₦airaland Forum

Hi guys! Will my offer be accepted if I have like 3k left to complete my deposit. I have seen a property that meets all my criteria and thinking of going for it but I have 3k left to complete the deposit but very certain to complete the deposit before the contract exchange date. Will the estate agent request a proof of the full deposit amount before accepting my offer?

Zahra29:
Yes to the first part - children and young adults on the 10 year route who qualified based on their Private Life will now have their time to settlement cut to 5 years.

Not sure about those on the dependant 5 year route as this will depend on the TBC earned settlement policy - whether it will apply retroactively and if child dependants will be able to qualify independently ahead of their parents.

Yea the second part wasn’t explicitly stated though. Let’s watch how it goes. Thanks Zahra for the response

Zahra29:
Those already on the health and care route are mostly exempt - they can continue to extend their visas and bring in dependants if they already had the right to do so. The main change is the increase in the relevant salary thresholds which they will have to meet when extending their visas.

For new applicants - most NHS band 3 and 4 roles will no longer be eligible for sponsorship except a few roles like nursing auxiliaries and assistants (6131) which have been added to the Temporary shortage list until the end of 2026 (new sponsorship applicants for jobs on the shortage lists will not be able to bring dependants)

Though not explicitly stated, it is implied and likely that anyone who is sponsored before this date (and the 2028 cut off for care workers) will still be able to renew their visas after the occupation codes are demised from the shortage lists.

Hi Zahra please can you explain the new reform to the number of years for children to get ILR in the UK. Does it mean children in the 10 year route will now be eligible to get IlR after 5 years and those already in the 5 year route will surely get it by 5 years irrespective of whatever reforms to extend ILR to 10 years

ehizario2012:
Thank you. I followed the link @Lexus sent i.e L&C. I filled a detailed online form with L&C (they didn't request for payslips though) and they emailed me approving a DIP. Also a mortgage advisor called me and said he's been assigned to me, he asked me to call him before putting in any offer for property. Is this in order? Thanks.

Yes you are in order. Same procedure as mine

ehizario2012:
Please how did you get the decision in principle and how much did you pay? Cheers

I didnt pay for it. I wanted to save money on this house buying process so I searched online for free mortgage brokers and got one who offered me DIP after some checks and later i got a mortgage advisor assigned to me

ehizario2012:
Please how did you get the decision in principle and how much did you pay? Cheers

It was from a free mortgage broker. Didn’t pay to get it. Looking for ways to reduce cost in this house buying process so I got a free mortgage broker, provided the required details and was issued the DIP and assigned a mortgage advisor

Lexusgs430:
They both mean the same thing....... Your broker, got that offer from a lender (3rd party or high street banks), does not really matter..... An offer is an offer, once you submit relevant documents, that principle becomes a mortgage offer........

GO HUNTING FOR YOUR PROPERTY..... OPERATION FIRE YOUR LANDLORD....... 😁😂🔥😊

Hahaha 🤣 Thanks Lexus

Hi guys, I got a decision in principle from a mortgage broker and was told i can show this to any agent for my intending property. The broker also stated the agent can call them if they have any question. The mortgage advisor assigned to me said once I get a property I am interested in, i should let him know. My question is, is the Decision in Principle the same as the Agreement in Principle? Because this wasn’t offered to me by a bank but by a mortgage broker.

elengine:
What about the 30 hours for a 3 yr old? Is it public funds

Yes it is. Your 3 year old is only eligible for free 15hrs

babranancy:
The 15 hours free child care sponsored by the government, is it public fund?

I want to apply for my 2 year old but I am still on skilled worker visa and don’t know if it’s public fund because I am not entitled to public fund till I get my ILR.

Please I need your help regarding this question. Thanks

Yes it is public funds. Before you apply, you can check your eligibility and if you indicate that you are on a visa, it will say you are ineligible to apply. I tried applying for my daughter but couldn’t and was told I am not eligible. Had to result to paying for her nursery fees.

This news touch me o! I hope they don’t do the 10 year wait. It’s already draining counting down to the 5year route. An additional 5 years could lead to more exploitation of workers, desperation and the feeling of being less wanted. Instead of encouraging integration with the community it will foster more separation. Many may not want to leave because of the uncertainty elsewhere. There will be more borrowing on the parts of immigrants leading to more struggles to pay the exorbitant visa fees. It now seems that seeking asylum may become a more faster route to settlement as once successful, you are granted a settled status ( not encouraged though). Well, it’s their country and their rules but if implemented, it is a clear breach of contract as this wasn’t what was promised before many embarked on the journey. Let’s watch as the story unfolds

jedisco:
You can proceed, discuss with a mortgage advisor and see. The most would be them declining.

