Nothing to worry about.

Convert and lodge in your Dom account or a Mutual fund account.

For mutual fund you will simply be given an investment certificate, which is the best. No questions asked.

Alternatively just keep your house sale agreement and use that in a LOE when you are submitting explaining the source of funds.

I actually used my investment certificate, my pension certificate and treasury bills certificate, packed all in an LOE and tabulated each cash flow in CAD for easy analysis.

Don't worry too much about it, as long as the bar pass the requirement you are good.

businesscitadel:
Hi everyone,

Thanks to braine and GraciousWords who helped me out on work reference issues. However, I'm back again but this time, it concern proof of funds this time.

I will be receiving payment of 20 million naira for the sale of my house from a buyer this Friday (and possibly convert into dollars in a dom account to be used as part of my pof). While the name on the house is my sister's, I have borne the burden of equity and monthly mortgage payments from inception. So the house is technically mine. She got the house for me through the housing scheme of her place of employment that's why it was in her name.

I need guidance on how to explain this lump sum given.

Sorry about your refusal, submitting 13 pages of SOP does not guarantee an approval, since you have ordered the GCMS note let it come out first, what might be the issue is TCC, you submitted a registered company without TCC.

Marcgrace:
Hello @Bobomaigida
Thank you.
I submitted a comprehensive 13-page (SOP) document, accompanied by a detailed explanation of the Proof of Funds (pof). The submission also included documentation of a substantial annual pension fund, supported by a CAC Nigeria certificate, as well as evidence of an additional income stream from a rice investment, along with the Rice company's CAC Nigeria certificate.
I will go ahead and request a GCMS note.

Hello @Bobomaigida
Thank you.
I submitted a comprehensive 13-page (SOP) document, accompanied by a detailed explanation of the Proof of Funds (pof). The submission also included documentation of a substantial annual pension fund, supported by a CAC Nigeria certificate, as well as evidence of an additional income stream from a rice investment, along with the Rice company's CAC Nigeria certificate.
I will go ahead and request a GCMS note.

Bobomaigida:


Sorry about the refusal, can share application details?
Also request for your notes to know the detailed reasons for the refusal.
You can share it here when it comes out for the house to advise.

Please after you were denied visa the 1st time, did you do another biometrics??

Bejewelled:
This is a long read, but I am being as detailed as possible, because I know how helpful it was, reading other detailed accounts, here.
We are a family of 6, but only 4 members of the family were on the application, as the other 2 are American citizens.
4 Members of family on application
Me – Study permit for a Master's degree
Husband – SOWP
1st Child – Study permit for an Undergraduate degree
2nd Child – Study permit for High School

Application Timeline
Upfront Medical – April 5th 2024
Submission – May 16th 2024
Biometrics for Me and First Child - May 20th 2024. Updated on portal, same day.
Second Child was exempted from giving biometric information.
My husband’s BIL was not sent same time as ours. I also noticed that he had no UCI. I sent a webform about both issues, on the morning of May 29th and he received his BIL that same night. His profile also got assigned a UCI.
Biometrics for Husband – May 30th. Updated on portal same day.
Medical updated to passed for everyone: June 15th
Applications denied - June 15th.
Reason: Your assets and financial situation are insufficient to support the stated purpose of travel for yourself (and any accompanying family member(s), if applicable.
I applied for GCMS notes minutes after I got the email, but I suspected that the reason for the denial was because my school fees were not paid. I figured that the lack of significant commitment to the school could have been the reason, as there was more than enough money, with clear sources, to cover everyone on the application. I was happy that the reason for the denial was only financial, so I figured that doing more to show financial commitment would help. So, I made some adjustments to our applications and reapplied on June 25th, without receiving the GCMS notes.
The notes finally came on July 23rd and I saw that there wasn’t confidence that, despite the robust finances, my school fees and our living expenses would be sorted. So, my guess, about the reason for refusal, was accurate.
Application Timeline
Submission – June 25th 2024 with Biometrics updated immediately for Me and First Child.
Husband’s UCI and Biometrics updated – July 3rd 2024
PPR for everyone – July 25th 2024


Letters of Explanation
My LOE explained the educational and career progressions that led me to the particular Master’s degree. It also explained why I wanted to be with my family during that journey. I mentioned that the 2 Americans would also be travelling with me, so pof was for 6 people. Documents were attached to show that claims of education and profession were accurate. WES verifications and IELTS results were included in these. I also mentioned an extensive travel history and haven never defaulted on any visas.

My husband’s Reason for Travel, detailed his career and qualifications and explained that he does not have any immediate plans to resign his job and move to Canada, for the duration of my studies. The application for the SOWP was to take advantage of any solid opportunities, for work, that may come up for him, in Canada, while I am there, as this would enable us all be together. His extensive travel history was mentioned, as well as non default on any previous visas.
In his LOE, documents were attached that proved the accuracy of the claims on his Reason for Travel. WES verifications and IELTS results were included in these.

My first child’s LOE explained that studying in Canada was so she could get the kind of education that would make her secondary goals easier to attain. She got into a competitive course, in one of Canada’s highly ranked schools and it is a precursor to her intended second degree and subsequent career. The LOE delved into that.

as the principal applicant in a Master’s degree, I did not require a PAL, so I answered “no” to that question. as a result, there was no special place to attach my daughter’s. To make sure it was not missed, I merged it with her offer letter and uploaded together. I also did the same with her LOE before uploading. So, her PAL was uploaded as a part of two separate attachments.
She is a minor, but did not require the Custodian Declaration form, as I would be there with her. We would be attending the same school in September, as well, albeit different faculties.

I did not include any LOE for my 2nd child. I only filled his forms, including the optional one that applied for a TRV.

Proof Of Funds for 6
- First year fees were fully paid for 1st child’s undergraduate degree. Receipts of a little over 35k CAD, from the school, were submitted for both applications.
- For the first application, I submitted only the receipt for my acceptance deposit. The school did not require that I pay more than that and because the money was in an investment account, I did not want to pull it out. For the second application, my Master’s degree was fully paid for, with funds from another account, not submitted. The receipt of a little over 65k CAD, from the school, was submitted, which detailed both payments.
- I submitted the Investment Advice letter received from CIBC, for a GIC of 50k CAD, in my name. I did this only during the second application.
- A USD investment account, co-owned by me and my husband, with funds that can be moved within 48 hours. This was the most significant pof, so the statement of account was from inception of the account and ran for over 4 years, to make it clear that the funds had been available for a long time and that there were no sudden deposits that inflated the figures. All the deposits, into the account, within the last year, were quite significant. So, I made sure to explain them, with proof of sources of fund. A reference letter was attached from the investment house, to back up the SOA. At the time of the second application, the money was less, as the money for the GIC came from this account. I explained that it took just 48 hours to conclude that transaction and that there was no fear about a subsequent withdrawal not being as fast. This account had almost 65k USD left in it, after the GIC payment.
- Statement of account for my husband’s USD account, in a Nigerian bank, for a period of over a year. There had been no transactions in that account for five months, hence the need to show something more comprehensive.
- My husband’s pension fund statement of account, that showed that he could access 25% of the funds, if unemployed for 4 months. That 25% was a significant amount, hence my reason to attach this SOA.
- For the first application, I did not include any of my personal accounts, as fees had been paid from there, so there were a lot of transactions on them that I didn’t want to bother with explaining. For the second application, I included a six-month account statement of my Bank of America account and explained sources of funds in that account.
*** I also mentioned that I would be selling a car, in my name, as soon as the visa came out, in order to buy another in Canada. I included the documents of that car and gave an estimate of the expected sale value. However, I did not include this value while providing a total for the pof.
*** Since the first year of my child’s fees had been fully paid and all of mine were fully paid, the funds in all the accounts and the GIC covered:
- Required pof for 6, for a year, as seen on IRCC website.
- Funds for return tickets. I attached screenshots of one-way ticket prices for the six of us, from KLM, for our intended travel date and simply multiplied it by 2.
- Second year fees for 1st child’s undergraduate degree.
- More than the required funds for a second year of required pof for a family of 6.

Home Ties
- Our home, with recent valuation documents, in both our names, included.
- I mentioned my aged mum and told a story around her current circumstances.
- Car documents (not the one I had mentioned that would be sold) Whether, that was important or not, I have no clue.
- My husband’s job role is very significant and his LOA stated that he had no intention of resigning from that. He stated that if searched and he didn’t get a job similar to what he currently had, he wouldn’t be moving to Canada.

Because I was applying for the SOWP, I was able to use the IRCC Secure Account (GCKey) to apply and was able to upload documents up to 4MB.
I used the website ilovepdf to merge and sometimes, compress my merged documents.

I would say that the most significant part of this experience for me, was knowing that this was what God wanted for us, so I was willing to do my part in bringing that to life. So, besides dotting all your i's and crossing all your t’s, commit it all to God and at the right time, it would happen, if He wills it.
However you can, show significant financial commitment to the process.
No matter what stories you tell in your Letters of Explanation, provide verifiable documents to back them up.
God’s grace to all those still waiting. May Canada be good to us all, in Jesus Name, Amen.

This is quite detailed. Congratulations to you and yours.

