Magdagascariens:



I will appreciate more info on this Sir. Humbly asking...

Anyone who has tried this (on student visas) can also enlighten us.

I think he did it while on a student visa

Magdagascariens:



I will appreciate more info on this Sir. Humbly asking...

Anyone who has tried this (on student visas) can also enlighten us.

The info is clear, or so I thought.
The average house price in Wales, for instance, is about 185,000 pounds, in England about 250k.
If you have that amount of cash, you can buy yourself a house right away. Think Saraki and the average Nigerian politician, for instance.

On the other hand, as a student, you're only allowed to work 20 hours a week, and mortgage lenders generally prefer your mortgage payments to be around 25 - 35% of your monthly income, so if you have the unimaginably great good fortune to work in the equivalent of an oil company back home or somewhere where you are paid not minimum wage, but enough such that 650 - 700 pounds a month is 25 - 35% of your income and not your whole month's income, then you can approach a bank for a mortgage.

TheGuyFromHR:


Reasonably good and steady income.
You can buy a house on a student visa if you like, if you have the raw cash or some form of relevant income and can find a bank to give you a mortgage.

I'm not sure you can buy a house on student visa easily, How many years mortgage and how many years is student visa?

justwise:


I'm not sure you can buy a house on student visa easily, How many years mortgage and how many years is student visa?

It will be nigh on impossible to get a mortgage without commensurate income, obviously.
But my point was that since non-resident foreigners can buy property in the UK, a student visa status is no barrier to buying property.

TheGuyFromHR:


The info is clear, or so I thought.
The average house price in Wales, for instance, is about 185,000 pounds, in England about 250k.
If you have that amount of cash, you can buy yourself a house right away. Think Saraki and the average Nigerian politician, for instance.

On the other hand, as a student, you're only allowed to work 20 hours a week, and mortgage lenders generally prefer your mortgage payments to be around 25 - 35% of your monthly income, so if you have the unimaginably great good fortune to work in the equivalent of an oil company back home or somewhere where you are paid not minimum wage, but enough such that 650 - 700 pounds a month is 25 - 35% of your income and not your whole month's income, then you can approach a bank for a mortgage.

I agree with that part though it will take a lot of doing but the rest of your post is almost undoable

TheGuyFromHR:


It will be nigh on impossible to get a mortgage without commensurate income, obviously.
But my point was that since non-resident foreigners can buy property in the UK, a student visa status is no barrier to buying property.

It will definitely be a barrier unless you are willing to pay cash and a lot of work to convince lenders with the source of your income.

justwise:


I agree with that part though it will take a lot of doing but the rest of your post is almost undoable

Exactly.

But again, don't always assume "students" are small boys in their 20s.
When I was in Aberdeen, at the time almost every Nigerian student in Aberdeen seemed to be studying a course "oil and gas" related in university, and I met some people on study leave sponsored by their companies. I do know of someone who bought property, one Yoruba guy from one of those companies, obviously I don't know how, whether in cash or financed, but this was way before 2008 when rules on mortgage lending were tightened after the crash.

I’ll really like to know how a student that can’t even have a good credit card would be able to secure a mortgage or 100 - 300k. Unless you are a cash buyer. But then as a cash buyer you’ll have to show source of income as well as meet all money laundering regulations. But that’s not to say you can’t cut corners (rouge brokers everywhere)

As for our politicians buying houses overseas, They don’t really have to be residing in overseas before they can buy properties. There’s always a criminal somewhere that would help you facilitate these deals

kaad:


I'm on a tier 4 visa and trying to get a credit card as it seems necessary to build credit score. I got an offer with capital one offering up to £1,500 with 0% interest for the first 3 months and 34.9% APR. As a newbie I need your advise, does this sound good? If not what other options should I explore.
Thanks

My amiable friend has given you the appropriate response. Nothing more to add than to let you know that you're not actually 1500 richer.

STENON:
Hmmmm... I hope this is true. I know it is true for Secondary Teacher applying for primary teaching, but I am not sure about this as it is not applicable to Scotland.

Hello stenon. I have bsc Accounting ,PGDE special education and TRCN.
Can I migrate as a teacher from Nigeria. Like how nurses migrate.
Please how can I start please

TheGuyFromHR:


Well said, I agree with what you've said about homeowning as opposed to renting.

But in terms of what the Indians have generally achieved as compared to us, they haven't really been here "much longer" than us. Quite a few were here before the war, yes, but the main waves of south Asian migration to the UK occurred in the 1950s and 60s, when the parents of people like Sadiq Khan and Rishi Sunak arrived, and the major waves of Nigerian Andrews (who remembers that?) were checking out in the late 70s and 80s and of course as things got worse progressively more arrived in the 90s and 00s.

