₦airaland Forum

Hkana:
What's the difference between this mono bank and the others like HSBC, Barclays etc? Cos I'm trying to open an account with them and they are asking for proof of address.

But I don't have any bills in my name yet.

You can open monzo and use the monzo statement as proof of address for hsbc, Barclays etc

Lexusgs430:
Speak with another mortgage adviser...... One wey sabi ......

Thank you

dupyshoo:
I dont think there is anything like 12 month rule. However, a lot of lender might ask for 25% deposit or they might not lend. Halifax is usually visa holder friendly. So, you mightwant to startwith Halifax.

Alternatively, you can ask the lender to base the mortgage affordability on your husband's details alone.
There is always a way though.

Thank you

My elders please I need mortgage advice.

I’m on my 10th month in the UK and I want to use HTB before it ends next year. I’m buying with my husband who’s been here store a bit longer, but one mortgage advisor tried to discourage me based on the fact that I’ve not been in the uk for 12 months yet.

I have plans to contact the mortgage advisor provided by my employer, building societies and my salary bank till I get what I want.

I want to know two things.

1. if this 12months talk is a real thing so that I’ll wait.

2. Anything I can do to lock it in when 12months hits.

Our credit scores are excellent and good and I’m working on mine and it’s very close to excellent.
Any good tips or advice would be greatly utilised and appreciated.

Thank you for all the sweet and harsh advice, I Dey collect all. My people use Nairaland to yab me but this page has helped sooo much.

Osoderi:
please i heard that age factors also affects buying house in the UK. Does age factor affects pls? like if someone is 45 -50, can the person buy a house?

Then someone that have a permanent job and been paid £1600 every month, and keep saving £1000 every month for two years to have £20,000 down payment, can that person be able to buy a house with that kind of salary? Must my salary be bigger than £1600?

Thank you for your response.

Disclaimer first, I’m just speaking from acquired knowledge. Correct me if I’m wrong.

Yes, you can buy a house.

Mortgage end age is 65-80. Most lenders cap at 70-75, so you’ll have about 25years to pay back which is good.

Lenders will give you around 4.5 of your annual salary, your expected mortgage is dependent on if your £1,600 is before or after tax… so you can just do the calculations yourself.

You don’t need to use the full £20k on deposit, your deposit will probably be £10k… you can use the remaining £10k on renovations and upgrades as you’ll most likely buy a “not-so-new” house.

Dami106:
Got the visa while i was still employed, later resigned to focus on my side business which i was actually doing before, while i was still employed. But i will place someone in charge to oversee it on my behalf before traveling for vacation

It’s possible you switched to remote working after your one month vacation ended….. so you were actually working during your stay.

Hello Elders,

Happy Friday. Please how can I call Nigeria free? Apart from WhatsApp

mizGene:
Go and tell your school or your work place you outsourced your project since you are proud of your nonsense.

Case closed.

harwe:
I am actually working but i am getting worried.

Download the HMRC app, verify your identity by answering the questions correctly. You’ll see your NI and other related info on the app.

justwise:
[/b]

Feel free to redefined poshness but i see nothing posh about Newcastle or people from there, yes they have some well-known celebs and maybe some posh post codes but in general Newcastle is not talked about in that sense.

It’s not posh to you, it’s posh to me. My definition of posh is not based on what people talk about and I don’t know any of their celebs.

TheGuyFromHR:
Newcastle is in the north of England, and unfortunately the attitude of the south-eastern part (read London and that area) towards northerners is somewhat like the way some Nigerians perceive northern Nigeria, and the strong accent in northern England is certainly far from being "posh", in the sense that that word is used in this class-ridden country. A person with a northern accent would most likely be stereotyped as being working class.

I meant Newcastle. Not the accent.

justwise:
Newcastle accent posh?

Not the accent, Newcastle itself.

Newcastle is nice, clean, it’s kind of posh, cold, the natives are nice and have a strong accent, huge immigrant community because of the universities and cheap accommodation and transportation(one card for train & buses) compared to most major cities.

AnaCheks:
I've been following this thread keenly and I haven't heard much about Living in Newcastle. The life(wether expensive or not) , accommodations, work etc. Please my elders throw more light on Newcastle

Mamatukwas:
Wow. Isn’t that a bit much?

Hi mama, please I sent you an email.

elisinho:
I'm in sunderland I no see goat meat e dey south shield make I check boss?