Bejewelled:
This is a long read, but I am being as detailed as possible, because I know how helpful it was, reading other detailed accounts, here.
We are a family of 6, but only 4 members of the family were on the application, as the other 2 are American citizens.
4 Members of family on application
Me – Study permit for a Master's degree
Husband – SOWP
1st Child – Study permit for an Undergraduate degree
2nd Child – Study permit for High School

Application Timeline
Upfront Medical – April 5th 2024
Submission – May 16th 2024
Biometrics for Me and First Child - May 20th 2024. Updated on portal, same day.
Second Child was exempted from giving biometric information.
My husband’s BIL was not sent same time as ours. I also noticed that he had no UCI. I sent a webform about both issues, on the morning of May 29th and he received his BIL that same night. His profile also got assigned a UCI.
Biometrics for Husband – May 30th. Updated on portal same day.
Medical updated to passed for everyone: June 15th
Applications denied - June 15th.
Reason: Your assets and financial situation are insufficient to support the stated purpose of travel for yourself (and any accompanying family member(s), if applicable.
I applied for GCMS notes minutes after I got the email, but I suspected that the reason for the denial was because my school fees were not paid. I figured that the lack of significant commitment to the school could have been the reason, as there was more than enough money, with clear sources, to cover everyone on the application. I was happy that the reason for the denial was only financial, so I figured that doing more to show financial commitment would help. So, I made some adjustments to our applications and reapplied on June 25th, without receiving the GCMS notes.
The notes finally came on July 23rd and I saw that there wasn’t confidence that, despite the robust finances, my school fees and our living expenses would be sorted. So, my guess, about the reason for refusal, was accurate.
Application Timeline
Submission – June 25th 2024 with Biometrics updated immediately for Me and First Child.
Husband’s UCI and Biometrics updated – July 3rd 2024
PPR for everyone – July 25th 2024


Letters of Explanation
My LOE explained the educational and career progressions that led me to the particular Master’s degree. It also explained why I wanted to be with my family during that journey. I mentioned that the 2 Americans would also be travelling with me, so pof was for 6 people. Documents were attached to show that claims of education and profession were accurate. WES verifications and IELTS results were included in these. I also mentioned an extensive travel history and haven never defaulted on any visas.

My husband’s Reason for Travel, detailed his career and qualifications and explained that he does not have any immediate plans to resign his job and move to Canada, for the duration of my studies. The application for the SOWP was to take advantage of any solid opportunities, for work, that may come up for him, in Canada, while I am there, as this would enable us all be together. His extensive travel history was mentioned, as well as non default on any previous visas.
In his LOE, documents were attached that proved the accuracy of the claims on his Reason for Travel. WES verifications and IELTS results were included in these.

My first child’s LOE explained that studying in Canada was so she could get the kind of education that would make her secondary goals easier to attain. She got into a competitive course, in one of Canada’s highly ranked schools and it is a precursor to her intended second degree and subsequent career. The LOE delved into that.

as the principal applicant in a Master’s degree, I did not require a PAL, so I answered “no” to that question. as a result, there was no special place to attach my daughter’s. To make sure it was not missed, I merged it with her offer letter and uploaded together. I also did the same with her LOE before uploading. So, her PAL was uploaded as a part of two separate attachments.
She is a minor, but did not require the Custodian Declaration form, as I would be there with her. We would be attending the same school in September, as well, albeit different faculties.

I did not include any LOE for my 2nd child. I only filled his forms, including the optional one that applied for a TRV.

Proof Of Funds for 6
- First year fees were fully paid for 1st child’s undergraduate degree. Receipts of a little over 35k CAD, from the school, were submitted for both applications.
- For the first application, I submitted only the receipt for my acceptance deposit. The school did not require that I pay more than that and because the money was in an investment account, I did not want to pull it out. For the second application, my Master’s degree was fully paid for, with funds from another account, not submitted. The receipt of a little over 65k CAD, from the school, was submitted, which detailed both payments.
- I submitted the Investment Advice letter received from CIBC, for a GIC of 50k CAD, in my name. I did this only during the second application.
- A USD investment account, co-owned by me and my husband, with funds that can be moved within 48 hours. This was the most significant pof, so the statement of account was from inception of the account and ran for over 4 years, to make it clear that the funds had been available for a long time and that there were no sudden deposits that inflated the figures. All the deposits, into the account, within the last year, were quite significant. So, I made sure to explain them, with proof of sources of fund. A reference letter was attached from the investment house, to back up the SOA. At the time of the second application, the money was less, as the money for the GIC came from this account. I explained that it took just 48 hours to conclude that transaction and that there was no fear about a subsequent withdrawal not being as fast. This account had almost 65k USD left in it, after the GIC payment.
- Statement of account for my husband’s USD account, in a Nigerian bank, for a period of over a year. There had been no transactions in that account for five months, hence the need to show something more comprehensive.
- My husband’s pension fund statement of account, that showed that he could access 25% of the funds, if unemployed for 4 months. That 25% was a significant amount, hence my reason to attach this SOA.
- For the first application, I did not include any of my personal accounts, as fees had been paid from there, so there were a lot of transactions on them that I didn’t want to bother with explaining. For the second application, I included a six-month account statement of my Bank of America account and explained sources of funds in that account.
*** I also mentioned that I would be selling a car, in my name, as soon as the visa came out, in order to buy another in Canada. I included the documents of that car and gave an estimate of the expected sale value. However, I did not include this value while providing a total for the pof.
*** Since the first year of my child’s fees had been fully paid and all of mine were fully paid, the funds in all the accounts and the GIC covered:
- Required pof for 6, for a year, as seen on IRCC website.
- Funds for return tickets. I attached screenshots of one-way ticket prices for the six of us, from KLM, for our intended travel date and simply multiplied it by 2.
- Second year fees for 1st child’s undergraduate degree.
- More than the required funds for a second year of required pof for a family of 6.

Home Ties
- Our home, with recent valuation documents, in both our names, included.
- I mentioned my aged mum and told a story around her current circumstances.
- Car documents (not the one I had mentioned that would be sold) Whether, that was important or not, I have no clue.
- My husband’s job role is very significant and his LOA stated that he had no intention of resigning from that. He stated that if searched and he didn’t get a job similar to what he currently had, he wouldn’t be moving to Canada.

Because I was applying for the SOWP, I was able to use the IRCC Secure Account (GCKey) to apply and was able to upload documents up to 4MB.
I used the website ilovepdf to merge and sometimes, compress my merged documents.

I would say that the most significant part of this experience for me, was knowing that this was what God wanted for us, so I was willing to do my part in bringing that to life. So, besides dotting all your i's and crossing all your t’s, commit it all to God and at the right time, it would happen, if He wills it.
However you can, show significant financial commitment to the process.
No matter what stories you tell in your Letters of Explanation, provide verifiable documents to back them up.
God’s grace to all those still waiting. May Canada be good to us all, in Jesus Name, Amen.

Congratulations.

Bejewelled:
This is a long read, but I am being as detailed as possible, because I know how helpful it was, reading other detailed accounts, here.
We are a family of 6, but only 4 members of the family were on the application, as the other 2 are American citizens.
4 Members of family on application
Me – Study permit for a Master's degree
Husband – SOWP
1st Child – Study permit for an Undergraduate degree
2nd Child – Study permit for High School

Application Timeline
Upfront Medical – April 5th 2024
Submission – May 16th 2024
Biometrics for Me and First Child - May 20th 2024. Updated on portal, same day.
Second Child was exempted from giving biometric information.
My husband’s BIL was not sent same time as ours. I also noticed that he had no UCI. I sent a webform about both issues, on the morning of May 29th and he received his BIL that same night. His profile also got assigned a UCI.
Biometrics for Husband – May 30th. Updated on portal same day.
Medical updated to passed for everyone: June 15th
Applications denied - June 15th.
Reason: Your assets and financial situation are insufficient to support the stated purpose of travel for yourself (and any accompanying family member(s), if applicable.
I applied for GCMS notes minutes after I got the email, but I suspected that the reason for the denial was because my school fees were not paid. I figured that the lack of significant commitment to the school could have been the reason, as there was more than enough money, with clear sources, to cover everyone on the application. I was happy that the reason for the denial was only financial, so I figured that doing more to show financial commitment would help. So, I made some adjustments to our applications and reapplied on June 25th, without receiving the GCMS notes.
The notes finally came on July 23rd and I saw that there wasn’t confidence that, despite the robust finances, my school fees and our living expenses would be sorted. So, my guess, about the reason for refusal, was accurate.
Application Timeline
Submission – June 25th 2024 with Biometrics updated immediately for Me and First Child.
Husband’s UCI and Biometrics updated – July 3rd 2024
PPR for everyone – July 25th 2024


Letters of Explanation
My LOE explained the educational and career progressions that led me to the particular Master’s degree. It also explained why I wanted to be with my family during that journey. I mentioned that the 2 Americans would also be travelling with me, so pof was for 6 people. Documents were attached to show that claims of education and profession were accurate. WES verifications and IELTS results were included in these. I also mentioned an extensive travel history and haven never defaulted on any visas.

My husband’s Reason for Travel, detailed his career and qualifications and explained that he does not have any immediate plans to resign his job and move to Canada, for the duration of my studies. The application for the SOWP was to take advantage of any solid opportunities, for work, that may come up for him, in Canada, while I am there, as this would enable us all be together. His extensive travel history was mentioned, as well as non default on any previous visas.
In his LOE, documents were attached that proved the accuracy of the claims on his Reason for Travel. WES verifications and IELTS results were included in these.

