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Living In The Uk-life Of An Immigrant (part 2) - Travel (797) - Nairaland

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Living In The Uk-life Of An Immigrant (part 3) / Living In Canada/Life As A Canadian Immigrant Part 2 / Living In The Uk/life As A UK Immigrant (2) (3) (4)

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Re: Living In The Uk-life Of An Immigrant (part 2) by dupyshoo: 8:13pm On Jan 05, 2023
Showing her pension account with no balance will suffice. I applied for my dad with just his pension account which had about N20k and it was not an issue. It was mentioned in the application that he spends all his pension.

The main issue is your account, you need to prove that you can sponsor her. What I normally do is to put aside £400 per month in a separate account for about 7-8 months. I show the account, my payslips, mortgage statement and add letter of invitation.
Solumtoya:


I'm about to apply for my Mother-in-law end of this month... She's a pensioner, gets monthly pension less than N100k but no balance as she spends it all. I got her sons to fund her account to about N250k last week though just as New Year gift/stipend.

So I'm gonna sponsor. Until last month, I wasn't really keeping funds in my account. My income is good but I move it to my Stocks and Shares ISA and leave like £100 in my account but in the last few weeks, I got my Tax refund and some borrowers paid me back so the Account has seen inflow of several thousands and I intend to leave it that way till month end when I apply.

Do I have to explain each of these inflows? Any other thing I need to be aware of before I apply?

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Re: Living In The Uk-life Of An Immigrant (part 2) by dupyshoo: 8:18pm On Jan 05, 2023
The link below might answer your question for England.
https://www.gov.uk/guidance/recruit-teachers-from-overseas

jagbasneh:
Good evening guru in the house, this work visa teacher route precisely, that will commence this February, what are the requirements?
And the Ireland work visa also that will commence this February what are the requirements also? Quick one please

1 Like 3 Shares

Re: Living In The Uk-life Of An Immigrant (part 2) by Zahra29: 8:41pm On Jan 05, 2023
Solumtoya:


Depending on the location, a house that would contain 3 families could cost anywhere between £180k and £600k on the average and you need to make at least 10% down payment plus other fees. Also, having just arrived, you might not easily get a mortgage, the list goes on with regards to the challenges you will face.


Deposit is typically min 25% for non permanent residents, especially without a decent length of residency
Re: Living In The Uk-life Of An Immigrant (part 2) by Zahra29: 9:12pm On Jan 05, 2023
mizGene:

I do say so from personal experience. I'm in a related industry and know SEVERAL immigrants being sponsored. While I was job hunting recently, the IT PM roles I saw and interviewed for, sponsorship was never an issue either.

I also believe that once you know your onions, regardless of your industry, sponsorship is not going to be a barrier.

Is this within the NHS? NHS is one of the biggest UK employers and has a lot of recognised shortages, and therefore a lot more sponsorship opportunities.

I didn't say sponsorship was impossible, but the reality is some roles (and sectors) will always attract sponsorship easier
Re: Living In The Uk-life Of An Immigrant (part 2) by BuildingProject: 9:23pm On Jan 05, 2023
dupyshoo:
Buying a house can take up to 2 months+ for cash buyer and 3 months+ for those buying with mortgage. So, it is not that straightforward. Then, depending on your type of visa and credit rating, you might not get a mortgage. Also, the amount you have will likely not be enough deposit for you. Also, once you buy a house, you automatically lose the benefits of a first time buyer. So, buying another house will be difficult and you will need to pay huge stamp duty.


For someone that is a student working part time and has like 40% deposit. What are the possible requirements to get a mortgage?

Does the person requires a payslip? If yes, how many month?

If i have an Accountant that can " provide" the payslip, is the bank going to verify the NI paid or would likely request to see the bank statement showing the payment monthly?

I know I need a mortgage advisor on this but we still have elders here that can detect a white fowl from the pot. Lol.
Re: Living In The Uk-life Of An Immigrant (part 2) by Meogom: 9:34pm On Jan 05, 2023
koonbey:


Well done!

Did you do this with your Nigerian license?

If so, how high was the insurance, if you don't mind sharing, please.

