₦airaland Forum

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Osgilliat:
The same inflation that is happening to you in Nigeria is the same inflation that is happening to him in UK to an extends that he can only afford a one room apartment to house his family.
Inflation is everywhere, we can’t avoid it but can only hedge against it and real estate is a good way to hedge against inflation.

there are jobs
you can wake up there and quit your job sef
2weeks you got another...
a man and 2 kids Livin in one room for UK better pass who de duplex here
your pikin fit go school he no go return
Wike fit come demolish that your house for no reason
check the UK if Thier inflation for that past 20yrs reach 100%
for 9ja from 2020 till now inflation is over 900%

Abi Na the school wen de teach how to draw frog ,abaka wen we no see the use..
them wan kill us with theory..

imagine your 5yr old kid finishing all grades for Yankee come go collage join
...
whatever an average 9ja is doing right now wen de give money no get guarantee for the next 20yrs..

why you feel.say our politicians no de stop stealing..??

OredoPikin2:
i hope Olusegun also update us when the man start building mansions here.
since Tinubu became president, SW people just say anything just to justify the man failure
emergency lovers of Nigeria

Starts building mansion where? The man has thrown himself into a deep hole.

Of course he can build the mansion in his dreams…..
He should stay strong to avoid meeting his ancestors early.

tragergeorge:
inthere are jobs
you can wake up there and quit your job sef
2weeks you got another...
a man and 2 kids Livin in one room for UK better pass who de duplex here
your pikin fit go school he no go return
Wike fit come demolish that your house for no reason
check the UK if Thier inflation for that past 20yrs reach 100%
for 9ja from 2020 till now inflation is over 900%

Abi Na the school wen de teach how to draw frog ,abaka wen we no see the use..
them wan kill us with theory..

imagine your 5yr old kid finishing all grades for Yankee come go collage join
...
whatever an average 9ja is doing right now wen de give money no get guarantee for the next 20yrs..

why you feel.say our politicians no de stop stealing..??

With this negative mindset what are you doing in Nigeria? You should be enjoying your heaven in USA or Europe right now.

ibedun:
I currently live in Lagos, relocated this year after a few decades abroad. I know the UK very well.

There are several reasons that makes one to relocate from a saner climes back home (Nigeria)

1.repatriation
2.retirement
3.health issues
4.drugs related issues
5.lack of focus
5.mental health issues

I am sure you fall into any of these ones

Osgilliat:
The same inflation that is happening to you in Nigeria is the same inflation that is happening to him in UK to an extends that he can only afford a one room apartment to house his family.
Inflation is everywhere, we can’t avoid it but can only hedge against it and real estate is a good way to hedge against inflation.

real estate is good but with how much??
how many persons get the proper orientation??
Na for Inside there your fellow blackman go sell problem land wen them go say make you remove your building or before you come who get power don sell land you buy de accumulate..
carry case up them go say Na you no shine eye
Na you no smart
...
police or judiciary go frustrate your case
9ja the risk here is too much especially for business

Tbfarm1:
Call me anything you like I will do the same but not UK sha. Just 5 years in US he will worth X3 of that amount

Are you in the US?

Revealer3:
There are several reasons that makes one to relocate from a saner climes back home (Nigeria)

1.repatriation
2.retirement
3.health issues
4.drugs related issues
5.lack of focus
5.mental health issues

I am sure you fall into any of these ones

You forgot CHOICE!

All that glitters is not gold and western nations are incredibly overhyped. China’s emergence has completely changed everything and they (western nations) are struggling badly, economically.

Everything is affordable except accommodation. Housing cost will drain all your earnings and savings become impossible .

Many Nigerians are stuck abroad due to lack of funds/choice. Or unreasonable fear of Nigeria…

OredoPikin2:
yes
i know i have more than 4 friends over there and all 4 borrowed money to japa around 2015
today they have more than 2 houses here.
Nigeria is hell

I am willing to bet this is unverified and you cannot substantiate this claim. This is unlikely to be true.

einsteine:
Don't mind them. If Nigeria is so good for the people condemning the move, why don't they have the 60 million the man has?

