Schoolhike:
Please anyone leaving in Oxford or its environs, I need suggestions on dorms/backpackers in Oxford, tried to search online couldn’t find any.

check booking.com. Filter hostels. You will see

Jamesclooney:
Hello everyone?

Getting conflicting reports about Coventry being a ghetto/rough city to live in. Especially Holbrook area towards…Coventry Ricoh Arena (cv7 etc.). Any thoughts on buying in this area? It’s between a Coventry and Rugby. Key Factors…good place to raise a family

. This Coventry that I have been living for the past three years ? Na waooo. Even London get plenty ghetto. Although I don’t get what you mean by ghetto

I have the same concern too. Even in this my 1940 build, you still hear tatatatata in the oza room. My Oyibo neighbours won’t let me sleep. Why is youkay like this?👀

BouharryArtikou:
Please, does anyone have any dashcam recommendations please?

Ideally, I would like something easy-to-install and cheap, please. I know ‘cheap’ is relative but if people have any recommendations I will appreciate.

check Temu

Lexusgs430:


BBC or ITV would stream it. .......

live on BBC3

Estroller:


For the commute, the Midlands, you'll be spoilt for choice, don't know about the transport cost though.

train from Coventry is expensive ohh. National express coach return ticket is about £14. But be ready to leave pool meadow coach station by 4.45am to get to Victoria coach station by 8am

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.

congratulations. This 10% on two years stay dey sweet me die. We must have our own this year IJN

igbsam:


Chief, for newbies like ua when it comes to these shares and all. We need lecture to start off o. I tried registering, but I'm seeing 3 options Trade Invest, Trade ISA and one other one. Confusion don start o

. Choose the orange coloured one. I asked Lexus same question and that was his response

Happy new year Fam. Has anyone ever made a house deposit with proceeds of Contributions (Ajo/isusu) ? What was the reaction of the bank when they sight the monthly contributions in your bank statement?

I need direction here. For the past 8 months , I have been in a contribution, the aim is to prepare for mortgage. Sometimes in this new year around August, I intend to utilise it for mortgage deposit. I would have packed four times. (We are four in number). The question is , will this not affect my affordability when the bank check my statement and see that I pay this sum monthly? I guess is that they will see it as a monthly commitment(loan which I am paying back) and will likely affect my affordability and approval . Do you suggest I stop the contribution and rather be saving it in my account to avoid this scrutiny?

Just trying to be proactive.

Kingkom:
Merry Christmas all.
I am new to the UK, September 2023. I am looking for a good credit card that can allow me to withdraw the cash and not just buying things with it. Please which one is good and advisable to apply for?

. The hack for withdrawal from Amex Card is this : open a PayPal account , link your Amex card to it. Get a trusted friend to also open a PayPal account . Then transfer the cash via PayPal and it comes with zero transaction fees. Rinse and repeat. Then thank me later. But you should choose friend and family in PayPal so as to avoid transaction fee. Also label it as gift.

hustla:



So, can you get COS for 40 hrs from two jobs?

Job A - 40 hrs
Job B - 40 hrs

I think thats what he was asking about

yes sir !

hustla:



No Sir/Ma

You can work for the company that sponsored the COS and then another one part time. You cant have 2 COS at the same time LOL

You can switch to another one though

. No sir. You can have two sponsorship at same time. If you need more than 20hrs or you are working in a different job code

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

congratulations. It’s been long that I saw 10% deposit. Na him be say we get hope

Good afternoon all. Which of the Schengen countries is easier to book visa appointment now

Lexusgs430:



I call this tenants withdrawal symptoms........... 🤣😂😜

😀😀😀😀😀😀

hayesconcept:
HO and DEFRA won’t sponsor your visa. HMRC and DWP dey offer sponsorship steadily

HMRC DONT SPONSOR VISA. I can tell you that 100% even though they have the licence. I don’t know about DWP

fetomowo:
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.

have you read this thread from beginning to end? Can’t you still see what you are looking for ?

Viruses:

Not really.

The examiner would rather terminate the test at any danger and this can also happen with instructor's vehicle with dual control.

The law says you can use your personal vehicle provided all conditions are met. These examiners are professionals, they don't use emotions.

. When I did mine, I used my car and it was not a problem. The examiner even asked me and I said yes it’s my car. He asked if I have international license I said yes

jum33:

Don't use your car as your own instructor can even blow whistle on you as he aware that you brought the car to the venue of the exam with provisional license

it’s not a problem , provided your provisional license has not expired

babajeje123:
Please does annual salary of £34 -£41k worth relocating to London for considering the cost of living there? COS attached but not desperate for it as there are other plans.

