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.

Great points...

It is very correct to act with caution but everybody's circumstances are different. I believe the poster is in training in addition to his normal work so fingers crossed his T2 should take his safely to ILR. He go dey alright

He has made some decisions and i totally agree with you that the car part of the purchase was an emotional one rather than a financial savvy one...i am personally not a fan of taking finance on cars. Best decision would have been to buy an affordable one outright with available funds.


If i would advice someone on a T2...Buy a house as soon as you can, even if it is day one...chances are your mortgage will cost as much as your rent at most. Get a car only if you need one, when getting one remember this is not naija, so cars are not really a luxury, just a necessity to move between places you need to get to. so buy one without finance if you can or with an amount that wouldn't tilt your finances too much....and most importantly get houses you can rent out...this will give you extra income and your tenant will be paying the mortgage for you through the rent

jaeybee98:
Hello, were you able to secure a job without HCPC certification?

Na
I'm waiting for the certification to start job hunting

flinton:

Na
I'm waiting for the certification to start job hunting

Alright, all the best.

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.

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........

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........

Everybody do what you want. You are all adults it’s only you that knows your pocket. ThIs topic keeps coming up here and I’ve even been insulted by one small boy here for voicing my opinion. I think it’s a very sensitive topic for some people. If you want a car straight from the show room please go ahead and knock yourself out. If you want second hand do same . It’s your prerogative. We are lucky we live in a free world. Good luck to all the hard working People. Stay blessed.

marylandcakes:
Everybody do what you want. You are all adults it’s only you that knows your pocket. ThIs topic keeps coming up here and I’ve even been insulted by one small boy here for voicing my opinion. I think it’s a very sensitive topic for some people. If you want a car straight from the show room please go ahead and knock yourself out. If you want second hand do same . It’s your prerogative. We are lucky we live in a free world. Good luck to all the hard working People. Stay blessed.

True, everyone can do what they like...but I think everyone should do what they like after they have the best available information...someone like me would prefer to know all the options available before I make a decision, not necessarily because I can do what I like and it's my money....

I see this thread like an advice channel where you can get diverse advice on everything concerning the UK, so I really dont get offended by people's opinion...because really, an opinion is just a view shaped by someone's experience or circumstance.

Let's keep sending in our honest opinions about things so that we can all help each other grow faster

One love

jaeybee98:
Alright, all the best.

Tnx

Just say congratulations instead of preaching or giving advice on someone else success story there are others days to do that.

Las las the importance of mortgage over rent can not be over emphasised.

Na person wey no get good credit score or wey no get deposit go sey rent is better than mortgage.

marylandcakes:
Everybody do what you want. You are all adults it’s only you that knows your pocket. ThIs topic keeps coming up here and I’ve even been insulted by one small boy here for voicing my opinion. I think it’s a very sensitive topic for some people. If you want a car straight from the show room please go ahead and knock yourself out. If you want second hand do same . It’s your prerogative. We are lucky we live in a free world. Good luck to all the hard working People. Stay blessed.

��� Very ... How u take Sabi say the boy small... Hahaha

Aprokodaughter:
Just say congratulations instead of preaching or giving advice on someone else success story there are others days to do that.

Exactly

Good afternoon @ everyone

I use to think T2 visas are on a 5 year route to settlement.
When we (family) got our visas it was written on the accompanying doc that we are on a 10 year route to settlement
Is it new? Or I have been thinking amiss

How do one change to 5 year route

NB I'm a newbie and I don't intend to be idle while I wait for my professional certification before job hunting
Any advice on how to survive, hustle & keep body and soul together, I will greatly appreciate
I'm in liverpool

flinton:
Good afternoon @ everyone

I use to think T2 visas are on a 5 year route to settlement.
When we (family) got our visas it was written on the accompanying doc that we are on a 10 year route to settlement
Is it new? Or I have been thinking amiss

How do one change to 5 year route

NB I'm a newbie and I don't intend to be idle while I wait for my professional certification before job hunting
Any advice on how to survive, hustle & keep body and soul together, I will greatly appreciate
I'm in liverpool

What visa is your spouse on.... any of your child a british citizen?. This document doesnt look like you were given Tier 2 .

Paragraph Gen.3.1: and 3.2 is used when a British citizen spouse cannot meet the financial requirements for Appendix FM. ...but in the interest of a British child it is granted and put on a 10 years path

TRAY2:
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.

God be praised! More wins in sound health!!!

LagosismyHome:


What visa is your spouse on.... any of your child a british citizen?. This document doesnt look like you were given Tier 2 .

Paragraph Gen.3.1: and 3.2 is used when a British citizen spouse cannot meet the financial requirements for Appendix FM. ...but in the interest of a British child it is granted and put on a 10 years path

We are all Nigerians
My spouse is on Tier 2
My son and I are on T2 dependent visas

flinton:

We are all Nigerians
My spouse is on Tier 2
My son and I are on T2 dependent visas

The letter was addressed to?
You and your son (the dependants)
Rather than your wife (partner) the main applicant, yes?