Well, you got a point but 90% of the people in the uk don’t have a paid off house. Many are working to build a house in Nigeria.

ibedun:
With this negative mindset what are you doing in Nigeria? You should be enjoying your heaven in USA or Europe right now.

I de tell you truth you de talk of negative mind set
tell me the % of 9ja working and earning £750 wen person take de pay one room for UK monthly...
it's just the sad reality in the country...
non of the teachers wen teach most of us for primary school don fit build better house with tenants...
and we don finish University for like 15yrs now..I still do see some, my chemistry teacher for secondary school far back 2002,Na be the headmaster for my daughters school ...
no car , small house wen e build e never fit paint am for more than 8yrs now,no fence..
9ja easy Na he never do those essentials...
it's crazy and it's the butter truth

apart from the government school females with big man husband how many teachers fit afford 17m 2015 corrolla.....

look at stores wen fires graze for market...
not a dime to support the traders affected..
government build mkt back them begin use politics allocate store give Thier side chicks Thier family
people wen he affect can't retain from the new mkt wen them build...

can that happen in common Cape Verde..
??

Sirchiboy:
Nigerian man sells his house in Lagos for N60m, relocates to UK where he lives in one-room apartment with his two children

I SAY MAKE I ASK AI O.

AND THIS WAS WHAT I GOT. BUT OF COURSE AI CAN BE WRONG TOO. BUT IT SHEDS SOME LIGHT FROM SPECULATIONS.




First: what does N60m actually buy you in the UK?

Using recent exchange rates, £1 ≈ ₦1,890–₦1,910.
Exchange Rates UK
+1

So:

₦60,000,000 ÷ ~₦1,900 ≈ £31,000–£32,000

Call it £31.5k capital after selling the Lagos house (before visa fees, flights, deposits, etc.).

In Lagos he was a homeowner; in the UK he’s arriving as a cash-poor renter with ~£30k and two children, in a country where:

Average private rent in England ≈ £1,092/month (higher in London, ~£1,700+).


Food for a family of 3 averages about £560/month.


Average household spending across everything ≈ £623/week (~£2,700/month, Office for National Statistics)

Research on “minimum income standard” suggests a single adult needs ~£30.5k/year, and a couple with two children ~£74k/year, to reach a modest acceptable UK living standard – not luxury.
Joseph Rowntree Foundation

As a lone parent with two kids and no access to most benefits (typical for migrants on temporary visas), he is starting from a tough position.

Now your two scenarios.

SCENARIO 1- Scenario 1 – He comes as an international student

Immigration & work rules (high level)

A Student Visa holder can usually work up to 20 hours/week in term time and full-time in vacations - From UKCISA

No access to “public funds” (Universal Credit, most benefits, social housing).

Since Jan 2024, only certain postgraduate research or government-sponsored students can bring dependants (partner/children).
GOV.UK

Children cannot work; if he’s a lone parent, he is basically the only potential earner.

Likely income

Assume he gets typical low-skill work at around the National Living Wage (~£12.71/hour from April 2026; 2025 is slightly lower but close).
The Guardian

20 hours/week × £12.70 ≈ £254/week

Annually: ≈ £13,200 before tax

Monthly: ≈ £1,100 before tax (maybe ~£1,050 take-home)

In vacations he could work full-time and earn more, but term-time restrictions dominate for most of the year.

Typical monthly costs (outside London, small one-room/studio)

Let’s assume he deliberately picks a cheaper city (Not London, not the Southeast):

Rent for a very modest one-bed or studio in a cheaper city: £700–£900 (he may cram into a room in a shared house to be lower).

Food for 1 adult + 2 kids (if he’s frugal and cooks): say £400–£550 (below or around national average).


Utilities (electricity, gas, water, internet, phone): £150–£200

Local transport, school costs, clothing, toiletries, misc: easily £200–£300

Conservative total: about £1,450–£1,900/month.

