₦airaland Forum

lavida001:
I said this last week and some people were saying it's impossible.
Omo na time go tell.
it will shock everybody like electricity.
Indian folks have been able to hack the system.

went to a place today and i was told by the uber driver that about 700 Indian family recently moved to the neighborhood.
why did they choose to move to the area?
Because this said area is known to have lots of grammar school with quality teachers. So, they want their kids to acquire the best education.

And we all know knowledge = power.

Omo na time go tell

Indians as a group have punched quite well in the UK but that has come at a relative detriment to their home nation. Their collective strength in the UK has given them certain leeway

India and China were on similar economic level 40-60 yrs ago. China managed to retain its best talent and grow from within. We see where both are today. The likes of Rishi, Satya e.t.c while individually brilliant bring little or no benefit to the life of the average Indian boy back home.

700? Hehe... I doubt a single neighbourhood close to a grammar school would have 700 houses for rent ir sake

Lexusgs430:
Legally, you would have to seek consent, from your mortgage provider.........

Can you guess the answer they might render........😁😄

The property is still owned by your lender...... Till you receive your property deed ........😜

And remember, it's called RESIDENTIAL mortgage.......😄

He could take up a lodger. And the rent earned is taxfree upto 7.5k.

Also lodgers have less rights than tenants so the tenancy can be ended more easily.

Most banks wouldn't have issues granting a consent to let if need be.

Goke7:
We are a broken, violated and a messed up people, most of us don’t know until we are here. The average Nigerian needs serious orientation on entry into the advanced societies where it’s a culture of giving back and not hoarding. It’s a thing that needs to be unlearned. I no blame our people too much poverty do us shege back home. Make Una no too vex abeg

Its distressing how its so easy for some you to devalue yourself. The action or inaction of a single person does not reflect on us all.
There is a litany of Asians doing same in Canada and even broadcasting it on their YouTube channels. Would you adress the average Indian or Asian with same expletives? Then Chinese, Japanese e.t.c.

You would never stop being a Nigerian and you would not be granted more respect in the UK than that average Nigerian back home.

Regarding 'culture of giving back' . If you actually believe what you said, then you know nothing about all of human existence including the country you currently reside in. Get yourself some self worth.

chimexview:
@ticha
@jedisco
Ok clearly BTL is not for me for now so I will go for my own personal home then. So I want to know if there will be restrictions regarding bringing in money from sale of my property back home into youkay? I’m referring to will it be seen as money laundering, and also tax implications? What’s the price range of homes will you advise me to go for and type of home too(flats? Terrace? Semi detached etc)?
Apart from funding my LISA which I intend to fund from my savings back home, What’s the first thing/body I need to get to start this journey?
I’m more than grateful guys for your assistance, more keys to you 🙏🏾

The first thing is to have an idea of the property you want yo buy. You could download rightmove and look up properties in your area. You might need upto 15% deposit as a ftb. That guides you on what deposit you need.

Different house types all have their pros and cons with detached houses more sought after (where possible) and hence appreciate more. With flats, you need to read the fine detail well. It's ultimately for you to decide. Personally, I'd mostly go detached where possible.

If you've owned a property elsewhere, then by the book you shouldn't use a LISA. OTOH, that has not stopped a number of folks from developing nations using a LISA/ FTB privileges for their first homes here. As no agency goes tracing whether they have a property back home or not. Morso, many property prices back home hardly tick move the needle here.

If you are disposing off a property back home, bringing the money over shouldn't be an issue as it's clean. However, depending on the sum, the bank may look in further due to AML rules hence you need to take care as the process can be bothersome. Apps like lemfy e.t.c exist or you may bring it in aliquots if its a small sum.