My first child’s LOE explained that studying in Canada was so she could get the kind of education that would make her secondary goals easier to attain. She got into a competitive course, in one of Canada’s highly ranked schools and it is a precursor to her intended second degree and subsequent career. The LOE delved into that.

as the principal applicant in a Master’s degree, I did not require a PAL, so I answered “no” to that question. as a result, there was no special place to attach my daughter’s. To make sure it was not missed, I merged it with her offer letter and uploaded together. I also did the same with her LOE before uploading. So, her PAL was uploaded as a part of two separate attachments.
She is a minor, but did not require the Custodian Declaration form, as I would be there with her. We would be attending the same school in September, as well, albeit different faculties.

I did not include any LOE for my 2nd child. I only filled his forms, including the optional one that applied for a TRV.

Proof Of Funds for 6
- First year fees were fully paid for 1st child’s undergraduate degree. Receipts of a little over 35k CAD, from the school, were submitted for both applications.
- For the first application, I submitted only the receipt for my acceptance deposit. The school did not require that I pay more than that and because the money was in an investment account, I did not want to pull it out. For the second application, my Master’s degree was fully paid for, with funds from another account, not submitted. The receipt of a little over 65k CAD, from the school, was submitted, which detailed both payments.
- I submitted the Investment Advice letter received from CIBC, for a GIC of 50k CAD, in my name. I did this only during the second application.
- A USD investment account, co-owned by me and my husband, with funds that can be moved within 48 hours. This was the most significant pof, so the statement of account was from inception of the account and ran for over 4 years, to make it clear that the funds had been available for a long time and that there were no sudden deposits that inflated the figures. All the deposits, into the account, within the last year, were quite significant. So, I made sure to explain them, with proof of sources of fund. A reference letter was attached from the investment house, to back up the SOA. At the time of the second application, the money was less, as the money for the GIC came from this account. I explained that it took just 48 hours to conclude that transaction and that there was no fear about a subsequent withdrawal not being as fast. This account had almost 65k USD left in it, after the GIC payment.
- Statement of account for my husband’s USD account, in a Nigerian bank, for a period of over a year. There had been no transactions in that account for five months, hence the need to show something more comprehensive.
- My husband’s pension fund statement of account, that showed that he could access 25% of the funds, if unemployed for 4 months. That 25% was a significant amount, hence my reason to attach this SOA.
- For the first application, I did not include any of my personal accounts, as fees had been paid from there, so there were a lot of transactions on them that I didn’t want to bother with explaining. For the second application, I included a six-month account statement of my Bank of America account and explained sources of funds in that account.
*** I also mentioned that I would be selling a car, in my name, as soon as the visa came out, in order to buy another in Canada. I included the documents of that car and gave an estimate of the expected sale value. However, I did not include this value while providing a total for the pof.
*** Since the first year of my child’s fees had been fully paid and all of mine were fully paid, the funds in all the accounts and the GIC covered:
- Required pof for 6, for a year, as seen on IRCC website.
- Funds for return tickets. I attached screenshots of one-way ticket prices for the six of us, from KLM, for our intended travel date and simply multiplied it by 2.
- Second year fees for 1st child’s undergraduate degree.
- More than the required funds for a second year of required pof for a family of 6.

Home Ties
- Our home, with recent valuation documents, in both our names, included.
- I mentioned my aged mum and told a story around her current circumstances.
- Car documents (not the one I had mentioned that would be sold) Whether, that was important or not, I have no clue.
- My husband’s job role is very significant and his LOA stated that he had no intention of resigning from that. He stated that if searched and he didn’t get a job similar to what he currently had, he wouldn’t be moving to Canada.

Because I was applying for the SOWP, I was able to use the IRCC Secure Account (GCKey) to apply and was able to upload documents up to 4MB.
I used the website ilovepdf to merge and sometimes, compress my merged documents.

I would say that the most significant part of this experience for me, was knowing that this was what God wanted for us, so I was willing to do my part in bringing that to life. So, besides dotting all your i's and crossing all your t’s, commit it all to God and at the right time, it would happen, if He wills it.
However you can, show significant financial commitment to the process.
No matter what stories you tell in your Letters of Explanation, provide verifiable documents to back them up.
God’s grace to all those still waiting. May Canada be good to us all, in Jesus Name, Amen.

Bejewelled:
This is a long read, but I am being as detailed as possible, because I know how helpful it was, reading other detailed accounts, here.
We are a family of 6, but only 4 members of the family were on the application, as the other 2 are American citizens.
4 Members of family on application
Me – Study permit for a Master's degree
Husband – SOWP
1st Child – Study permit for an Undergraduate degree
2nd Child – Study permit for High School

Application Timeline
Upfront Medical – April 5th 2024
Submission – May 16th 2024
Biometrics for Me and First Child - May 20th 2024. Updated on portal, same day.
Second Child was exempted from giving biometric information.
My husband’s BIL was not sent same time as ours. I also noticed that he had no UCI. I sent a webform about both issues, on the morning of May 29th and he received his BIL that same night. His profile also got assigned a UCI.
Biometrics for Husband – May 30th. Updated on portal same day.
Medical updated to passed for everyone: June 15th
Applications denied - June 15th.
Reason: Your assets and financial situation are insufficient to support the stated purpose of travel for yourself (and any accompanying family member(s), if applicable.
I applied for GCMS notes minutes after I got the email, but I suspected that the reason for the denial was because my school fees were not paid. I figured that the lack of significant commitment to the school could have been the reason, as there was more than enough money, with clear sources, to cover everyone on the application. I was happy that the reason for the denial was only financial, so I figured that doing more to show financial commitment would help. So, I made some adjustments to our applications and reapplied on June 25th, without receiving the GCMS notes.
The notes finally came on July 23rd and I saw that there wasn’t confidence that, despite the robust finances, my school fees and our living expenses would be sorted. So, my guess, about the reason for refusal, was accurate.
Application Timeline
Submission – June 25th 2024 with Biometrics updated immediately for Me and First Child.
Husband’s UCI and Biometrics updated – July 3rd 2024
PPR for everyone – July 25th 2024


Letters of Explanation
My LOE explained the educational and career progressions that led me to the particular Master’s degree. It also explained why I wanted to be with my family during that journey. I mentioned that the 2 Americans would also be travelling with me, so pof was for 6 people. Documents were attached to show that claims of education and profession were accurate. WES verifications and IELTS results were included in these. I also mentioned an extensive travel history and haven never defaulted on any visas.

My husband’s Reason for Travel, detailed his career and qualifications and explained that he does not have any immediate plans to resign his job and move to Canada, for the duration of my studies. The application for the SOWP was to take advantage of any solid opportunities, for work, that may come up for him, in Canada, while I am there, as this would enable us all be together. His extensive travel history was mentioned, as well as non default on any previous visas.
In his LOE, documents were attached that proved the accuracy of the claims on his Reason for Travel. WES verifications and IELTS results were included in these.

My first child’s LOE explained that studying in Canada was so she could get the kind of education that would make her secondary goals easier to attain. She got into a competitive course, in one of Canada’s highly ranked schools and it is a precursor to her intended second degree and subsequent career. The LOE delved into that.

as the principal applicant in a Master’s degree, I did not require a PAL, so I answered “no” to that question. as a result, there was no special place to attach my daughter’s. To make sure it was not missed, I merged it with her offer letter and uploaded together. I also did the same with her LOE before uploading. So, her PAL was uploaded as a part of two separate attachments.
She is a minor, but did not require the Custodian Declaration form, as I would be there with her. We would be attending the same school in September, as well, albeit different faculties.

I did not include any LOE for my 2nd child. I only filled his forms, including the optional one that applied for a TRV.

Proof Of Funds for 6
- First year fees were fully paid for 1st child’s undergraduate degree. Receipts of a little over 35k CAD, from the school, were submitted for both applications.
- For the first application, I submitted only the receipt for my acceptance deposit. The school did not require that I pay more than that and because the money was in an investment account, I did not want to pull it out. For the second application, my Master’s degree was fully paid for, with funds from another account, not submitted. The receipt of a little over 65k CAD, from the school, was submitted, which detailed both payments.
- I submitted the Investment Advice letter received from CIBC, for a GIC of 50k CAD, in my name. I did this only during the second application.
- A USD investment account, co-owned by me and my husband, with funds that can be moved within 48 hours. This was the most significant pof, so the statement of account was from inception of the account and ran for over 4 years, to make it clear that the funds had been available for a long time and that there were no sudden deposits that inflated the figures. All the deposits, into the account, within the last year, were quite significant. So, I made sure to explain them, with proof of sources of fund. A reference letter was attached from the investment house, to back up the SOA. At the time of the second application, the money was less, as the money for the GIC came from this account. I explained that it took just 48 hours to conclude that transaction and that there was no fear about a subsequent withdrawal not being as fast. This account had almost 65k USD left in it, after the GIC payment.
- Statement of account for my husband’s USD account, in a Nigerian bank, for a period of over a year. There had been no transactions in that account for five months, hence the need to show something more comprehensive.
- My husband’s pension fund statement of account, that showed that he could access 25% of the funds, if unemployed for 4 months. That 25% was a significant amount, hence my reason to attach this SOA.
- For the first application, I did not include any of my personal accounts, as fees had been paid from there, so there were a lot of transactions on them that I didn’t want to bother with explaining. For the second application, I included a six-month account statement of my Bank of America account and explained sources of funds in that account.
*** I also mentioned that I would be selling a car, in my name, as soon as the visa came out, in order to buy another in Canada. I included the documents of that car and gave an estimate of the expected sale value. However, I did not include this value while providing a total for the pof.
*** Since the first year of my child’s fees had been fully paid and all of mine were fully paid, the funds in all the accounts and the GIC covered:
- Required pof for 6, for a year, as seen on IRCC website.
- Funds for return tickets. I attached screenshots of one-way ticket prices for the six of us, from KLM, for our intended travel date and simply multiplied it by 2.
- Second year fees for 1st child’s undergraduate degree.
- More than the required funds for a second year of required pof for a family of 6.