But his student-job income is only around £1,050/month. So he is short £400–£800 every month, before we even talk about:

Tuition fees (£12k–£20k+ per year for many courses)

Immigration Health Surcharge, visa fees

School uniforms, laptops, emergencies

That deficit comes straight out of the £31.5k savings.

How long does the N60m last?

Very rough:

If he runs a £600/month deficit, that’s £7,200/year just to survive, plus tuition maybe £15k/year.

Just one year of tuition + living costs could burn £20k–£25k easily.

Two years of a taught master’s = likely most or all of the £31.5k gone unless he has extra income (remote work, support from spouse abroad, etc.).

Survival verdict – Student route

Legally, under UK immigration rules:

He can’t work more than 20 hours/week in term and can’t just “hustle full-time” without risking visa breach.

Kids cannot work; he probably has no benefits due to “no recourse to public funds”.

So:

Short-term survival: Possible if he uses the Lagos house money as “fuel” and lives extremely frugally in a small room. But quality of life = very cramped, financially stressful.

Long-term survival: Very risky. If he doesn’t transition quickly into a Skilled Worker or Graduate visa with decent salary, he could end up with:

No house in Lagos,

No significant savings left,

Still renting a cramped place, and

Pressure to overwork illegally.

His chances of thriving on the student route with two kids and only N60m capital are low, unless:

He’s on a funded PhD (stipend), or

He has strong additional support (spouse overseas sending money, or high-pay remote work in tech, etc.).

SCENARIO 2 -Scenario 2 – He comes with work sponsorship (Skilled Worker visa)

Immigration & work rules

On the Skilled Worker route:

His UK employer must sponsor him and pay at least the skilled worker salary threshold – currently £41,700 baseline for new applications, or the higher “going rate” for that job.

He can generally work full-time, change jobs within rules, and often work overtime.

Most Skilled Worker holders and their dependants also have no recourse to public funds, so still no benefits.

Many skilled workers can bring dependants (partner & kids), though some categories now bar bringing dependants (e.g. social care roles).
House of Commons Library

Likely income

Take the minimum Skilled Worker salary: £41,700/year.

Approximate tax & NI:

After income tax & NI, net is roughly £2,700–£2,900/month (ballpark).
(A rough calculation suggests around £2,800/month take-home.)

Monthly costs again (outside London)

Use the same band as before:

Rent: £800–£1,000 for a small flat in a cheaper city.

Food: £450–£600 for 3, if they eat mostly at home.

Utilities: £150–£200

Transport, school costs, clothes, misc: £250–£350

Total: around £1,650–£2,150/month.

With ~£2,800/month take-home, he might have a surplus of ~£600–£1,100/month if he budgeted tight and stayed out of London.

That surplus can go to:

Building an emergency fund,

Paying for childcare/after-school club so he can work full hours,

Saving toward a car, or eventually buying a home (though that’s a long road).

And remember, he still has the £31.5k capital from Lagos (minus visa, flights and initial setup). That money can:

Cover deposits (often 5–6 weeks rent + 1 month up front),

Buy basic furniture and laptops for kids,

Provide buffer for the first 6–12 months while he settles.

Survival verdict – Skilled Worker route

Legal work hours: He can work full-time, and perhaps overtime, without breaching immigration rules.

Income level: While £41.7k is below the “ideal” £74k for a couple with 2 kids MIS benchmark,
Joseph Rowntree Foundation
a single breadwinner on that salary can realistically support a small family in a cheaper UK city if they live modestly.

Living standard: They’ll still feel “poorer” compared to owning a house in Lagos, but:

Bills are pay-able from salary.

Savings can grow slowly.

Kids access UK schooling and future opportunities.

Risk: If he loses the sponsored job, visa security and income are at risk; but structurally, this route is much more sustainable than being income-capped as a student.

Overall comparison – “Chances of survival”

Economically & legally, with current UK immigration rules:

Student route (with two children, N60m capital):

Income restricted to part-time, around £13k/year from legal work.