I never know. I just enter South Shields. If I get some info, I’ll pass it on

Hi elders, property & LISA experts,

Please should I open cash lifetime isa or stock & shares lifetime isa?

Please I need help with 2 things in South Shields, Newcastle.

1. What broadband should I use? I’m considering sky because of tv channels.

2. What energy provider should I use? The cold here no be joke and it’s looking like £5 daily.

mex551:
call this number 07960397322. He has a three seater vehicle like Sienna. Tell him you are from Emeka in Coventry

Thank you so much. He did well… was on time, good price, good speed and he asked of you.

Lexusgs430:
If you don't have a license, look for someone with a valid license, get them to hire a van, give him/her small brown envelope for their time ......... Job done ....

Thank you. I’ll use this next time.

Hi,

Please can anyone recommend any cab/van driver that can drive from Luton to Newcastle? A van is preferred, but I’m open to suggestions.

Hello elders,

I have come again. Please does anyone know if NHS relocation allowance can be used for some of the costs associated with the mortgage for a first home?

Abisola2021:
Good morning people,
I applied for my NI immediately I got my brp 2 days after I got into London. I used my hotel address hoping it'll be ready just like the brp
Please I need help. I got a job through a referral but I couldn't push through because NI was requested.

Pls help...

Download the HMRC app, follow the steps and answer the questions correctly. That’s how I got my NI, I’ve not seen the physical letter till today. You can do a lot with the app.

kode12:
@justwise, @ticha, @lexusgs430 et al.
House, does anyone have recommendations on good mortgage brokers?
I’m looking for a lender but these people are a pain if you don’t have five years history in the UK. A professional might be able to work some magic.

I don’t have personal experience but from what I’ve learnt from Ticha.

1. walk into your salary bank
2. contact building societies eg Coventry, Swinton, Dudley - they'll talk to you and refer you to brokers they will deal with.

Ticha:
Only applies to a periodic tenancy. If it's fixed, you're liable till the end of the fixed period. Any non paying tenants, I'd do a MCOL and ensure a CCJ also follows. At least the CCJ drops off after 5 years but will show up in any extended credit search. A MCOL remains till it's paid off or written off by the person owed.

Hi Ticha and other gurus,

Please I need info on property investment.

Can i use HTB or 95% mortgage & LISA to get a HMO if I plan to stay in one of the flats?

Please can I use BRP for lemonade finance registration

jedisco:
Another thing you could do... Just like someone mentioned above is ask for feedback on how the interview went/areas you could improve on. If they ask why, you could say to reflect on it and to help you in future interviews.

The feedback culture is well taught moreso in healthcare jobs. It helps folks learn continually just like a self-maintaining circle

Thank you. I just started that.

jedisco:
Do you ask those interviewing you questions at the end of the interview?

Ask them stimulating questions about career progression/opportunities (not pay) and you might just leave a good mark or finish on a good note. Every employee wants to employ folks who are driven

I Dey ask oo. Every disappointment is a blessing, every rejection is a lesson.

Congratulations to her. I tap into her blessing. Abeg they should call me back…

mimilyrics:
That's a line that is used quite frequently as people with prior NHS experience (Bank, FTC or Perm contracts) are preferred. This is why I mentioned joining NHS banks / Vaccination Programs (sometimes the vaccination bank is different from the regular Trust Bank).. She'll be resuming as soon as she gets her decision on her work visa.

umarwy:
Skilled work visa no be beans... I have applied for at least 400 jobs since november.


visa status T1 Entreprenure

After all the praising and smiling, na unfortunately I Dey see. One day I’ll see congratulations. I’ve put more focus on NHS for now, looks like they have the same questions.

mimilyrics:
I'm glad that they gingered you. I'm rooting for you..
Target the band 5 jobs as that's where most Trusts start with the work visa sponsorship for admin-related positions.

last interview I did for band 5, they said I should go and get NHS experience and come back and apply for band 7. Na there I hook before I saw your postings, I’ve gotten offer letter for HCA sha. Make I see wetin they go talk again.

Since nobody did it.

I just want to rant please… interview don tire me. One excuse after the other, I’m taking notes and getting better sha(in my mind). Work visa sponsorship no be small thing o,

I’m tired, but we move

@mimilyrics thank you for posting those jobs, they gingered me.