I'm trying to figure out if using that to register a vehicle in the interim is worthwhile.

Used International drivers licence, got insurance for 107 pounds per month

1 Like

Re: Living In The Uk-life Of An Immigrant (part 2) by Peerielass: 9:59pm On Jan 05, 2023
BuildingProject:


For someone that is a student working part time and has like 40% deposit. What are the possible requirements to get a mortgage?

Does the person requires a payslip? If yes, how many month?

If i have an [/b]Accountant that can " provide" the payslip [b] is the bank going to verify the NI paid or would likely request to see the bank statement showing the payment monthly?

I know I need a mortgage advisor on this but we still have elders here that can detect a white fowl from the pot. Lol.

Hmm the BiB……do you mean get your ‘Accountant’ to forge payslips?

You will need to provide minimum of 3 month payslips and bank statement showing the net wage hitting your account. You will likely be asked to provide your offer of employment letter and also a recent letter from your employer confirming your contract ie permanent and working hours etc.

The checks required for mortgage application are usually very thorough, I doubt what you are suggesting will be able to withstand the scrutiny required.

3 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by igbsam(m): 10:01pm On Jan 05, 2023
Peerielass:


Not just the bank statement, the ECO expects proof to support your claim that she has a business eg evidence of business name, bank statements in the name of the business and tax clearance etc, whereas if you had just stated she was a Homemaker there wouldn’t have been any need to provide the additional documents.

Thank you for your clear response. Mistake has been made and correction taken. Albeit, how wise would it be to go with this step given to reapply ( Not anytime soon though). Cos in all honesty, she's not fully actively in the food vending business due to health issues, just something she does occassionally. Head wan burst

2 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by Zahra29: 10:04pm On Jan 05, 2023
BuildingProject:


For someone that is a student working part time and has like 40% deposit. What are the possible requirements to get a mortgage?

Does the person requires a payslip? If yes, how many month?

If i have an Accountant that can " provide" the payslip, is the bank going to verify the NI paid or would likely request to see the bank statement showing the payment monthly?

I know I need a mortgage advisor on this but we still have elders here that can detect a white fowl from the pot. Lol.

Best to get a "whole of market" advisor who has access to various types and sizes of lenders, not just the high street

But off the top of my head, some of the challenges or questions you might face are:

Temporary residency status
Insufficient length of time in the UK
Source of funds checks on your deposit
Credit history or lack thereof
Earnings - broadly, lenders will usually lend a maximum of 4 to 4.5 times of your salary.
Financial commitments - any outstanding student fees would have to be declared and might impact your affordability

Payslips and bank statements will be required. Depends on the lender and specific circumstances, but around 3 months is typical.

3 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by erico2k2(m): 10:21pm On Jan 05, 2023
Meogom:


Used International drivers licence, got insurance for 107 pounds per month
107
Re: Living In The Uk-life Of An Immigrant (part 2) by Peerielass: 10:22pm On Jan 05, 2023
igbsam:


Thank you for your clear response. Mistake has been made and correction taken. Albeit, how wise would it be to go with this step given to reapply ( Not anytime soon though). Cos in all honesty, she's not fully actively in the food vending business due to health issues, just something she does occassionally. Head wan burst

I would say leave it for now and then reapply say in 6 to 12 months. You will need to address the issues raised in the refusal letter -you can tell them there has been a change of circumstances and she is no longer running the business due to ………….. and is now a Home Maker. I wouldn’t say due to ill health as mentioning her health issues might throw another curveball I.e how can she look after your kids if she’s ill or they might claim she is a health tourist. You need wisdom to follow this people.

Good luck.

3 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by Solumtoya: 10:38pm On Jan 05, 2023
dupyshoo:
Showing her pension account with no balance will suffice. I applied for my dad with just his pension account which had about N20k and it was not an issue. It was mentioned in the application that he spends all his pension.

The main issue is your account, you need to prove that you can sponsor her. What I normally do is to put aside £400 per month in a separate account for about 7-8 months. I show the account, my payslips, mortgage statement and add letter of invitation.

The beauty of Nairaland, thanks for sharing your experience, it helps!