Home Ties
- Our home, with recent valuation documents, in both our names, included.
- I mentioned my aged mum and told a story around her current circumstances.
- Car documents (not the one I had mentioned that would be sold) Whether, that was important or not, I have no clue.
- My husband’s job role is very significant and his LOA stated that he had no intention of resigning from that. He stated that if searched and he didn’t get a job similar to what he currently had, he wouldn’t be moving to Canada.

Because I was applying for the SOWP, I was able to use the IRCC Secure Account (GCKey) to apply and was able to upload documents up to 4MB.
I used the website ilovepdf to merge and sometimes, compress my merged documents.

I would say that the most significant part of this experience for me, was knowing that this was what God wanted for us, so I was willing to do my part in bringing that to life. So, besides dotting all your i's and crossing all your t’s, commit it all to God and at the right time, it would happen, if He wills it.
However you can, show significant financial commitment to the process.
No matter what stories you tell in your Letters of Explanation, provide verifiable documents to back them up.
God’s grace to all those still waiting. May Canada be good to us all, in Jesus Name, Amen.

congratulations, I tap from this blessing

Congrats

Bejewelled:
This is a long read, but I am being as detailed as possible, because I know how helpful it was, reading other detailed accounts, here.
We are a family of 6, but only 4 members of the family were on the application, as the other 2 are American citizens.
4 Members of family on application
Me – Study permit for a Master's degree
Husband – SOWP
1st Child – Study permit for an Undergraduate degree
2nd Child – Study permit for High School

Application Timeline
Upfront Medical – April 5th 2024
Submission – May 16th 2024
Biometrics for Me and First Child - May 20th 2024. Updated on portal, same day.
Second Child was exempted from giving biometric information.
My husband’s BIL was not sent same time as ours. I also noticed that he had no UCI. I sent a webform about both issues, on the morning of May 29th and he received his BIL that same night. His profile also got assigned a UCI.
Biometrics for Husband – May 30th. Updated on portal same day.
Medical updated to passed for everyone: June 15th
Applications denied - June 15th.
Reason: Your assets and financial situation are insufficient to support the stated purpose of travel for yourself (and any accompanying family member(s), if applicable.
I applied for GCMS notes minutes after I got the email, but I suspected that the reason for the denial was because my school fees were not paid. I figured that the lack of significant commitment to the school could have been the reason, as there was more than enough money, with clear sources, to cover everyone on the application. I was happy that the reason for the denial was only financial, so I figured that doing more to show financial commitment would help. So, I made some adjustments to our applications and reapplied on June 25th, without receiving the GCMS notes.
The notes finally came on July 23rd and I saw that there wasn’t confidence that, despite the robust finances, my school fees and our living expenses would be sorted. So, my guess, about the reason for refusal, was accurate.
Application Timeline
Submission – June 25th 2024 with Biometrics updated immediately for Me and First Child.
Husband’s UCI and Biometrics updated – July 3rd 2024
PPR for everyone – July 25th 2024


Letters of Explanation
My LOE explained the educational and career progressions that led me to the particular Master’s degree. It also explained why I wanted to be with my family during that journey. I mentioned that the 2 Americans would also be travelling with me, so pof was for 6 people. Documents were attached to show that claims of education and profession were accurate. WES verifications and IELTS results were included in these. I also mentioned an extensive travel history and haven never defaulted on any visas.

My husband’s Reason for Travel, detailed his career and qualifications and explained that he does not have any immediate plans to resign his job and move to Canada, for the duration of my studies. The application for the SOWP was to take advantage of any solid opportunities, for work, that may come up for him, in Canada, while I am there, as this would enable us all be together. His extensive travel history was mentioned, as well as non default on any previous visas.
In his LOE, documents were attached that proved the accuracy of the claims on his Reason for Travel. WES verifications and IELTS results were included in these.

My first child’s LOE explained that studying in Canada was so she could get the kind of education that would make her secondary goals easier to attain. She got into a competitive course, in one of Canada’s highly ranked schools and it is a precursor to her intended second degree and subsequent career. The LOE delved into that.

as the principal applicant in a Master’s degree, I did not require a PAL, so I answered “no” to that question. as a result, there was no special place to attach my daughter’s. To make sure it was not missed, I merged it with her offer letter and uploaded together. I also did the same with her LOE before uploading. So, her PAL was uploaded as a part of two separate attachments.
She is a minor, but did not require the Custodian Declaration form, as I would be there with her. We would be attending the same school in September, as well, albeit different faculties.

I did not include any LOE for my 2nd child. I only filled his forms, including the optional one that applied for a TRV.

Proof Of Funds for 6
- First year fees were fully paid for 1st child’s undergraduate degree. Receipts of a little over 35k CAD, from the school, were submitted for both applications.
- For the first application, I submitted only the receipt for my acceptance deposit. The school did not require that I pay more than that and because the money was in an investment account, I did not want to pull it out. For the second application, my Master’s degree was fully paid for, with funds from another account, not submitted. The receipt of a little over 65k CAD, from the school, was submitted, which detailed both payments.
- I submitted the Investment Advice letter received from CIBC, for a GIC of 50k CAD, in my name. I did this only during the second application.
- A USD investment account, co-owned by me and my husband, with funds that can be moved within 48 hours. This was the most significant pof, so the statement of account was from inception of the account and ran for over 4 years, to make it clear that the funds had been available for a long time and that there were no sudden deposits that inflated the figures. All the deposits, into the account, within the last year, were quite significant. So, I made sure to explain them, with proof of sources of fund. A reference letter was attached from the investment house, to back up the SOA. At the time of the second application, the money was less, as the money for the GIC came from this account. I explained that it took just 48 hours to conclude that transaction and that there was no fear about a subsequent withdrawal not being as fast. This account had almost 65k USD left in it, after the GIC payment.
- Statement of account for my husband’s USD account, in a Nigerian bank, for a period of over a year. There had been no transactions in that account for five months, hence the need to show something more comprehensive.
- My husband’s pension fund statement of account, that showed that he could access 25% of the funds, if unemployed for 4 months. That 25% was a significant amount, hence my reason to attach this SOA.
- For the first application, I did not include any of my personal accounts, as fees had been paid from there, so there were a lot of transactions on them that I didn’t want to bother with explaining. For the second application, I included a six-month account statement of my Bank of America account and explained sources of funds in that account.
*** I also mentioned that I would be selling a car, in my name, as soon as the visa came out, in order to buy another in Canada. I included the documents of that car and gave an estimate of the expected sale value. However, I did not include this value while providing a total for the pof.
*** Since the first year of my child’s fees had been fully paid and all of mine were fully paid, the funds in all the accounts and the GIC covered:
- Required pof for 6, for a year, as seen on IRCC website.
- Funds for return tickets. I attached screenshots of one-way ticket prices for the six of us, from KLM, for our intended travel date and simply multiplied it by 2.
- Second year fees for 1st child’s undergraduate degree.
- More than the required funds for a second year of required pof for a family of 6.

Home Ties
- Our home, with recent valuation documents, in both our names, included.
- I mentioned my aged mum and told a story around her current circumstances.
- Car documents (not the one I had mentioned that would be sold) Whether, that was important or not, I have no clue.
- My husband’s job role is very significant and his LOA stated that he had no intention of resigning from that. He stated that if searched and he didn’t get a job similar to what he currently had, he wouldn’t be moving to Canada.

Because I was applying for the SOWP, I was able to use the IRCC Secure Account (GCKey) to apply and was able to upload documents up to 4MB.
I used the website ilovepdf to merge and sometimes, compress my merged documents.

I would say that the most significant part of this experience for me, was knowing that this was what God wanted for us, so I was willing to do my part in bringing that to life. So, besides dotting all your i's and crossing all your t’s, commit it all to God and at the right time, it would happen, if He wills it.
However you can, show significant financial commitment to the process.
No matter what stories you tell in your Letters of Explanation, provide verifiable documents to back them up.
God’s grace to all those still waiting. May Canada be good to us all, in Jesus Name, Amen.

