₦airaland Forum

profemebee:
thanks for making it worse lol

How do people manage the timeline considering they're not in control of when the mortgage is fully completed

Gerrard59:
I have never read Americans or South Africans or Singaporeans or Ghanaians used "borrow" instead of "lend". If an elite Nigerian like Iyin can use "borrow" rather than "lend", then it is finished. None of those nationalities' elites used "borrow" rather than "lend". None of them also argue stoopidly that "English no be my papa language".

Regex:
Baba no mind this people. English we speak and learn in school is quite different from what is spoken here and used in learning. When I came to UK I realised that either the British taught us rubbish or as information over time whether formal or informal lose its form and or to an extent value as it gets handed down from generation to generation. Another I am speculating and I have everything to believe given situation of things surrounding us is that we were taught and we refused to learn. That IELTS is a snippets to how English is used here and honestly I do not want them to write it off.

gidjah:
That means my friend Doctor Ken will be a proud owner of a new car hmm! I celebrate you brother ken , your wait and acceptance of d ebonyi job was worth the while, congratulations doc.

Solumtoya:
A friend of mine just left the UK for Canada. He bought his house here some 3 years back. He rented it out and last I heard, he was trying to sell it. So, for anyone who is holding out because he intends to relocate, remember a house is an asset which you can sell. Just ensure you buy at a good price so you can easily sell without loss if need be.

Nicepoker:
A nigerian girl is like a summer weather surrounded by a winter constitution. Always keep them where they belong. (The back seat). They don't even know what they actually want.

Thewritingnerd:
Wait. Which coin was halved? Been a hottt minute since I paid any attention to the markets 😩

cbn4main:
Bro, does one need another COS from their company to apply for a visa extension assuming their 3 years SW visa is about to expire?

arthurwillia:
Wow thank you
I’m currently in Bedford and started Lisa, 2 bed houses are like 250k and above. Is it something you’ll advise someone earning 35k to venture into and then rent to lodgers?

Are you in the north?

Lexusgs430:
[/b]

What later influenced your change of decision to buy........ 🤣

Or rent money is dead money, did not sink deep enough......... 😜

NewT123:
You are right, no need to ask for cancellation as you can have more than one COS. When you get a visa with a COS, the other COS automatically becomes invalid.

arthurwillia:
Congratulations
A lot of questions, is it advisable to start with leasehold or freehold as single guy?

Can I speak to you privately for lengthy talks too?

Lexusgs430:
Final shot.....

https://twitter.com/BBCr4today/status/1743219627742605403?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1743219627742605403%7Ctwgr%5E%7Ctwcon%5Es1_c10&ref_url=about%3Ablank[/quote]Me thinks the depth of this market dip happened in August-October. Perhaps I'm biased but after having trailed the market for over a year with stubborn inflation and house prices refusing to 'crash' as expected in nominal terms, the unexpected 0.5% rate rise in July showed folks that BOE meant business. That was the turning point with inflation and there were significant drops within 1-2 wks on rightmove. I able to push down price and eck some extras from my builder.

I think in this year, prices rise slowly (under inflation i.e a some loss in real terms) or at worst flatline.

zeke100:
Thank you

It was a 5 yrs fixed. I mean 2 years stay in the UK.

The first AIP was 5.6% for 5 years and 6.2% for 2years but got 5.4% for 5 years on the second AIP.

It took a lot of back and forth before going with 5 years though.

Solumtoya:
My Solicitor's fee was definitely high (even though it includes about £500 for Land registry and Engrossment, still high). I noticed late so I just went ahead. If I changed Solicitor, I would have saved over £1k.

Short Answer to Snagging: Yes, it was worth it.

Long answer: It depends on how perfect you want your house, how much you trust your builder and how much you truat yourself.

moshuur:
Wow...nice seeing u here.

Pls are u coming back to crypto thread?

midey93:
Most of them don't, the ones that have licence are saying they have exhausted their quota.

zeke100:
TESTIMONY TIME 😁

COMPLETION DONE AND KEY IN HAND

Barclays 5.4% 10% deposit with 2 years in the UK.

It will be ungrateful not to appreciate all the knowledge, nudge shared on this platform. As a silent reader for 2 years, following keenly, I appreciate everyone contributing to the topic.

Special thanks to Lexusgs430, taking his time to reply messages when contacted and even enlightening me with scenarios over the phone.

To anyone hesitating, It is possible.

arthurwillia:
Is there any single person that have bought house here??

Solumtoya:
Not hidden but little costs here and there that could add up. The only major one really is the Solicitor's fee which is like £1.5k to £3k. With a New build, you have to furnish, etc depending on what the Builders are willing to do or not do. With an Old build, you might have to fix a few things.

If you're like me, I would say "no think am, just put head". If I realised I would be spending so much, I would have waited for another 1 year to save up but it was better I didn't know cos I have spent so much but just one day at a time.