However dipping into your overdraft monthly may raise flags when they review your bank statement. It shows you can barely survive on ur pay.

Credit cards are different. With overdrafts you pay daily interest on the amount used (at least with my bank) - so it's not a good way of lending except in dire circumstances. With credit cards you dont pay interest if u repay in full at the end of the month.

Thanks

jedisco:
Don't see how it'd be an issue except if you had a recent credit application or you dip into it often. My understanding is that even if you repay an overdraft withdrawal within a few days, using it in the first place might mean one is struggling with their finances. With credit cards, it's different.
As far as the sums used are a lesser part of ones limit and they're repaid monthly, it shouldn't be an issue. I heard some lenders may ask questions if a regular person has a very large credit allowance.

I had 3k on my overdraft and it didn't even come up

Thanks for this answer. I had £2500 overdraft limit but reduced it to £2000. However, I do use up my overdraft monthly and pay this in full monthly but use it up the next month. Will this have an issue with my mortgage application!

.

Hi guys.

Will an arranged overdraft of about £2000 affect a person mortgage application?

Ogonsbaba:
Moneybox is very good as me and my wife are using Moneybox too. The duration to be eligible for the £1K bonus is from 6th April 2024 to 5th April 2025. You can deposit £4K now to get £1K bonus and deposit another £4K after 6th April 2025 to get another £1K bonus.

Thanks, Moneybox it is then

jedisco:
I've used Moneybox cash LISA and had no issues with them.
Also used DODL S&S LISA. I'm mainly focused on the fees. Most providers would be FCA regulated and deposits upto 85k would be insured.

Finally, na u go decide

Thank you for your response. I appreciate

jedisco:
Cash or stock and shares LISA? Moneysaving expert has a good article on LISAs which is updated regularly.


Deposit before and after April 6.
But note some providers close deposits into investment accounts a few days before the end of the tax year

Thanks bro, please is Moneybox a good cash Lisa provider to use or I can use anyone?

Please what is the best LISA provider to use for first time home buyer and is there a way to max out the 4k in a 12 month period and get government bonus twice in the 12month?

Please what is the best LISA provider to use for a first time home buyer. Is there anyway one can max out the 4k in a 12 month period 2wice and get government bonus 2 times?

Hi guys, a friend asked for my company email for endorsement on his cscs card. He said he doesn’t need to work in my company and it’s just like a reference. Is it okay to send it to him?

missjekyll:
Badenoch is definitely not a 1st generation immigrant. She is 2nd generation.much like you,I suppose.

Our experiences are not the same and we can only really speak to our experiences and thats okay. While it feels inclusive to you, it doesn't to me.
It feels even worse after 2020

Badenoch said in her speech in parliament said she grew up in Nigeria even though she was born in Uk. She came to live in the UK when she was 16 years old. She is a 1st generation immigrant

justwise:
Yes i expect all bible believing christian to think the same when it come to those two individuals, especially Trump, i did not expect any Christians to make excuses for him.

I do not expect all black people to think the same but i do expect them to draw a line when it comes to racism.

You claimed that you will vote for Trump because of his stand on abortion and my question to you is this... if you are pregnant and during one of your check-ups your doctor found out that your pregnancy is a high risk one and a result he suggested that you terminate the pregnancy so as to save your life, what will you do?

Don’t get this wrong Justwise, trump or the republicans are not against medical emergency abortion. However, what they are against is selective abortion where other than for medical reasons a lady may want to terminate a pregnancy which is very common.

giselle237:
I once had a similar challenge. I forgot to submit reading and received an estimated bill later on. I simply wrote to them in an email explaining I can not be held liable for an estimated bill and would only pay for what I consume. Subsequently I did not fail to submit my readings, they simply went and recalculated the bill and reminded me of the days I must send in readings. What I do know is that they can not ‘force’ any estimation on you. Just chase up with them via email.