I think the stage you are now is a stage where you should save, dispose and repatriate funds from your property (if its your plan), keep an eye on prices and perhaps in 1-2yrs time you should be ready to proceed

chimexview:
Ok I did a quick search on credit karma but it came out with no result and they advised I wait for the next 30 days before trying. I have one phone contract with two lines contract that has been on direct debit since May. My rent is on direct debit and it gets paid as at when due. So I should get 6mill while I work out the rest from here? I have not used LISA or CASH ISA before and I want to do that but the conditions I saw on that app shows it’s for home owners who wants to live in the house they bought and not to rent cause my intention is to rent it out. And Thank you for your assistance

By 6m I meant 6 months. I.e avoid applying for a credit card increase 6-9months to a mortgage application..

It's odd you want to rent out your first property in the UK while you're still renting yourself. Tichas post does expounds on this well. BTL might not be the money printer many think it is.

Yeah LISA is intended for home owners i.e cant use it for BTL.. but nothing stops you from renting your place out if you get a second house in future or more practically getting a lodger. With a lodger, its easier to get them out and the first 7.5k is taxfree.

Lastly, remember you need to have a LISA open for a year to use it for a home.

hustla:
Comes with visa sponsorship

Hehe... na so so interview and jobs dey ur browser...

tolajay:
Undoubtedly, they've got some good stuff going on for them. But I'll be conscious not to overinflate their population and influence.

Last I checked, Asians (Indians inclusive) make up 9.3% of UK's population. Africans are about 4%.

Just last quarter, LSE released a report on wide ethnic disparity in wealth accumulation across the UK. Asians and Africans were abysmally positioned against white-Brits. Although Indians had some slight exception in the Asian bloc, yet they're not closer to the white-Brit.

So, it is geometrically impossible for them to outrun the 'real owners of UK' in 20 years. Maybe 200 years! 😊

Went thru the LSE report and it was telling. Reason why it triggers me when we have policies that'd unduly affect black/immigrant populations. E.g increasing visa, health surcharge and ILR fees for longterm residents so citizens can have a pay rise. While at thesame time deliberating on refucing inheritance tax when there is a relative budget surplus. In the end, the 'immigrants' today would become Brits tomorrow and the state would be forced to deal with the wealth disparity it made.

The relative success of Indians in Briton is the reason why they are increasingly afforded certain leeways. E.g majority of phone spams calls I receive are from Asian folks yet they are still not painted with scam as Nigerians are. All said, China has fared much better by keeping its talent at home.

chimexview:
I greet everyone here and the founding fathers of this great, insightful and very educative thread. I salute men like Ticha,Semmyk, solumtoya, lexusgs430 and host of others in here.
To cut to the chase

I recently concluded my masters in the Uk and I have been here for total of 16 months.
I stay in a student accommodation shared flat which is all bills inclusive, so no council tax or any other utilities bill in my name. ( I want to know if staying in the students accommodation impacts my growth in the youkay negatively)
I’m on tier 2 visa with a healthcare social care company with 3 years visa.
Annual salary with the company is about 21,700
And I can still get 20hrs weekly side job to get it up to 33k or 34k annually.
My credit score from my Lloyds bank is about 544, I’m single and interested in getting a BTL house.
I intend to liquidate an asset back home in order to raise about 20k pounds to 25k pounds for down payment.
Please great minds in the house, I need the best advice on how to go about this. I welcome every advice, direction,suggestions and information to succeed like many of us has testified. Thank you 🙏🏾

Credit score doesn't mean much - your credit history is more important. Recently went thru the process and was surprised the undue popularity credit scores are given which my bank didn't care for.

An app like credit Karma can guide you thru basic steps to improve your history you may not have considered. E.g electoral roll, phone contract e.t.c.
Having a credit card is also good and depending on utilisation, you might ask for a balanace increase 6monthly. But avoid doing this 6-9m to a mortgage application as it would leave a hard search on your file. My banker once told me that a very high CC balance might not reflect well on a mortgage application.

A student accommodation shouldn't be an issue. You could use a rent reporting agency - i.e tracks your rent payment and reports it to select credit agencies. I used one but uncertain what benefit it actually made.

