Lexusgs430:

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To ensure she got some ties to Nigeria (working and earning well).........

Once your sister is above 18 years old, you really have no control over her ..........

If the visa is granted and she decides not to return, you guys cannot force her ..... You gerrit .......

EngrSaks:
Yeah if her circumstances change to that of a student then she can apply with details that will favour a student application

omopapa:
This (bolded) is a faster but expensive route because it will take another 6-9months to tidy her finances and to “present” a tie to Nigeria

Lexusgs430:



Shame on you........

STENON:
thanks Engr. We have applied for a January admission for her . Na money be the koko now

EngrSaks:
Cool, she shouldnt hide the fact that she got denied for a visit visa in the student visa application...as these circumstances are different so them no go fit use that regae spoil this blues..as long as there is proof of funds and admission she go get am

EngrSaks:
Guys please think through before rushing to buy a new built house with help to buy o, it's not bad but buying an old house is alot better...

I know 2 people that bought houses roughly the same time...one bought with help to buy and the other bought with the normal old house deposit

The one that got the old house has remortgage, placed the house on rent and have gotten another house...while the one with help to buy has their liability to the govt increased


Even if it means waiting a year extra to gather the old house deposit, gather it, and then upgrade the house small small...in a few years you can remortgage, change the use and get a new house (with the increase in value)

Stay woke!

STENON:
Goodafternoon. I applied for my younger sister for 6 months visiting visa but she was refused. She is a graduate, worked with a private hospital in Nigeria for 1 year prior to January 2021. She left her job, moved to stay with my Parents as Home Care Assistant because they are old and now wanted to visit for holiday. I and My husband are sponsoring her trip but I was disappointed based on the reason for refusing her visa. Why are they interested in her bank details ??

EngrSaks:
Na the way o. Hahahahaha

STENON:
thank you bro. I will try my best for her again, please if you know people charging 2-4% for bank statement, or giving student loan, I don't mind

Irenenwaka:


How much you need roughly?more details please

dustydee:

Please can you elaborate more on the limitations and drawbacks of Help to buy?

Lexusgs430:



If you can't beat them...........

DeeOneBangin:


Not sure about a younger person, but the latest case I am aware of is that of my aunt (62yrs old). Fully sponsored by her nephew in the uk and she didn’t show her SOA. Her visit visa was granted

Lexusgs430:



Yes ...... Once someone is independent, they need to show ties to Nigeria.......

Those ties must be tidy enough, to resist temptation...... May we all have the ability to resist temptation........

Even if she provided that bank statement, they would find another reason to refuse her ........

A couple of years ago, when my younger sister applied. She was refused, according to the jobsworth that dealt with her file, my mum's bank statement was FAKE ..........

My younger sister was working and earning well..........

My elder sister and I put our legal wigs on, appealed the decision (had loads of evidence on tow ).......

We headed down to Feltham on the hearing day, within one hour, case was over ........ Immigration judge ruled in our favour ........ Sent a letter to UKBA to issue visa ...........

My younger sister is now fully resident and legal in the UK .....

EngrSaks:
Guys please think through before rushing to buy a new built house with help to buy o, it's not bad but buying an old house is alot better...

I know 2 people that bought houses roughly the same time...one bought with help to buy and the other bought with the normal old house deposit

The one that got the old house has remortgage, placed the house on rent and have gotten another house...while the one with help to buy has their liability to the govt increased


Even if it means waiting a year extra to gather the old house deposit, gather it, and then upgrade the house small small...in a few years you can remortgage, change the use and get a new house (with the increase in value)

Stay woke!

bigtt76:
How did she achieve the bolded

EngrSaks:
I will just use my guys cases to give the limitations of help to buy

As the amount of the house increased, the amount he owed also increased

After 5 years, your interest rate increases, it also increased with the increase in value

Hard to remortgage to get out money to reinvest in another property

In a traditional "old" house, you can add a new toilet, refurbish the bathroom or upgrade the kitchen or add a conservatory and get instant increase in property value

In a new built, to make amendment you need plenty talk to get approval for minor renovation


Now I'm looking at home ownership as a means of wealth generation...if you can be remortgaging and buying new property every 5-8 years then at retirement you should have at least four houses without too much stress


Plus, everyone should get life insurance themselves and their partners o...na life insurance oyibo take dey ensure say their house go remain for the family after them die...insurance will pay off any unpaid mortgage after death

Irenenwaka:


Hello Ola, let’s always remember that this is life where everything doesn’t always go as planned.
I have seen people who get accommodation in 1-2 weeks, i have seen others as well who don’t secure a place in like 2 months.

