₦airaland Forum

Hkana:
And on top of this, is it true there are no tax free thresholds for foreigners? The way UK leaves 12570 before they start the 19/20% tax?

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.

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

oluwaleokey:
My country people, I greet everyone
Please with all these landlord gbas gbos....
Who will be responsible to fix a slacking door with a the door handle that got spoilt? Also I broke one side of the electric burner glass in the kitchen.

This month completed it 1 year of my 14 month term contract with the landlord infact he just asked if I still wish to continue living in the apartment with a £50 increase in rent.

Tor! I gladly accepted, where I wan start to dey look for house and pass through that kind stress again.

Please should I talk to him about the aforementioned repairs or go ahead fix it myself?

The landlord is responsible for fixing it

hustla:
Abi, let us see the true story

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.

sconp:
Has he finished paying?

What if this was a house on mortgage with a tenant as this? Would the banks care for all that delay?

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.

Viruses:
With all that you have said, does it mean the lady that brought up the issue originally can choose not to leave the house until about a year when the landlord would have been through with the court process, however the landlord can charge back everything to her yeah?

And in situations where the landlord does not follow court process, it is the tenant that should go to court just like the guy that the landlady removed his door?

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.

Viruses:
So a landlord can evict a tenant in this country for no reason. While I sympathise with those facing landlord/tenant issues, it's good that things are unfolding because the impression that have been created on this thread was that tenants have more rights than landlords in this country.

Some even said a landlord cannot evict tenant except he wants to sell the house and I was wondering, my own house.

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.

Strata1716:
Good evening everyone


I am very confused and I believe I am being discriminated against.

Yesterday I got an email which I attach, I responded saying I have no plans to leave my apartment and this hasn’t been discussed with me. Today I got another email saying I have to leave on the 30.02.24 and I am confused because this is not a valid reason to terminate my tenancy. I have also not breached any grounds under section 8. These people have been very dismissive and have not reached out to speak to me.

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.

Pearlyfaze:
Make una nor vex biko say I dey ask a plenty question.

The solicitor say make I drop about 600 as a commitment fee, Is this how it's done bikonu, ejoor, mabinu.
Make person nor use me do Christmas.

I was thinking payment is made at the end of everything.

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?

Viruses:
Legally on residential mortgage.

Is it not allowed to rent out some rooms?

You are allowed to take a lodger and you don't need permission from the lender for one lodger. However, taking lodgers must not constitute converting your home into a HMO (3 or more unrelated persons) or a short term let although some lenders like Halifax and Nationwide will automatically allow a maximum short term let of not more than 12 weeks in any given year (there's a particular clause). Where these maybe breached, then you need permission which frankly is unlikely to be granted. The rent a room scheme is designed for home owners to take in 1 lodger rather than multiple ones.

It is important to ensure that taking a lodger does not earn you more than £7,500 annually. Any amount over £7,500 will incur tax and the lender is likely to see it as a wuru wuru HMO. See the rent a room scheme here - https://www.gov.uk/rent-room-in-your-home/the-rent-a-room-scheme

Another side way of getting your property rented out is to buy a residential home, live in it for 6 months or more then apply for a consent to let. This works better if you have a 5 year fixed rate. The CTL is a straight forward application, usually you pay a fee (Natwest is £150 flat rate) and it gets approved for as long as your fixed rate lasts. Some lenders will insist you change to a BTL once that fixed rate is over, others like Natwest will roll it over until you say stop!

A CTL gives you permission to rent out the house in full whilst still on a residential mortgage. Of course, it'll have to remain a repayment mortgage throughout. Our main UK family home has been on a CTL since 2017 and we have remortgaged twice since then. It's why the rate on that particular house is 1.1%!

chimexview:
My credit score from my Lloyds bank is about 544, I’m single and interested in getting a BTL house.
I intend to liquidate an asset back home in order to raise about 20k pounds to 25k pounds for down payment.

You are better off buying your own home first before buying a BTL.

For a BTL, you need a 25% deposit, rent is stress tested at 125% of the monthly mortgage payment
Mortgage fees are around £1500 to £3000.
Survey fees £800 ish
Solicitor fees £1500

So your £25k is already down to £20k before you even take up a mortgage.

A £20k deposit means you're looking at properties around the £80k mark. Even in very derived areas of the North and Scotland, I doubt that are many properties floating around at £80k which needs zero work and you can get awesome tenants for.

After getting the mortgage and before having tenants, you will need to have an EICR completed, a legionnaires test and a gas safety check if the property has a gas supply. That's easily another £1k if there are no issues at all which is highly unlikely at that price point.

Then you need to set aside Oga Charlie's cut from the rental income. As you're already working, your tax free allowance is gone. So you'll be taxed at your standard tax rate on every penny that comes in as rent minus expenses.