This is a long read, but I am being as detailed as possible, because I know how helpful it was, reading other detailed accounts, here.
We are a family of 6, but only 4 members of the family were on the application, as the other 2 are American citizens.
4 Members of family on application
Me – Study permit for a Master's degree
Husband – SOWP
1st Child – Study permit for an Undergraduate degree
2nd Child – Study permit for High School

Application Timeline
Upfront Medical – April 5th 2024
Submission – May 16th 2024
Biometrics for Me and First Child - May 20th 2024. Updated on portal, same day.
Second Child was exempted from giving biometric information.
My husband’s BIL was not sent same time as ours. I also noticed that he had no UCI. I sent a webform about both issues, on the morning of May 29th and he received his BIL that same night. His profile also got assigned a UCI.
Biometrics for Husband – May 30th. Updated on portal same day.
Medical updated to passed for everyone: June 15th
Applications denied - June 15th.
Reason: Your assets and financial situation are insufficient to support the stated purpose of travel for yourself (and any accompanying family member(s), if applicable.
I applied for GCMS notes minutes after I got the email, but I suspected that the reason for the denial was because my school fees were not paid. I figured that the lack of significant commitment to the school could have been the reason, as there was more than enough money, with clear sources, to cover everyone on the application. I was happy that the reason for the denial was only financial, so I figured that doing more to show financial commitment would help. So, I made some adjustments to our applications and reapplied on June 25th, without receiving the GCMS notes.
The notes finally came on July 23rd and I saw that there wasn’t confidence that, despite the robust finances, my school fees and our living expenses would be sorted. So, my guess, about the reason for refusal, was accurate.
Application Timeline
Submission – June 25th 2024 with Biometrics updated immediately for Me and First Child.
Husband’s UCI and Biometrics updated – July 3rd 2024
PPR for everyone – July 25th 2024


Letters of Explanation
My LOE explained the educational and career progressions that led me to the particular Master’s degree. It also explained why I wanted to be with my family during that journey. I mentioned that the 2 Americans would also be travelling with me, so pof was for 6 people. Documents were attached to show that claims of education and profession were accurate. WES verifications and IELTS results were included in these. I also mentioned an extensive travel history and haven never defaulted on any visas.

My husband’s Reason for Travel, detailed his career and qualifications and explained that he does not have any immediate plans to resign his job and move to Canada, for the duration of my studies. The application for the SOWP was to take advantage of any solid opportunities, for work, that may come up for him, in Canada, while I am there, as this would enable us all be together. His extensive travel history was mentioned, as well as non default on any previous visas.
In his LOE, documents were attached that proved the accuracy of the claims on his Reason for Travel. WES verifications and IELTS results were included in these.

My first child’s LOE explained that studying in Canada was so she could get the kind of education that would make her secondary goals easier to attain. She got into a competitive course, in one of Canada’s highly ranked schools and it is a precursor to her intended second degree and subsequent career. The LOE delved into that.

as the principal applicant in a Master’s degree, I did not require a PAL, so I answered “no” to that question. as a result, there was no special place to attach my daughter’s. To make sure it was not missed, I merged it with her offer letter and uploaded together. I also did the same with her LOE before uploading. So, her PAL was uploaded as a part of two separate attachments.
She is a minor, but did not require the Custodian Declaration form, as I would be there with her. We would be attending the same school in September, as well, albeit different faculties.

I did not include any LOE for my 2nd child. I only filled his forms, including the optional one that applied for a TRV.

Proof Of Funds for 6
- First year fees were fully paid for 1st child’s undergraduate degree. Receipts of a little over 35k CAD, from the school, were submitted for both applications.
- For the first application, I submitted only the receipt for my acceptance deposit. The school did not require that I pay more than that and because the money was in an investment account, I did not want to pull it out. For the second application, my Master’s degree was fully paid for, with funds from another account, not submitted. The receipt of a little over 65k CAD, from the school, was submitted, which detailed both payments.
- I submitted the Investment Advice letter received from CIBC, for a GIC of 50k CAD, in my name. I did this only during the second application.
- A USD investment account, co-owned by me and my husband, with funds that can be moved within 48 hours. This was the most significant pof, so the statement of account was from inception of the account and ran for over 4 years, to make it clear that the funds had been available for a long time and that there were no sudden deposits that inflated the figures. All the deposits, into the account, within the last year, were quite significant. So, I made sure to explain them, with proof of sources of fund. A reference letter was attached from the investment house, to back up the SOA. At the time of the second application, the money was less, as the money for the GIC came from this account. I explained that it took just 48 hours to conclude that transaction and that there was no fear about a subsequent withdrawal not being as fast. This account had almost 65k USD left in it, after the GIC payment.
- Statement of account for my husband’s USD account, in a Nigerian bank, for a period of over a year. There had been no transactions in that account for five months, hence the need to show something more comprehensive.
- My husband’s pension fund statement of account, that showed that he could access 25% of the funds, if unemployed for 4 months. That 25% was a significant amount, hence my reason to attach this SOA.
- For the first application, I did not include any of my personal accounts, as fees had been paid from there, so there were a lot of transactions on them that I didn’t want to bother with explaining. For the second application, I included a six-month account statement of my Bank of America account and explained sources of funds in that account.
*** I also mentioned that I would be selling a car, in my name, as soon as the visa came out, in order to buy another in Canada. I included the documents of that car and gave an estimate of the expected sale value. However, I did not include this value while providing a total for the pof.
*** Since the first year of my child’s fees had been fully paid and all of mine were fully paid, the funds in all the accounts and the GIC covered:
- Required pof for 6, for a year, as seen on IRCC website.
- Funds for return tickets. I attached screenshots of one-way ticket prices for the six of us, from KLM, for our intended travel date and simply multiplied it by 2.
- Second year fees for 1st child’s undergraduate degree.
- More than the required funds for a second year of required pof for a family of 6.

Home Ties
- Our home, with recent valuation documents, in both our names, included.
- I mentioned my aged mum and told a story around her current circumstances.
- Car documents (not the one I had mentioned that would be sold) Whether, that was important or not, I have no clue.
- My husband’s job role is very significant and his LOA stated that he had no intention of resigning from that. He stated that if searched and he didn’t get a job similar to what he currently had, he wouldn’t be moving to Canada.

Because I was applying for the SOWP, I was able to use the IRCC Secure Account (GCKey) to apply and was able to upload documents up to 4MB.
I used the website ilovepdf to merge and sometimes, compress my merged documents.

I would say that the most significant part of this experience for me, was knowing that this was what God wanted for us, so I was willing to do my part in bringing that to life. So, besides dotting all your i's and crossing all your t’s, commit it all to God and at the right time, it would happen, if He wills it.
However you can, show significant financial commitment to the process.
No matter what stories you tell in your Letters of Explanation, provide verifiable documents to back them up.
God’s grace to all those still waiting. May Canada be good to us all, in Jesus Name, Amen.

Ways you can proof the funds, letter of retirement, ensure to attached his SOA to show that he is receiving pension.

Kimhills:
Hi, good evening house
My Dad is acting as my sponsor for my application, my uncle deposited 40m as pof , pls how can I proof the fund. He doesn’t have a business , he has been a pensioneer for over 20yrs.
Pls my question is
How can I proof that the money is from his pension? What supporting documents can I add to back it up? Pls your suggestions will be very much appreciated

Hi, good evening house
My Dad is acting as my sponsor for my application, my uncle deposited 40m as pof , pls how can I proof the fund. He doesn’t have a business , he has been a pensioneer for over 20yrs.
Pls my question is
How can I proof that the money is from his pension? What supporting documents can I add to back it up? Pls your suggestions will be very much appreciated

Thank you, there is no need to liquidate the assets, our case was different because the application took so long and I feel the VO needed to confirm if the funds were readily available, the reason for the request. so if what you are showing as pof as at submission covers your living expenses and tuition, there's no need to liquidate any investment.

NicoleThelma:
Congratulations!! May God’s name be praised!

Please I would like to ask if it was really necessary to liquidate your assets.
My sponsor has like quarter of the money for living expenses in his naira account and also dollar account(we’ve already paid 50% of the fees) . But he has some assets like treasury bills, bonds, huge pension and also tenancy agreements to prove that he gets incomes monthly from being landlords in different places.

Is this enough to prove the fund? as he’s not willing to start liquidating his assets but he’s willing to share all these certificate of assets with me. The sponsor is my father btw.
God bless you as you respond.

Congratulations!! May God’s name be praised!

Please I would like to ask if it was really necessary to liquidate your assets.
My sponsor has like quarter of the money for living expenses in his naira account and also dollar account(we’ve already paid 50% of the fees) . But he has some assets like treasury bills, bonds, huge pension and also tenancy agreements to prove that he gets incomes monthly from being landlords in different places.

Is this enough to prove the fund? as he’s not willing to start liquidating his assets but he’s willing to share all these certificate of assets with me. The sponsor is my father btw.
God bless you as you respond.

Eraytee:
PPR gist

Let me start by giving God all the glory, thanks to everyone here. Special thanks to @JMG12 for always responding to my inquiry here. I was the one that put everything together for my spouse application.

We submitted the application on the 19th December 2023, upfront medical done on 17th February 2024, medical passed on 27th February. We got request for statement of earning via MBS on the 11th April 2024.

We invested our pof after submitting the application. We liquidated the investment immediately after we got the request and we submitted MBS on the 17th April.

PPR came in today 23rd April (exactly 18 weeks). Thank you all , I wish everyone expecting PPR success in the remaining part of the application, it will come through.

NB: ppr is a birthday gift for me and spouse exactly a week to our birthdays (30th April and 1st May respectively). God did it!!!

Hello house,

I have receieved NOI from OINP for French.