. That’s above average income in the uk.

Please my People , make I no die in silence. What kind of cream do you recommend for dry skin in this uk. I have lived in Norther Nigeria and never had this type of dry skin. All my legs are usually white 😀😀. Kindly recommend Abeg.

Schoolhike:
In addition, I would like to know how to scale through civil service interview executive office (eo role ). Already have 3 interviews and I would like to figure out what could be wrong in my approach.

send me a DM. Might. be able to help you with guides to the Civil Service Interview

.

seyejohn94:
🔑 Hey there! Need a mortgage on a Tier 2 visa with less than 1 year in the UK? No worries, I got you covered! 🏠

Just wanted to give a shoutout to Strike, the mortgage broker that can hook you up with lenders who don't demand a whopping 25% deposit. Yup, you heard it right! You can score a sweet 10% Loan-to-Value (LTV) ratio. The catch? Make sure your combined income hits that £100k mark. 💰

By the way, if you have any questions, Bhavini is your go-to person. She's super helpful and has dealt with tons of Nigerians, so she knows the ropes. 😊

Oh, one thing to keep in mind: I'm not personally involved with this mortgage broker, but I just had to share this awesome find with you. Don't miss out on the chance to turn your homeownership dreams into reality! Hit up Strike and ask for Bhavini. 📞

£100k? Hmm

Estroller:


Payslips and bank statements dating back 3 months is the norm, so time your transaction such that the inflow won't reflect on your statement in that 3 month window.

. That’s good to hear. Thanks

Lexusgs430:


Simply provide evidence....... That's all you need to do......

With the osusu, simply highlight deductions from your account and payment flow back.....

. Thanks. What of the cash you want to bring in from Naija? How u wan

I have a question pls. If you are using isusu as a means of raising money for house deposit, we know it comes In bulk , how do you explain it to the mortgage guys ? I mean the inflow as it’s not salary savings. Also if you sell a property In Naija or move part of the fund from Naija, how do you explain it ? Would you call two of them as gifts ?

semmyk:

BA has one of the most generous cabin (hand) luggage. Apart from your laptop bag, you can do more than 7kg (be reasonable though): some do literally as much as around 22kg. Beware, this vary from country to countries, and for different destination, (and in some instances, the check-in officer!). By and large, BA is generally liberal.
Regarding paying for extra baggage(s), you can pay online before check-in, or you pay at the airport when checking in. Unfortunately, BA no longer published its extra baggage fee/prices on her site.
What you can do is to get on BA site. For instance, https://www.britishairways.com/travel/managebooking/public/en_gb
Put in your booking reference and surname. Your travel itinerary pops up. Within, kindly look for the baggage section. You'll see an option for adding more baggage 🛄.
The prices of extra baggage, are not as expensive as they used to be; so it seems.
Also, on some route, the difference between (a priori) online price and price at the airport can be as low at only £10 more expensive at the airport. Which is fine. However, on some route, the difference can be as much as £50.

. Thanks for this. I am covered. But just to also contribute. …extra luggage is £150. I paid for extra luggage in my return leg. Although I used free Avios. 😀😀😀. By the way, I only paid £180 for my return ticket to Naija. I used Amex/BA avios. That card is a life saver 😀😀😀

Meanwhile you can use my link to get your Amex card. Follow who know road
https://americanexpress.com/en-gb/referral/eMeKAOydtG?XL=MIANS

Peerielass:


British Airways has a very generous hand luggage allowance of 23kg and not 8kg. Check the dimensions of your suitcase though, you can also take your laptop bag etc.

https://www.britishairways.com/jba/ba/fi_FI/baggage/bagcabin.html

many thanks for this . I am covered be that 🕺🏻🕺🏻🕺🏻🕺🏻🕺🏻🕺🏻😀😀😀😀😀

mex551:
Good evening my people. Who has traveled with British airways from LHR, I have questions. Are they strict on 2 * 23kg? What if my luggage is 2 to 3kg higher? Also for the cabin luggage, apart from the usual small box of 8kg, can I also carry a laptop bag with some stuff on my back? What is it like here in Heathrow

. Someone should help me answer Abeg. My load too plenty 😎

Good evening my people. Who has traveled with British airways from LHR, I have questions. Are they strict on 2 * 23kg? What if my luggage is 2 to 3kg higher? Also for the cabin luggage, apart from the usual small box of 8kg, can I also carry a laptop bag with some stuff on my back? What is it like here in Heathrow

Santa2:


Still paying NGN4,400 from my Netflix subscription that I did while in Nigeria. Highest package oo

and you watch all these British films? I heard that there is a restriction when it’s not Netflix uk. How true?