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Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Ticha: 3:05pm On Mar 22 |
Teenuh: Once you get ILR, you will qualify for a Nursing apprenticeship if Nursing is calling out to you. That way you learn and earn. 7 Likes |
Travel / Re: Living In The UK: Property,Mortgage And Related by Ticha: 8:54am On Mar 11 |
BuildingProject: Best and cleanest thing is for your relation to gift you the deposit. It has to be a gift with no reservations and the solicitor can help you draw up the right wording etc. And yes, AML applies to him and the funds. They should be prepared to provide upto 12 months worth of bank statements showing the funds. 1 Like |
Travel / Re: Living In The UK: Property,Mortgage And Related by Ticha: 2:46pm On Feb 29 |
Pearlyfaze: Congratulations 🎊 👏 |
Travel / Re: Living In The UK: Property,Mortgage And Related by Ticha: 2:11am On Feb 24 |
Zahra29: Yes o. It's baffling to see a 4 bedroom home with 2 ensuites, a family bathroom and a cloak room. Who's cleaning all those bathrooms?! |
Travel / Re: Living In The UK: Property,Mortgage And Related by Ticha: 9:27am On Feb 22 |
Teenuh: As long as the house is not listed or there are no covenants restricting internal layout changes, yep you can. Be aware that there is a shortage of tradesmen and there are a lot of cowboy tradesmen out there! Take room sizes into consideration as well as reducing number of rooms etc when adding the additional bedroom as it may affect your resale. Usually though l, an extra bathroom does add more value than an extra bedroom. Check the current ceiling prices for your neighbourhood and aim to keep under that 1 Like |
Travel / Re: 8 Things You Need To Know About New Zealand by Ticha: 8:47am On Feb 10 |
Lanreallenjay: It can be naira equivalent. Remember the naira is fluctuating a lot. Ensure you have enough that when checked, it equals $1k NZD on the day |
Travel / Re: Living In The UK: Property,Mortgage And Related by Ticha: 8:13pm On Feb 03 |
twizzie: Ah no you don't |
Travel / Re: Living In The UK: Property,Mortgage And Related by Ticha: 1:49pm On Feb 02 |
twizzie: Been away for awhile. All the important costs are there apart from a survey. That varies - banks will sometimes pay for a basic one. If you want a detailed one then budget £500-£700 1 Like |
Travel / Re: General New Zealand Student Enquires by Ticha: 8:28pm On Jan 23 |
kanjiBo: IELTS is university and college dependent. You'll need to find out the entry requirements. Most do require it though. Everything you need to know about student visas here - https://www.immigration.govt.nz/new-zealand-visas/visas/visa/full-fee-paying-student-visa |
Travel / Re: Living In The UK: Property,Mortgage And Related by Ticha: 6:57am On Jan 15 |
profemebee: There will be flood map of areas near bodies of water so you can check to see what the flooding probabilities are, ask if there's been flooding in the last 25 years and the solicitor should do the same as well as point out flooding risks if there are any. Plus that's what we have house insurance for - to cover all those things that we cannot always fully account for. You don't need a car in St Neots. Everywhere is walkable and there are regular buses to Cambridge, Bedford, MK and Oxford - the Oxford bus dey take forever sha. 2 Likes |
Travel / Re: Living In The UK: Property,Mortgage And Related by Ticha: 10:05pm On Jan 13 |
profemebee: Email me and I'll send you my London spreadsheet. It details all the towns and cities within a 90 minute commute into the London mainline stations. We ended up living in St Neots. You will have to increase your transport cost but that can be offset with the house buying costs. 1 Like 1 Share |
Travel / Re: Living In The UK: Property,Mortgage And Related by Ticha: 11:11pm On Jan 09 |
AlakeOfEngland: Not declaring them is mortgage fraud. It is easier to show how you mitigate the expenses of dependants than not declare them at all. For example - show that you don't need childcare (an automatic expense) by ensuring there are no child care costs in your bank statements - you work opposite shifts or a family member does the childcare for free etc 4 Likes 1 Share |
Travel / Re: 8 Things You Need To Know About New Zealand by Ticha: 11:07pm On Jan 09 |
kintus: This is a full on scam so please keep and save your money for yourself. Apply for the visitor visa yourself if you want to. Ensure you meet all the requirements. You do not need an agent to do anything for you. Both NZ and Australia specifically licences their immigration agents so any agent that does not have a registration in either country is breaking the law. The NZ immigration website contains every single piece of information you need. It is straight forward, very detailed and easy to navigate |
Travel / Re: 8 Things You Need To Know About New Zealand by Ticha: 2:07am On Jan 04 |
fk002: |
Travel / Re: Living In The UK: Property,Mortgage And Related by Ticha: 9:27am On Jan 02 |
mex551: My suggestion would be to speak to a broker, preferably a whole of market one that is also used to dealing with our people (Indians, Africans etc) and also speak to your own bank - they will have a mortgage adviser you can easily speak to 1 Like |
Travel / Re: Living In The UK: Property,Mortgage And Related by Ticha: 10:41pm On Jan 01 |
Newbie123: I can't tell you if it's profitable for you or not. Risk appetite and market conditions differs as well as base income level etc however the same principles apply everywhere - you will need to research the specific areas you're interested in. Scotland is a huge place and has specific policies for landlords so make sure you know all those - https://www.onlinemortgageadvisor.co.uk/buy-to-let-mortgages/buy-to-let-scotland/ Research purchase prices and costs (deposit, stamp duty, survey, legal fees etc), rental costs, (maintenance costs, the potential taxes, licensing fees, management fees etc) you'll pay. A btl calculator will give you an indication of what you can afford to buy - the rent you will need to achieve to get a btl and stamp duty costs. Then decide if it's worth investing into. 4 Likes 1 Share |
