₦airaland Forum

You should be free by now just a reminder.

Diplomacy2020:
…, real estate wealth was not created by paying off your mortgage rather it comes from the increase in value of the property. As the value of your property increases, the size of your loan decreases.
That is why location is the utmost priority in real estate deals. Don't just buy a house cos of its proximity to your workplace or school. There are various websites that project property values(both sales and lettings) within your localities. I used one of them when I was buying. I will look for it when I'm free.

Any knowledgeable persons here? A few of my colleagues have mooted this same idea

Goodenoch:
Does anyone have experience setting up/running real estate investment partnerships among friends? I recall madam Ticha mentioning a partnership between her family and other. Has anyone else done anything similar, especially for a larger group (like 5 or 6 persons who are close friends with lots of history but who'll also be putting contracts in place) looking to purchase multiple BTL properties?

My initial research is that it's best to do this as part of a LTD. Just wondering if anyone has any other insights as to what might make this work well, or if it's a good idea in the first place.

Congratulations!
where is the house party?
when you have the time share your lessons learnt from your journey.

PrettyPacy:
Short post alert…
Good evening everyone, I have come to give God the glory and appreciate everyone here who encourages and give free and detailed information about mortgage, thank you. I got the house keys today and the feeling can not be described… thank you everyone, thank you.

Oya give update. No dey just give teasers

ukay2:
MARKET ALERT...

GOOGLE share crosses $190 from km $86


COSTCO crosses km $1,000 from km $500


TIME in the market is always better than TIMING the market

After buying your house, the next good thing to do is to invest in the USA market....thank me later

Congratulations @Babajeje, you no do jeje with this one though. You were pragmatic. Abeg which broker you use, as e be like na the same area me and you dey judging by the names of builders you've mentioned.

080bjaked:
4.7% for 95 LTR? That's a good one?
What lender please?

lightnlife:
Not a bad deal.

Got the same figure last week on a 10% but didn't lock down as the offer hadn't been accepted. Checked with another broker this week and the best rate was 4.8%.

Hoping things would have improved when I'm eventually ready.

Do these rate providers take into consideration ones status in the UK (i.e visa or ILR holders) to make these offers?

To Elders in the house

At what percentage does additional deposit fund make little or no impact in the overall monthly payment.
For instance anything above 20% does not yield a lot of changes in the monthly payment.

That leads to the question of what is the best percentage of downpayment

Which Schengen country is fast with visa issuance and a good place to visit? Any suggestion?

missjekyll:
Surprising question. Would you like to read the thread first then ask any question that hasn't been covered already? Probably best to do that

I seem to understand the question differently. Is there any single (unmarried or an individual) person who have bought a house here?

@Ticha @justwise @lexus

Is there anyone familiar with life insurance policies?

Please someone is trying to sell me life insurance, should I go for it? What are your thoughts on life insurance in the UK? what are the best policy and what product should I be looking at? Thanks.

Hi peps,

I applied for a dependant visa for my child. UKVI is asking for Evidence for Financial Support. They asked for 3 months bank statement of parents and another bank statement for the child showing receipt of support. Now, Dependant Child is just 3 years Old. I applied within the UK. Any suggestions as to what could be provided?

NB: Child spent sometime with Grandparents in Nigeria so not qualified for 12 months waiver.

Thanks all for this very educative information in here.

Can any one help give a summary of step by step process involved in FTB Mortgage. If you can help suggest a timeline too, that will be helpful.

Wema is okay, just let your account officer know.

ndidibabe:
Don't use this kind of local bank else you may get denied...

Christy,

If you have indicated that you and your dependants are using the same finance evidence in your application, then your upload is sufficient.

As regards change of name affidavit, you don't need to upload that since you have uploaded your marriage certificate. However, if you feel more comfortable doing that, they can help you in TLS. I am assuming that, the change of name is due to marriage here.

