Zahra29:
https://www.west-midlands.police.uk/news/health-workers-jailed-over-abuse-woman-aged-89

They were caught through the use of secret recording in case anyone thinks that such evidence is inadmissible.

Let's hope this serves as a lesson.......

bigtt76:
Children too go get CoS from their school Since they all want to move madt

Student Visa

Zahra29:


Thanks for the update Ticha, our senior South Pacific correspondent ☺️

It sounds like western countries have come to recognise that the student route is increasingly being used by certain countries as a means to immigrate and they are clamping down. So I guess it's not just UK universities that will "suffer".

And this is a supposedly pro-migration, liberal Labour Australian govt but I'm not too surprised, I've always known Australia to have a volatile and strict immigration policy that it changes as and when to suit its interests. They were the originators of a Rwandan style agreement for offshoring asylum seekers, in fact the UK is a novice next to their playbook.

Oh yes, UK na tata when it comes to harsh immigration policies. Make I wear my correspondence badge with honour

Interestingly, India signed a bilateral agreement with Australia in 2022 that locks in the existing post study work rights for their citizens so they will not be affected in this round of changes. Where is our giant when other countries are signing these agreements biko?

Ticha:


Oh yes, UK na tata when it comes to harsh immigration policies. Make I wear my correspondence badge with honour

Interestingly, India signed a bilateral agreement with Australia in 2022 that locks in the existing post study work rights for their citizens so they will not be affected in this round of changes. Where is our giant when other countries are signing these agreements biko?

India is flexing their muscles here as well. They already have a special route that allows their young people to come here and live and work for 2 years, and they've been pushing for more relaxed visa arrangements as part of the free trade deal that the UK is desperate to sign with them. It's annoying to be honest because they are already the biggest group of immigrants by a large percentage so I'm not sure how many more visas they want.
The arrangement is supposed to be reciprocal, the only problem is that it would effectively be one way as I'm sure the Brits would say a polite "no, you're alright mate" to any offer to go and live in Mumbai😂

When will Nigeria be in a great position (respect not begging) to get such bilateral agreements??

So many lies from the government, e.g. announcing that UAE reversed the visa ban, meanwhile it wasn't... even after a 1 on 1 meeting with Tinubu

Ticha:


Oh yes, UK na tata when it comes to harsh immigration policies. Make I wear my correspondence badge with honour

Interestingly,[b] India signed a bilateral agreement with Australia in 2022 that locks in the existing post study work rights for their citizens so they will not be affected in this round of changes. [/b]Where is our giant when other countries are signing these agreements biko?

DoDirtsLikeWorm:


Student Visa

Lol

Ticha:


Oh yes, UK na tata when it comes to harsh immigration policies. Make I wear my correspondence badge with honour

Interestingly, India signed a bilateral agreement with Australia in 2022 that locks in the existing post study work rights for their citizens so they will not be affected in this round of changes. Where is our giant when other countries are signing these agreements biko?

Ur giant president emilokan is planning to give diasporans mortgage 😂

hustla:



I'm convinced if they ask some people to sacrifice their siblings to the UK government so they can continue to lick home office's behind, they will willingly do it

So, if I had some mental health breakdown during my course, or life happened and I didn't graduate with good grades, make them fling me away abi?
After paying nearly x3 what home students pay with 0 student loans or support from the same government.. Abi?

I hope its sarcasm sha but just Continue

There will be exception if you have mental health issues. It’s called extenuating circumstances.

hustla:
Food don land

Make una come defend this one too

I don’t know about this but the plans he has on banning vaping and cig for teenagers, that’s the kind of policy’s I would like to see implemented.

horlahxeyi:


Please help me out o.

Have u been able to do it?

lavida001:


I don’t know about this but the plans he has on banning vaping and cig for teenagers, that’s the kind of policy’s I would like to see implemented.

LOL the ban will be on the surface. It will make vapes expensive on the black market

Hmmm, Japa 2.0...

Been waiting to share this, wanted to have my keys first.

So after exactly 2 years in the UK, I got a house on a mortgage, new build.

Process took 2 months from when I identified and decided on the building, could have taken less but I intentionally delayed it because I needed the next salary to complete the deposit and I applied for the mortgage like a month before the 2 years would actually complete.