Then you need to set aside monies for any repairs that tenants will throw at you.

You will also lose your first home buyer status which means when you come to buy your own home, you will be paying a hefty stamp duty tax as well.

UniqueDext:
That was the website i used to make the reporting.

Am not able to check the HMO license as i dont know how to check that, i have tried through the council website but it's asking for details of the license which i dont have.

What borough are you in? For example, you can find all licenced HMOs in Hounslow here - https://data.hounslow.gov.uk/dataset/register-of-licensed-hmos

All councils have to publish the data - it maybe some months out of date but you've been there a year, so she should be listed on her borough's register.

Also by removing your door, she's breached fire regulations and also made your room inhabitable - so take pictures, find the environmental health officer or pages for your borough and put in a report. She will most likely be given 48 hours to remedy it or enforcement action will be taken. It will also firmly put her on their radar for a couple of years. Again this information will be on your borough website - see Hounslow one - https://www.hounslow.gov.uk/report

If you have time, go to your council offices and speak to someone in person. Make sure to talk about feeling unsafe. What if a fire breaks out? - it is winter as well so there are health implications for not being able to keep warm.

Tenants have a lot of rights which are enforced but breaches have to be reported otherwise enforcement cannot happen! Do not be afraid and do not let her get away with it.

UniqueDext:
No, she does not live in the house

Already called police , they referred me to citizens advice.
Unfortunately CA doesn't work on weekends

Okay few things here -
1. Contact Shelter - they're a better bet than CAB who most likely will refer you to Shelter. Shelter also has a very huge hard on for Landlords especially rogue ones
2. Do some background work yourself. Is the house a HMO? If 3 or more separate persons so you, your friend and one other person not directly related live in the house, it automatically makes it a HMO. Is that the case?
3. Is it a selective licensing area? You can easily find this from your council's website. If yes, your landlady needs to have a licence and have it displayed in the house, the house will need fire doors and a host of other things. If she doesn't have this, then she's in deep dodo. Each council also publishes a list of all HMO landlords in the area, you can search for it this way as well.
4. If it's not a selective licensing area, she still needs to meet the regulations for a HMO so again Shelter and the council.

By her behaviour, I am sure she's skirting the edges of the law in many ways. Keep every communication you have had with her via text, email, WhatsApp etc. Gather evidence to show she does not live there as she may claim you are lodgers and she lives there as well.

Unless your contract explicitly states that you are not allowed to have guests (that cannot be upheld anyway), you can totally have a guest which is what your friend was till money started changing hands for his stay. Once extra rent has been asked for, then your friend also has a tenancy there.

So you have a 2 pronged approach - use Shelter to your advantage and report to the council's housing department.

Lexusgs430:
It matters alot (infact, it's the spine of this matter).......

Without a legal contract, you cannot be deemed a tenant......

LL could claim she simply housed an unruly family member......

Without a contract, if the LL is wise..... She would get away with murder.......

That's not quite right. As long as there is a documented trail of rent payment, even if not consistent, any indication of a rental agreement i.e. a text or email requesting rent or referencing the rental, it's a rental contract verbal or written. There are several case laws for this.

It is easy to prove they're not related.

Besty2023:
Good day all especially Ticha. Please kindly tell me if it is mandatory to pay the full year tuition or a semester for a master's degree I got admission to. It's a two years program but I saw where I'm to enroll in 60 units and pay the estimated value(which is a semester) and another to pay full tuition as on the offer letter I got, which is full year.

It is usually one semester worth of fees. However, as there's a discrepancy, reach out to the admissions office to find out which one is correct. INZ will go with what is on your offer letter so get the institution to correct it.

triplo3:
100% agree.

Is that why oyibos do “partners” instead? Does it offer them any protection different from married folk? In terms of house and pensions etc.

Yes and No. Once children become involved, whether you're married or not makes absolutely no difference as the needs of the child will always come first.

Secondly, there's something called common law marriage (it's just a social term/slang) but it's when people live together and are not married. If I recall correctly, living together for 2 years or more, gives certain rights akin to being married. The longer you live together, the more those rights become entrenched.

If you live together as partners and intermingle your lives, i.e. get a joint mortgage, joint accounts, have kids etc then for all intents and purposes, you'll be treated as a married unit from a financial perspective. To avoid all of these blurred lines, you must have a contracting out agreement from the start so something similar to pre-nup or you keep your funds and your lives separate. It's why single mothers will claim living alone for benefit reasons as once a partner moves in, his income is taken as family income even when the children are not his!

The longer the relationship lasts as a joint couple aka partners living together, the more rights you have. My friends have just separated after being together for 23 years (unmarried with an older teen son). Splitting the assets still started at 50/50. Son opted to stay with the dad as the mum is moving back home so the assets have been split 60/40 in favour of dad. They've sold the family home and had to negotiate to keep their pensions.