Cheers

Christybibi:
Good morning everyone

Pls I need your advice

Pls as an applicant, I chose self service and uploaded a marriage certificate before submitting. Should I take change of name affidavit to TLS centre for upload, is it necessary

Also I as the main applicant uploaded Bank statements, does my husband who is my dependent need to submit the same bank statements I already uploaded since we are traveling together.

Pls today is my biometric appointment at TLS Ikeja

Where can you be located? It is the address that you are staying. They often come around to check o.
.

Tybello101:
Pls Fam quick answers will be appreciated!
While Filling the passenger Locator Form, am I supposed to use the address of where I will temporarily quarantine at or the school accommodation address were I will be permanently staying?
Answers pls,
Thanks.

When do you want to apply? You can do Super Piority if you get the money. But it may take more than 24 hours, this is peak period.

Ipajaprince:
My school resumes on Sep 20 though lectures start on Oct 4. need not waste time

Congratulations! My suspicion was that your application was handled in Pretoria and they could want to confirm a thing or two from DHA

Kbalinger:
Hello, pls see the message I got this afternoon. Does it mean I have been granted visa?

Please why are you paying for Super Piority, sir?

Ipajaprince:
@fetomowo,@fificole@Dumebi213 and other gurus in the house, after paying for super priority,will i still pay for using premium lounge at the center to submit biometrics?

Done sir

vvansalam:
Please I have sent you an email. Kindly accept so we can discuss

No. You accept an offer to study with them. They confirm your place. You can accept it immediately. If you reject, they give your slot to someone else.

The deadline for payment for January will be communicated. It is usually in the first week of December.

However, with the high volume of applications this year. The earlier you pay the better cos the deadline may be sometime in November from the trend of things.

bujebudanu1:
Hi teeside faithfuls

I received a conditional offer with 14 days to accept the offer and provide deposit and other documents to get an unconditional offer..


So my question is , is the 14days my deadline to pay deposit or to accept the offer?

This is crazy.

A glaring error. What was the ECO thinking. Please go and do your AR. If you need some guide, let me know.

vvansalam:
Guy please I don’t understand. My dependants were denied visa. We still have 13,600,000 naira in the account.mind you, I paid my tuition. Please has anyone gotten anything positive from administrative review or do I just reapply?

Chai! Painful. 28days is 28days!

Wait a minute! He had already submitted a 28 days PoF before Biometrics? Was the money moved within those period or after?

Beeyems:
Hey people, please help! A friend of mine who had applied for his visa and done biometrics and everything, his dad moved the money from the account to do something and apparently his dad didn't know the money must remain untouched, and now he's gotten a refusal letter, is there anything he can do, because the money is still available, the dad just moved it?

We're you fined by SA? If yes, did you pay the fine.

Was that the only time you ever overstayed?

Anyway, you should prepare for Interview.

You will still get the Visa, hopefully.

Kbalinger:
Hello good people of nairaland. I need advice on my delayed Tier4 visa. I applied to study MSc Artificial Intelligence and Data Science at the University of Hull and my class starts September 20, 2022(next week monday). I submitted my visa application on the 1st of August and completed biometrics on the 3rd of August (paid for priority service)but up till moment(30 working days), no decision has been made on my application. My school latest/alternative start date is October 15, 2021 but I need to observe the 10 days COVID 19 isolation so I should be in UK latest by October 4, so time is of the essence. I have sent paid mails twice and made escalations but the same reply I get is that my application is under processing. Earlier this year I visited south Africa and overstayed for some few days due to circumstances beyond my control and this got me a 1 year ban from south Africa which I stated in my UK visa application. A week after applying, I got a non straight forward mail so I suspect it could be because of the ban. What can I do in this situation? Is it possible they grant visa after school resumes? What can such a visa be used for since I can no longer join class? Should I withdraw my application?
I am deeply worried. Please help a sister

Visa Alert!