I don't know how to write plenty, I'll just drop whatever information I think is useful so if you have any questions, ask.

You need like 2 years residence history to stand a chance of mortgage approval.

Mortgage Advisors play a role, one advisor said Barclays can only give me for 40yrs duration, another advisor gave me the same Barclays for 30yrs.

It's difficult to decide on 2 or 5 yrs fixed term so do your research, I went for 5 yrs but at a point, I was thinking of changing to 2 yrs but I guess we've passed that step now.

If you are planning on bringing in huge funds for the purchase, bring it well before hand to avoid plenty explanation, six months statement is usually required but sometimes, while you're explaining an inflow, you may be required to bring statements dating further back.

It's OK to negotiate rates, sometimes if the lender does not hear back from you on time, they will contact you and reduce the rate without you asking, perhaps they thought you have not responded because of the rate.

For new builds, beside the decision on whether to do 2 or 5 yrs and the choice of house, I don't think there are any special skills or knowledge required, advisors will be doing their thing and giving you update, solicitors will be doing their thing and giving updates, if they require any information they will reach out. Your own is to read and sign documents and ask questions as they arise.

While your income play a role in how much you can borrow, your outgoing play a role in your affordability. The lender complained about my outgoing and the mortgage advisor advised that I reduce my son's days in school to reduce the fees. So I just told them to remove the school fees entirely and explained that he will stay with his aunty, whether I implement that does not matter again. Other options will be to pay off car insurance for the year to reduce the monthly outgoing or pay part of the car loan to reduce the monthly payments.

If you haven't, start your moneybox journey, I got 4k free from moneybox. Me 2k, wife 2k.

If it's a new build, you can buy towards the time when most of the houses are sold, as the houses are getting sold, they begin to introduce discounts and cashback. I was lucky to buy the show home (isn't this rare?) although the furnitures were removed, some other items like curtains and decor were left. The catch here is if it takes long to sell, prices and rates would have changed (this may be good or bad depending on whether it goes up or down) and the particular house you are waiting for may not be waiting for you.

There are lots of schemes available especially for new builds including first home schemes and shared ownership, depending on your money, you can explore these. I didn't use any scheme because I could raise the deposit.

Credit score matters but credit history matters more. Credit history does not mean using credit up and down, it simply means don't miss credit payments.

There's hardly a right time to start the process, just get an idea of the area and cost of the building you want, raise some money and approach a mortgage advisor and things will begin to unfold and become clear.

My appreciation goes to everyone who have contributed to mortgage issues on this thread, I learnt alot and the information gained were useful.

Viruses:
Been waiting to share this, wanted to have my keys first.

So after exactly 2 years in the UK, I got a house on a mortgage, new build.

Process took 2 months from when I identified and decided on the building, could have taken less but I intentionally delayed it because I needed the next salary to complete the deposit and I applied for the mortgage like a month before the 2 years would actually complete.

I don't know how to write plenty, I'll just drop whatever information I think is useful so if you have any questions, ask.

You need like 2 years residence history to stand a chance of mortgage approval.

Mortgage Advisors play a role, one advisor said Barclays can only give me for 40yrs duration, another advisor gave me the same Barclays for 30yrs.

It's difficult to decide on 2 or 5 yrs fixed term so do your research, I went for 5 yrs but at a point, I was thinking of changing to 2 yrs but I guess we've passed that step now.

If you are planning on bringing in huge funds for the purchase, bring it well before hand to avoid plenty explanation, six months statement is usually required but sometimes, while you're explaining an inflow, you may be required to bring statements dating further back.

It's OK to negotiate rates, sometimes if the lender does not hear back from you on time, they will contact you and reduce the rate without you asking, perhaps they thought you have not responded because of the rate.

For new builds, beside the decision on whether to do 2 or 5 yrs and the choice of house, I don't think there are any special skills or knowledge required, advisors will be doing their thing and giving you update, solicitors will be doing their thing and giving updates, if they require any information they will reach out. Your own is to read and sign documents and ask questions as they arise.

While your income play a role in how much you can borrow, your outgoing play a role in your affordability. The lender complained about my outgoing and the mortgage advisor advised that I reduce my son's days in school to reduce the fees. So I just told them to remove the school fees entirely and explained that he will stay with his aunty, whether I implement that does not matter again. Other options will be to pay off can insurance for the year to reduce the monthly outgoing or pay part of the car loan to reduce the monthly payments.