Tobexin:
Why are houses so cheap in the northeast of England? Was checking on zoopla and could find Two bed apartment for as low as £25,000 outright payment.... no bidding or auction involved and most houses don’t need much renovations. Any reason for this price guys ?

That means with £2,500 I already have 10% payment for mortgage?

Please bro, could you kindly help me with a link to one of those properties?
Or better still, tell me the specific part of the NorthWest, I could check for myself. Lemme too become house owner abeg.

2 bed flat for 25,000 ! That’s less than 17 months rent in my 2-bedroom East London flat.

RalphJean:


The letter was addressed to?
You and your son (the dependants)
Rather than your wife (partner) the main applicant, yes?

The conditions are applicable to all of us
Our accompanying letters are the same

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.

RalphJean:



That means with £2,500 I already have 10% payment for mortgage?

Please bro, could you kindly help me with a link to one of those properties?
Or better still, tell me the specific part of the NorthWest, I could check for myself. Lemme too become house owner abeg.

2 bed flat for 25,000 ! That’s less than 17 months rent in my 2-bedroom East London flat.

Me sef dey wait for that link. Investment property don land
25k for North west? waiting patiently

And does your BRP say T2/dependants?

Call or email the details on that letter. You can raise a complaint as well
https://www.gov.uk/government/organisations/uk-visas-and-immigration/about/complaints-procedure#how-to-complain
https://www.gov.uk/contact-ukvi-inside-outside-uk

And if your BRPs are correct and nothing was done, clearly state the error on your next application detailing the mistake they made.

flinton:

The conditions are applicable to all of us
Our accompanying letters are the same

RalphJean:



That means with £2,500 I already have 10% payment for mortgage?

Please bro, could you kindly help me with a link to one of those properties?
Or better still, tell me the specific part of the NorthWest, I could check for myself. Lemme too become house owner abeg.

2 bed flat for 25,000 ! That’s less than 17 months rent in my 2-bedroom East London flat.

take a look at this https://www.zoopla.co.uk/for-sale/details/56707934?search_identifier=aa6d8f3aeee8e7079b7c411e284be5fe

TRAY2:


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.

Good for you.... but why does everyone have to be Bros ...I am female

flinton:

We are all Nigerians
My spouse is on Tier 2
My son and I are on T2 dependent visas

Then there a mistake somewhere.... maybe the Visa officer was sleeping while processing your visa. You need to call , write and sort it out

Or else when it comes to renewal stories that touched can enter. That write up in that letter is definitely not for T2 category

EngrSaks:



True, everyone can do what they like...but I think everyone should do what they like after they have the best available information...someone like me would prefer to know all the options available before I make a decision, not necessarily because I can do what I like and it's my money....

I see this thread like an advice channel where you can get diverse advice on everything concerning the UK, so I really dont get offended by people's opinion...because really, an opinion is just a view shaped by someone's experience or circumstance.

Let's keep sending in our honest opinions about things so that we can all help each other grow faster

One love

Not everybody like to take advice especially if it’s not what they want to hear. This car lease issue has come up so many times on here if you go back on the pages, like you said this thread is a place where we can share our experiences so others can learn but you get the minority hiding behind the keyboard using it as an excuse to be rude.

wallg123:

��� Very ... How u take Sabi say the boy small... Hahaha

LagosismyHome:


Then there a mistake somewhere.... maybe the Visa officer was sleeping while processing your visa. You need to call , write and sort it out

Or else when it comes to renewal stories that touched can enter. That write up in that letter is definitely not for T2 category

Sorry
I think I supplied incomplete information

When the endorsement on your vignette includes the phrase
Standard(5 year route)
If
Non standard 1 or
Non standard 2 (10 year route)

our vignettes contains neither phrases
Is there a special way to check the route one is?

flinton:

Sorry
I think I supplied incomplete information

When the endorsement on your vignette includes the phrase
Standard(5 year route)
If
Non standard 1 or
Non standard 2 (10 year route)

our vignettes contains neither phrases
Is there a special way to check the route one is?

I for fear ooo. This more like it.... it a generic letter that is covering different category .

I was like how can tier 2 be talking about Gen.3.1: and 3.2

Tobexin:
take a look at this https://www.zoopla.co.uk/for-sale/details/56707934?search_identifier=aa6d8f3aeee8e7079b7c411e284be5fe

This crib lifespan don near na
Even for dash ah no go collect

marylandcakes:


Not everybody like to take advice especially if it’s not what they want to hear. This car lease issue has come up so many times on here if you go back on the pages, like you said this thread is a place where we can share our experiences so others can learn but you get the minority hiding behind the keyboard using it as an excuse to be rude.

Yeah, some people like to insult to prove their point...when it actually does the opposite

Tobexin:
take a look at this https://www.zoopla.co.uk/for-sale/details/56707934?search_identifier=aa6d8f3aeee8e7079b7c411e284be5fe

Leasehold with short lease...that na one chance o, as person wey get the lease fit call any amount for you...RUN!

Them nor dey rush for house matter o...do your proper investigation...it is always better to buy a house with freehold...

But if na leasehold your money reach, just make sure no comma for the lease (let it be long above 70 years) or any additional fees you might have to pay inside