This is very common abroad where you put down a deposit and complete the rest of your purchase using a mortgage across several years. It's the most affordable way of owning a property.

I'm curious to know what interest rate AG Mortgage Bank Plc is charging on the capital and what kind of properties do they give a mortgage on?

Overall, it's a good way of owning a property, as long as one is able to pay the bill every month for the duration of the mortgage.

I need Naira for £. If there's anyone looking to exchange, please give me a shout. Can't be arsed with dragging people up and down with this new dollar regime.

Yes, it is possible to sort it out before arrival but both landlords and agencies ask for deposit so you won't be able to avoid paying it.

If you are looking to sort it out while in Nigeria, it's better to go through a reputable agency just to be on the safe side.

On the other hand, maybe you should consider, Airbnb or B&B for a few days post arrival then go look at the properties before making payment. You can book viewings and all that the week/few days before arrival.

mumsjoy:
Hi FAM, please i need your input. I Plan on moving to bournemouth in December,

Is it possible to rent a flat while still in Nigeria?

Can i get a landlord private property instead of an agent, the deposit is killing?

Your response will be highly appreciated

I'm tempted to say it's impossible to get sponsorship as a Business Analyst but then again I used to work with a QA that was sponsored straight from India so you don't want to underestimate the power of luck.

Generally, sponsorship is geared towards experienced developers/engineers that knows their stuff.

Kingp91:
Does this apply to business analyst in the I.t sector? Or just developers

The problem with Tier 1 visa is it takes a long time to find an employer brave enough to go through the hassle. Tech Nation is serious hassle with a very low level of guaranteed success and finally T1 direct visa salary is also guaranteed to be about 20% less than market rate. To be fair that helps cover the legal cost of sorting out the visa for the company.

Haven't said that, if he can get T1 directly, then he should definitely consider it.

Teemez:
Thanks so much, he will research on the T1 Visa type and revert

Software dev industry is employee driven, hence it's very common to have multiple job offers on the table at the same time. You

Teemez:
Thanks so much bro, can you please emphasis on the last paragraph. What do you mean by getting a better offer else where? If you dont mind please can he connect with you via telegram, WhatsApp e.t.c as a mentor in his field

There are two main universities in Oxfordshire, if he's going to the ivy league one, he's will be in a position to choose any jobs he basically wants to do.

Depending on the dev language he's proficient in, he would probably make the same money he already makes in Nigeria here working part time during study and he's almost guaranteed to get a job post study that would probably lead to sponsorship.

I work in the industry and know how easy it is to extend an offer and hope the person starts before getting a better offer elsewhere.

Teemez:
Good morning, kudos to everyone contributing on this thread. Asking the question on behalf of a brother:

Question:
Please a quick response is needed as he is about to make a decision by paying School deposit tomorrow location is Oxfordshine.

Depending on the package but I reckon Chertsey will be a better option than Ryhl in terms of location and a host of other factors like good education for the kids(if there's any in the picture), job opportunities for the other half (if there's one) and also proximity to a familiar community. In terms of cost of living I'm pretty sure Ryhl will be most affordable. I will suggest you look up cost of renting close to your place of work in Chertsey and see if the numbers would work for your finances.

You can use https://www.rightmove.co.uk/property-to-rent.html to search for accommodation
and https://www.thesalarycalculator.co.uk/salary.php to calculate your take home after tax

Accommodation is usually the biggest expense in the early years so once this is under control, you can pretty much wing everything else.

Ceesnation:

Please I still need your response plssss... CC fatima04, mamatuwas, justwise, omopapa and all.

claremont:


I have the Amazon FireTV box and 2 firesticks, been using them for years to stream UK and international channels including DSTV full package etc. What you need to do is go on Aliexpress and search for IPTV, ask for a trial until you get the one with the channels you need.