Travel / Re: 8 Things You Need To Know About New Zealand by Ticha: 11:55pm On Dec 31, 2023 |
fk002: Yep feel free |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Ticha: 11:04pm On Dec 26, 2023 |
Kingkom: You need a money transfer card. You also need an excellent credit history/rating to get one of such cards. Remember every credit application you make leaves a footprint and any full credit application will remain on your credit profile for sometime. More information on money transfer credit cards here - https://www.moneysavingexpert.com/credit-cards/money-transfers/ and here - https://www.comparethemarket.com/credit-cards/money-transfer/ 1 Like 1 Share |
Travel / Re: Living In The UK: Property,Mortgage And Related by Ticha: 9:14pm On Dec 24, 2023 |
Stevepop: Congratulations! Well done and a good way to start the holidays! 2 Likes |
Travel / Re: Living In The UK: Property,Mortgage And Related by Ticha: 8:52pm On Dec 15, 2023 |
Solumtoya: Congratulations 🎊 👏 💐 This is awesome news. Well done and enjoy your new home! 2 Likes |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Ticha: 8:14am On Dec 15, 2023 |
Zahra29: 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? 4 Likes |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Ticha: 3:06am On Dec 15, 2023 |
We discussed PSW visa in Australia and how generous it was sometime this week. Bombshell by the Home Affairs minister today - they're looking to cap the age of PSW applicants to 35 years and reducing all PSW to max 3 years ! They only changed it to max 6 years in July this year so they're making a u turn less than 6 months later and when people would have applied based on the July announcements. It's shocking considering that the PR and work visa pathways for offshore and onshore applicants have an age cap of 45 years and . https://www.abc.net.au/news/2023-12-15/graduate-work-visa-age-limit-change/103224544 They want to implement the change from early 2024 and announced it today so very little notice has been given plus the next academic year starts in late January! 5 Likes |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Ticha: 9:45pm On Dec 12, 2023 |
ReesheesuKnack: Money on paper especially the over all salary and the fact that all expenses are usually paid and that's how we came here too. Our combined income when we first arrived, doubled our UK combined income. And honestly, the average Brit thinks that the UK is a third world country and that every other developed country is better. People who are recruited from the health care sector are recruited to the regional areas and it's mainly Australia that pays very well. Very few come to NZ as salaries are a bit lower here. Very few can also buy holiday homes in either Aus or NZ as the cost of living is pretty high. The average junior dr salary is around $80k for both countries but a lower population and living in less populated areas means less work over all and more time to shalaye as needed. Plus the lifestyle is totally different so for a newbie there's lot to enjoy initially. For example, it's warm all year round and we always have a hot Christmas, majority live close to the sea. NZ in particular is a very relaxed typically Pacific country. No school uniforms, no home work at primary school, people wear T shirts and shorts to work - that's a business attire haha, people walk bare feet in summer, my children hardly wear shoes to school cos they have a shoe free classroom and their classmates don't bother - they just put the shoes in the bags! Houses are larger, way way larger than the UK. Our bedrooms in my house are bigger than the lounge in our UK family home! People are friendlier - so much so that you will walk away thinking you've made a new best friend. One day when I have time, I'll do a break down of our monthly costs that we still have in the UK and also have here. We spend a lot lot more here on those costs. 23 Likes 3 Shares |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Ticha: 9:34am On Dec 12, 2023 |
Hkana: None. You're taxed from your very first dollar earned! Lowest tax band is also 33% (10% for under18s). All savings and investments are also taxed so nothing like ISAs or LISAs. 4 Likes 1 Share |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Ticha: 2:45am On Dec 12, 2023 |
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 41 Likes 1 Share |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Ticha: 9:14am On Dec 10, 2023 |
oluwaleokey: The landlord is responsible for fixing it |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Ticha: 9:05am On Dec 10, 2023 |
hustla: PSW in Australia is between 2 to 6 years depending on course and location of study. Majority is 2 - 3 years (degree and masters students). It is not a blanket 6 years yet. https://immi.homeaffairs.gov.au/visas/getting-a-visa/visa-listing/temporary-graduate-485/post-study-work#About Their visa fees are definitely cheaper although health insurance costs are astronomical. Students are now back to working a max of 40 hours a fortnight which averages 20 hours a week unless they work in certain regional health care sectors. The full time work for students was to fill worker shortages when the borders were shut for 2+ years. 4 Likes |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Ticha: 5:52pm On Dec 08, 2023 |