If you haven't, start your moneybox journey, I got 4k free from moneybox. Me 2k, wife 2k.

If it's a new build, you can buy towards the time when most of the houses are sold, as the houses are getting sold, they begin to introduce discounts and cashback. I was lucky to buy the show home although the furnitures were removed, some other items like curtains and decor were left.

There are lots of schemes available especially for new builds including first home schemes and shared ownership, depending on your money, you can explore these. I didn't use any scheme because I could raise the deposit.

There's hardly a right time to start the process, just get an idea of the area and cost of the building you want, raise some money and approach a mortgage advisor and things will begin to unfold and become clear.

My appreciation goes to everyone who have contributed to mortgage issues on this thread, I learnt alot and the information gained were useful.

How much do you reckon is down payment for 2 bed?

Congratulations man

Anyone still up for joint house rent in London.

Looking for 4 guys we can join funds and rent a house together.

lavida001:


How much do you reckon is down payment for 2 bed?

Congratulations man

Location is everything...down south wey we dey everything cost but up north you can get a sweet 4 bedroom with garage for the price of a 2 bed apartment in the south(no kidding).

Viruses:
Been waiting to share this, wanted to have my keys first.

So after exactly 2 years in the UK, I got a house on a mortgage, new build.

Process took 2 months from when I identified and decided on the building, could have taken less but I intentionally delayed it because I needed the next salary to complete the deposit and I applied for the mortgage like a month before the 2 years would actually complete.

I don't know how to write plenty, I'll just drop whatever information I think is useful so if you have any questions, ask.

You need like 2 years residence history to stand a chance of mortgage approval.

Mortgage Advisors play a role, one advisor said Barclays can only give me for 40yrs duration, another advisor gave me the same Barclays for 30yrs.

It's difficult to decide on 2 or 5 yrs fixed term so do your research, I went for 5 yrs but at a point, I was thinking of changing to 2 yrs but I guess we've passed that step now.

If you are planning on bringing in huge funds for the purchase, bring it well before hand to avoid plenty explanation, six months statement is usually required but sometimes, while you're explaining an inflow, you may be required to bring statements dating further back.

It's OK to negotiate rates, sometimes if the lender does not hear back from you on time, they will contact you and reduce the rate without you asking, perhaps they thought you have not responded because of the rate.

For new builds, beside the decision on whether to do 2 or 5 yrs and the choice of house, I don't think there are any special skills or knowledge required, advisors will be doing their thing and giving you update, solicitors will be doing their thing and giving updates, if they require any information they will reach out. Your own is to read and sign documents and ask questions as they arise.

While your income play a role in how much you can borrow, your outgoing play a role in your affordability. The lender complained about my outgoing and the mortgage advisor advised that I reduce my son's days in school to reduce the fees. So I just told them to remove the school fees entirely and explained that he will stay with his aunty, whether I implement that does not matter again. Other options will be to pay off can insurance for the year to reduce the monthly outgoing or pay part of the car loan to reduce the monthly payments.

If you haven't, start your moneybox journey, I got 4k free from moneybox. Me 2k, wife 2k.

If it's a new build, you can buy towards the time when most of the houses are sold, as the houses are getting sold, they begin to introduce discounts and cashback. I was lucky to buy the show home although the furnitures were removed, some other items like curtains and decor were left.

There are lots of schemes available especially for new builds including first home schemes and shared ownership, depending on your money, you can explore these. I didn't use any scheme because I could raise the deposit.

There's hardly a right time to start the process, just get an idea of the area and cost of the building you want, raise some money and approach a mortgage advisor and things will begin to unfold and become clear.

My appreciation goes to everyone who have contributed to mortgage issues on this thread, I learnt alot and the information gained were useful.

Congrats!!!

Viruses:
Been waiting to share this, wanted to have my keys first.

So after exactly 2 years in the UK, I got a house on a mortgage, new build.
useful.

Nice one.

Congrats to you and wifey.

bigtt76:
Tru, I should look at this option next time. Though the Trainline app I use sef, de embarrass me sometime when trying to pull up the tickets e too slow

Anyone buying Trainline ticket (open return/1month) shd be careful. They sometimes offer you one month return but after using outward,you discovered your ticket is same day return. I don see a lot.

lavida001:


How much do you reckon is down payment for 2 bed?