So not getting married is not the get out of jail card people think it is. For a lot of my white friends and this spans all countries I've lived in - they just don't see marriage as proof of commitment anymore and don't see the need for it. Especially where there are kids and a mortgage. You can walk away from a marriage, you can't walk away from child support or mortgage payments or joint debts. So I agree with them - any of those 3 things are a greater proof of commitment than marriage vows.

The biggest advantage to not being married is that if you die, partner has to take your estate to court to get something out of it if you have not co-mingled your lives and finances. It does also means you can't make decisions on behalf of the other person without a prior PoA so if for any reason you need urgent hospital care and can't consent, they can't consent for you as a married partner will be able to do.

Plus at the end of the day, the lawyers will always walk away with more than you ever think you can hold or protect. So either shine ya eyes and jump in with both feet, or close your eyes and dip one toe in and stay on the side-lines. The law is blind and an ass. It starts from a position of fairness to everyone.

GraduatesGrant:
VISA APPROVED
.

Awesome! Congratulations! Wishing a you all a safe trip and smooth transition to NZ!

babajeje123:
Can someone recommend suitable bathing soap and cream to maintain kids' colour? My girls are turning dark.

People's complexions change all the time as a result of many factors - are you using sunscreen? One big sign of sun burn and damage is skin turning dark and I know it's been hot and sunny lately. It's why oyinbos cook themselves in the name of tanning aka damaging the skin lightly to make it dark. It will clear up once the skin heals itself. Please don't go hunting for special soaps/ cream to make them lighter or brighter. Normal Aveeno or any good moisturiser or emollient is fine as we head into winter and dry skin territory.

Just as an aside - hopefully you're not referencing to the girls' hearing that they're turning dark? I often see how our children can internalise the all things dark/black is bad and go the other way.

triplo3:
Ancestors,

Someone in Nigeria is trying to buy property in UK. They’re willing to pay the >25% deposit for a mortgage. Target is to preserve capital, gain equity, get good ROI from a rentals etc. Strategic location to ensure long term value. House or flat. What’s the best approach? Any advise. Thank you in advance.

No chance of a mortgage - not from any mainstream lender or other registered financial lenders anyway. Not even with a 50% deposit. The chances of meeting AML requirements is almost zero as we have no acceptable credit rating authority/ facility/system in Nigeria.

LaXxOnebody:
Has anyone ever tried getting a property via an auction?

Would you be able to survey it also?

Any thoughts or advice based on experience?

Bring back @SemmyK also

Have you reached out to SemmyK to check he is ok? Be a good fellow Nigerian and check on him!

If you don't need a mortgage then by all means have a go at auction. Be aware that all your buying costs are pre-loaded. 90% of the time, houses at auction have heaps of issues, weird covenants and could be unmortgage-able. You also need to complete within 28 days and once the gavel falls, you don buy house be that.

So to buy at auction, you need to have;

1. Collected/ downloaded and read the legal pack. So you will need to instruct and pay a solicitor to do that. Considering that you'll usually have about a month beforehand, it means you'll be paying premium prices for the solicitor to work through the documents quickly.

2. Have a 10% deposit plus any auction fees ready to go

3. Have any loans or mortgages already approved and ready to go - this cannot happen for mortgages at all. You maybe able to get a bridging loan but you'll be looking at interest rates of 10% to 12% over a max 18 month period. Most bridging loans also have interest rolled in so they'll give you the money minus the charged interest so they collect their interest upfront. Bridging loans also comes with fees of between 2-3% of the loan which you have to pay upfront. You will also need a broker. You must also have an exit strategy in place so when the loan period ends what will you do? Get a mortgage? Is the house mortgageable even when all repair work has been done?

4. Do a survey for information purposes rather than leverage purposes.

5. Have nerves of steel and good discipline. There is a reason majority of houses at auction go above guide prices. The guide price is just that - a guide price. Guide prices are also often deliberately set very low to generate interest and push people into emptying out their pockets. My friend bought a house in Liverpool at auction - the guide price was £1. The opening bid was £20k. She bought it for £180k and spent about £25k doing it up!

These days there is the modern method of auction which unlike the proper auction method allows you bid over the course of weeks. But you will need to pay all the sellers costs upfront before bidding and if you don't win, you lose that money - usually around £6k to £8k.

If you really want to buy this way, my suggestion would be to look for properties that did not sell at auction and then buy by negotiation. All auction results will tell you what the last bid was or if no one bid on it. You can then use that information to buy at the price point that works for you.

For everything auction, have a look at https://www.eigpropertyauctions.co.uk/

You can register for a free trial period which will allow you to see past auctions, guide prices, sold prices etc.

Raskasal:
Hi Op. Thank you for your informations.

I'm am applying to Auckland university, but was asked to submit a certified copy of my id document. How can I have that done. My ID document is an international passport issued by NIS.

