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Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 11:17pm On Nov 19, 2020
Vooom:
Just to ask, sorry to bother.

As an NHS staff also on an online postgraduate program in UK but on a tier 2 visa, would i qualify for this council tax exemption you Just mentioned?



Yes you are exempted from paying council tax, but you need to email your tax exemption certificate from your University to your council with your details. That is what i did, as i am in the same shoes with you, make i enjoy council tax freedom for one year at least. grin
Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 8:43pm On Nov 09, 2020
RalphJean:



Bros, what is LTV again?

My Essay Writing/Comprehension teacher in Secondary school always penalised us for using acronyms that have not been defined in the early parts of an essay.
Biko what is LTV?


Hahaha, sorry jare to type dey lazy me �, LTV is loan to value ratio. It’s Like saying 15% deposit. Bank will pay 85% of the value of the property while you will pay the 15%. Most lenders use the acronym. There is this facebook mortgage group i followed that was helpful. Send me your fb username i will add you.
Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 8:38pm On Nov 09, 2020
erico2k2:

Ok so what is the value of the 15% you got to pay as deposit?

£17,250
Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 8:37pm On Nov 09, 2020
RalphJean:



Biko, by going direct, what does that mean please? I have always thought I must go through mortgage brokers.

Most of them are time wasters, as they can not explain your circumstance better than you, i went directly to halfax explained my circumstance and it was successful. I will use a broker when next i want to remortgage by then Kpali go don ready. I no go need speak plenty English lol.

1 Like 1 Share

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 8:21pm On Nov 09, 2020
Lexusgs430:



Remember, according to our case study here today...... He only got 18 months in the UK.......

How was his mortgage approved?......

I went through halifax.. it was 85% LTV.. I showed 3 months of payslip that showed steady and consistent income including Over times and enhancements, i made sure i built a good credit score, no loans no missed payments. For the person advising using a broker. I was just so lucky. I just thought it was worth trying and it worked.

3 Likes 3 Shares

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 7:30pm On Nov 09, 2020
Lexusgs430:



Rather than pay rent for 2/3 years, if you are able to get a mortgage..... Get a mortgage, by so doing, you would only have 22 years to go...... RENT IS DEAD MONEY.........

If you are unable to get a job afterwards, sell the property and cash your equity......... Can you claim cashback from your landlord........ cheesy

You can lease a brand new vehicle for 24 months ..... SO WHAT ARE YOU TALKING ABOUT........


People are adults, with emotional and financial intelligence, to work out what is best for them........

OFF MY CHEST........

Lexus your head dey there jare.. If you see the ginger wey i ginger my other naija colleagues enh, that was due to their laid back mindset, thinking certain things are not possible, even the mortgage brokers did not give me a chance, i went direct and it only took 30 minutes for me to get an MIP.
Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 7:23pm On Nov 09, 2020
EmmyKing86:
Good morning all.

I am really happy to see that a lot of fellow Nigerians are relocating to the UK and doing very well for themselves. It's very refreshing to hear irrespective of the obstacles we face on our journey to success.

Having said that, I want to say that it is highly impossible for anybody to come from Nigeria or any other 3rd world country and in less than 2 years OWN a house or a brand new 2019/20202021 car. If you noticed, I placed a huge emphasis on the word 'OWN'. If you take a mortgage to buy a house or you are making installmental payments for the brand new car you bought, I am sorry, you do not own those properties and you have plunged yourself into debt. It can take more than 30 years to clear these debts. If something happens and you are not able to make the payments, they would be re-possessed immediately.

My advice for anybody coming on a tier 2 visa is to save and aim for (financial) stability. Getting a mortgage, buying brand new fancy cars, and making any unnecessary purchases within the first 2 years is really not ideal, in addition to all other monthly bills & taxes that will be paid. Use this time to build wealth, save, build a good credit e.t.c. If you end up losing the job and are not able to secure another one under the grace period you would be removed out of the country. Why not try to settle down and after 5 years of being under tier 2 status you would be eligible to apply for ILR which is one of the most stable statuses for immigrants as your stay will no longer be dependent on your work sponsor.

I think it is important for us not to give our country people the wrong impression of life here in the western world. I'm quite sure most of us might have had the experience of receiving phone calls to send money back home because they think we are living in heaven on earth. We are currently in unprecedented times, multiple jobs are no longer secure mostly due to the economic fallout of the pandemic. I can only say that the most secure jobs presently are GP & nursing jobs within the NHS.

Aiming for financial stability should be the objective.

Wishing everyone well as we all hustle in our own legitimate ways.
I am a Radiographer and soon to be a Sonographer my job is high in demand.. i don’t need to wait till 5 years to be financially stable before i own a home, and for the car that is what i want i paid 50% of the amount and paying the balance in 3 years, everyone has what works for him or her.. Don’t discourage people, that is why Asians are making it real big,they virtually own h UK, because they encourage and support one another.

