₦airaland Forum

thanks for this.. This is something we need to tell FTB ooooo... so they're prepared

From your example, for the initial 1st month (Feb 2024) there will be no mortgage payment except for Council tax.. so you just pay the normal rent and bills for where you live..

Then use the Feb 2024 to sort mail redirection, billers, etc

For the opening and closing meter readings for electricity/ gas in both the new property and the rented property, i guess this is how it works:

Rented property: Take closing meter readings on the last day of "living" in the rented place... meaning you leave before the next day

Mortgage property: Take opening readings on the day you go to the house even if you've not moved in?

Peerielass:
Unfortunately you may need to pay both for a month (or two) to give you time to actually move into the new property, get furniture and carpets, arrange mail redirection etc.

In my experience if you complete in Jan 2024. It’s likely your first mortgage repayment might be on 1st March. The mortgage provider will issue a letter after completion stating the monthly repayment amount and the date for the first collection.

Council tax starts counting the moment you take ownership. Remember to take opening and closing meter readings for electricity/ gas in both the new property and the rented property.

thanks for making it worse lol

How do people manage the timeline considering they're not in control of when the mortgage is fully completed

deept:
you forgot council tax for both properties

thanks boss

More questions:

1. Please how do you people that have completed mortgage transactions manage the timeline between when the tenancy of your rented place is done and when the mortgage deal is successfully exchanged so that you avoid paying rent and mortgage in both places?

2. If one exchanges contract and completes mortgage in Jan 2024, when does one start paying the 1st monthly mortgage payment?

Solumtoya:
Life Insurance is a personal decision and wasn't compulsory. If you have one, fine, it's really for you and not the Mortgage.

Real Estate Agents, and even Mortgage Brokers/Advisor, are not compulsory. I never really used a Real Estate Agent and I could really done without a Mortgage Advisor too. The only compulsory party is really the Solicitor. For your comfort, I'd advise to use any good Mortgage Advisor though to cross the ts and dot the "i"s.

thanks for the responses...

That location thing ehnnn.. this research of a thing is deep because one has to consider proximity to London cos of work, Kids' school, community. etc.

Also, the rates i'm seeing.. hopefully being married to a Brit brings the rates down a bit for me.. we earn way over £100k but the problem is that LISA rates cap at 450k for any house you intend to use the LISA funds for..

How many houses with minimum 3bedrooms can be gotten around that? We can't go too far from London because of work ..

[quote author=Estroller post=127880817][/quote]

hi hi,

what a great set of intelligent and resourceful minds..

I already feel like I own a home lol

For each of us that help out with answers and support, may thy wishes and prayers be answered too...

I will have questions from time to time..

1.This building and life insurance that is tied to mortgage... is it the same as the normal life insurance we all know?

2. What if one already has life insurance before doing mortgage? will one need to do another for the mortgage?

3. Do I need to go thru a real estate agent to kick-start or i can just start looking for a good home i'm interested in?

4. What if i use a real estate agent but i like a house that isn't on sale by that real estate agent? Can i still use their mortgage advisor?

found the answer to my question, thanks

Solumtoya:
Yearly

hi bro, been busy reading thru each page..

The Building/Content Insurance cost in yours... is it one-off? or you still pay monthly?

Congrats on the new house (to everyone)

Solumtoya:
Not hidden but little costs here and there that could add up. The only major one really is the Solicitor's fee which is like £1.5k to £3k. With a New build, you have to furnish, etc depending on what the Builders are willing to do or not do. With an Old build, you might have to fix a few things.

If you're like me, I would say "no think am, just put head". If I realised I would be spending so much, I would have waited for another 1 year to save up but it was better I didn't know cos I have spent so much but just one day at a time.

I have put down below some of the extra costs for me and I didn't include things like Sofa, Transport for the various times I had to go to the site; and numerous purchases to furnish the new house. Most of these may not apply if it's a house that's already furnished. The Upgrades are things like fridge, spotlights, extra taps and lights, turf in the garden, etc.

great response.. i don't have to wait till the expiry then

[quote author=Estroller post=127842313][/quote]

thanks for the responses.. i'm in great timing then.. i will read thru the provided links..

BouharryArtikou:
1. Depends on the reason(s) for the long absences. The 28 days refers to the days before you are eligible for that visa.