I have put down below some of the extra costs for me and I didn't include things like Sofa, Transport for the various times I had to go to the site; and numerous purchases to furnish the new house. Most of these may not apply if it's a house that's already furnished. The Upgrades are things like fridge, spotlights, extra taps and lights, turf in the garden, etc.

Akhat:
Good morning house. My wife has been applying to different care homes and agencies for sponsorship. She recently changed job from Domiciliary care worker to support worker and her agency does not sponsor. It's been difficult as she is only getting offers from agencies and care homes that are not sponsoring, while she is getting rejection mails from the ones providing sponsorship. This month January will make it 6 months care experience. We have even tried outside our location (liverpool), as far as Scotland and Northern Ireland still no positive result. Our student visa expires in few months time, and presently can't afford PSW for the whole family.
Please we need help. If anyone knows of any agency or care home that is giving sponsorship should kindly assist please. God bless.

Franzee:
Am currently on a care visa..the company that issued COS have no shift...it's really been hard cux I can't get any job even cleaning...

I manage to get shifts but it doesn't sum up to 20 hours and it's not consistent... And end of the month I just pay rent and money dun finish....

Please any clue on what to do and how to go ..I dun apply tech jobs tiya with my updated resume still yet

Goke7:
The impression some are giving is that we have unnecessary sense of entitlement despite the fact that for everyone who is here they fulfilled the legal residency obligations

justwise:
Any idea the number of immigrants who pay for ihs, NI and tax but hardly use the NHS?

How much does British people on universal credit all their lives contribute to the system?

The system seems to be in so much pressure when it comes to immigrants but Ukrainers came in the system accommodated them, the govt even pay families to take them in.

Average British citizen are so ignorant of their immigration rules and policies that is why politicians take advantage of that.

triplo3:
......

That said, I think immigration should be sustainable, otherwise we overload the system and we get the same “unworkable” system some of us were running away from. When last have you visited a GP or house-hunted? There’s no doubt in my mind this “tiny-Island” is under a lot of pressure and it needs to be released somehow. I don’t like the uncertainty of the immigration laws (they should be fairly stable so people can plan and not be stranded), but how many countries are viable alternatives? Maybe Canada, Australia, USA…be things May even be changing in these countries as well. In terms of voting or making a change, not sure the immigrant vote/lobby is significant enough to move the needle.

Las las, everyone go Dey alright.

LionInZion:
Thank you! That's my point exactly. And like a friend of mine would put it it's more factual to say we're open to receiving war fleeing refugees who look like us. There's no point sugar coating it. It's unconscious bias, it's in everyone.

profemebee:
It isn't just the UK revising immigration policies

The Prime Minister of one of the largest core Anglosphere countries, Australia has said migration policies will be reviewed in the interest of Australians etc.

This was just last night..

https://www.theguardian.com/australia-news/2023/dec/09/anthony-albanese-announces-plan-to-reduce-immigration-levels-following-covid-influx

https://www.news.com.au/national/pm-albanese-warns-of-student-crackdown-ahead-of-migration-overhaul/news-story/876b3f8e57b78eb1071b71cd4533babd

Like i stated, Countries will do what they seem best in the interest of their citizens and that's fair/fine.... either you cry and cry about it Or you adapt and plan around it

Resurgent2016:
I think you are mixing a few things together.

Honestly, I cannot question if the Brits feel the level of immigration is too high. They have every right and it is not for us to rationalize what is an appropriate level.

The problem is no one has so far complained about the number of international students arriving in the UK or asked them to return to their country after their studies. The government has every opportunity to ask the universities to reduce the number of international students they take or cancel the post-study visa which is used as a job-search year if the government feels they should not come or should return after studies.

Many of the already skilled immigrants have now added expensive quality education in the UK and are now facing a challenge breaking into their preferred career (which the government can help solve) pushing many to health care and other fields where visa sponsorship is more likely but their skill is less relevant. I am pretty sure the government is aware but rather than help them break into the market has thrown an additional spanner into the works, many it less likely many will secure these jobs outside of healthcare and NHS.

These immigrants who have made a significant investment in a UK masters degree are unlikely to leave in large numbers simply because the UK made all skilled worker visa (except care and NHS) harder to get. The policy will just funnel them into care and NHS.

Yes, the biggest loser are the immigrants who came quite skilled and topped it with an expensive master's degree doing care.

The second loser is the UK itself which is now having a growing number of underutilised labour. The are other externalities to this situation that will affect things such as productivity, tax receipts, inflation, integration and equality in society .

I have seen many engineers in this country doing care. Yes, you can blame them for not being dogged enough but the reality is that it is harder to get sponsorship in many of these areas when you have less than 24 months to fight an uphill battle.

Many "Elon Musks" that arrived the UK are in the care sector wasting away.