₦airaland Forum

Hi guys,
Do you recommend mojo MA?
Have you got any concerns about them?

Thanks

Thanks for the detailed explanation.

I read about the new Renters Rights act that abolished fixed contract as from May 1. So I should be able to give my landlord notice even before my contract expires in August.

I have scheduled my first meeting with a MA. I already have mortgage in principle in place.

I will take it from there

Controlv:
1. It takes 3 months on the average from seller accepting your offer to completion, could extend to 5 months or more if the seller is buying onwards. It could also take weeks to months to find a suitable house depending on the Housing supply in your desired area, so I would say now is a good time to start.

2. Braclays has been offering mortgage to people on work visa so you should be fine. Your mortgage advisor will access your situation and advise.

3. You're okay with 10% deposit

4. We started by looking for a free mortgage advisor. Searched on Google maps for MAs with plenty of 5* ratings. Booked a F2F appointment and got our AIP sorted a few days later. Then we started looking for properties that meets our criteria in our desired area, this took 2 months before we found 1. We put in our best offer and was accepted within 1 week.

The mortgage advisor needs to be notified once the offer is accepted so they can get the full mortgage application in for you. The Estates Agent will request for the details of your MA and solicitor. Both the EA and MA would want you to use their recommended solicitor but don't do it. You can shop for solicitors quotes online and go with a good one. We used Setfords, although not the cheapest, but the service has been great.

We paid for the search first then did survey later. Looking back, I think survey should have come first before the search but we were very lucky that the survey results came back without any major issue and ony few minors like EICR and Gas safety inspection.

It's more of corresponding between you and the solicitor from this point and they'll guide you through.

We're also on a rental contract until May. We started viewing properties in September, found one in November and we're still here. We did inform our solicitor of our situation regarding the rental contract and they've informed the sellers solicitors of when we're looking to complete. One should be able to delay competition for 2 weeks I suppose.

I would say be careful with recent builds. Ours is 15 years old and we were okay with the service charge until we got a shocker few weeks ago that we needed to pay the estate management company almost £700 for deed of variation and security deposit. We nearly pulled out at this point because it doesn't just make any sense to us considering the annual service charge is just 1/3 of the fee. We were ready to forfeit the search and survey fees but had to swallow the bitter pill after another round of vieweings for 2 weeks without any results

Hello gurus in the house. I dey greet una oo.

Firstly I'm impressed by this platform, having read through, I wish to get a mortgage this year but I need guidance and the steps to take.

1). My rental contract expires August 2026. When is the best time to start searching for properties and mortgages to buy me enough time? Can I technically delay the process if it would be concluded too soon? My target completion date is between July and August this year

2). I have over two years left on my visa.



3). I started Iisa for i and my wife since 2024 and we have saved up to 10% deposit based on our budget.

Can someone explain to me the steps I need to take and the right order. From searching for a property to doing a survey, making an offer, getting AIP, shopping for mortgage, life insurance etc.
I would really appreciate

Good morning great people,

I have HND and currently in Nigeria, can I get MSC admission directly in NZ ?

If not, are there top up courses I can do? If yes, would I be eligible to travel with my partner on the topup course

Thanks guys for the information. We would make adjustments to reduce the frequency of the visits

Good afternoon great minds.
I have a little concern I wish people who have had similar experience to help me with.

My MIL already has utilised her uk 6months visa last year when she spent 5 months in the UK.
Now, she has a two years visa and this is how she intends to use it:


First visit: Spend 5 months 3 weeks in the uk, return to Nigeria and stay for 6 weeks.

Second visit: Spend 5 months 3 weeks in the UK, return back to Nigeria and stay for 8 weeks

Third visit: Spend 5 months 3 weeks in the week , then return back to Nigeria and spent 3 months, then apply for visa renewal.

In accordance with the rule, would these be considered "frequent visits" and make her visa renewal difficult and possibly not be allowed entry at the POE?
I would appreciate responses.
Thanks

b31164707:
Exactly and you really can't blame them because there are Nigerians who have consistently abused the privilege of being granted visas by either overstaying or using their visas to immigrate illegally, making it harder for genuine visitors to be granted visas. In this context, would you consider an applicant who has been previously issued UK study visas in 2016 and 2017 as a first-time applicant?

Certainly not. I would nit.

Jolene474:
Hello Giselle,
What about my cousin who didn’t have a single travel history nor had parents or siblings… not even an asset.
They gave him the visa… isn’t it funny, I just think it depends solely on the officer reviewing your application, some are more experienced or detailed that some..
Imagine an officer pointing out bank salary narration…
I feel I had more ties than my cousin but he got his, so I just think it mainly seats with the officer…
They gave someone visa with 4M naira in his account.
I can only say it’s God because the red flags were so much that even him couldn’t believe.