Buddy, which IPTV provider do you use and based on your experience, is it reliable? I use TrojanTV but that's focused more on the UK and does the job. Too many options out there to filter down.

marylandcakes:


If you’re unlucky and your name comes up on the HMRC random audit list then you will have to explain every income that passes through your account. Paying taxes on the income should be the least of your worries, it could also be categorised under money laundering depending on the magnitude.
The bottom line is that if you receive regular income from abroad you will need to declare it to save yourself from bother in the future. A lot of people get away with it but you might not be so lucky.

Paying income tax on money earned in a different country can be annoying though. I'd suggest using transferwise and spend directly from the debit card. Also I think there's a threshold somewhere depending on the source of income that's tax free.

uzyfine:
Good day everyone, please I just visited Uk to write an exam, currently observing my 14 days self isolation, does anyone know the sim card network I can use with my iPhone to have access to mobile data when am not in the house. Like using google map to navigate around,

Depending on your budget. This (£20 option) might be another good option as it gives you sufficient data and minutes to also call home
https://www.o2.co.uk/shop/sim-cards/pay-as-you-go#simtype=phone+international-bundles

You can take it out from any o2 store or order it online.

Just really sad. Sometimes I wonder what's going on in people's head.

Rubyventures:

https://www.youtube.com/watch?v=4sdV7xfzyq8


Another case of a Nigerian man who killed his wife a nurse and they left behind 4 kids aged 10-4. So sad

mimilyrics:
That was a note of caution; notice that I said I wouldn't advise it for now (my opinion, not a must-do), not that it wasn't okay to bank with them. I know it's got a banking licence. It's the same model with UAccount; funds are also protected but there are certain loopholes that FCA is trying to firm up to avoid stories that touch to prevent a case where their partners put customers' monies at risk. While lots of current UCard holders haven't lost their monies, they can't access them because of the measures that the FCA wants to put in place.

Ok, I get your point, also note Uaccount is not a bank, but categorised as e-money institution while Monzo is a bank. What happened at Uaccount will never happen at or to Monzo.

To the OP, you can open Monzo or Starling, if you are worried about safety, have less than £85k in it and you would be fine.
Also the digital banks apps and tech stack are miles ahead all the other traditional banks bar Barclays to some extent.

mimilyrics:
I wouldn't advise that for now because of issues that may arise. UCard which is like Monzo currently has an ish with one of its partners which has temporarily trapped the funds of so many people. The financial regulations that apply to brick and mortar banks don't fully apply to online banks. FCA is trying to fix the situation and existing loopholes so that people don't lose their money.

This is not correct. Monzo is a bank with a full banking license. Their business model is different as they are digital-only but that doesn't make them any less capable of handling your deposit. The money you put in your Monzo account is protected up to £85,000 by the Financial Services Compensation Scheme (FSCS)

RalphJean:


Let’s meet in the DM

I'll probably need the reverse in a few weeks, pulling funds out but right now, I want to send some down. Do you still have some spare left? Looking to complete today though.

excelsiorfarm:
think of 400 naira per fish. Could be less. Juveniles should not be up to 6 months if 1kg table size. For-profit? Depends on management and don't expect money doubling result

If this number is accurate, then you are in for a jolly 6-months ride. Rough calculation shows 400*6000 = 2,400,000. How much is 1 kg of catfish? By the time you add other costs of running the pond, you'll barely make money.

What's the monthly or yearly service charge?
Who provides the mortgage/loan for the years?

Dude, are you still selling the same car since 2018?

DaveChapelle:
Do they sell Nigeria style shawarma here in uk...Tried this silly wraps once in Reading, thought it was like shawarma, they use lamb for the meat and served it in a flat wrap of bread....Tasted awful....think it was a Paki shop, how do i get that 9ja style shawarma ?

Funny enough, I had a friend visit from Lagos, he tried Sam's wrap in Reading and swore it was the best shawarma he's ever had. I guess people define shawarma in different ways.