2. It’s even nice (and better) to apply when you still have some time on your existing visa.

This was really useful:
https://immigrationstory.uk/en-gb/tools/ilr-calculator#calculator-questionnaire


Below is the official website
https://www.gov.uk/indefinite-leave-to-remain

hi hi,

1. what if one can't account for 5years in the UK (traveling out for a period) and one is now within the 28days for the expiry of the work visa?

2. what if one already has way more than 5years but the BRP date hasn't expired? this might be my own case.. i have till end of 2025 but i would have had more than 5years before then

Mamatukwas:
You should apply for your ILR no more than 28 days before the expiry of your work visa. If you wait till it expires then you must extend it before applying.

At the time of application you should have passed your life in the UK test.

I missed everyone

Scotland introduced new tax rate for those earning £75,000+

45% tax rate

https://www.bbc.co.uk/news/uk-scotland-scotland-politics-67759418

WISDOM!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

LionInZion:
@Poanan,

So many strong statements and jabs in this short post of yours. It makes me wonder if you are talking about different UK that I also live in.
1. A lot can be determined within the short 30-minute interview by both the interviewer and interviewee, and there is also a probation period.
2. Why would anyone chicken out of a prospective great role if they are confident of their ability?
3. If any European is still thinking Africans live in trees, it's not because they are European - it's because they are foolish. And foolishness isn't peculiar to a race.

Lastly, if I may freely advise, you might need to start letting go of certain prejudices.

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?

Good point ....i think Scotland never wanted to leave EU

Zahra29:
In the unlikely event that they were ever allowed to leave the UK, they would apply to rejoin the EU and would have to adopt the euro I believe.

Scotland leaving means they might have a new currency then right?

Zahra29:
Your arms will fall off lol

Scotland had an independence referendum in 2014. They voted to remain in the UK. The SNP is the only party still pushing the independence agenda but their demands for a second referendum are consistently vetoed by Westminster.
In any case it is very likely that Labour will become the ruling govt in Scotland after the next election.

hmmmmmmmmm

wisdom!!!!!!!!!!!!!!!!!

Another thing i have noticed from family members & friends i know in Canada... the depression is on another level.. and they live faraway from help.. country is massive..

Infact one had to go to Nigeria for a while on unpaid leave to get some sanity.. the cold and cost of living were 2 of his major points

kwakudtraveller:
Words on a marble

https://www.reuters.com/world/americas/canadas-surging-cost-living-fuels-reverse-immigration-2023-12-09/

ghen ghen

Even Canada is tough!!!!!

100%!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Goodenoch:
They usually go around asking everyone, or on some services they simply don’t ask anyone.

I used the train A LOT until very recently and I have been asked to show my railcard by a variety of people, with the vast majority being white. The one time I had an issue with loading up the app, the black rail guy just told me to get it sorted because I’d likely be asked when exiting the station I was getting off at.

What does that prove though? Nothing.

The plural of anecdote is anecdotes, not evidence.

Attempting to extrapolate individual experiences to cast a group of people as having any particular character (whether positive or negative) always leads to nothing but prejudice.

kwakudtraveller:
Chairman, I believe the issue here is that you’ve still not acknowledged that your statement about black immigrants in general was wrong. Because if you knew all these from inception, why make that statement? And you still never say wetin you talk dey bad, meaning say you stand by am. Make we dey try dey acknowledge our bias and no dey use the same eye dey view everyone. Black immigrants are not out to get each other.

hustla:
.. And only white people have ever asked me for it so it goes both ways

Infact, the only time I made a mistake and didnt pay, it was a black guy and he explained what happened to me. Also told me i can get a refund

ReesheesuKnack:
Even France’s Emmanuel Macron who (and his supporters) speak so much bile (I use the word intentionally) on Marie Le Pen. Guess who sent an ‘anti immigration’ bill to Parliament? No. You guessed wrong. It wasn’t Marie Le Pen. It was EMMANUEL MACRON.

Lies bro... you didn't understand his limitations

If you did, you won't have judged him quick and given him the "migrant" tag...

You won't have been that angry that you wanted to "hit" him

You're now changing goal post and forming you understood his limitations

ehizario2012:
Nice one. I thought of this too and it was what finally calmed me down. The black guy actually had limited options. Maybe na ontop e head Dem for apply the rule to the letter! I expected people to have said that since but instead na so so law Dem dey quote. I understood his limitations.