If i tell you can secure a place in 20 days, what happens in you are unable to do so? Have you got extra cash for more days on airbnb?(if you do then you can go with the airbnb option, whereas if you don’t it could be a risky option)

If i were in your shoes i would accept the accommodation my family is offering at Manchester. The location might not meet my requirements but at least i could stay there and gradually look for an accommodation in my desired location without being under any pressure.

Living in a shared accommodation as someone highlighted can be very challenging even with your kids but who knows you might get a very good place.

Just to add the time scale required to find a place depends on a lot of factors such as if you have enough money to pay upfront for rent as you are new to the uk, if you going to rent directly from landlord or agent, if you find an accommodation that suits the family needs and so on.

In summary stay away from any option that puts the family under unnecessary stress, duress and financial strain and most importantly pray about your plans.

bigtt76:
How did she achieve the bolded

STENON:
Thank you, but she is not paying anything, we are sponsoring her trip. What is the best thing to say she is coming for?

tushqueen:



Is she married

Jbloc:
I beg to disagree.
The are both the same scenario, with HTB is even better
Person 2 can sell off his Help to Buy house in year 2, pay off his government liability and buy an old house. He has effectively used the interest free loan to get a leverage.
No point to wait an extra year and be paying rent, leverage the loan and get on the ladder.

Jbloc:
No oga.
You can remortgage, sell or do whatever you want on the house. You can pay off your loan early too, irrespective of the current house value. Its all a win-win situation.

Lexusgs430:



Yes ...... Once someone is independent, they need to show ties to Nigeria.......

Those ties must be tidy enough, to resist temptation...... May we all have the ability to resist temptation........

Even if she provided that bank statement, they would find another reason to refuse her ........

A couple of years ago, when my younger sister applied. She was refused, according to the jobsworth that dealt with her file, my mum's bank statement was FAKE ..........

My younger sister was working and earning well..........

My elder sister and I put our legal wigs on, appealed the decision (had loads of evidence on tow ).......

We headed down to Feltham on the hearing day, within one hour, case was over ........ Immigration judge ruled in our favour ........ Sent a letter to UKBA to issue visa ...........

My younger sister is now fully resident and legal in the UK .....

bigtt76:
How did she achieve the bolded

Jbloc:
No oga.
You can remortgage, sell or do whatever you want on the house. You can pay off your loan early too, irrespective of the current house value. Its all a win-win situation.

RalphJean:



By their posts, we can estimate their age. Ancient of days... its no longer called UKBA. Its UKVI now.
Repeat after me:
U-K-V-I

Jbloc:
I beg to disagree.
The are both the same scenario, with HTB is even better
Person 2 can sell off his Help to Buy house in year 2, pay off his government liability and buy an old house. He has effectively used the interest free loan to get a leverage.
No point to wait an extra year and be paying rent, leverage the loan and get on the ladder.

Estroller:
I'm sure EngrSaks is referring to HTB equity loan which gives the government a stake in your property, and yes you can remortgage but you won't have the luxury of choice available to someone with an old build.
Also when you come to sell, government will be cashing in the % of their stake left in the property.

Estroller:
In that year 2, the person will most likely be dealing with negative equity as the new build would have been bought at a premium, so if he sells he will be doing so at a loss or at best breaking even.

Jbloc:
I'm not entirely sure what you mean buying at premium and selling at a loss.
There is equally no guarantee an old build will appreciate in value in 2 yrs.
After 2 years, your deposit and your monthly equity is intact. If house appreciates, it's a plus. My point it's a better savings, than waiting 2 extra years to save money for an old build. The rent you are paying for 2 years, is effectively saved to buy your old build and build your portfolio