4 Likes

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 5:00pm On Nov 09, 2020
LagosismyHome:


Everyone path is different and been a house owner is good so congrats to TRAY2 , you have done well but above raised a valid point.... trying to over achieve within 2 years can be risky especially in a time like this

If one loses their job, the way everything will collapse like a pack of cards wont be funny ooo.

It nice to have house (brand new car is a different thing sha... liability for me personally it a big No ) but everyone different so dont put pressure on yourself , baby steps are ok too . At least u till you have that ILR in your hand, till then going back is possible and althoughwe pray against it should be at the back of ones mind ...... With ILR even if you lose your job there is benefit as support self

Bros even if i loose my Job God forbid, i will still sell the house and get my equity back. Being rent free is relieving for me, not paying someone else’s mortgage. And buying a brand new car for me is not a liability, i wanted peace of mind with manufacturers warranty, and for the car model the price difference between a brand new and used wasn’t much. My NHS job is secure.

11 Likes 3 Shares

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 11:28pm On Nov 08, 2020
EngrSaks:



Awesome news! Congratulations bro...Big Wins!!!!

Start planning to buy the next house to rent out grin

That is the plan.. in the next 3 years, when I must have bagged my ILR or citizenship..then I go even get mouth enjoy better deals.

6 Likes

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 11:24pm On Nov 08, 2020
humblemoi:


Congratulations to you!!! Wishing you more blessings
Thanks a lot
Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 8:13pm On Nov 08, 2020
I hope this gives hope to some people here, I still can’t believe I am now a home owner and a brand new car 2020 plate car, also undergoing a fully funded post graduate clinical course in University of Leeds from my Trust, just within my 20 months stay in the UK. Mehn this country has been good to me. Anything is possible.

54 Likes 10 Shares

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 2:50pm On Oct 14, 2020
Endlessgrace:
Thanks a lot much appreciated.

Invitation letter
Account statement
Payslips & offer letter
Passport
Mortgage statement/tenancy contract or council tax bill
Marriage certificate

I stated i was sponsoring her trip and i think it helped that i sent to her account the flight fare to show commitment from my end.
Also do not mention In your letter that reason for inviting her is for child care because that’s a no-no.

All the best

1 Like 1 Share

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 7:49am On Oct 14, 2020
Hey guys winter is here, have you had your flu jab yet�. I intend inviting my mother in-law on visiting visa to help with child care around January/February next year, she has 5 year Visa to Canada which she visited early this year, please what documents do i need, and how much do i need to have in my account,and how long will it take to be ready. I am on tier 2 visa. Has anyone applied before?

1 Like

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 5:36am On Aug 18, 2020
walesho:
I want to send a parcel from Manchester to Lagos, anyone have the idea of charges of weight and so on and a good channel or company to use
I just sent 2 phones via dhl from my phone( home pick up) to lagos, it’s gonna get delivered today. I paid £53.

1 Like

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 7:09pm On Jun 20, 2020
elisinho:
Hello @ tray2
I wanted to ask you which did you do first
Naric before you applied for hcpc or the latter thanks
I had my HCPC first, you will use ur hcpc to apply for jobs. Then Naric is for travelling

1 Like

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 6:04am On Jun 19, 2020
JOETITUS:
If one gets a job offer in UK and one does not have IELTS certificate, please are there other options in other to get a tier 2 visa even without IELTS certificate?
Use UK NARIC
Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 8:41am On Jun 04, 2020
bukhety:

Pls help me!
I don’t really know about Vet Docs,I know Docs have to be registered with GMC, after passing Plab 1 and 2. Before applying for jobs.

@ogarlexusgs430 please help her.

1 Like

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 8:36am On Jun 04, 2020
Mimzyy:
Aww why?

my first quote was ok £745 with my provisional license, when i got my License, i had to pay additional £452, which i found ridiculous, and they wouldn’t take even a pence off it. I’m gonna have to look for a better deal when it’s time to renew.
Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 10:50pm On Jun 03, 2020
Mimzyy:
Admiral insurance did well o. I was refunded £25 today. At all at all...
Same here them try sha, but i’m never gonna renew with them

1 Like

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 4:02pm On Jun 01, 2020
Syphax:


Good day sir. I'm also a graduate of radiography from the University of Calabar. Please is it easy for a 2.2 graduate to work as a Radiographer in UK and other European Countries? Also does having a masters degree acquired in Nigeria give one an edge?
No body is bothered with what you graduated with here, maybe if you are applying for postgraduate studies, your skills and experience counts, It depends on the masters in clinical settings.
Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 3:55pm On Jun 01, 2020
Opdannex:
Great minds,
Pls recommend a good car that is easy to maintain and a bit fancy for a new family that has just arrived in Uk with little experience of driving in Uk.
I use a nissan qashqai 1.6 litre diesel engine, 30 quid road tax, it’s such a beauty.

