibility started- August 22nd, 2022
Upfront Medical- August 2, 2022
Medicals passed- August 14
PPR- September 29th

Documents submitted
POF
1. Funding letter (18,000CAD/YEAR) out of which school fees of 4,530cad would be paid
2. Statement of Account (1m)
3. Support letter from brother
4. Employment letter from brother
5. Promotion letter from brother
5. Gift deed from brother ( 700,000)
Home ties
1. Land Documents ( Not in my name)
2. Family pictures
3. Employment letter
4. 2month payslip
5. Leave approval letter ( stating my job is waiting for me)
Others
1. SOP
2. LOE
3. Companys cac
4. Companys tax clearance
5. Award from church

In all, I give glory to God...
This morning, I really poured out my heart to him...

The feeling is amazing...
I pray we all experience this

P: S : I didnt use MBS
Please use MBS O...

Sometimes you can't just tell on the surface what their concerns might have been until you get the notes. For all you care it could just be a silly misunderstanding on the VO's part.

This Canada thing can be really humbling!

eseosaaa:
No, I wrote to the school concerning tuition deposit and I was emailed a letter to give to thr embassy , explaining I can't pay tuition till I register for courses. Which I also uploaded in my application

Sorry...Please take heart. Breathe...take your time to order your notes and try to tackle their concerns in your reapplication. It will end in praise!

Remember winners don't quit and quitters don't win!!

eseosaaa:
Ircc Just served me breakfast
Second time applicant
July 23rd applicant
Reasons
am not satisfied that you will leave Canada at the end of your stay as required by
paragraph R216(1)(b) of the IRPR (https://laws-lois.justice.gc.ca/eng/regulations/sor-2002-227/
section-216.html). I am refusing your application because you have not established that you will
leave Canada, based on the following factors:
• Your assets and financial situation are insufficient to support the stated purpose of travel
for yourself (and any accompanying family member(s), if applicable.




My Second application was a lot stronger than thr first. My first application was weak and I knew. Reasons for my first refusal was ; I am not satisfied that you will leave Canada at thr end of your stay.

All those awaiting ppr may God do it for you.

I give up

Let me cry In peace

Express2021:
No problem but please don't mislead anyone or argue on what you're not sure of. Allow ppl that have experience in japa process to guide others. Thank you
#peace

You get wahala sha bros!

HonWise:
Hello Accessed,

Though am not an expert I wish to give a personal insight into your application plans.

*If you have your first and second tution fees, additional $10K living expenses and $5k extra, that will be a good one with the etra $3k, but if you only have those stated amounts without paying full tution or having extra funds to show that you are financially able to pay the second year fee, I will suggest you use your siblings as co-sponsor to boost your financial stand with the VO, otherwise, accept the gift deed, get an LOE in that regards stating the lump sum, your sibling can also show the transaction from his/er account with a suporting document to show the fund is legit with right intention.

* While pension does not count as proof of fund, you can also value the two lands to show as back up funds for ties and family at home, since your spouse can fund family with the enterprise, kindly get every possibly support you can to have excess of funds to cover for all your study, a year living expenses with a little extra.

* While no 2 application is the same, I will ask that you do your best without too much stress, package your documents and submit while you pray and hope for the best.

Success awaits you

Thank you!

I have been a silent reader all along. I salute everyone educating us on the forum. weldone guys!

Please I am working out my application and wish to seek guidance.

I intend applying alone even though I am married with kids. I have just enough funds to cater for the duration of the program's Tuition and related fees, living expenses and transports which I assumed to be 25K CAD (being 10k/year living expense and 5k misc) for the 2 year programme. Though i have landed properties in good locations.

Now the issue is that I do not have more than 3k CAD buffer after these amounts in my account. Would the VO not consider the expense unrealistic given my financial status? I have an opportunity of getting a gift deed from my sibling who shares same surname with me to boost the buffer, but i am told it might be counter productive because i intend applying immediately, especially as I am self sponsored and have been working for the past 10 years and expectedly should be able to fund my programme comfortably if i intend coming back. My pension is good but wont count for POF because of study leave to strengthen my ties.

Spouse is fairly remunerated with enough income to sustain the family while away. Do you advise i use her as co-sponsor instead? even though i'm thinking it's best to leave her funds unencumbered to run the home.

Please what is the reasonable rate for conversion to use? Oanda or Official Rate??

Also, Is the 10K per year living expense inclusive of accommodation?