2 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by dupyshoo: 11:27pm On Jan 05, 2023
Not sure how to address the issue of the business but I will advise not to say that she is coming to take care of her grandchildren as it might/might not be termed as "working". I will rather say she is coming to see her new grandchild and attach the baby's birth certificate with the application. This worked for us when we had our kids
igbsam:


Thank you for your clear response. Mistake has been made and correction taken. Albeit, how wise would it be to go with this step given to reapply ( Not anytime soon though). Cos in all honesty, she's not fully actively in the food vending business due to health issues, just something she does occassionally. Head wan burst

10 Likes 3 Shares

Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 11:34pm On Jan 05, 2023
dupyshoo:
Not sure how to address the issue of the business but I will advise not to say that she is coming to take care of her grandchildren as it might/might not be termed as "working". I will rather say she is coming to see her new grandchild and attach the baby's birth certificate with the application. This worked for us when we had our kids

You think UKBA is unaware of the cost of childcare and the role granny can play ............ grin

In my applications (many moons ago)..... I specifically mentioned looking after her grandchildren (nah joke to have two pickins 9 months apart).......... cheesy

We too like toi toi......... grin

6 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by dupyshoo: 12:31am On Jan 06, 2023
If it worked for you then, that means it is okay. I said that cos I have heard someone was denied because of that. It might have been an over zealous case worker.
Lexusgs430:


You think UKBA is unaware of the cost of childcare and the role granny can play ............ grin

In my applications (many moons ago)..... I specifically mentioned looking after her grandchildren (nah joke to have two pickins 9 months apart).......... cheesy

We too like toi toi......... grin
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 12:33am On Jan 06, 2023
dupyshoo:
If it worked for you then, that means it is okay. I said that cos I have heard someone was denied because of that. It might have been an over zealous case worker.

Absolutely....... Maybe CW required a coffee fix ....... cheesy
Re: Living In The Uk-life Of An Immigrant (part 2) by pheranmie(m): 12:38am On Jan 06, 2023
Goke7:


You're already working in the health sector, try and develop there. You didn't practice as a chemical engineer so you have no experience along that line which is what is needed in the UK and not degrees. With some experience in care that you have, try looking for health care support roles in the NHS, the idea is to get in so you have opportunity to be trained and get qualifications that you won't need to pay for. There are different specialisations within the NHS as a support worker like mental health, physiotherapy and so many. Imagine just spending just a year there. Any qualifications you get are world class recognised in many parts of the world. For me this may be cheapest route. If you want to go the IT way then you may need to spend some money to get trained in some specialised courses like cyber security or cloud engineering. For me except you don't need visa sponsorship doing courses on project Mgmt or business analysis may not be ideal and cost effective. Other people here may have better advice but this is just my little contribution

Thanks you for this eye opening advice . I better develop my skills and knowledge on this and get better. Thank you
Re: Living In The Uk-life Of An Immigrant (part 2) by pheranmie(m): 12:40am On Jan 06, 2023
dupyshoo:
Check the link below for grad chemical/process jobs. You can also check the likes of BP, Centrica, Eon, Ineos, Siemens, Emerson among others. I am sure these companies sponsor cos my friends got sponsorship from the companies.

https://www.gradcracker.com/search/chemical-process/engineering-jobs


Thanks for this .
Unfortunately my class of degree is third class (the unserious type back in uni) always hustling for money. I felt bad as I feel I wished I had done it better. Well live goes on .

1 Like

Re: Living In The Uk-life Of An Immigrant (part 2) by BuildingProject: 12:40am On Jan 06, 2023
Peerielass:


Hmm the BiB……do you mean get your ‘Accountant’ to forge payslips?

You will need to provide minimum of 3 month payslips and bank statement showing the net wage hitting your account. You will likely be asked to provide your offer of employment letter and also a recent letter from your employer confirming your contract ie permanent and working hours etc.

The checks required for mortgage application are usually very thorough, I doubt what you are suggesting will be able to withstand the scrutiny required.



Employment letter showing xxxxx amount. Checked
Letter from recent employer. Checked
Payslip showing xxxxx amount. Checked

My concern here is I don't want to wait 3-6 month before applying for the mortgage.