Ticha, thanks for this... all i have been saying..all i have been freaking saying

I provided visa approval data and links of even Australia revising their immigration laws....

Provided % of immigrants data to Total population...

Till today, no data to back their emotional responses....

Some said it is because I settled status which i don't have... i still paid the IHS and visa fees last year.. i'm affected

Some said i have oppressed mentality.... meanwhile they don't look in the mirror.. .. when you keep that mindset, you're actually the one being oppressed.. the oppression has a great real estate in their minds

You can keep migrating and keep complaining because no country is perfect when it comes to immigration

There are countries that will want 1 million immigrants, but they do it in milestones over a period of time... No country will just open their borders to 1 million immigrants at once

They do it in stages and review each stage to see the pressure on the amenities and system (people, culture, facilities, budget, etc).

If you fail to plan, you plan to fail

That's where Nigeria has failed.. we don't even know how true population, and so how do we then plan? Policies are done by trial and error .. no data.. just implement half-baked policies and steal money

Ticha:
Toh Australia is flexing their immigration policies powers too. There are also calls for caps on international student numbers and over all immigration numbers. The truth is they're targeting reduction to some specific nationalities but they obviously can't say those specific nationalities are not welcome so everyone gets caught in the reduction.

https://www.theguardian.com/australia-news/2023/dec/11/labor-targets-student-and-some-worker-visas-in-overhaul-of-australias-temporary-migration-program

A very close family member has just received her student visa to Australia for a PhD. She paid an initial deposit was £27k and £15k of that was health insurance for a family of 3 for 3 years and the rest was one full semester's fees upfront.

Then she also had to pay £289 to the state government to apply for an approval to enrol her children in a state school - there are no school fees because she is a PhD student but if she was going as a masters student, she would have had to also pay school fees of £1800 per year, per child upfront and attach receipts to the visa application.

Medicals cost N210k and her daughter had to redo her medicals twice as she was just on the threshold for weight - basically they put her on a diet for 2 weeks o so she could fall under the weight threshold.

Visa fees was approx £450 so that wasn't too bad.

She had to provide 12 months statements of accounts with the last 6 months of the 12 months showing a closing balance of a minimum of £40k.

The visa took almost 5 months to process and she had to defer her start date twice. They then requested an updated bank statement 2 days before they issued the visa.

The upside is that she can work full time all year round as a PhD student and the dept gave her 27 hours straight away. Masters and lower quals can only work 40 hours a fortnight in term time and full time over the breaks.

The salary threshold for work visas is around £34k ish and average salaries are around £47k so not too bad as a starting point for skilled migrants.

Australia houses their asylum seekers mostly offshore and have always done that;

Under the Migration Act 1958 (Cth) (the Migration Act), asylum seekers who arrive in Australia, whether on the mainland or an 'excised offshore place', without a valid visa must be held in immigration detention until they are granted a visa or removed from Australia.

Immigration detention in Australia is indefinite – there is no limit in law or policy to the length of time for which a person may be detained.

If you change your mind and don't want to seek asylum anymore, you basically have to wait your turn to be processed and because you're not on the mainland, you can't even get out of the place!

NZ is more humane but they take a very, very small number of asylum seekers and no one get liver to cross sea come here. It has some of the choppiest waters in the world. So all asylum seekers come by invitation and the numbers are tightly controlled.

Average salaries in NZ is about £30k and the minimum salary for a skilled migrant visa is £40k.

Both countries have age caps of 45 years max. Unless you're mega wealthy then it's 55 years for those visa categories.

NZ does also have parent visas so you can bring your parents after you gain residency but you must have a combined house hold income of £41k if bringing one parent or £61k if bringing both parents and they must pass a health and character check. Children are also dependants until 24 as long as they remain in education or training and do not have a child themselves,

What both Australia and NZ have going for them is the sheer amount of jobs with not enough skilled people to do it. Even our PM has at least 3 ministerial portfolios in addition to being the PM! Majority of immigrants leave once they gain either PR or citizenship so the vacancies are never really filled. Even Israel Adesanya has japa-ed to the US!

Both countries also are very selective and harsh when it comes to immigration. NZ is the size of the UK with only 5.5m people and their citizens shout about how the country is over run by immigrants - probably not surprising as majority of them were originally British (mainly Scottish and Irish) so they're expert whingers about every single thing! They as usual also play political football with immigration rules all the time.