So my questions are:
1)What are the next steps?
2)What documents need i supply?
3)Can i pay for the fees using someone else’s card as mine only has the exact amount required for pof.
4)Is biodata page of passport enough for identification or do i also need birth certificate?
5)My spouse did not do WES or IELTS, will that be a problem as i qualified for the draw even without his WES and IELTS
6)How long does the processing take?
7)I changed my job and now using a different NOC code with a different TEER (before was teer 1 and now TEER 3) will that be a problem? Note that the qualifying requirements are french nclc 7 and teer 0,1,2 or 3.
8.)Lastly i had submitted SINP, NB virtual recruitment and Quebec Arimma profile. I know that i must withdraw all applications but at what point do i do this? Before applying for OINP or after receiving nomination?
9) I have simultaneously received interest from Quebec, i assume the Quebec process is more complex with regards to ECA, i dont know how to go about it. Please advise if i should select accept OINP and withdraw from Arimma or maintain Arimma and leave OINP as the application fee is hefty.
10) Can i use pension fund contributions as part of pof? If yes must i keep it in the fund and use LOE or must i transfer to my account and again use LOE to explain the lumpsum amount.
11) The draw was conducted as I was inbetween my former job and my new job. Does that make me ineligible? If I submit with the new job and different tree. Will OINP consider my eligibility at the time of draw or at the time of submission of application? (For better clarity I was in my former job for 5yrs and then was sacked and now I have a new job for which I am to start on 22nd Jan and draw was conducted on 18th Jan at which time I had not yet signed the new contract. )


I would like the least complicated route (between OINP or Quebec) and i am also humbly requesting assistance/guidance for OINP application. If someone could direct me where to find the guidelines or a support group for OINP, i would be grateful. Regardless of all my preferences, i am open to all advice. Thanks in advance

There is a condition for the 25% pension withdrawal and even after fulfilling it (4 months of losing your last job) the money has to be in your account before you can say you have access to it as pof.

pension can only serve as home tie if it's much but cannot be used as proof of fund until they are processed to have the 25% in your account.

Any money you cant cash/access (liquidity) at will like the way you can do to your money in a normal bank account cannot be used as pof.

If you have investment, you have to liquidate them into cash or transfer into your bank account with evidence to show before you can use as pof.

DripDude:
Hello house

Please can 25% of pension, be used for SOWP proof of funds?,

Also is mutual fund statement allowed


Thanks in anticipation of a response

Please how many years course is she going for?

nonnyp4c:
PPR alert for my wife today
First time applicant
Application submitted: 11th September
Biometric updated : 14th September
Upfront medical updated to pass : 26th September
Visa approved: 20th October

Used pof of 12M for her. Liquidated from my stanbic mutual fund account into my bank savings account and account statement printed next day.
Tuition is 18K
Paid 10K

Documents submitted
My 6months pay slip
Letter of introduction from my employer
Marriage certificate
pension statement
Letter of sponsorship
I also attached 6 months of my investment account statement after redemption
Transferred 500k to her account and printed statement the next day
Landed property docs
CAC docs
Children school report sheet
Transcript
Degree cert
WAEC results
Duolingo test result
Work ID

Congratulations to both of you.

Do you hope that she will bring your children in the nearest future? If yes, what documents did you submit to that effect?

nonnyp4c:
PPR alert for my wife today
First time applicant
Application submitted: 11th September
Biometric updated : 14th September
Upfront medical updated to pass : 26th September
Visa approved: 20th October

Used pof of 12M for her. Liquidated from my stanbic mutual fund account into my bank savings account and account statement printed next day.
Tuition is 18K
Paid 10K

Documents submitted
My 6months pay slip
Letter of introduction from my employer
Marriage certificate
pension statement
Letter of sponsorship
I also attached 6 months of my investment account statement after redemption
Transferred 500k to her account and printed statement the next day
Landed property docs
CAC docs
Children school report sheet
Transcript
Degree cert
WAEC results
Duolingo test result
Work ID

PPR alert for my wife today
First time applicant
Application submitted: 11th September
Biometric updated : 14th September
Upfront medical updated to pass : 26th September
Visa approved: 20th October

Used pof of 12M for her. Liquidated from my stanbic mutual fund account into my bank savings account and account statement printed next day.
Tuition is 18K
Paid 10K

Documents submitted
My 6months pay slip
Letter of introduction from my employer
Marriage certificate
pension statement
Letter of sponsorship
I also attached 6 months of my investment account statement after redemption
Transferred 500k to her account and printed statement the next day
Landed property docs
CAC docs
Children school report sheet
Transcript
Degree cert
WAEC results
Duolingo test result
Work ID

Vinesta09:
Also, can one use pension fund statement as pof?

I was told yes from those that have used it . But you must get a letter from your pension trust fund that you have access to 25% of the funds when you resign.

So you can only add 25% of it to your pof

I hope this helps

Also, can one use pension fund statement as pof?

Also can one use pension fund statement as pof?

Ogidigan1:
PPR ALERT!!! (Long post)
MY PROFILE:
I am a 40-year old self-sponsored applicant.
Over 12 years experience in oil & gas engineering.
Sources of fund: Full time employment in oil and gas engineering + Private business + Real estate.
I applied alone (used immediate family members as home ties).
Other home ties: Study leave approval + landed property and buildings + personal business + cars + pension.
Travel history : 3 African countries + 1 middle east country.
DLI: Uottawa (Masters prog).
Study plan: career advancement from Snr. Engineer to Engineering manager (Note: my 1st degree was in engineering).
1st APPLICATION:
1st application submitted June 13th 2022.
Biometrics: June 16th 2022.
Upfront medicals: July 29th , 2022.
pof: $48,000CAD in personal savings account + Paid 1st year full tuition of $19,000 CAD and 10,000CAD GIC.
1st application refused 19th Oct 2022.
Ordered CBSA and GCMS notes: 25th October 2022.
Refusal reasons: (1.) Insufficient documentation for source of funds as earnings were not commensurate with declared savings. (2.) proposed study not a reasonable expense given the high cost of intl studies and funds available.
2nd APPLICATION:
2nd application submitted 1st Dec 2022.
pof: $71,000CAD in personal savings account + Paid 1st year full tuition of $19,000 CAD and 10,000CAD GIC.
HOW I ADDRESSED MY PREVIOUS REFUSAL: Honestly, the VO was correct about the fact that my monthly earnings were not commensurate with savings shown in my account. This was because a lump sum payment for a property sold in 2020 was made into my bank account (over N10m). I attached an excerpt of bank statement showing the transaction date, deed of transfer and land survey docs. I also attached some copies of my previous pay slips and excerpts of bank statement showing salaries and benefits from my previous employers. I also explained my company's plan for expansion and how some employees (including me) have been lined-up for impending management positions. I explained how my salary would triple when I eventually clinch the management opportunity.
GHOST UPDATES: 20th January 2023, 24th January 2023 and 1st February 2023.
Eligibility review started 20th Jan 2023.
Medical passed Feb 8th 2023.
PPR DROPPED FEB 8TH 2023.
DOCUMENTS SUBMITTED (2ND APPLICATION):
LOE (2 pages only) (Straight to the point)
Previous and current job offer letters.
Previous and current payslips and excerpts of bank statements showing some previous and current salaries shown on attached payslips.
Deed of transfer showing landed property sold for NGN15m to a client.
Business registration docs.
Business premises photos.
Family pics.
Wedding pics.
birth certs.
Our intl passports.
Study leave approval letter.
B.eng cert and transcript.
Updated LOA.
Police character cert.
Stamped copies of old passports.
Scanned copies of bank statements + MBS.
Stanbic IBTC pension reference letter showing pension of over 10m.
Vehicle documents and pics worth N8m and N5.5m.
Pics of buildings and deed of transfer for landed property.

I do not want to bore you with too many stories. However, these were the main documents submitted during my application.

SP application nor be by muscle...Na baba God get power...if you like do all the packaging in the world, if it's not your turn, it's not your turn.

But don't forget, visa officers always want to see the following items:

1. Good home ties (e.g wife, children, siblings, parents, personal business, landed property, study leave approval letter etc.).

2. Sufficient and available funding (not fixed deposit or pension).

3. Show sufficient documentation for source of fund.

4. Good study plan. 1 or 2 page SOP/LOE. Explain the benefits of proposed program. Explain why paying the cost of proposed program would be a reasonable expense considering the high cost of intl studies. Show career progression. Get a good convincing story.

5. Straight fwd application.

6. Pay 1st year full tuition (it will boost your chances). Ensure the total amount of money required to complete the proposed program is readily available (plus some extra money).
Finally, I sincerely wish to thank everyone for their contributions on this thread.
Dear Uottawa Fall 2023 folks, pls lets connect.

All glory be to God! See you'all in Canada.

Congratulations. kindly check your DM sir

Congratulations @ Ogidigan 1, I thank God for you and I rejoice with you!!! You are a big man.. the figures you have available are quite intimidating, but as you mentioned it is not by packaging.. and thanks for the hints too. May the land of Canada favour you.