Guwon:
Thank you all for the interest shown 10% more to go keep the messages and callz coming

I'm interested. 08034015803

Moneyfem:
Someone should please, educate us how whatsapp makes money because there are no adverts placed on the app unlike facebook, google, YouTube, etc.

They don't make money on the consumer product. They have a new product called Whatsapp for Business and they make money on that. Whatsapp is owned by Facebook and their profit comes from Facebook.

Hey buddy,

Good timing. I'm looking for someone to add some more content to the blog section of my new website. Send me some samples of your work to tennyalad /at/ yahoo.com

I will provide the title and would like a unique article to be provided for the title.

Thanks,

Inkredible:
Hi everyone,

How do you guys call home? What's the cheapest means asides Whatsapp or Skype or Facebook calls?

I'm seriously looking for options.

I have a Vodafone contract with a £10 add-on that gives me 500mins/month to quite a few countries including Nigeria. I've had it for almost a year now and it's pretty good. You don't have to faff around with an additional line or extra app, you make the calls same as you make local calls.

Shehudream:
okay great, I'll equally want to know the visa procedure the documents you used and their success rate. which of the Facebook are you talking about? you mean Nigerian embassy in Hungary or Hungarian embassy in Nigeria. I have contacted the embassy yesterday regarding to legislation, but their response gone this way...
Dear Customer,

 thank you for your mail. The Embassy of Hungary in Abuja is representing Slovenia in short term visa cases only. All long term visa applications and authorization requests are to be addressed to the nearest mission of Slovenia.

 

Kind regards,

 

Consular Section

Embassy of Hungary, Abuja

the response is difference from what I have enquired

i went through their website i learned that they normally do legalization but I have to go there in person to clarify everything since I'm living in Abuja.

I have already been in contact with about 3 private universities and their tuition is quite affordable. thank you, your contribution is highly appreciated

The visa is like any other visa. You give it a go and hope for the best. As long as you have sufficient funds to prove you can afford the study and health insurance, you should be good to go.

You should check out this page: https://www.facebook.com/associationofnigeriansinslovenia/ you can reach out to the group if you need any help regarding paper work in Slovenia.

Shehudream:
Thank you for coming to my aide, I've already done the foreign affairs and ministry of education. I'm going to contact the Hungarian embassy to know how the procedure is. Are you currently in Ljubljana?

I left a few years back after my studies. Reach out on this facebook page to see if anyone there can help you with the process. One other way of doing it is by sending the documents to Nigeria Embassy in Hungary for authentication but you will still need someone in Slovenia to help you submit it to internal affairs for verification.

Have you tried any of the private universities there? The process might be slightly easier.

beyondbasicsng:
Haha many thanks @lexusgs430
It's for a friend who is moving next month with her family who was hoping to get a job. Although she's just about 4 months gone and most likely not won't show until a few weeks after they arrive. Still not advisable to look for work?

Generally, you have to be in employment for at least six months before giving birth. Anything less than that means you won't be entitled to any maternity leave benefit.

In regards to looking for a job it depends on the kind of job, for most roles, hiring someone that would leave in 3 months time, won't be worth the hassle but as Lexusgs430 said she can get a zero hour contract job if they really need the extra income, but jobs like that are not usually pregnancy friendly.

Best bet is to consider it early maternity leave and enjoy her time off.

Shehudream:
@tennyalad, it seems you are familiar with the stuff regarding to study in Slovenia. I don't know if you can be of help to me to enable me move on with my application, I was about to lunch my application but I've stuck on the process to legalize my certificate in one of their embassy representatives here in Abuja. If you came across this post kindly help me out with vital info. Thanks�

You would have to authenticate it at the foreign affairs and ministry of education in Abuja first, then go to Nigeria Embassy in Egypt to confirm the authentication is valid after that, you then need to take it to Slovenia consular in Cairo to authenticate confirm the stamp is original.