So the south Asians' head start over us is not all that much, I think their relative success in the UK is down to their drive and family structure - you rarely hear of Indians joining gangs or not finishing their education, even when they're all crammed 3 generations into one or two rooms in that their Southall, which never gained the reputation that Peckham or Brixton did, for instance. They bring over their grandparents to bring up the UK-born children and those ones instill discipline and ambition into the children. And of course they maintain communities, helping each other to thrive relatively way more than Nigerians, for instance, do.

I agree with the comments on Indians... they know how to hold children with a grip. They make them not ashamed to eat the food, Speak the language, wear their outfit but the ones that blows my mind...some even convince their kids to do arrange marriage. .. welldone to them. We have people that came barely 5 mins ago they say they cannot eat Eba or that ogbono soup is smelling

I met like 3 indians who are my mates , privately schooled here in the 90s. Their parents were not rich but hussled hard because they didn't play with education. However for us , the demand from sending money back home will not even let us rest . Although I think we naija are begining to realise say home troubles no dey finish so focus . Focus on your nuclear family here .....

Hmmmm... I hope this is true. I know it is true for Secondary Teacher applying for primary teaching, but I am not sure about this as it is not applicable to Scotland. [/quote]

Hello stenon. I have bsc Accounting ,PGDE special education and TRCN.
Can I migrate as a teacher from Nigeria. Like how nurses migrate.
Please how can I start please

LagosismyHome:


I agree with the comments on Indians... they know how to hold children with a grip. They make them not ashamed to eat the food, Speak the language, wear their outfit but the ones that blows my mind...some even convince their kids to do arrange marriage. .. welldone to them. We have people that came barely 5 mins ago they say they cannot eat Eba or that ogbono soup is smelling

I met like 3 indians who are my mates , privately schooled here in the 90s. Their parents were not rich but hussled hard because they didn't play with education. However for us , the demand from sending money back home will not even let us rest . Although I think we naija are begining to realise say home troubles no dey finish so focus . So focus on your nuclear family here .....

Indians too send money home, but unlike us, they tend to send money back home to pay for bringing more family over.

TheGuyFromHR:


Well said, I agree with what you've said about homeowning as opposed to renting.

But in terms of what the Indians have generally achieved as compared to us, they haven't really been here "much longer" than us. Quite a few were here before the war, yes, but the main waves of south Asian migration to the UK occurred in the 1950s and 60s, when the parents of people like Sadiq Khan and Rishi Sunak arrived, and the major waves of Nigerian Andrews (who remembers that?) were checking out in the late 70s and 80s and of course as things got worse progressively more arrived in the 90s and 00s.

So the south Asians' head start over us is not all that much, I think their relative success in the UK is down to their drive and family structure - you rarely hear of Indians joining gangs or not finishing their education, even when they're all crammed 3 generations into one or two rooms in that their Southall, which never gained the reputation that Peckham or Brixton did, for instance. They bring over their grandparents to bring up the UK-born children and those ones instill discipline and ambition into the children. And of course they maintain communities, helping each other to thrive relatively way more than Nigerians, for instance, do.

The bold you wrote so so painful.... a lot things became worse off . Meanwhile they left thinking naija will become better and brighter. Nothing more painful than that . I watched a couple of the ones I grew up with who kids were born in the USA in the 80s , as things became worse their kids been citizens provided them a backup and they moved back

TheGuyFromHR:


The info is clear, or so I thought.
The average house price in Wales, for instance, is about 185,000 pounds, in England about 250k.
If you have that amount of cash, you can buy yourself a house right away. Think Saraki and the average Nigerian politician, for instance.

On the other hand, as a student, you're only allowed to work 20 hours a week, and mortgage lenders generally prefer your mortgage payments to be around 25 - 35% of your monthly income, so if you have the unimaginably great good fortune to work in the equivalent of an oil company back home or somewhere where you are paid not minimum wage, but enough such that 650 - 700 pounds a month is 25 - 35% of your income and not your whole month's income, then you can approach a bank for a mortgage.

Hnmmm....

Does a dependant who makes about £2000 stand a chance? Can combined family income be considered?

hustla:


Check out ChideraPeters on YouTube

She finished from University of Portsmouth

God bless you

TheGuyFromHR:


Exactly.

But again, don't always assume "students" are small boys in their 20s.
When I was in Aberdeen, at the time almost every Nigerian student in Aberdeen seemed to be studying a course "oil and gas" related in university, and I met some people on study leave sponsored by their companies. I do know of someone who bought property, one Yoruba guy from one of those companies, obviously I don't know how, whether in cash or financed, but this was way before 2008 when rules on mortgage lending were tightened after the crash.

Bro you know as much as i do that for a student to get a mortgage will take a miracle of imagination.

Where will the lender or the solicitor start? Credit record from where? Work history from Nigeria? 2 and half year visa?

