₦airaland Forum

Abeg who Dey stay for Dunfermline Fife(How is Rosyth or inverttkin) or Livingston (if you are in Livingston how is Broxburn), I have a few questions with respect to family and raising kids and activities like Swimming, takwando and football. Planning on coming back to Scotland but looking for close proximity to Edinburgh as I work in Edinburgh.
My Dalkeith has become too expensive for our plans.

koonbey:
If only it was the case that religious people don’t commit suicide or suffer depression, this would be perfectly logical.

The point is those religion your parents took you to will never teach you that dignity means taking your own life by doing the earth a favour. Christianity has never taught me that, African tradition of my ancestors forbid anyone taking his own life.

His involvement with this Earth People is what encouraged his decision.

Check his handle on twitter encouraging people to take their own life instead suffering,waiting and believing things will get better.

justwise:
I asked you a question and you have failed to answer it because you knew that what you posted was wrong and very insensitive to late chiggslover.

There is no evidence that he died because he mocked Christians back home or because he turned his back on God.

This is very bad of you.

Oga mi, there are evidence that he was told to take his life instead of being discriminated, instead of not receiving equal treatment like Other Irish citizens. Note I mentioned Irish because he lived in Ireland.
Chigozie was a lovely fellow, very brilliant but was brainwashed by some Ediot’s who are yet to take their own life.

As an African my advise has always been, if you want to be a Christian/Muslim by all means be only because your parents are members and anytime you think that these two religions are no longer relevant to your level of understanding. Please Practice African traditional spirituality(Nature).

Nor be person go run commot for the one oyibo them sold to your ancestors because you think say e nor good then you go go jump into the ones that oyibo children bring come.

It is not nice that their ancestors deceived your ancestors and we also allow their descendants to deceive us again with another Cult (Called Religious beliefs). Whether Earth Citizens or Atheists or Christian or Muslim these are unAfrican. Be that as it may, They are some values one can learn from especially from Christianity (Na the one I don practice be that).

Peace.

Chigzs died a stupid death.

Rapitex:
Finally, offer letter from Barclay bank dropped. Thanking everyone who has answered my questions in this group. We were able to get offer even with a fair credit score.

Congratulations brother man.

Mroriginal:
Just to avoid repeating what the others have said, it might also be best to hold and spend a little time visiting those countries you guys are considering to live whenever on annual leave or planned short breaks. Just a sample case of Australia - you cant say you are scared of crawling things in Australia if you haven't even been there. Also, Buying a property you might not even like in a place you don't even like/considering leaving might not be the best idea. Although some say its easy to rent out your place while living in another country, i have heard cases of how much of a headache it can be. We are probably on the same boat - a family of 4, however we are planning to leave after naturalization next year. All we do now is just travel to places we would like to live and move when fully ready.
(

Thank you so much.

Ticha:
Remember, it is just a mooted idea for now. Why not hang on till you decide where you want to be? It just gives you more time to save.
Nigeria is full of crawling things and you lived there for a good chunk of your life. We spent one month in April traveling round Australia and I didn't see one crawling thing! Even when we went snorkelling in the middle of the ocean.

Thank you Mma Ticha We will wait till it becomes law and boldly written on Gov.uk. In the meantime we save money and wait till January 2024 then maybe just then we will begin movement to Australia especially the new law affects people already in the system.

Solumtoya:
While we wait for the gurus, no one can say, for sure, what is the best line of action in this.

Are you on Tier-4 visa? I would say wait till you are on Tier-2...

If you are on Tier-2, I would say getting a property is a risky venture but it's usually a good one albeit. If circumstances change, you can always sell or rent out. The adjustment I would advise is to avoid 25% if it will tie down too much of your capital. Being on a visa and having all the probabilities would mean you might wanna have sufficient Emergency Funds.

So, yes, getting the property, but don't use your last card, keep aside some Emergency Funds, so in case plans change, you don't have to sell your house in a hurry or be stranded.

Remember, the alternative is paying your Landlord's Mortgage without building any equity for yourself.

Thank you boss. We are on Tier 2.

Good afternoon Elders,

I need advise on certain decisions especially as regards the proposed 8years Skilled Worker Route to ILR. This proposal is currently causing riot in my head.
We planned buying a property in the next 4-5 months paying the 25% deposit. But the riot in my head is not letting us arrive at any conclusion.
We have options of moving to either Australia (But we Dey fear crawling things), Canada on Work Visa or Ireland but none of this can start fully until my wife finishes her study by first quarter next year.