As regards money you are bringing in from 9ja, it's worth sorting it at least 6m before you apply for a mortgage. This is so you don't have to go thru the bothersome AML loops when you submit your statement. You could put it in a LISA or Cash ISA. Goes without saying that it's worth maximising your LISA if eligible and you haven't.

Progressivegee:
...In a couple of years, they would have earned transferable skills for other roles outside care or would have grown in their profession ...

In a way, you, @hustla and @lexus are all eluding to same thing.. Just via a different lens

Taal17:
Well said.
Left to me care jobs should be for those who have the capacity and empathy for it.
I can't even imagine having to need support or loved one needing support and then the care worker is one who thinks so badly of it.
It's like being left to your fate with a doctor that is just in it ONLY for the money..that's how coverups and mismanagement and death can happen.
, people you care would do these things themselves if they could butt hey can't.

Hehe... capacity, passion and empathy. That can be said if any role including okada drivers back home. I want my okada driver to have passion for riding okada.

You want people who think highly of it but want to pay minimum wage? hehe..

There are 150k care vacancies at same time about 150k additional people go on longterm sick leave every month many collecting benefits that on their own could rival minimum wage while some still work cash in hand...

The irony dey shock me.

toughest007:
Many immigrants believe that when the ladies here smile, flirt and drink with them, all is set for them to dive in! Many make these assumptions out of ignorance, many get away with it and a few get caught up and we hear about it.

The other day, somewhere in the North, this guy was caught visiting an underage girl... Actually dressed up and travelled a long distance to hangout with this girl. Same assumption, they say hello, smile, flirt and gbam, they interpret it as 'the girl is into me'...

I avoid the ladies here like a plague. The juniors I mentor in the office, I keep them at bay, with many boundaries set! Any small thing the team/group will arrange drinks, kilode?

Speak for yourself. A paedophile in Nigeria would be a paedophile in any part

Don't learn to mix and understand your new environment. Keep avoiding and living in a cocoon. Na the kind of una dey shame me when they finally are forced out e.g for a work dinner and they start looking at the menu like it was written in Arabic or using cutlery like a crippled fellow.

justwise:
I know at least one Nigerian who does care work, two houses, one mortgage free and drives 2023 E-car.

She is a masters degree holder from this country.

Hmm...probably working as an independent contractor and might now be involved in COS racketeering.. sorry issuance. Care has it's pros when done rightly

tushqueen:
Are you sure about this, any link or policy to read?

It's long established and hasn't changed to the best of my memory

You could check the rules for 'taking on additional work' for those on skilled visa. If it's not clear, then could call/email UKVI.

Thewritingnerd:
The problem is cos in Nigeria nobody gives two hoots about rape cases or consent PLUS they know that “nothing will happen”.

Speak about consent to most young men in Nigeria and watch them laugh in your face and say “boya make you sef no start wetin you can’t finish”. That ill-behavior is why you’ll see people giving back-handed advice when they’re immigrating. Only then will they suddenly know what consent and rape is. But I guess this young man’s depravity must be beyond measure to not even think of the consequences of his acts in a a country he’s an immigrant in. Only God knows how many he has done back home and not even a complaint was lodged because “nothing will happen”.

We should be careful not to reflect the ill of one person against a group moreso when the evidence doesn't point to that.

Stereotypes against blacks moreso immigrants are well established. Oddly, I just stumbled upon an expose by Sky that showed the profile of a white lady was almost 40% likely to get a positive reponse while house hunting compared to a profile by a black lady even though all other variables were theame. If you ask the racist landlords, they'd point to a newspaper article to satisfy their stereotypes that black women are ...

Nigeria like every nation has its problems which should be addressed. Regarding rape, there is a significantly more worrisome rape issue in India, Pakistan and many Asian or Arab nations but we don’t go about seeing every Indian man as a potential rapist that needs to be constantly reminded of its repercussions so he doesn't go rouge.

A single person did wrong- he had been jailed. Reasonably so. That he is black/Nigerian does not reflect on us all.

Congrats to her. Worth of emulation

Tier4Dependant:
So I reached out to my HR and this is the reply, however I have been advised that I double check with the home office and I will do that.