Family of 3

Milestones

TB June 2021
Tuition Deposit June 2021
Submitted PoF to Uni 26th July
CAS letter 24th August
Closing Balance SoA used for Visa - 6th August
Visa application 25th August.
Biometric: Walk in (Victoria Island) 26th August
CAS Used mail 28th August

Collection mail for Main App - 03 Sept.
Collection for Dependants 10th Sept, 2021
(Piority for Main applicant, Standard for Dependants)


I submitted only what was asked for.
Declared travel history to a number of countries.
Self Upload.
Dependants Paid extra 38,000 (?) each for PrimeTime appointment, when we couldn't find dates for appoint.

Awesome Journey!

Iya Charlie, I am coming for my pounded yam, please keep it warm.

Good airline. Used it before, I am not sure there will be a direct flight from Lome to London. You need to confirm that. If there is a stop over make sure it's not Addis or anywhere in Ethiopia.

They have a codeshare or some sort of agreement with ET. Please ask questions before you book with them. They do fly direct to some destinations though. I still used them earlier this year.

Eldersege:
Pls who has used Asky Airline? It's private airline in Togo.

Togo is under UK amber list.

1) Can I use Asky Airline?

My alternative is KLM but the price is about N150 different. I want to avoid Qarter since price is similar to KLM.

2) Do I need transit Visa for KLM, do I intend to Kay over with the airport.

Your advice will be appreciated.

Send a copy of your visa to your university Compliance Team. This is standard practice. They can then confirm your application as successful.

ukapplicant:
Hello good people, my friend application (standard) has taken about 1 month now and the school sent her this message. What does it mean?

If you can share it here. The experts are here

Peacecharles:
Good evening all.please I need an expert that can go through a refusal letter and suggest a possible solution.you can email me on this.peacecharles1122@gmail.com.its urgent!

Congratulations! You need to bring a fat cow to the Bishop o

naijatisumi:
Visa Alert


Fast forward to my application, I applied a week after she got her visas with the kids. Note I have a UK refusal where I claim single and no dependent in 2018 but was married and had a baby. But GOD came through for me. I fasted and prayed and GOD heard.

Application submission - 1st September
Biometric- 1st September
No Non-straight forward mail
No interview
Application moved to VAC- 6th of September
Collection mail -6th of September
Visa Received-Right away
2 USA F1 visa refusal declared
2 USA F2 visa refusal declared
1 UK visa refusal declared
1 Spanish refusal declared
1 SA visit visa declared

My visa came out in 6 days. GOD DID IT , there is absolute nothing GOD cannot do and am a testimony. May GOD answer everyone else awaiting there visas or having one issue or the other.

May GOD bless all nairalander. I learn a lot here and I ask silly questions most time but this platform raises my hope and faith and I pray I will share my own testimony and GOD answered.

Still awaiting the kids visas tho cause we used standard but I can’t hold my joy right now. To GOD be praised

She is looking for the easier route. I guess. Let her do OSPAP. It's a scarce skill. Unless she is not motivated for that career again. No point forcing her.

Danieldara011:
Got a question for people already In uk preferably in the medical line .

Which is best option for my wife
She’s a licensed pharmacist over here in Nigeria
She and my daughter will be accompanying me to Uk by January next year am going for Masters in cyber security .

And we seem to be at loggerheads over the way forward for her our plan is that by September next year she should do either


Option A) OSPAP ( pharmacy Licence conversion course to practice pharmacy in Uk .

Or

Option B) Msc in public health .

Tho she’s in favor of option B.
But am just after whichever is most lucrative career wise

The must have blind copied you. Speak to your account manager to confirm if they got an email from UKVI. You may forward your copy.

cedar3:
I received a mail from UKVI Pretoria about the verification of my bank statement, though it was addressed to the bank not me, however, it didn't show that I was copied in the mail, just sent directly to me. And I don't know if my bank has responded to them. Is this the normal M.O pls?