Australia is about 32 times the size of the UK with 22m people and again they whinge about uncontrolled immigration. Just like the Kiwis, they're all also mostly originally British (convicts, general immigrants and explorers). Let us not even start on the racism in Australia and the way they treat the aborigines.

Anyhow - we must survive, we must emigrate and we must succeed and we will rule with them when the time comes whether they like it or not

i have a simple but tricky question for you though..

Are we even treated as a 1st class citizen in our own country, Nigeria?

Do you know what it means to be a 1st class citizen?

Anyways that's a discussion for another day..

lavida001:
In all of this all i have to say is as a black man you will always be a second class citizen in a white mans land. if you like get ILR

and thats just the fact

ReesheesuKnack:
And that’s the reason why you wished it was in Lagos, so that you would do him something untoward, because he was doing his job.


If you want to bring up stories that touch, to portray any race as good and another race as bad, better bring up justifiable stories.

Your aim of bringing this story is summarised in the last 2 sentences of your original post:
To imply that the black guy who is an immigrant (like you) shouldn’t apply the rules to a ‘fellow’ immigrant. Your story was meant to paint white as good and black (immigrant) as bad.
No sir. E No gel.

Now it is all jokes lol

Take your L brother... your perspective will make it either a Lesson or a Loss

ehizario2012:
You can make a novel out of this actually. I was only[b] kidding and it's obvious[/b]. I was only angry because it was clear he just wanted to "show himself"

If I met him on my very first train ride and he booked me, I would have just taken it on the chin and moved on. Welcome to UK things... But 2 whites, one man, one woman didn't make an issue out of it.

yet again.. i will reply you..

We all saw what he typed he would do if he was in Lagos.. meaning the working society here made him not to ..

But in a broken society like our home country, he would have done something.. he typed it all by himself...

The beautiful thing about everything is even in Lagos, he would have been arrested for touching a government official doing his job

Goke7:
did he assault the man? finish him then for just being human

1. Ignorance and laws don't go together unfortunately

2. You never corrected him for using the "migrant" tag for the man just doing his job

3. You said we shouldn't judge him but he quickly judged a man just doing his job and gave him a "migrant " tag

My bro... no be so

Goke7:
did he intentionally want to break the law? did he pay his fare or not on the previous occasions?

You should be replying him and telling him the truth.. instead of trying to get him to add Jara to the story

Goke7:
easy please, back home in Nigeria, we are not used to reading signs or directions at motor parks or whatever mode of land transportation, we just board and pay. I have seen lots of our folks make similar errors here and I have had to correct them too. That was why I was not too quick to reprimand him, He was still new and since on previous occasions he was allowed to go, he just assumed and never had the motive not to pay for his transportation ( we must all recognise that). He has even gone ahead to admit he did pay the fine. I think we are just too touchy on the race thing. Did he intentionally want to break the law? We are beginning to take things too seriously here and we all need to calm down haba

lol.. people have a problem with fulani herdsmen because they take lands that don't belong to them and also their cattle destroy crops that have been sown with sweat, blood and tears (people's livelihood)

So stop twisting facts.. it has nothing to do with Racism or tribalism

There are people abroad that happily give their lands to these same fulani to take care of the land until they finally have plans to build on it

Like i stated, look in the mirror.. you're the problem here..

Accept when you're wrong.. thats growth.. thats life

ehizario2012:
I laugh @ racism? What's racism? It's in all of us, that's why we were uncomfortable when Fulani herdsmen tried to take our lands through Ruga, that's why there was Ghana must go. Every man is racist by nature, take it or leave it so I'm not bothered by that.

I passed through two white people without stress, they must have seen something that made them let me pass, they didn't even tell me I should have bought a ticket before boarding! They just collected my £10 and gave change with a smile... I later read d rules and understood that tickets should be purchased before boarding etc... but I'm sure those whites would not have booked me for not buying tickets especially when they saw my family. But this privileged black guy wan oppress new immigrant. I laugh.

it is you with this mindset and mentality that should be feared

ehizario2012:
Of course, I never expected you guys to say I was right. It was an experience that opened a window into the mindset of the white owners of this land and the black immigrants who have been given the privilege of settled status via ILR. It's your black colleague in the office you should fear more, not the white.