I also know for a fact that my trust provides our bank shifts. I know some Trusts uses agency like NHSP etc to run their bank but ours is not the case.

Thanks for your input once again.

This is long well established.

Extra work done with your employer does not count towards your 20hr limit.

Birdbyrde440:
Every day I'm baffled by the method of the of our so called "PhD having" eites in this country.
I wish there was a way I could help this country and stir it to the right path and ensure prosperity for all.
Its really very simple albeit a bit complicated.

In every event, there must be winners and losers, Tinubu should leave currency speculators alone they were wise enough to buy USD at the right time due to their foresight ability so it is only right to let them reap the benefit of their labour.

South Korea is the 4th largest economy in Asia but its exchange rate is worse than Nigeria's as long as you maintain the value of your currency in your country, ensure open, fair and transparent monetary policies then you will gain currency stability.

But it seems our country is under the control of some foreign powers that is incharge of piloting the economy and currency affairs.

In your drive to be make it political, you contradict yourself.

The actual rate doesn't matter much but stability does.

Attached is the exchange rate of the WON to USD for over 20yrs. As you can see
1. It's averaged between 1000 and 1500
2. It's in constant flux i.e not arbitrary fixed.

That's the stability and efficiency investors need

Within the last 4 weeks, the exchange rate has gone from 1k to 1.3k down to 1k and now 1.1k. That's movement of over 10% in a few days. Foreign investors don't want that uncertainty.

Lexusgs430:
It simply serves as a warning to all of us ..... Not to fall prey.......

Not to belabour this, but anyone who is forcing himself on a lady in the manner described doesn't need a warning.

There is a difference between pointing out fall points in a system and making it look like every Nigerian male has a tendency towards rape and hence should be bridled. Conversely, the average newish immigrant can appear so timid that they don't even take a stand when their rights are being trampled on.

Thousands of Brits comit crime all over the world. Their media doesn't use their punishment as a recurring flyer to teach other Brits good morals.

Lexusgs430:
Another one of us or is it one of them ........🤣

Came on a student visa in Jan 2023 ...... Raped within a few months (I bet he would have raped over 20 innocent ladies in Nigeria)........


https://southyorks.police.uk/find-out/news-and-appeals/2023/november-2023/man-jailed-after-raping-a-woman/

Is it just me but I don't get the drive on NL to maximise any criminal activity carried out by a Nigerian abroad and subconsciously reflect it on us all.

At least 50,000 Nigerians arrived the UK over the last year. It goes without saying that some would have untoward tendencies just like any group in any part of the world. Are sexual offences overepresented in our group here? I don't think so. I work in a county which is over 95% white British and there are many incidents of sexual harassment and rape which are rightly punished when caught but I don't see how that is a British thing.

The average African/Nigerian male is a recipient of many unfair stereotypes. We fanning those stereotypes does us no favours.

koolaid87:
I dont think so.

The most submissive women that have been tested are Asians and Latinos. They've been exposed to the western culture, yet, many stood to their values and morals. Most of their women are also feminine. Nigerian women have not passed through those test yet, by that, I mean living in a western country and acting right despite the laws on their sides.

So why are Nigerian men not marrying those submissive Asian and Latinos?

luminouz:
I have proven you wrong. Go hång yourself.

Your anger says it all... Mr submissive woman

Mindlog:
The same UK immigration officers whey me and my family pass through at the airport?

Whoever told you that is bloody lying.

Hehe... u dey mid am...
People wey never see airport dishing advice

Metrofox:
Oh this is not a comparison of cultures? I was thinking your point is that only Nigerian men demand submissive women globally

Men from 'conservative cultures' do..
But for the average Nigerian man moreso a new immigrant to the west, your best bet of a 'submissive woman' is a fellow Nigerian woman

Mindlog:
Why did the pharmacist not marry any of the women that live in the US, who he would not have to waste money and time to bring over from Nigeria?