Secondly, if using accountant, i still need to pay income tax, NI, pension if needed and also employer is also going to add his /her own. Paying all this for 3 month or 6. Is it worth the stress? Àbi I should just apply with my £400 payslip that I have gathered over time.
Re: Living In The Uk-life Of An Immigrant (part 2) by taif(f): 12:56am On Jan 06, 2023
Solumtoya:


Why not consider National Express to bring the person closer, they won't mind all the luggage and their terminal is right inside Heathrow. It won't be easy to get a driver for this 6-hour journey.

My brother please this national express are they train station as well, because I have been thinking how we go survive all the load I get.
Re: Living In The Uk-life Of An Immigrant (part 2) by Solumtoya: 1:24am On Jan 06, 2023
taif:


My brother please this national express are they train station as well, because I have been thinking how we go survive all the load I get.

It's not Train but Coach, it's like what we call "Luxurious bus" back home. They have space for a lot of luggage and is the cheapest means of transport you can get, really. If you book ahead, each person can pay as low as £20

4 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by CheesyTee(f): 2:08am On Jan 06, 2023
Peerielass:


Tell me about it! This will be the time for you to learn new skills. The Islanders enjoy knitting and playing the fiddle…..maybe you should join them cheesy.

grin I used to be a pro at knitting, thanks to my granny. But now, I think I've grown out of it or maybe I just lost interest.

I've recently taken up slack-lining and I really enjoy it, except when the wind blows like crazy. And don't even get me started on cycling in these gusty conditions. One gust of wind and I'm roadkill.

Maybe I'll take up fishing but not in this weather
grin

1 Like

Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 7:25am On Jan 06, 2023
JaySterling:
Hi guys, I just moved to the UK In October for my PHD with my wife and 2 kids. I’m the main applicant and wife is dependent.

My two younger brothers are also coming in February for their masters with their wife’s
and kids

The 3 of us are planning on buying a property which would serve as a family house for 3 of us our wife’s and kids, instead of paying multiple rent.

We jointly have about 18M in Nigeria
Please can this be enough to serve as a down payment for a bungalow where we can spread the balance over the years in a mortgage plan.

Also, we are planning on putting all the funds (18M) into one account and send it to UK via form A. Would this be possible?

Please can someone advise me on the process for all this and guide us on what best to do to avoid mistakes

Very, very,very bad idea.

You might even struggle to find a lender that would be comfortable with the idea and would be happy to approve the mortgage. Even if you get approval in principle, at the time the final application is put through and the whole situation/arrangement is considered, the mortgage can easily be declined.

So assuming you all have 1 child each, you want to fit in 6 people in a 3 bed "bungalow"? UK is not like Nigeria and this type of "naija" sense is not the way to go in UK.

Do you know what it means to have 3 names on a mortgage as well as its legal implications should anything go wrong or when one party decides he wants to sell or one or more parties decide they won't pay the mortgage ?

5 Likes 1 Share

Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 7:30am On Jan 06, 2023
BuildingProject:


For someone that is a student working part time and has like 40% deposit. What are the possible requirements to get a mortgage?

Does the person requires a payslip? If yes, how many month?

If i have an Accountant that can " provide" the payslip, is the bank going to verify the NI paid or would likely request to see the bank statement showing the payment monthly?

I know I need a mortgage advisor on this but we still have elders here that can detect a white fowl from the pot. Lol.

Smh. So you want to get a mortgage through fraudulent means ? undecided

Go ahead. When you are caught and your name is added to CIFAS, don't come here to cry and ask for advice.