It's a long winded process. Alternatively, you can authenticate it at Nigeria Embassy in Hungary, then send it to Ministry of Internal Affairs in Ljubljana to authenticate it again.

Honestly, the whole process is long winded.

Mamatukwas:


Lol. I agree you should pay if you use it. I just feel most people rush to pay coz of fear not use. I want to be sure I’m paying for services consumed, which is why I’m interested in people that have actually dealt with them. On the phone or in person.

Updated: I called them and discussed the things we honestly watch and the adviser said we do not need to pay so our records have new updated. If things change il let them know. I have plenty other uses for £150 please if you are watching live tv or on demand shows pay oh.

They will definitely come and inspect your property. Before they knock on your door they will park as close as possible to the address, seat in the car and just 'observe'. After a few days they will knock on the door and that is likely to be in the evening or when it's obvious the TV is on.

The first thing they will check is if you have any TV box around the TV, then check if there is an aerial cable around your TV. If any of these two items are present, you will be fined 100% and would have to prove to the court that you are not using them.

If you have any of these items, get rid of the cable and remove the TV box. The best thing to do is NOT let them into your property under any circumstances.

If you do let them in, don't give them any information as they will probably just use that information to summon you to court anyway, those guys work for Capita and they are on target that comes with commission.

If you have Iplayer on ipad, you will likely get away with it until they tighten things up but be a good citizen and contribute to their coffers

Koph:
I have always been following this thread and continually find myself always coming back for updates cos Iam still hoping to join you guys if God allows:
My questions are these:
1. is there any any prospect for a relaxed tier 2 system (for engineers, technical and trades people) following the exclusion of NHS peeps from the monthly caps on tier 2 visas.
2.How effective are recruitment agencies in the recruitment of Engineering personnel from outside the UK.
3. Will Brexit favour non EEA recruitment and settlement in the UK.

It is very unlikely that they will relax tier 2 system for non medical roles. Supply outside of the the NHS is plentiful and relaxing it will definitely distort the job market.
The two Scala Devs in my office came through Oxford Knight but they were already working in Germany, the QA lady came directly from India but can't remember which recruiter she used either third republic or hays specialist. You can check them out.
If they shut the door, then non EEA will have a better chance but that is unlikely at the moment.

Try any of the banks that gives you something for banking with them. I can refer you to Nationwide where we both get £100 for opening an account with them
Here is a good link with info
https://www.moneysavingexpert.com/banking/compare-best-bank-accounts/

sutelk:
Hello guys. Please I want to open a second bank account. I already have one with Barclay's. Would appreciate some tips on where to go and where not to and the reasons.
Thanks.

May or may not be your cup of tea but if you are familiar with cars and know a good mechanic you can try https://www.copart.co.uk/

If you are going for that option, set the bar for Cat S or N (Formerly Cat C or D)

deewealth:
Good evening everyone

Abeg, need an advice for those who have thread the path of buying a car here
With a budget of £5k (with possibly another £3k that can b spread over months), what kinda decent car can an omoluwabi buy....?
Automatic...can be used (mileage <50k) , any product, .,
I know of autotrader, but any other options to buying?

Am asking for someone.

Best bet is to find something small (a studio or bed flat) within reasonable distance to your place of work for the first 6 months / 1 year and use that time period to familiarise yourself with the area. Once you know the area and things to look out for, you can then proceed to look for something that is a bit more long term and by then your hubby would have started working as well.

Don't discount Gumtree, there are good deals on there, be cautious about it and when it's too good to be true, then it certainly is.

beyondbasicsng:
Good evening,
I'm new here and unsure where to ask but noticed you answer people a lot n have been helpful so I thought to ask here.

I am relocating soon with my family and I need advise as I've recently been offered a position in London. This is NOT our 1st choice, however, I would b glad to know whether there are reasonably priced locations to settle in or around middlesex and especially an easy commute with opportunities for my husband to work as well.