Hi, No. I just love researching.

zeb04:


If you don’t mind me asking, did you get sponsored as an embryologist?

TRAY2:


I remember when i posted here about buying my first mortgage just within 19 months of stay in UK, many folks were babbling, but look at what is happening now, with the new mortgage rules either you have ILR or 25% deposit, and house prices and interest rates are going up and up, even renting now is a nightmare.And someone will tell you not to rush, house prices will crash and interest rates will come down, bla bla bla, we are still waiting. I have always learnt to always go with my first gut no matter what anyone says, and it has helped me so far.

Do you really now need ILR or 25% to get a mortgage? If so, then that's sad.

omopapa:
U have pounds?

Saw this late. Yes I had.

I’m assuming it’s sold

NomzyJust:


Saw this late. Yes I had.

Good morning everyone, please does anyone have accommodation links in Birmingham? Aside from Zoopla, Rightmove, open rent? Kindly help

Goodmorning great people, please is anybody coming from the USA to Nigerian soon, or you know anybody coming from USA to Nigerian soon, please and please quote me let me contact you.
A phone was to be sent to me, but the cost of shipping was really on the high side, i tried to use DHL, or if you know any other cheap courier please. Thanks my people, one love.

omopapa:
I’m assuming it’s sold

Yea. Can you drop me a message on my email.

Good Morning Everyone,

Please I need a house for rent for couple, I am a prospective student of University of hull, accommodation has been a major headache for us, please assist .

Iyanu6000:
Good Morning Everyone,

Please I need a house for rent for couple, I am a prospective student of University of hull, accommodation has been a major headache for us, please assist .

Are you in Nigeria or the UK now? You used the term "prospective", which would tend to imply the former.

If you've not already arrived in the UK, be aware that house-hunting generally goes better when you're in-country, as you tend to be taken more seriously when you're around, you can deal with agents in person, go to their offices to leave your requirements, quickly attend viewings, etc., etc.

Advice is: while still searching from Nigeria, if that's where you are now, rent yourself an Airbnb apartment in Hull for about a month. The cost of renting an Airbnb long-term usually compares favourably to the cost of rent and utilities you'd pay if you were a conventional tenant in your own apartment. Then you have a month to pound the streets of your new town looking for something, and that would make it easier for you to get yourself sorted.

Hello House,

Please I have a schedule planned out for UK travel.

I'm looking for a possibility that's mapped out as follows:-
- UK Visa (6 months)
- Work (Band 3 to 4)
- Medical support/assistant work
- Certification Medics
- UK Visa (2 years)
- Regular Work
- Stability...
The list is long and includes plans to leave the UK for greener pastures in less than 5 years.

Kindly assist with ideas and assistance with your wealth of experience and capabilities.

Help me make this a reality in record time.

barakah:
Hello House,

Please I have a schedule planned out for UK travel.

I'm looking for a possibility that's mapped out as follows:-
- UK Visa (6 months)
- Work (Band 3 to 4)
- Medical support/assistant work
- Certification Medics
- UK Visa (2 years)
- Regular Work
- Stability...
The list is long and includes plans to leave the UK for greener pastures in less than 5 years.

Kindly assist with ideas and assistance with your wealth of experience and capabilities.

Help me make this a reality in record time.

What exactly do you need help for?

Lexusgs430:
My latest savings escapade......

I eventually settled for this Legend, but the navigation screen was fuzzy/faulty.....

Seller agreed to fix, but would increase selling cost by £1000 (this was for repair, not replacement)........

I contemplated replacing with android auto, for more enhanced functionality, but i might lose some functionalities, like voice activation etc etc...... ..

I tried to source in the UK, could not find OEM anywhere. My only choice was buying from Honda directly (£1499.00) before VAT.......

A breakers yard in the UK i contacted, only just replied me, he has now listed it on ebay for £178 + & 25 PP..... Thanks but no thanks............

I went yankee surfing, got it at an American breakers yard....

Total cost....... $37.00

My pal is in the states, so he brings it back FOC........

Ijebu boy no dey carry last.......

The person liking this post...... Thank you ó......

If you're contemplating buying a Legend........ Road fund licence aka road tax.... Is now £630 a year.........

Trinity33:
Goodmorning great people, please is anybody coming from the USA to Nigerian soon, or you know anybody coming from USA to Nigerian soon, please and please quote me let me contact you.
A phone was to be sent to me, but the cost of shipping was really on the high side, i tried to use DHL, or if you know any other cheap courier please. Thanks my people, one love.

Head to the technology section. Agents available to assist with logistics........

With all that I have stated.
How to get the visa.
I was denied the last time I applied in 2019.

justwise:


What exactly do you need help for?

barakah:
With all that I have stated.
How to get the visa.
I was denied the last time I applied in 2019.

6 months tourist visa, followed by a period of work, then followed by a 2 year tourist visa, followed by more work?