Ogidigan1:
PPR ALERT!!! (Long post)
MY PROFILE:
I am a 40-year old self-sponsored applicant.
Over 12 years experience in oil & gas engineering.
Sources of fund: Full time employment in oil and gas engineering + Private business + Real estate.
I applied alone (used immediate family members as home ties).
Other home ties: Study leave approval + landed property and buildings + personal business + cars + pension.
Travel history : 3 African countries + 1 middle east country.
DLI: Uottawa (Masters prog).
Study plan: career advancement from Snr. Engineer to Engineering manager (Note: my 1st degree was in engineering).
1st APPLICATION:
1st application submitted June 13th 2022.
Biometrics: June 16th 2022.
Upfront medicals: July 29th , 2022.
pof: $48,000CAD in personal savings account + Paid 1st year full tuition of $19,000 CAD and 10,000CAD GIC.
1st application refused 19th Oct 2022.
Ordered CBSA and GCMS notes: 25th October 2022.
Refusal reasons: (1.) Insufficient documentation for source of funds as earnings were not commensurate with declared savings. (2.) proposed study not a reasonable expense given the high cost of intl studies and funds available.
2nd APPLICATION:
2nd application submitted 1st Dec 2022.
pof: $71,000CAD in personal savings account + Paid 1st year full tuition of $19,000 CAD and 10,000CAD GIC.
HOW I ADDRESSED MY PREVIOUS REFUSAL: Honestly, the VO was correct about the fact that my monthly earnings were not commensurate with savings shown in my account. This was because a lump sum payment for a property sold in 2020 was made into my bank account (over N10m). I attached an excerpt of bank statement showing the transaction date, deed of transfer and land survey docs. I also attached some copies of my previous pay slips and excerpts of bank statement showing salaries and benefits from my previous employers. I also explained my company's plan for expansion and how some employees (including me) have been lined-up for impending management positions. I explained how my salary would triple when I eventually clinch the management opportunity.
GHOST UPDATES: 20th January 2023, 24th January 2023 and 1st February 2023.
Eligibility review started 20th Jan 2023.
Medical passed Feb 8th 2023.
PPR DROPPED FEB 8TH 2023.
DOCUMENTS SUBMITTED (2ND APPLICATION):
LOE (2 pages only) (Straight to the point)
Previous and current job offer letters.
Previous and current payslips and excerpts of bank statements showing some previous and current salaries shown on attached payslips.
Deed of transfer showing landed property sold for NGN15m to a client.
Business registration docs.
Business premises photos.
Family pics.
Wedding pics.
birth certs.
Our intl passports.
Study leave approval letter.
B.eng cert and transcript.
Updated LOA.
Police character cert.
Stamped copies of old passports.
Scanned copies of bank statements + MBS.
Stanbic IBTC pension reference letter showing pension of over 10m.
Vehicle documents and pics worth N8m and N5.5m.
Pics of buildings and deed of transfer for landed property.

I do not want to bore you with too many stories. However, these were the main documents submitted during my application.

SP application nor be by muscle...Na baba God get power...if you like do all the packaging in the world, if it's not your turn, it's not your turn.

But don't forget, visa officers always want to see the following items:

1. Good home ties (e.g wife, children, siblings, parents, personal business, landed property, study leave approval letter etc.).

2. Sufficient and available funding (not fixed deposit or pension).

3. Show sufficient documentation for source of fund.

4. Good study plan. 1 or 2 page SOP/LOE. Explain the benefits of proposed program. Explain why paying the cost of proposed program would be a reasonable expense considering the high cost of intl studies. Show career progression. Get a good convincing story.

5. Straight fwd application.

6. Pay 1st year full tuition (it will boost your chances). Ensure the total amount of money required to complete the proposed program is readily available (plus some extra money).
Finally, I sincerely wish to thank everyone for their contributions on this thread.
Dear Uottawa Fall 2023 folks, pls lets connect.

All glory be to God! See you'all in Canada.

PPR ALERT!!! (Long post)
MY PROFILE:
I am a 40-year old self-sponsored applicant.
Over 12 years experience in oil & gas engineering.
Sources of fund: Full time employment in oil and gas engineering + Private business + Real estate.
I applied alone (used immediate family members as home ties).
Other home ties: Study leave approval + landed property and buildings + personal business + cars + pension.
Travel history : 3 African countries + 1 middle east country.
DLI: Uottawa (Masters prog).
Study plan: career advancement from Snr. Engineer to Engineering manager (Note: my 1st degree was in engineering).
1st APPLICATION:
1st application submitted June 13th 2022.
Biometrics: June 16th 2022.
Upfront medicals: July 29th , 2022.
pof: $48,000CAD in personal savings account + Paid 1st year full tuition of $19,000 CAD and 10,000CAD GIC.
1st application refused 19th Oct 2022.
Ordered CBSA and GCMS notes: 25th October 2022.
Refusal reasons: (1.) Insufficient documentation for source of funds as earnings were not commensurate with declared savings. (2.) proposed study not a reasonable expense given the high cost of intl studies and funds available.
2nd APPLICATION:
2nd application submitted 1st Dec 2022.
pof: $71,000CAD in personal savings account + Paid 1st year full tuition of $19,000 CAD and 10,000CAD GIC.
HOW I ADDRESSED MY PREVIOUS REFUSAL: Honestly, the VO was correct about the fact that my monthly earnings were not commensurate with savings shown in my account. This was because a lump sum payment for a property sold in 2020 was made into my bank account (over N10m). I attached an excerpt of bank statement showing the transaction date, deed of transfer and land survey docs. I also attached some copies of my previous pay slips and excerpts of bank statement showing salaries and benefits from my previous employers. I also explained my company's plan for expansion and how some employees (including me) have been lined-up for impending management positions. I explained how my salary would triple when I eventually clinch the management opportunity.
GHOST UPDATES: 20th January 2023, 24th January 2023 and 1st February 2023.
Eligibility review started 20th Jan 2023.
Medical passed Feb 8th 2023.
PPR DROPPED FEB 8TH 2023.
DOCUMENTS SUBMITTED (2ND APPLICATION):
LOE (2 pages only) (Straight to the point)
Previous and current job offer letters.
Previous and current payslips and excerpts of bank statements showing some previous and current salaries shown on attached payslips.
Deed of transfer showing landed property sold for NGN15m to a client.
Business registration docs.
Business premises photos.
Family pics.
Wedding pics.
birth certs.
Our intl passports.
Study leave approval letter.
B.eng cert and transcript.
Updated LOA.
Police character cert.
Stamped copies of old passports.
Scanned copies of bank statements + MBS.
Stanbic IBTC pension reference letter showing pension of over 10m.
Vehicle documents and pics worth N8m and N5.5m.
Pics of buildings and deed of transfer for landed property.

I do not want to bore you with too many stories. However, these were the main documents submitted during my application.

SP application nor be by muscle...Na baba God get power...if you like do all the packaging in the world, if it's not your turn, it's not your turn.

But don't forget, visa officers always want to see the following items:

1. Good home ties (e.g wife, children, siblings, parents, personal business, landed property, study leave approval letter etc.).

2. Sufficient and available funding (not fixed deposit or pension).

3. Show sufficient documentation for source of fund.

4. Good study plan. 1 or 2 page SOP/LOE. Explain the benefits of proposed program. Explain why paying the cost of proposed program would be a reasonable expense considering the high cost of intl studies. Show career progression. Get a good convincing story.

5. Straight fwd application.

6. Pay 1st year full tuition (it will boost your chances). Ensure the total amount of money required to complete the proposed program is readily available (plus some extra money).
Finally, I sincerely wish to thank everyone for their contributions on this thread.
Dear Uottawa Fall 2023 folks, pls lets connect.

All glory be to God! See you'all in Canada.

OLAMINREWA:


Yes, a reference letter and statement of account. Just like regular banks. But I will prefer to classify pension account as home tie instead of pof since it's only a certain % of your savings that can be assessed when one is out of job for some certain months

Hi, I think it depends on how it is explained because during my application I used my pension fund and the % I will get, as an addition to my pof.

gideon19:


if i want to add pension fund to my pof, will i need to request for a letter from my pension fund handler (Using trust fund).

Yes, a reference letter and statement of account. Just like regular banks. But I will prefer to classify pension account as home tie instead of pof since it's only a certain % of your savings that can be assessed when one is out of job for some certain months

Bobomaigida:


So sorry for the refusal, the best thing now is to request for CBSA notes to determine the exact reasons for refusal. That being said, the GRA payment is small for a family of six for a month, then the 10.5mm balance was it built overtime or it was a lump sum payment? The pension fund is also small since only 625K will be available to you. Just quickly request for the notes which will arrive middle of Feb and then you can reapply.

if i want to add pension fund to my pof, will i need to request for a letter from my pension fund handler (Using trust fund).

Thanks for this very great job, resources n insight.
It'll really be of great help n useful for people like us planing to apply as a family.