Pharmacist is looking for a submissive lady

Metrofox:
Oh really? I wonder what the Arabs, Indian and Chinese cultures think of that

Like I said, the privileges you enjoy her would not be replicated anywhere.

How many Nigerians are in Arab, or East Asian nations married to 'submissive' Arab or Chinese ladies?

luminouz:
Lies. A South African and a Tanzanian babe changed that outlook for me. Don't get me started on Eastern Europeans. They have some of the best ladies out there. I will admit I have dated good naija girls because I screen thoroughly but saying not one submissive girl dey outside naija, that means NA YOU NEVER STEP OUTSIDE AIRPORT!!!

Why not marry the many South Africans, Tanzanian or Eastern Europeans Mr Screener?

The fact you're so hung on 'submission' says alot. That would even be considered offensive in many parts.

Don't worry, there are many Chadian and Congolese ladies who are 100% submissive... go and marry

Couldntfigurean:
My uncle took a village girl to the USA as a wife
After staying for years,she made friends with some women who adviced that she divorced him,She sued the man for everything he had and worth,the man died homeless in the streets of America
She told the kids that they are Americans and never lets anybody near or contact the kids

Both families(hers and her husband’s) are waiting for her in Nigeria

They should keep waiting and not get on with their lives. The man could have suffered same fate irrespective of who he married. Divorce rate in most western nations is approaching 50%.

cathodekazim:
The truth is the western culture is already influencing Nigerian women even here in Nigeria. The new generation of women and mothers we have are not even 10 percent submissive. Now imagine these ladies finding themselves in a country that gives women too much power. It'll surely be abused and this is more reason why Nigeria men who took their wives abroad kept regretting such decision.

The western culture has influenced our culture for over 400 years. Same reason why you converse in English.

The most 'submissive' woman you'd encounter as a Nigerian man would be a Nigerian woman. If you still think that there is a string of 'submissive women' in other countries waiting to do your bid, then it shows you have not seen an airport.

Mindlog:
Another crap!


Same Uncle, who when he was a Masters student was always yabbing that marrying a Nigerian woman and bringing her over to the UK is suicide mission, is now developing cold feet getting into a serious relationship and marrying one from the millions of women from different parts of the world living in the UK.....there is always an excuse! Marry a Nigerian lady based here in the UK....NO, because they are too liberated and there would be "power struggle" in the marriage! Marry an Asian lady, he came up with excuses. Marry a lady from the Caribbean, he said those ones are streets. Oya, marry a Caucasian British whey go gree for you....brother man went mute!

Its the usual talk of insulting 'Nigerian ladies' until they leave the country and go in search of the submissive oyibo.

Keep saying it- the privilege our society bequeaths to Nigerian men would not be replicated in any part of the world.

Solumtoya:
All these NHS children... If you're like me that doesn't work in NHS, check your Employers, they might have some juicy offers like pension matching, schemes where you can get Stock Options by buying the Company shares at a discount using your pre-tax income, etc.

I will definitely do BTL sha, like jedisco said there's Asset Appreciation, Rental Yield and Leverage. Let's keep packing up chunks of the King's land. Diversification is key

Thinking about it is bonkers... the main advantage is that of leverage

The government ensures you get a cheap loan to buy a dividend yielding product. Thesame government also ensures that by its policies (building constraints, migration, help-to-buy, mortgage guarantee e.t.c), the price of the underlying asset rises with time. It's an ever-yielding fruit as once the house price has risen well enough + built equity, you return to the bank to borrow fresh money on the value of your house to rinse and repeat. Reason how many portfolio landlords started with a small sum.

I can't find any other example in general consumer finance. Imagine same occurring with stocks

Peerielass:
Yes, higher and additional rate tax payers could get up to 25% but majority of basic rate taxpayers will only get 20% on SIPP.

Isn't it 20% rebate (i.e top-up the SIPP provider applies for) for all initially. Then higher rate tax payers can now claim the remaining 20% on the returns.
I.e. 40% tax relief it it's all within the higher rate band- similar to salary sacrifice