1 Like

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 1:33pm On Jun 01, 2020
elisinho:


hello @tray2 thanks for the vital information you provided above, im an nysc radiographer will be finishing october, i have been searching for radiography threads, but could not find any, can you please shed more light on the vital things i need to have to get a job in the UK.
is NARIC evaluation so important?
Do i need to write IELETS?
because im so confused about what to do other than getting HCPC license
thanks in anticipation.
I did NARIC as it was more convenient for me, all that was needed was my Transcript,and a letter of English proficiency from Uni, after getting registered with HCPC, register on trac jobs and nhs uk jobs,have a good statement of information channel it to suit the JD of the role you are applying for,have good refs, fastest fingers first and hope for the best, as it has now become more competive. Thanks to Brexit as it is now likely a level playing field with other nationalities especially from Europe applying for similar jobs.

3 Likes 2 Shares

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 10:49am On Jun 01, 2020
missjekyll:


May I add that if your failure to pay is due to covid,you can get a payment holiday. Please discuss with your lender. I m not sure where I saw this though but I have read this
MSME, Money saving expert, Martin Lewis is doing a good job

1 Like

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 9:12am On Jun 01, 2020
Ace721:
Hi fellow Nairalanders,

i'm in my final year at unical, i would really love to work and further my studies in the UK, but i have a few questions:

1. Is it worth it to leave Nigeria to work and live in UK?
2. How easy is it to get a job? (I'm in the medical field, radiography to be exact)
3. Which city is the cheapest buh best city to start? What is the cost of living(rent)?
4. Is it really hard to save money in UK?
5. How much can i survive on for a month?
6. Can i work while going to school?

i just want to know if it would be a good decision to make, and to know what i would face whent i get there...the advantages and disadvantages.
Advice on the way of life in UK would also be appreciated.


i'm waiting for a response, thank you in advance.
Congratulations on being in one of the most sort after jobs in the UK, I moved to UK last year January on tier 2 Visa as Radiographer, I must say it is the best decision ever, I got 3 job offers, Southhampton, Manchester and Scunthorpe, after lots of enquiries, i decided to move to Scunny, because it is a cheaper and more economical place to start life in a foreign land, and i also had colleagues working there, In my almost 1 year plus here, i have achieved a lot of which in 10 years back home i would not have achieved, UK is the best place to practice Radiography in the world, here you can get to the highest level of this Profession, I am being sponsored by my Trust for postgraduate studies in Medical Ultrasound in University of leeds, about to buy a house, bought a new car, moved my family, got my UK driving license, etc. All i can say is, do your internship and learn very well, Luckily i also finished from UNICAL, we have one of the best Medical School graduates, From Nysc start your registration with HCPC, get it and start applying for jobs, get skype interviews, and by the time you are through with service you must have gotten a job and take it from there. I hope this helps.

27 Likes 3 Shares

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 11:59am On May 23, 2020
dustydee:

The tap water is safe to drink but I personally prefer to buy bottled water.
the 17p ASDA or Lidl water is good or you could go for SASKIA from Lidl which I think is £1.09 for a pack of 6.
from Day 1 in UK, i have always relied on either Lidl or Aldi’s 17p bottled water. Water from my tap tastes minging.

1 Like

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 11:57am On May 23, 2020
esterella:


Wow! That's cool. Unlike the initial no-fee 1 year renewal they offered the frontline workers whose visa renewal fell due between March and September which excluded their dependants!
yeah, i was gutted as it did not extend to me, as mine is expiring by December, but the IHS waiver comes as a relief.
Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 10:11pm On May 22, 2020
esterella:


Please, is there any inclination that dependants (spouses & children) of foreign NHS workers will be exempted from paying the IHS surcharge as well?
Most Definitely.. it includes their dependants
Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 8:08pm On May 21, 2020
Lexusgs430:



Or send the money to me....... grin
hahaha Ogar Lexus, this news sweet me wella o, abeg you fit recommend me the best mortgage lender, I have been in the UK for one and half years, i have a good credit score, and a reasonable deposit.

1 Like

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 7:18pm On May 21, 2020
Lexusgs430:
The power of the press and positive opposition pressure........ grin
I’m so happy, that is £5600 plus saved for my next 3 year renewal, now i can channel the money into getting a mortgage.Thank you Boris/ Patel, una try small

3 Likes

Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 4:38pm On Apr 04, 2020
Chai why not December, mine expires at that time, and btw hope the plan of increasing health IHS later this year isn’t happening o.
Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 9:36pm On Feb 23, 2020
whuzmhan:
@TRAY2
Congratulations on your driving test
Please I need help on how to get International Driving License
I sent you an Email, kindly respond.
I need you to please share with me details of how to go about it
Thank You
Thanks, I did mine in Lagos.
Travel / Re: Living In The Uk/life As A UK Immigrant by TRAY2(m): 8:43pm On Feb 22, 2020
fatima04:


Congratulations, start shopping for the Rolls royce and complete the testimony grin grin
I’ve got a beautiful Qashqai already, was using my international license to drive before it expired.Thanks

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