₦airaland Forum

Solumtoya:
My personal experience from Persimmon has been fantastic.

As an aside, you can refer and earn £500. The person referred also gets £500. So if anyone wants to reserve with Persimmon, try and get someone's Referral Voucher first.

. Send me your referral code. Let’s give it a trial. I will DM you now

Manuelmarvyy:
Hello Guys, Good Evening Bosses here
Has anyone here applied for a USA tourist Visa from the UK as a skilled worker in the UK? Please what is the process like? I want to Visit the USA God's grace. What documents are requested? I stay in the UK legally as a skilled worker (Healthcare). I have been living in the UK since March last year. I want to visit the USA.

Please someone who has the right information to apply for a Tourist Visa to the USA from the UK as a skilled worker, please tell me what I need and how much I need to have in my account before application. Many thanks

. It is a simple process. If you have your skilled worker visa. Just apply. Attach all relevant documents. Who you are visiting , if staying in a hotel, attach the details etc. and then they give you 5 years. I applied few months ago and stated the 4 denials I had from Nigeria and they still gave me 5 years! Please note that I never travelled to any European country before that appointment. They didn’t ask me for bank statement etc. just what I do for living here in the uk and who I was visiting in 🇺🇸

I think that generally if you have skill worker visa or a dependent , it’s very easy to get. I also has a friend here in Nairaland who applied with his family and they gave them 5 years. Am going for my trip this August and when I come back I will go and collect Canada 10years. Yes that the privilege we enjoy from here.

Are they aware that you are on. Visa and still want to do 5%?

leoshadow:
Hi Everyone,

Apologies for the long post.

I’ve been following this thread, and I have to say, you all are amazing, especially @Lexus. Initially, I wasn't a fan of your mantra "Rent money is dead money," but now I see your point (After I calculated my rent) that na people Dey beg me not to buy house lol.

I've been in the UK for 1 year and 7 months, and I believe it’s time to start looking for a house. Last week, I found a new build for about £200k with a 5% deposit contribution, which means I need £10k. I called the developer to inquire, and they confirmed it's available. They ask if I almost had my 5% deposit ready and I said I only have about £5k (truthfully, I have nothing saved yet) and would need about two months to complete it. I said this so they wouldn’t think I was unserious. My plan was to raise the deposit in two months as follows:

My monthly salary is close to £4k. I have ₦10 million saved in my Nigerian account and receive about ₦1.5 million monthly from my company in Nigeria. I plan to save my UK salary for the next two months, which will give me £8k, and transfer an additional £2k from my Nigerian account. I can cover my monthly bills with funds from my naira account.

The developer asked me to speak with their mortgage advisor, who said I qualify for the house. Now, they are requesting proof of my deposit and my bank statements for the past six months. I informed the developer that I don’t have the complete deposit yet, hoping they would give me more time, but they asked me to submit the information for the £5k deposit to move forward.

Here’s my dilemma: Raising the £5k is not a problem as I will be paid my salary this week, but I’m concerned that they might question why the deposit is coming from my recent salary and start asking how I will manage my expenses. If I don’t answer them, I fear they might think I’m whining them (Nigeria in me talking) and stop responding to me later on. Dem dey my neck like anything

Any help will be appreciated.

Jamesclooney:
Testimony time

(Ushers please be on standby with the offering basket )

The Lord built (bought) us a house!!!!

Signed, sealed and delivered. The bunch of keys dey our hand now. Very heavy lol.

Jokes apart, just an appreciation post for everyone ‘s contribution on here (as well as Chidera Peters on YouTube). The guidance received from this forum has been invaluable. Visited over 12 developers/sites; didn’t care about the fuel burnt because a house is a big deal and even if I didn’t like some houses/location, it helped us narrow it down as we discovered what we liked/didn’t like.

KEY DETAILS
House type - Newbuild
Developer - Persimmons
Lender - Halifax (90% LTV)
Incentives - 5% deposit boost plus flooring package
Mortgage rate - 4.97% ,5yrs fixed (although rates dropped to 4.87% when it was 2 weeks to completion)
LISA bonus - £6k (my wife and I) in the space of 15months, took advantage of the tax windows
Mortgage adviser - Threshold Financial Services (got the recommendation from this thread)


Ps - send funds because everywhere don dry. Surviving on tap water till further notice.

. Please how many months bank statement did Halifax demand from you? Some said they demand only one month bank statement

Jamesclooney:
Testimony time

(Ushers please be on standby with the offering basket )

The Lord built (bought) us a house!!!!

Signed, sealed and delivered. The bunch of keys dey our hand now. Very heavy lol.

Jokes apart, just an appreciation post for everyone ‘s contribution on here (as well as Chidera Peters on YouTube). The guidance received from this forum has been invaluable. Visited over 12 developers/site. Didn’t care about the fuel burnt because a house is a big deal and even if I didn’t like some, it helped us know what we liked/didn’t like.

KEY DETAILS
House type - Newbuild
Developer - Persimmons
Lender - Halifax (90% LTV)
Incentives - 5% deposit boost plus flooring package
Mortgage rate - 4.97% ,5yrs fixed (although rates dropped to 4.87% when it was 2 weeks to completion)
LISA bonus - £6k (my wife and I) in the space of 15months, took advantage of the tax windows
Mortgage adviser - Threshold Financial Services (got the recommendation from this thread)


Ps - send funds because everywhere don dry. Surviving on tap water till further notice.

congratulations. Is that leasehold or freehold?

awumen:
I want to buy a house in the UK(cash payment). I have read alot here and gain so much infos. I will need help with info and advise on how best to go with it. Scotland is my choice(being here since 2021), not stable but family is on ground.

. Can you withstand Solicitors scrutiny? I mean money laundering? Good luck if you can

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