Find a lawyer/barrister/JP to certify it for you. You will need to certify copies of all your documents including certificates too. If you're in Abuja, I can give you details of one.

PalestianIsrael:
Hi Elders,

Had to create a new account to hide my identity.

Need urgent advice. Domestic Violence.

I need advice from Elders who have either experienced similar issues or know people that have. We bought have pictures of the injuries we inflicted to each other as ammunition if things escalate to police.

I’m really confused. Please help!!!

https://mensadviceline.org.uk/ Go to them for advice. They will not only advice you but provide you with the necessary resources, guidance and support you need. Good luck and stay alive!

fetomowo:
@Ticha @justwise @lexus

Is there anyone familiar with life insurance policies?

Please someone is trying to sell me life insurance, should I go for it? What are your thoughts on life insurance in the UK? what are the best policy and what product should I be looking at? Thanks.

We have life insurance and critical illness cover. It's useful to us and we've had one for over 10 years. We also ensure that the life insurance we chose is not cancelled out by death in service benefits/pay-outs. My husband has a very generous death in service and we found some of the fine print of life insurances will not pay out if the death in service payment is higher than the life insurance payout!

We've opted for a sliding payment one which pays off all our existing mortgages especially as all our mortgages are repayments so the amount reduces every year. It's also tied into the trust we set up so the payment goes into the trust which is administered by trustees.

Ours is with Aviva.

PS - if you want to get life insurance, research it yourself and find your own broker if you don't have the me to go through different providers and compare. Don't be talked int it as some advisors are only after their commission.

Yashita:
Thank you Ticha. I was searching for jobs on New Zealand's green list, but I haven't even seen the green list. I really have many questions to ask but let me check the other thread link

Haba jama'a! Go to the NZ immigration website - every single bit of information about visas is there. If you have further questions, do ask. But make sure you have also done your homework by thoroughly reading through the different visas and their requirements.

Everything you need to know about the green list is here - https://www.immigration.govt.nz/new-zealand-visas/preparing-a-visa-application/working-in-nz/qualifications-for-work/green-list-occupations

femijck:
Great job you're doing here Ticha. Your responses are so helpful to so many, more than you could imagine.

I remember this thread because couple of days ago, I met someone who recently arrived here in Akl, we got talking and I mentioned something about Nairaland and he's next question was are you "Femijck" that blew my mind. So incredible to know that something I wrote many years ago is still very informative to some today.

So keep up the good job @Ticha

Aww thank you! You started the good work and the left me
It is really disheartening to see how easily people get scammed.

Yashita:
Hello all,

please I need guidance. Who has successfully applied for vocational programs in a New Zealand school and gotten job/PR afterwards?

https://www.immigration.govt.nz/new-zealand-visas should be your starting point. It also takes a minimum of 4 years to get PR unless your job is on the green list. Check what level of study entitles you to a post study visa before you jump

ehizario2012:
This is soothing to the ear o. I have over 10 years experience as a Relationship Manager with three banks from Nigeria but currently working in a warehouse for now, I will appreciate any advice on any industry to focus my professional job search on.

I passed NatWest bank interviews here and currently waiting for their offer, but I really don't want to do sales anymore in UK jare. We don do marketing tire for Nigeria.

I know there'll be guys here who were once in my position but better off now, ur advice would be appreciated please.

Consider roles that have Communications, Stakeholder Engagement, L & D etc in the titles as you'll be able to show strong transferable skills.

muhyideenabdul:
Hope they will not send me to another country for the process

Why would they do that? It's important to know the visa processes of any country you're interested in applying to - https://www.immigration.govt.nz/ is a one stop shop to everything NZ visas. It would be wise to familiarise yourself with the website.

muhyideenabdul:
@TICHA please I will be glad to talk with you on WhatsApp 07060924065

I will continue throwing my questions here but I will need to ask some funny questions privately please

Please send me an email.

muhyideenabdul:
I believe to missed quote it

My question is, since they have no embassy here in Nigeria how can one get proof as a visa to that destination?

You apply and submit the application online. Of you need biometrics, you'll be informed where to go do them. Same as medicals. All their visas are e -visas so you get your visa by email. Which is then linked to your passport.
It's why there a prevelance of scam visas.

ab4m:
Hello,

Please does anyone know if there is Naija community in Otago?

For those already in NZ studying PhD, how will you rate employment there generally and possibility of combining PhD with fulltime or part-time employment?

I am starting my PhD Finance 1 November self funded, hence the need for this information before departing Naija to enable me plan well.

Thank you.

There's a small Nigerian community in majority of the big cities. Ask the pastoral care support staff at Otago to put you in touch with existing African students there before you come

BorisJohanson:
Hello Ticha.
#MeToo

Hehe oya send me email and I'll send it over