Congratulations man

Thank you.

10% of the price of the property. I can't give a specific figure since I don't know the price of the property.

Santa2:


Congrats!!!

Thanks alot, I appreciate.

Chreze:


Nice one.

Congrats to you and wifey.

Thanks chief, I appreciate.

Strata1716:



She doesn’t frustrate me anymore, that ended a couple of weeks back after I stood my ground and refused to be bullied. Looking for an apartment is a whole lot of stress also rents are higher than it was when I moved in.

What if she poisons you or chook you knife?


Will you still be thinking about stress/cost of moving out?

Poanan:


My emphasis was on many Nigerians are hooked on HCA jobs. This is what most dependants do and this has been received to be "low quality" by some people in govt. However, no one talks about how difficult it is to get into the formal sectors. Someone i know who finished last year in the U.S already has a job of 200k. His mates in the U.k are counting time in one care home. Before getting that job his first job was in Amazon which he got while still in school, the same thing happeend to the sister of a friend same U.S.
My classmate attended Oxford and already had his CFA, baba stayed for a while before getting a job. May be a year or also. If it was in the U.S that would have been different. I am not saying UK shouldnt put their citizens first but making a direct comparison with the U.s is some what different. We have been told here that it is easier to get UK visa than the U.S visa but that doesn't translate to being migrant friendly. I am not saying they are hostile though.

Getting a white collar job or high paying job in UK is about demonstrable skills.

They don't value certificates/certification or bloated CVS.

People with demonstrable skills still get and change jobs every day

umarwy:


Getting a white collar job or high paying job in UK is about demonstrable skills.

They don't value certificates/certification or bloated CVS.

People with demonstrable skills still get and change jobs every day

.


Are you sure you read what he wrote?

Viruses:
Been waiting to share this, wanted to have my keys first.

So after exactly 2 years in the UK, I got a house on a mortgage, new build.

Process took 2 months from when I identified and decided on the building, could have taken less but I intentionally delayed it because I needed the next salary to complete the deposit and I applied for the mortgage like a month before the 2 years would actually complete.

I don't know how to write plenty, I'll just drop whatever information I think is useful so if you have any questions, ask.

You need like 2 years residence history to stand a chance of mortgage approval.

Mortgage Advisors play a role, one advisor said Barclays can only give me for 40yrs duration, another advisor gave me the same Barclays for 30yrs.

It's difficult to decide on 2 or 5 yrs fixed term so do your research, I went for 5 yrs but at a point, I was thinking of changing to 2 yrs but I guess we've passed that step now.

If you are planning on bringing in huge funds for the purchase, bring it well before hand to avoid plenty explanation, six months statement is usually required but sometimes, while you're explaining an inflow, you may be required to bring statements dating further back.

It's OK to negotiate rates, sometimes if the lender does not hear back from you on time, they will contact you and reduce the rate without you asking, perhaps they thought you have not responded because of the rate.

For new builds, beside the decision on whether to do 2 or 5 yrs and the choice of house, I don't think there are any special skills or knowledge required, advisors will be doing their thing and giving you update, solicitors will be doing their thing and giving updates, if they require any information they will reach out. Your own is to read and sign documents and ask questions as they arise.

While your income play a role in how much you can borrow, your outgoing play a role in your affordability. The lender complained about my outgoing and the mortgage advisor advised that I reduce my son's days in school to reduce the fees. So I just told them to remove the school fees entirely and explained that he will stay with his aunty, whether I implement that does not matter again. Other options will be to pay off car insurance for the year to reduce the monthly outgoing or pay part of the car loan to reduce the monthly payments.

If you haven't, start your moneybox journey, I got 4k free from moneybox. Me 2k, wife 2k.

If it's a new build, you can buy towards the time when most of the houses are sold, as the houses are getting sold, they begin to introduce discounts and cashback. I was lucky to buy the show home (isn't this rare?) although the furnitures were removed, some other items like curtains and decor were left. The catch here is if it takes long to sell, prices and rates would have changed (this may be good or bad depending on whether it goes up or down) and the particular house you are waiting for may not be waiting for you.

There are lots of schemes available especially for new builds including first home schemes and shared ownership, depending on your money, you can explore these. I didn't use any scheme because I could raise the deposit.