You are right my dear. ECOs use their discretion most of the time.

However, having followed this thread for more than 2 years, my advice to applicants is that once you are a first time applicant and young (perhaps 50 and below), you MUST block all loopholes. Make your application water tight, bcs the first impression of the ECO is that you won't return.

Anyone who reads this thread extensively and digest people's denial letters stand a chance of getting visa approval.

Wunumy:
Hello house!
Please I have been a silent reader
Applied for a visit visa for my mum and I just got this tonight and I feel so down,please how what can I do to get a positive response,I plan on applying again
Thank you for your response🙏

Sorry for the refusal.

The first red flag I can see here is the budget of over £5k for a less than 1 month visit. Omo, it is too much oo. It connotes desperation and raises an eyebrow as to the importance of the travel given her paltry annual income as a petty trader and expenses. My MIL's budget for a 2 month visit was just £1.5k.
Another factor is age. If your mum is in her 50s or less, ECOs tend to scrutinise such applications heavily and pick minor things and hold them against the applocant. So one needs to be extremely careful in making an application for such person.
Lastly, just like someone said. It would have been safe to say she was unemployed and safe yourself the stress of explaining.

Lastly, try and get a letters of consent from Dad and family members in Nigeria as home ties to backup her application.

b31164707:
Congrats. How much did you budget on the application and how long are you planning to visit?

Budget: £1.5k just for flights and miscellaneous.
Duration: 2 months
Will stay in daughter's house

Annaapril:
Please did anyone do biometric December 20th and got reply yet.

Yes.
Collection mail dropped on Jan 3.
Passport delivered on Jan 8.

Visit visa (2 years)

b31164707:
Congratulations. How long is your mother-in-law planning to visit and does the £1.5k budget include flights and exclude accommodation?

Duration I stated was 2 months. £1.5k is for flights and miscellaneous. She will stay in my apartment.

Castro9371:
Congratulations 🎉🎉
Can you please share the documents you submitted

Wify(sponsor):

1). BRP
2). Proof of accomodation (tenancy agreement)
3). Proof of r/ship with the person(pictures and birth certificate.
4). 3 months bank statement (Just salaries as inflow). £4k bank balance. Budget for the trip was around £1.5k
5) employment letter.

6). Letter of sponsorship and invitation.
7). International Passport

Mother in law:

1). Employment letter and retirement letter
2). Cover letter
3) International Passport.
5). Bank statement of around N100k balance with lots of irregular inflows. I guess ECOs are not strict on this when it involves a retired and aged applicant

busybeei5:
Congratulations, when was her biometrics?

December 20.

Lagos Ikeja

Demmybim:
I had to go to vfs to get the tracking details. But usually, you'd be called within 4 days of pick up mail.
All the best

Visa alert!
2 years granted for mother in law.
It took GIG 5 days to deliver the passport. Very poor service even with the 44k paid for courier.

giselle237:
Strange. My brothers got dispatch email dec 31st in ph, passport delivered jan 2nd after new year’s day holiday. Check that you didn’t miss any calls from a number.

Really disturbing. Those anyone know how to track the passport delivery or a number to call bcs I have no tracking number?

To people who are yet to apply for their visa, my advise is DO NOT PAY FOR PASSPORT DELIVERY.

During the time of TLS when DHS was the courier service company, within 2 days after receiving collection mail, your passport is in palms. This time around, I'm entering my 5th day, still no phone call from GIG. This is too bad.

If someone had picked the passport from VAC and weighbilled it, I would have gotten it since 2 days ago.

I'm still waiting for the passport delivery. Port-Harcourt. I will go to GIG office today hopefully. It should be approved bcs it is her second visit visa after she used her initial six month visa

[quote author=Demmybim post=133609053][/quote]

Nawao! This is really a downgrade even with the huge courier service fee paid. From DHL to GIG.
In my next application, I would consider pickup from VAC directly.

giselle237:
It is now GIG these folks are using.. no DHL. + no tracking details…
Just pray there is a GIG branch close to you and for the next few days pick up unknown numbers calling you as they maybe calling to get delivery information.

Congratulations.

I got the same email this afternoon for my mother in law's 2 year visit visa. It means the visa was approved since there was no accompanying refusal letter.
She did her biometrics on 20th Dec.