By my tax calculations, in 5yrs we would have paid over £90k in tax excluding LGA aka council tax. Adding another 3years on top would increase this to over £140k while still at the mercy of employers because of COS.

We had planned that in 6years, my wife will go into another pathway in Nursing leaving Bedside but if this 8years happens that’s extra 3yrs on the edge.

1. Should we go ahead and buy property? Knowing that we may not stay here and people may not be many for renting the house.
Please we need honest advise on the property matter.
I know some of my rants here are unrelated but please I want to know what you gurus honestly think.

gergemam:
Here's to someone thinking someone can't earn over 50K for North

I am in the North East, I don join tech bros and annual pay is a little above £60k. Nor be only South get better Tech jobs.

Guys please be careful out there. If you are a Christian, Be a Christian. If you are thinking of stopping your Christianity, then you should go back to what your ancestors before your ancestors were practicing.
There’s no religion greater than the other. Everything they are selling out there that’s looks like an emancipation is evil. Chiggslover didn’t take his life because he was only depressed. He did because someone had brainwashed him into believing that it is better to ki..ll yourself instead of being treated differently in this world. That is what they EARTH CITIZENS believe in.
I have read through his Twitter handle and all I can see is a brainwashed kid.

Guys please be careful of taking in new religion or trying to think like the West.

Peace.

seyejohn94:
Which mortgage broker are you using?

Embrace is their name, given to us by Your Move estate agent

Children of Perdition, the US have said none of their citizens are involved.

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. 📞

Most Mortgage advisor I have spoken to said this same thing. If we want 10% deposit, we either have £100k combined family income or wait till we are 2 years old in the UK. Alternatively bring the 25%.

We went for viewing today. We like the house and the area. Waiting for the outcome of the discussion between Advisor and lender.

Fingers crossed.

Healhtyliving:
Skipton? If they are offering 100%, 10% for less than 2yrs residency shouldn’t be an issue.

I just got off the phone with a Mortgage Advisor. She said in Summary that Skipton deal is for UK National or ILR holders. If you are less than two years is the same 25% deposit everyone is asking for.
We move with viewing regardless.

Santa2:
If only HTB comes back as proposed, it takes care of this problem. Till then I have same dilemma as you do

We many on this table.

Against the advise of some mortgage advisor, we are going to view two properties on Monday. Old build and New Build.

Them nor dey pay money to view house.

BorisJohnson:
Oga Lexus…
This your thought process is like asking people to migrate to Dutse (Jigawa State) or Nguru (Yobe state) or Zungeru (Kebbi State) or Monguno (Borno state) or Oye-Ekiti (Ekiti State) or Abatete (Anambra State) or Nembe (Bayelsa State) etc….

In ALL the places I mentioned above, they can get a 5 bed bungalow for less than the price of a 1/2 bed face-me-I-face-you in Abuja or Lagos.

Question is: Are there jobs? What (really) is the point of moving away from London to Hull or Sunderland or Middlesbrough or Newcastle or Durham or etc… and there are no jobs there? You buy/rent cheaply, but there are no jobs. What’s the point?

My Chest ooooooh. See as stray NPF bullet come catch us. Work dey NorthEast. But people looking for survival jobs plenty pass the available jobs.

Professional jobs many.

Star721:
I want to also know If blacks are plenty there

I be Black and I dey Newcastle upon Tyne.
Blacks plenty depending on your area.
My village has only Two black families. The others once been here since and them nor dey send us.
We nor dey also send them as we nor keep anybody come Youkay.

Hi Guys, thank you for all the informations you are giving here for free.
Please I have some questions.
We are in the UK been here since 2021. But I have continous urge to go to Canada. With this new Nova Scotia Nursing Board Registration, I am thinking of using this to come in. But I have fears.
Will Canada be better than the UK for us.
My wife is a Nurse and I am a Business Analyst.
In fours time we will get our ILR aka PR at a fee of £10k.
From my research and understanding, assuming we enter Canada this year with work permit, we will be getting PR earlier at $1400 Canadian Dollars.

I need someone to help with information on life in Nova Scotia. I will really appreciate facts on cost of rent for a 3-4 bedroom flat/house.
Schooling for children and Family values.
Tax and bills.