You can report them to the energy ombudsman. I work in the energy sector and once you report them, they will sit up and escalate any issue you have. You are not suppose to have such large estimate just because you didn’t send readings in a month or 2. Send them a mail and threaten them you will report the issue to the energy ombudsman if they don’t act on it. Energy companies usually pay a non refundable fee for any complaints brought to the ombudsman whether it is their fault or not so they do well to avoid being reported.

https://www.energyombudsman.org/how-we-can-help/network-operators

missjekyll:
I did not watch the debate just catching snippets. Your opinions and feelings are very valid.
BUT I m not yet ready to go back to Nigeria so i m afraid [/b]i ll have to fight you if you are voting reform.[b]

Round one, Fight 🤺

Aunty be calming down o, lol 😂

Zahra29:
Haba that's not accurate. He was saying that they would be processed in a 3rd country before being allowed to come into the country (for those who qualify). Similar way the Ukrainian refugees were processed off shore before being given visas to continue to the UK.

Those who don't qualify will remain in the 3rd country or elsewhere which sounds more common sense than the current system of allowing them all into the UK and then paying £ millions per day to house and feed them while they wait years for their claims to be processed.

What you are saying is a contradictory statement,
How can you process people in a 3rd country after they have illegally arrived your country. It’s the same as sending them to Rwanda. However, Sir Keir said the only difference with his policy and Rwanda is that he will do it in line with international laws.

Zahra29:
But isn't this where planning comes in? The fees are high yes, but they are also transparent and people should plan in advance how to pay them if they decide to migrate.

Immigration has always been tough. When my husband's family came over during windrush times, his grandparents could not afford to bring all their children so they had to bring them in gradually (one by one) over many years as they got settled and were able to save more money. It's called "send for" and many many families had to do the same. Come over and then send for the rest as and when they could afford it.

This was back in the 50s/60s when racism was rife and overt (Brixton riots and other race riots, the river of blood speech by Enoch Powell and more), Brits literally would not rent homes to blacks and they would display signs in their windows "no Blacks, no Irish, no dogs". So it wasn't even about the money, just finding a safe place to rent for you and your family was a huge challenge. Families were forced to live in single rooms in shared homes as that's all they could get. Banks wouldn't lend to them so they set up the pardner system to lend money to one another. Companies would outrightly refuse to hire or even interview a valid candidate when they turned up and saw they were black.

It's always been tough, in fact in a lot of ways it's much much easier now because the stigma of black and brown migration has been reduced by the efforts of those who came in before, there are laws to protect immigrants/ethnic minorities which didn't exist years ago and there is greater equality in the workplace.

Sincerely I was moved by this your post. What we have today is subtle racism. Many whites may not like you but they won’t say it to your face. I can only imagine the trauma those little kids who came with their parents during the wind rush would have faced by being rejected and treated with disdain by humans like you. Things have really changed since then. Where I currently live, I would walk in the busy town centre and may not come accros any one of color. Sometimes I wonder how do these folks perceive me as one different from them but I see they are more happy to relate with me and my kids which is nice. Although deeply some may have resentment. If only Africa could break the chains of poverty…

Lexusgs430:
KS simply was to bluff his way into Number 10....... By not doing much, not saying much and just stroll into downing street........

KS is forgetting, pot wey must chop pepper, hin yansh must hot ........😂

No be lie bros. Na correct adage be that😂😂

Lexusgs430:
This is why I said, I would remain optimistic, but not delusional......... 😁😂

Uncertainty vs Certainty

Who watched the election debate and saw how Labour Party are clueless on how to fix the economy. It’s dejavu happening all over again before our very eyes, just like the thunderous sounds of CHANGE many Nigerians chorused without asking what plan APC has to effect the change.

I hope we do not get to experience the same scenario happening in the UK as the main opposition are clueless

America001:
Hi Zahra29 et al

I need clarification please.

I have a child who's 1 year and half. I'm currently working full time. I tried enrolling her for the free 15 hours childcare for children between 9 months and 2 years but was told I wasn't eligible because I'm not entitled to public funds.

Does it mean all African migrants don't automatically qualify for this scheme by the government?

You can still be eligible for childcare for 2 years old even if you have no recourse to public funds as the eligibility criteria has been. Changed to accommodate people on skilled worker visas. However, to qualify, your circumstances must be;

giselle237:
They refused them, they did not extend the ban to them as per the refusal letter posted. If it is skilled work he tries to get, both parents would need to apply for the kids to be granted. As you would be remaining in Nigeria, the kids will not be granted except in case of death or paternal sole custody by the courts.

I don’t think this is true. A signed legal letter of consent from the other partner should suffice.