Demmybim:
A decision for GWF reference number GWF080341275 was received at the UK Visa Application Centre on 03-01-2025. If a courier return service was purchased from VFS, your passport and notification of the decision will be delivered to the chosen address. If not, your passport can be collected from the UK Visa Application Centre during the designated passport collection times (Please check our website for details). - VFS Global


Pls i got this today, my bio was on the 11th . I didn't get any mail from the ukvi as pwr decision,, what does this mean pls

Schoolhike:
Lots of factors, maybe someone within the team with Lower grade was also interviewed, that’s just one, can’t continue to list them out, also lots of candidates jostling for one position, etc just continue and never get tired at least you are getting interviews (more chance), some aren’t getting any.

Being placed on the reserve list means you are worth giving the job, continue and soon you will be back here to share success story.

Thanks for the reply. I appreciate

jesmond3945:
many interviews mean one thing. You are about to get the job.

Thanks for your encouragement

Elders in the house,
I don tire to do these civil service interviews. So far more than 6 done ( I got on 2 reserve lists for EO and HEO roles).

What exactly do they really want? How can I secure an offer? What should I do differently?

I speak quite well and confidently during interviews. I structure my answers to the behavioural and strength questions quite well.

I will appreciate any word of advice 🙏

LaXxOnebody:
I was put on the reserve list in March 2023, Im still there. Followed up a few times.

Honestly i dont expect anything from it again.

Nawao. Thanks for the reply

Gurus in the house. I have got the TFL customer service assessment (i passed the onlinevtest) coming up.

What should I expect on the day please?

hayesconcept:
It might be a week or months. You can only be in reserve list for a maximum of 6 months. I was also place in a reserve list for an EA role in November but later secured an higher grades with another government agencies and I went with them. They later contacted those on reserve list in January. I wasn’t later contacted because I withdrew my application immediately I secured that better role.

Ok. Thanks for the reply.
The guy said he was placed on the reserve list for 12 months. He has to be patient then. I advised him to be searching for other roles too.

Zahra29:
If this is a sponsored role, he will need to have a skilled worker application submitted before the 4th of April, or the role will need to meet the new £38,700 income requirement

It is not a sponsored role. The person is a dependant already on a HCW visa.

Joyglo:
Goodmorning my people. Please oh how much does it cost to do an eye test? I have a friend complaining about eye problem

I did mine at Boots. £29.

Elders in the house.
Civil service just put my friend on the reserve list for an EO role. I want to ask on his behalf, how long should he expect the actual appointment?
People who have been on the list, how long did it take b4 you were appointed?

So, the whole of February 4, this thread recorded just one post ? This is serious!!. How quickly things change.
Currently, the Oando rate is a whopping N1,613. In mid 2022, it was as low as N490 at a time.

This is a huge lesson about life. Time waits for no one indeed.

tommee:
Hello Gurus,

Please i got the below e-mail after 2months of waiting for my child dependent visa, i did not submit any financial document from lagos state government does anyone know how to respond to this. The financial document document submitted was from fidelity bank but fidelity was not mentioned in the email. please guyz i need your professional touch.


The UK Decision Making Centre is currently assessing the application submitted by the above named. We are unable to conclude the application at this time as we require additional information.
When considering an application we may decide to make verification checks of the evidence you have provided to help assess whether you meet the requirements of the route under which you are applying. Under Appendix Finance paragraph 2.1(a), we must be able to make satisfactory verification checks in order for the financial evidence to be considered.
We have tried to verify the financial documents you have provided from LAGOS STATE GOVERNMENT, however have not received a response from them. If we are unable to verify the documents with LAGOS STATE GOVERNMENT then I am unable to consider them towards you meeting the eligibility of Appendix Student. If you have alternative evidence that shows you meet the finance requirements, please submit it to the email address below within 10 working days. Any submitted evidence must meet the requirements set out in Appendix Finance and Appendix Student.
If we do not hear from you or from University of Derby within 10 working days, your application will be considered on the information available to us at that time. If you wish to submit any further evidence to: Sheffieldstudentteam.docrequestsInternal@fco.gov.uk quoting your application reference in the subject line. Please attach the document directly to the email as we are unable to access links to files hosted on sites such as Dropbox™ or Google Drive™. Please also include a translation of the document provided if it is not in English or Welsh.
Please note we are unable to receive emails and documents which are over 25mb in size. If your documents are over this limit, please send them over multiple emails to ensure we receive your documents.

So sorry about this. If you are sure you uploaded a bank statement from Fidelity bank and not Lagos statement as stated by the UKVI, then you do not have anything to worry about. Just reupload your bank statement and follow up on your bank to respond to them. Please, attach a well detailed cover letter Letter explaining that you did everything right in accordance with the rule.

UKVI is making plenty of mistakes on people's applications these days. I can assure you that you are not alone on this.

solid3:
Pls did you send her own account statement? Because I want to apply for a family visa, I'm sponsoring my wife, she's working and earning salary, do I have to include her account statement?

Yes I did. But her balance was not up to 200k