Both myself and wife gets taxed 40% and when we return home with the 60%, we will pay Local Government tax aka Council tax. Then after 5years of this taxing I will have to pay £10,000 for ILR aka PR na this one dey vex me pass.
Youkay have not been bad But that PR money dey vex me.
Please help.

Ticha:
Found this (he needs a good copy writer though) - https://www.nicheadvice.co.uk/10-deposit-mortgage-for-foreign-nationals-with-a-visa-in-the-uk/

and this - https://justmortgagebrokers.co.uk/mortgages/tier-2-visa-mortgages/

Please feedback if they're useful!

Good evening Dear Ancestors.

I am reporting back on my finding with the above links.
None of them have a different advice to Tier 2 holders.
Its still drop 25%. Or wait until you are two years old in the UK.

So we wait till November.

Ticha:
Found this (he needs a good copy writer though) - https://www.nicheadvice.co.uk/10-deposit-mortgage-for-foreign-nationals-with-a-visa-in-the-uk/

and this - https://justmortgagebrokers.co.uk/mortgages/tier-2-visa-mortgages/

Please feedback if they're useful!

Thank you our own mma Ticha.
I will check them out and get back to us here.

pheranmie:
Guys please I have a relative that wanna come here not sure of the route she should take. She is a Nd holder so coming via school will kind of difficult. What means can guarantee her visa. Just an advise please

She can come via college.
It is a cheaper option.

Thank you Semmyk and all other Ancestors showing us Road.

I contacted an Adviser last week who told me lenders are unable to give me LTV of 90%. Because I have only been in the UK for a year.
What is available for me is LTV 75%. Or wait until I am two years old in the UK.
We have 15% of the property we intend to buy but are unable to get a lender that can do 85%.

Please dear Ancestors, if you see any lender that fit run am for me, connect me biko.

I don already pay £9,800 rent for my 13months here.

I want to contribute to my own mortgage.

DoubleN:
Good day all,

Please what type of Jobs can a Tier 2 dependent mom with child care responsibilities do from home?.

Thank you all.

Customer service job.
1. Sensee
2. Capita
3. Concentrix are all hiring WFH

ayrton03:
For tier2? Not PSW

Yes boss

ayrton03:
Is it okay to book my biometric capture appointment the same day my visa is expiring? I got my COS two weeks to the expiration of my tier4 visa.

You can do ID verification at home.
Na so we take do my wife own.

chukusi:
Indi Ishigate. I just moved to town make una show me road.

Make I send email Boss. I need speak with you. Abi make I drop my WhatsApp number?

I don reply you. Drop number on email make we begin dey roll

Lexusgs430:
I dodge the visa kwesions..........

- eBay, Autotrader, gumtree etc etc ....... A checklist of things you need to conduct, is somewhere on this thread....... Dig it out ........

- If you get a decent 2003 vehicle, it would serve you better than an abused 2011 variant...........

Thank you boss.

I dey see 2016 with 130k millage and 2003-2009s with 70k or less millage and I am thinking them don do the millage Mgboka way.

Santa2:
@Pearlyfaze Me too I have a kwesion abeg , how did you get around booking practical test? been trying to get a date all week..No show

I think it all depends on where you are. I live in Newcastle Gateshead (aka Ishigate).

Good afternoon Dear Ancestors.
I want to thank everyone that contributed to my kwesion some months ago.
Wife finally took the PILLON, got paid off and got another job and COS within two weeks. New Visa was approved yesterday waiting for the new BRP.
Please I have two new kwesions.
1. Do we need to apply to change our own visa too?.
2. Where I fit buy cheap reliable Youkay used car now that I have passed my tests.
3. What are the disadvantages of driving 2004-2010 cars.

Thank you for always coming through for us.

HollyMadison:
Hi elders. Please can you recommend a blender for beans? i.e akara and moi moi

Ninja to the rescue

semmyk:
The underlined changes your dynamics in the ordinary sense of it. (Well, based on what you narrated)
Seemly, you're no longer dealing with #relocation, rather, you're faced with #redundancy.
The operative word is no longer 'discussing', but 'consulting' #beware
Let your spouse work with a labour lawyer or a unionist.

In-btw, I left some pointers for you earlier

Thank you boss.

Your explanation made the whole thing easier for us and has helped us in following them constructively.

Can i DM you Please?.