6 Likes

Re: Living In The Uk-life Of An Immigrant (part 2) by taif(f): 9:37am On Jan 06, 2023
Solumtoya:


It's not Train but Coach, it's like what we call "Luxurious bus" back home. They have space for a lot of luggage and is the cheapest means of transport you can get, really. If you book ahead, each person can pay as low as £20


Thanks for this explanation, can they be easily access,I mean to get to where one will board it, hope it is not stressful like the train own and how do one book for it
Re: Living In The Uk-life Of An Immigrant (part 2) by CowbellY: 9:52am On Jan 06, 2023
eniola1010:


So why wont they see the dubai trip na?
Also, lets assume you have been to uk, ger, dubai, fra, belgium, and now you have a fresh passport, and you are traveling from nigeria to uk, do you mean

1) uk immigration can only see that you have been to uk in the past

Or

2) uk immigration can only see that you have been to uk and other shengen listed above but not dubai

Or

3) uk immigration can see all of the countries you have been to before

1.
Re: Living In The Uk-life Of An Immigrant (part 2) by seunoj: 9:57am On Jan 06, 2023
eniola1010:


So why wont they see the dubai trip na?
Also, lets assume you have been to uk, ger, dubai, fra, belgium, and now you have a fresh passport, and you are traveling from nigeria to uk, do you mean

1) uk immigration can only see that you have been to uk in the past

Or

2) uk immigration can only see that you have been to uk and other shengen listed above but not dubai

Or

3) uk immigration can see all of the countries you have been to before

They can have access to verify all if interested.
It doesn’t take much as these embassies share info with another.
Re: Living In The Uk-life Of An Immigrant (part 2) by bigtt76(f): 10:00am On Jan 06, 2023
They see everything - when you arrive the country, when you leave and where you traveled to. That's why they ask for your passport at the entry point or departure even if they don't stamp you out.


eniola1010:


So why wont they see the dubai trip na?
Also, lets assume you have been to uk, ger, dubai, fra, belgium, and now you have a fresh passport, and you are traveling from nigeria to uk, do you mean

1) uk immigration can only see that you have been to uk in the past

Or

2) uk immigration can only see that you have been to uk and other shengen listed above but not dubai

Or

3) uk immigration can see all of the countries you have been to before
Re: Living In The Uk-life Of An Immigrant (part 2) by bigtt76(f): 10:17am On Jan 06, 2023
Book here - https://book.nationalexpress.com/coach/#/choose-journey

Be ready to wheel your luggage to their boarding terminal. Its not straight from aircraft to the bus cheesy


taif:



Thanks for this explanation, can they be easily access,I mean to get to where one will board it, hope it is not stressful like the train own and how do one book for it

3 Likes 1 Share

Re: Living In The Uk-life Of An Immigrant (part 2) by CowbellY: 10:39am On Jan 06, 2023
bigtt76:
They see everything - when you arrive the country, when you leave and where you traveled to. That's why they ask for your passport at the entry point or departure even if they don't stamp you out.



Not really. They see what's on the passport and your immigration records to that particular country only. Except you have a flag on your passport which can be request by any country.

Arriving in Dubai (for example) on a fresh passport, they have no means of verifying your UK immigration record as the UK doesn't share border information with them.
Re: Living In The Uk-life Of An Immigrant (part 2) by Osoderi(m): 11:14am On Jan 06, 2023
morning house, I have been trying to build my credit but it is not strong. I have applied for American credit card and I am using it. I have register for vote, I have included all my direct debit payment in my credit karma but still my scores is 570.

I have applied for credit cards in two of my banks but was refused. saying I am not eligible due to my score is low. pls what other ways can I do to increase my score.

A friend adviced me to get Argos card to use it to buy things and pay back.

pls I need more advice, I really want to build my credit.

I have stayed one year in the UK.

is there any lenders that can borrow me money to repay back to enable me build my credit pls. kindly advice. Thank u
Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 11:17am On Jan 06, 2023
Lexusgs430:


Your mum not working is not a crime....... You would have been upfront in your application letter, stating Grandma was coming to look after her only grandchild. She would be visiting for 3 month's and all expenses on your head (flight, accommodation, health insurance) etc etc.........

But not so long ago some people on this thread said it is a red flag to say your relative is coming for omugwo.

Which i find absurd. Cus if person wife born how person wan support him wife. Will both husband and wife now leave work when there are bills to pay? And only god knows how many months martenity leave uk dey give. Even if they give a long maternity leave who go come dey house with the wife.

So i dont think it should be an issue to tell vo that the grandma is coming for omugwo

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