High tuition + high cost of living.

Burn rate of savings is very fast.

Survival = heavily dependent on:

External support, OR

Very rapid transition to a better visa/job.

High risk of downward mobility and hardship despite having sold the Lagos house.

Skilled Worker route (work sponsorship):

Full-time earning at £41.7k+.

No benefits, but salary roughly aligns with lower-middle UK income.

With careful location choice (not London), they can:

Pay rent and bills from salary,

Use the £31.5k as cushion,

Slowly rebuild assets.

Chances of stable survival and gradual progress are much better.

Bottom line

If a Nigerian father sells a paid-off house in Lagos (₦60m) and moves to the UK with two children:

Coming as a student, under current rules, is financially fragile and often not a rational move unless:

He has a funded PhD / scholarship,

Or a second strong income source.

Coming with a solid Skilled Worker sponsorship paying at or above the new thresholds is far more viable, though it still means:

Downgrading from homeowner to renter,

Living very modestly at first,

Accepting that the UK is a high-cost, high-rules environment with limited safety nets for new migrants.

If you want, we can next plug in specific UK cities (e.g. Manchester, Birmingham, Glasgow vs London) and model monthly budgets and burn-rate of that ₦60m under each scenario.

The man is running away from bandit and terrorist

obataokenwa:
How much is in your account. I bet you major things you have are on finance if truly you're not suffering

Why should I tell how much is in my account...as who?

That all the people with families you know who lives abroad are struggling, does not mean it is same for everyone.

One who is a Senior Clinical Practitioner (Grade 12) working full-time (36hrs/week) as a permanent staff of a borough in Central London, is not suffering.

That monthly minimum wage your relatives in Nigeria earn, is what I earn under an hour for online psychotherapy sessions, which is my online side hustle....if e easy to be a UKCP and BACP accredited Psychotherapist, go run am and see if you will still be financially broke.

Elzazzi:
Which country I fit come reason ? I want to go with student route !

Na your money
Denmark Netherlands norway

ibedun:
Reality or fantasy?

Have you ever lived abroad? I am willing to bet you haven’t. You won’t be saying this bs.

I would have ignored you, but let me just tell you something

Do you think he’d squander the 60million Naira like that?

Unless he doesn’t get a job, in 5 years time he’d be able to buy a 60 million Nairaland house if he wants.

Read again, he travelled with his family, meaning 2 people can be working

Nextjs:
If work visa yes but student visa not possible he will be able to stay that 5 years unless he transit to work visa

You’re right. That’s what I meant and hope for him to get work permit

Osgilliat:
He sold a house that would have worth 150m in 3 to 5 years for 60m to relocate to UK of all places.
He will soon understand life in UK. Truly, some people are born to suffer.

What make you think is born to suffer Shey you get house? Talk more of having 60m in your account? Abeg leave the man. As long he wasn’t denied the visa he go definitely make ham

I will rather be a king than a servant no matter the condition.

For the next 10 years he would not even be able to build back the same house in Nigeria, this japa syndrome sometimes is not even about poverty but this mentality that anything white must be better, they have done a serious psychological damage on us.

9

motymop:
dont mind him, he is doing it for his children

Which children? The vast majority of Nigerian children born in the UK did not turn out well especially the boys.

Laptop aka data boy if you take the advice you dish you would stay off my mention and project your own views

ibedun:
Speak for yourself only. Stop projecting your own life and frustration on others.

RodgersAkpafu:
This is inaccurate sha

And ur sister husband will eventually regret that decision

Esp when the kids of those who left converge with those who were left behind
The difference will be so clear, make una no worry

.

Princewill1:
Far right parties and movements are growing in all of Europe. Europeans are tired and angry of mass immigration to their countries. They are blaming there govtd for open border and it's even worse in the UK.

If care is not taken, there may be an out break of civil war in the UK in less than 5yrs from now. The locals are mad about the influx of Pakistanis, Indians, Arabs and Africans destroying their cities, culture and heritage.