sconp: Nope. Hasn't finished paying. At this rate, it'll take about 8 years plus to get all his arrears back! Banks don't care if tenants pay or not. Their contract is with you the home owner, you default, you lose the house and get a credit black mark as well. 1 Like |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Ticha: 5:39pm On Dec 08, 2023 |
Viruses: Yes and yes. With the guy his door was removed, it's a shame he can't afford to follow it up. As long as he has evidence etc, he can still pursue her for costs and breaches even he's left the house. In fact, you can pursue deposit breaches up to 6 years after the breach. |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Ticha: 2:43am On Dec 08, 2023 |
Viruses: It is incredibly hard to remove a tenant who knows the process and tenants do have more rights than landlords and rightly so. It is the tenants home and the right to have a suitable roof over a human's head trumps another human's want to make money for services rendered. After all, they're the perceived underdogs in that relationship. It's only the tenant or a court that can end the tenancy. When the landlord says I want my house back, tenant has to say yes, otherwise Oga landlord has to wait. It currently takes about 12 - 14 months to go through the whole court process of removing a tenant. A S21 is a catch all eviction notice. Most landlords will use it so the tenant has a lower chance of challenging it as they they just want their house back rather than explicitly stating what the issue is and then it being drawn out further. A section 8 is easier to take through court as the landlord/ agent so when an agent does use it, you know they're serious about getting you out. Although, all eviction notices are 2 months, the tenants can choose not to leave, can choose to stop paying rent and can choose to frustrate the landlord every step of the way through the court system and there is absolutely nothing the landlord can do other than wait out the process and apply for a CCJ against the tenant at the end. The notices also expire and all need certain conditions to be met which is where it catches out DIY landlords. If those conditions are not met when it gets to court - however long it takes - it'll be thrown out and the landlord needs to issue the notice again and wait 2 month before starting the court process. If you win the case, then you need to instruct and pay bailiffs and hope that they are available soon as waiting times for bailiffs is now also between 2 to 6 months across the country. Going to court also costs money - of course costs can be charged back to either the landlord or tenant but the willingness to pay nko? One of our tenants paid back £3800 at £5 a week. Of course we could have done a financial disclosure but again, it means going back to court, then paying to have their payslips and bank statements collected so the financial disclosure can be done. In the meantime, they can resign, move away, change names, go self employed, declare a reduction in earnings and frustrate that process. A landlord can be banned from landlording, they can be forced to sell properties to meet requirements and regulations and sometimes spurious ones too. If you own a HMO, then your name and address is on a public register that all and sundry can access. In Scotland and Wales, rents are capped, and every landlord is on a register. Rent increases can be challenged and often won when done according to stats. Direct payments can be stopped and other than these notices which totally relies on the goodwill on the tenant, court is likely the only option to get your property back if that goodwill is not there. 14 Likes |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Ticha: 6:19am On Dec 07, 2023 |
Strata1716: A section 8 is an at fault eviction so you are deemed to have broken a, some or all the terms and conditions of your rental agreement. Did they state which ones? If yes, then it is a valid notice. You are not being discriminated against. It is one of the proper ways of evicting a tenant. Your main issues were 1. Not contacting the agents immediately issues started arising and 2. Not documenting anything at all. Certainly the 2 visits to the agents office should have been preceded by an email detailing the circumstances in the house. It is now a he said/ she said and the agents/ landlords likely don't want to deal with that which is fair. Be that as it may, it is in your best interests to find somewhere else and leave unless you want them to go through the full eviction process ie court and I bet they will have their costs charged back to you. You can seek legal advice but be prepared to spend money. Do you want to go through that hassle? You'll need to prove that the notice was wrongly issued and even if you win, they'll probably hit you with a S21 which is a no fault notice ie they don't need to give you any reason at all apart from I want my house/ room back and that is also 2 months notice If I were you, I would negotiate for a longer notice period and get them to agree that they give you a good reference so you can find somewhere else. In fact, get them to pre-write, sign and give you the reference so they don't back track later. Obviously if you don't need a reference then that's a moot point. 15 Likes |
Travel / Re: Living In The UK: Property,Mortgage And Related by Ticha: 12:16am On Dec 02, 2023 |
Pearlyfaze: It depends. I've never paid a solicitor upfront however our solicitor was recommended by family and everyone in our family has always used them so there's an established relationship. I know quite a few in the investor groups will charge in full upfront especially the online conveyancers. Some will charge AML and search costs first, then invoice as they go with the final monies paid on completion day. Do they have reviews? Were you referred to them? Where are you based? |
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