Credit score matters but credit history matters more. Credit history does not mean using credit up and down, it simply means don't miss credit payments.

There's hardly a right time to start the process, just get an idea of the area and cost of the building you want, raise some money and approach a mortgage advisor and things will begin to unfold and become clear.

My appreciation goes to everyone who have contributed to mortgage issues on this thread, I learnt alot and the information gained were useful.

Congratulations 🎉 and welcome to your lovely home.... More celebrations

ukay2:


Congratulations 🎉 and welcome to your lovely home.... More celebrations

Thabk you very much.

Viruses:
Been waiting to share this, wanted to have my keys first.

So after exactly 2 years in the UK, I got a house on a mortgage, new build.

Congratulations, we dey expect house warming invite.

Viruses:
Been waiting to share this, wanted to have my keys first.

So after exactly 2 years in the UK, I got a house on a mortgage, new build.

Process took 2 months from when I identified and decided on the building, could have taken less but I intentionally delayed it because I needed the next salary to complete the deposit and I applied for the mortgage like a month before the 2 years would actually complete.

I don't know how to write plenty, I'll just drop whatever information I think is useful so if you have any questions, ask.

You need like 2 years residence history to stand a chance of mortgage approval.

Mortgage Advisors play a role, one advisor said Barclays can only give me for 40yrs duration, another advisor gave me the same Barclays for 30yrs.

It's difficult to decide on 2 or 5 yrs fixed term so do your research, I went for 5 yrs but at a point, I was thinking of changing to 2 yrs but I guess we've passed that step now.

If you are planning on bringing in huge funds for the purchase, bring it well before hand to avoid plenty explanation, six months statement is usually required but sometimes, while you're explaining an inflow, you may be required to bring statements dating further back.

It's OK to negotiate rates, sometimes if the lender does not hear back from you on time, they will contact you and reduce the rate without you asking, perhaps they thought you have not responded because of the rate.

For new builds, beside the decision on whether to do 2 or 5 yrs and the choice of house, I don't think there are any special skills or knowledge required, advisors will be doing their thing and giving you update, solicitors will be doing their thing and giving updates, if they require any information they will reach out. Your own is to read and sign documents and ask questions as they arise.

While your income play a role in how much you can borrow, your outgoing play a role in your affordability. The lender complained about my outgoing and the mortgage advisor advised that I reduce my son's days in school to reduce the fees. So I just told them to remove the school fees entirely and explained that he will stay with his aunty, whether I implement that does not matter again. Other options will be to pay off car insurance for the year to reduce the monthly outgoing or pay part of the car loan to reduce the monthly payments.

If you haven't, start your moneybox journey, I got 4k free from moneybox. Me 2k, wife 2k.

If it's a new build, you can buy towards the time when most of the houses are sold, as the houses are getting sold, they begin to introduce discounts and cashback. I was lucky to buy the show home (isn't this rare?) although the furnitures were removed, some other items like curtains and decor were left. The catch here is if it takes long to sell, prices and rates would have changed (this may be good or bad depending on whether it goes up or down) and the particular house you are waiting for may not be waiting for you.

There are lots of schemes available especially for new builds including first home schemes and shared ownership, depending on your money, you can explore these. I didn't use any scheme because I could raise the deposit.

Credit score matters but credit history matters more. Credit history does not mean using credit up and down, it simply means don't miss credit payments.

There's hardly a right time to start the process, just get an idea of the area and cost of the building you want, raise some money and approach a mortgage advisor and things will begin to unfold and become clear.

My appreciation goes to everyone who have contributed to mortgage issues on this thread, I learnt alot and the information gained were useful.

Congratulations boss man. Congratulations to your wife too, without her support it might have been harder.

Inspiration full this thread I swear, just choose the one you want!

Congratulations @viruses.

Congratulate and pass… which one is without her support, it might have been harder.

Where in his message did he mention somehting like that?

ehizario2012:


Congratulations boss man. Congratulations to your wife too, without her support it might have been harder.

Inspiration full this thread I swear, just choose the one you want!

Congrats my brother 🥂🥂

Viruses:
Been waiting to share this, wanted to have my keys first.



My appreciation goes to everyone who have contributed to mortgage issues on this thread, I learnt alot and the information gained were useful.