I pity Africans left in that UK, when the evitable crisis will break out.

https://m.youtube.com/shorts/8XrObC-XbBw

London now looks like Mumbai India, Karachi Pakistan or Lagos Nigeria. I enjoy reading the comments on this British anti immigrant forum, I wouldn't even give it 5 years before something close to civil war breaks out because the oyinbos are mad as in raving mad about mass immigration. I pity you Africans selling your properties to go to the UK, if the reform party doesn't win the next election all hell is breaking out in that country.

Zico5:
Even leaving that money in palmpay for 30 days will fetch him up to 1million naira. The man just make a grave mistake

Who will give PalmPay 60m to keep for him. Please can you do that?

andyre34:
He did well. In UK he will earn a minimum of £25,000 with a high standard of living. Health and Wealth improvement. He has secured a future for his children. He may suffer initially but he will never regret. If he manages to save £5000 a year that is N10m already

That is if he has a professional job, or has a good skill.

Bigboy2024:
Which is better staying behind to pay a ransom of 60M or sleeping in a one room apartment with your family in the UK. Choose one. Lol.

With peace of mind. People don't really know the value of peace of mind

SonOfDSoil01:
don’t mind them. A lot of people are so ignorant and don’t do their research before travelling. My immediate younger sister as also been in the Uk with her hubby for 7yrs now. Though they are doing good for themselves because they now own their own house but she is still complaining about the harsh reality of living in the Uk as a migrant and how govt policy is now even making so difficult for them because the taxes are so draining and it’s just seem you are working for the Uk govt to better their economy because their economy is more dependent on tax. She share a lot of stories of people who left decent jobs here in Nigeria for uncertainty and some still paying the money they borrowed from people in Nigeria before they left…most of the developed world are now making tougher migration policies just to discourage migration. Just like some people rightly mentioned, anyone planning to migrate now should do a thorough research about the country he/she is migrating to and also importantly, you must have skills in a certain field that will earn you a job. Most of them who failed to do this are living with regret and are ashamed to return home.

But why should a person be complaining of paying tax, when you can see clearly what is being done with the tax. Sequrity, good water, 24/7 electricity, good health care system, you can afford to eat anything you want.

ibedun:
What is the probability of this in today’s UK, US, Canada or Europe?

5K job in america is very easy to get.
canada of 10 years ago could easily offer him 5k, but canada of today is no somehow.
forget uk or europe, 5k job in those countries na war.
another country that can easily offer him 5k is australia.

The only way to break even in uk is thru loan, they offer generous loan with a reasonable time to pay. That was how I built my second house in naija and I paid back the loan within 4 yrs.
canada make sense only if u have a stable job and u are PR- however, stable job is no longer guaranteed in present unstable canada economy. Trudeau almost wrecked that once prosperous country b4 he left.

but selling a 60million naira house to gamble it in uk no make sense at all. That's 30 thousand pounds, even british will look at him like 'is he cray?'

RaptorX:
London now looks like Mumbai India, Karachi Pakistan or Lagos Nigeria. I enjoy reading the comments on this British anti immigrant forum, I wouldn't even give it 5 years before something close to civil war breaks out because the oyinbos are mad as in raving mad about mass immigration. I pity you Africans selling your properties to go to the UK, if the reform party doesn't win the next election all hell is breaking out in that country.

London DOES NOT LOOK LIKE MUMBAI

Where are you guys getting this from?
Have you even been to London to see with your own eyes?

Or you are relying on racist platforms to feed you their distorted image of London?

And Reform wont win in 2029
And hell will not break loose

They tried to break hell loose, as Yvette Cooper and Keir Starmer sent wetin pass them on the streeta to nail them, body told them and they went home (the ones who didnt end up in jail)

No be here we dey
we go see

Lekby25:
But why should a person be complaining of paying tax, when you can see clearly what is being done with the tax. Sequrity, good water, 24/7 electricity, good health care system, you can afford to eat anything you want.

you dey mind backward Nigerians?