If I may ask, do you submit a separate SOWP sop letter for the spouse? as this address every question n cover expected suspicions or questions as why you are applying with your family.

olokings:
as a follow up to putting it out there, i will give an expose' to what my profile looked like and how i packaged my application. Long Post alert.

highlights of SOP and tactics for family visa application

start with a good self-introduction: - i prepared a very detailed SOP. this was intentional because i was putting up a family application of myself and 5 accompanying family members, hence what may be usually overlooked at for single applicants / those leaving their family members behind may not necessarily apply to me given i will be subjected to even more scrutiny.
I drafted my SOP with a clear table of contents, i wrote it with a title, sub-titles, and bolden+italics for points i needed to highlight of importance. i started my SOP with an introduction to myself as though a typical job interview [name, DOB, educational background, professional certification, career highlights, etc.] framework (it is an interview in a sense isn't it?) stating what my intent (to apply for a TRV [Study Permit], and my dependents' [Spousal Open Work Permit + Study Permit for kids]. I clearly mentioned the school, program, start & end dates with duration in months. (highlighted the attachment of LOA, Tuition Payment [in my case i deliberately paid full tuition because i needed to demonstrate financial stability since someone who is going with accompanying member should have that logically] with tuition payment acknowledgement from my school

To address the following: Why study in Canada? why not study in Nigeria? What are your educational goals? what will be the impact & value of the program you are going for study in your business / employment / future endeavours when you return to Nigeria? what are you job experience / skills gaps / career experience that warrants or establish the need for the study?
why the specific university / college chosen? - viewed from the lense of facilities, community, infrastructure, etc. : I further went to add a sub-title where i detailed my employment / carrer profile, an opportunity which i leveraged to deliberately tie the proposed post graduate study to my career progress, highlighting the benefits, value proposition, how acquisition of this additional educational credential will place me above my peer in the office, position me for executive, leadership, and management positions, foster my private professional practice to set up consult after my career (see how i am demonstrating what i will do when i return), how credential & skills documentation a very big differentiator in my office. I specifically highlighted that i have embarked on a post secondary study during the course of my professional career (reemphasizing the value proposition) and how my employer acknowledged the additional qualification (attached the letter) and i was able to participate for further promotion few years later (attached a doc. to this effect). I intentionally mentioned my under grad project and how it positioned me to excel at this current study (further arguing why the study).

Then i moved on to sub-title, "Reason for the Study and Choice of *** school Canada". I started with stating how the program aligns with my professional aspirations, skills i will gain, and the credential will demonstrate experience i have gained in the field for the period i have worked. I stated how the program in the specific school is specially designed for reasons given in the school website, how it resonates with my personal goals. I mentioned that i have sought an unpaid study leave from my employer which was granted (doc attached), how the school is well known for excellence in that course, the community is accommodating and encourage easy transition for international students, learning is experiential, not subject to reccurent strikes and industrial action, cultism et al (see what i did there, why canada & not nigeria), how i prefer to use the opportunity to experience the canadian culture, landscape and serenity which i have researched on the net, as it is a great place for families (see what i did there again?, tactically introducing why travelling with family), mentioned passively that i looked at Europe and west africa, however, based on personal reason (some of which i had mentioned) i prefer to pursue the study in *** school, in *** province, in canada. I also mentioned how the changes ongoing in the industry here in Nigeria warrants talents to upskills and develop further in other to be resilient et al... grammar grammar grammer but you get the gist.
i went on to detail the duration, course highlights and how i look forward to excelling with accelerated learning during the study to ensure that i finish with good grades, and on time in order for me and my family to return on **** date back and resume my employment and private freelance practice at home in Nigeria (see what i did there again?)


Now onto the biggest issue, to address What are your home ties? why are you travelling with the family for the study period?- viewed from the lense of Family, Economy, Financial, career prospects, etc. - i sub-titled "Reason for travel with family for study at *** school, province, *** canada: i introduced my spouse, how long we were partners (doc attached), how we are very close and depend on one another for everything (see what i did here, setting the floor why i cannot be without her), highlighted various endeavours we have embarked on together as partners, both academically, professionally, and socially. gave some reasons here and there what we have done to ensure a stable and single unit family, mentioned / introduced our kids all 4 of them, mentioned our property (just one) which we developed together (added property valuation report), and how we love our home. highlighted that we are fully commited to co-parenting, maintaining a single functional family unity for the development of the kids psychologically, emotionally, mentally, academically, etc. because young ones are super impressionable hence we cannot leave them with anyone other than ourselves to raise (see what i did there again, we must do it together & can give them to any one else, appealing to the human nature of the VO tactically). talked about the personal aspiration of my partner. specifically mentioned that i need my family to be physically present with me during the study for emotional support, will provide my partner the opportunity to further pursue her personal goals of self achievement since she will be working whether paid / unpaid to practice skills in a flexible schedule, and i will be happy enough to perform exceptional well academmically (see the idea there now?). i mentioned that i have research *** province, and looked up schools there which fit my kids' educational needs, afterwhich i contacted one and notified them of my intent (attached communique docs, kids passed term results, etc.) and they are ready to accept my kids as soon as we land.

Now, because, my third child (only) was birthed in the US, i mentioned that on *** date, i embarked on family vacation where we had our child (introduced him) in the states, and as a family tradition of witnessing all my kid's birthing, i was present with the siblings. however i highlighted that we ensured that the birthing process was self-pay and in order to ensure that we are not financially indebted to the US govt. we acquired all zero balance receipts for all aspects of the medical procedures (attached everything!!!) after which we returned to Nigeria as soon as the child was cleared for international travel (see what i did there to demonstrate authenticity of return). I further stated that, since i am the primary provider for the family, it will be counterproductive to leave them behind and be sending funds when i am a student with limited working hours myself, hence my resolve to travel with them. I also mentioned that during our stay, the whole family shall be covered by comprehensive insurance to the tune of $****** (attached each persons insure cert), hence we shall not be a burden to the canadian or provincial govt. during the **** months before we return back to nigeria (by now you are seeing the tactics).

in a sub "head proof of home ties" note the flags - i argued that i am employed with **** for *** no. of years (to demonstrate stability), stated my gross annual earnings converted in $CAD which are backed up by paystubs, mentioned the future financial prospects when i return as per promotion at my place of work, stated that my employer although granted me study without pay there is a 100% reabsorbtion rate for study leave returnees, mentioned that i still have over 20yrs of career growth ahead of me hence the motivation to return and continue to climb up the corporate leadership ladder. i also mentioned my financial indebtedness to my bank where i recieve my salaries and how i need to return and reactivate my salaries in order to close out my indebtedness and enjoy my full gratuity and pension when i eventually retire. mentioned when i can access my pension, the physical requirements to process my gratuity (mentioned the amounts), my life insurance (mentioned the amount) which can only kick in if i pass in service and how this secures my family (see the tactic there again, reiterating family commitment). mentioned our jointly built home with value in $CAD. Mentioned my aged mother, & in-laws whom i support financially from time to time whilst specifically highlighting the medical conditions that required routine check up and treatments. mentioned my freelance business practice which just kicked up and how it can grow further with adequate skills documentation, mentioned my professional certifications, small businesses that my partner runs etc.

then i wrapped up with saying how the whole duration for the post study program is one big family vacation & bonding time which will create lasting memories for the kids and my partner which is one of my personal goals after we return on **** date back to Nigeria, hence i have made $CAD****** available for the period to cover tuition and living expenses whether partner works or not (see the closing there right?)

what is your travel history (if your have)? - mention all visa denials with reasons, give one liners to the why you made those travels to demonstrate that you are mostly intentional in all of your ventures. - i talked about all the little little family trips we have taken, both intra&international, even the small ones in my community corner where we have our home (all to demonstrate that we move together and not always without - further burtressing the single family unit mindset). attached each family member travel visa history pages. i mentioned the two denials we have had specifically France in 2014, and USA in 2021 when we wanted to birth our last (4th) child [i was intentional with this because we were interview for medical tourism and denied based on eligibility not met, so if i am not upfront with this, and during info sharing, USA agency flags this, i may be seen as misrepresenting / lieing, so be tactful].

Now onto the mother of them all---- what is your proof of means of financial support (pof)? - state amounts to show tuition + living expense (for full duration of program) + miscelleanous expense + buffer + flight ticket (return). mention any and all spikes in your transactions (lump sums), mention any loan obligations shown as deductions in your accounts (you can even use them as home ties) --- I started with stating that i and my wife will be co-sponsoring this initiative and attached our ONE YEAR bank statements (MBS). stated the source of funds as salary, consulting commissions, partner's sales income, employee emoluments, and other personal excesses.
Explained every LUMP SUM (excess of N1m creditted into the account, even employer payments) with verifiable evidences and refernce.
Now you need to note that the whole money used for pof was credited into the account exactly 9 days before i submitted my application, and the account was less than N100K worth before then. so what did i do, i didnt pay my tuition from my account, instead i took a loan from a lender, had them pay the money into a colleagues account, and have him process Form A to pay my full tuition for me. I added the tuition receipt and included the cost in my pof. then, i had a couple of projects i was developing for my employer which they paid to me, (altough that money was to be expended to other team beneficiary by me) i held the money for 3 weeks after applying then disbursed. by the time i disbursed, the account went back to less than N4m which i further disbursed into my crypto wallet. And yes, i used my crypto wallet value as part of my pof. i simply screenshot my crypto portfolio, my profile page, trade history, crypto platform's email confirmation of trades, email confirmation of credit & debit alerts into & out of my personal account based on crypto trade.
Then i prepared a table showing our financial plan for the *** period of stay in *** province, in canada
i started with stating how much our total pof is $CAD85,000.00 required for all 6 of us.
aspects of the table includes; program tuition, one year cost of living, extra months remaining cost of living, miscellaneous, flight tickets (return). total the full expense costs. Added a line for amounts paid (tuition), and calculated the outstanding expendition. Added a line for Cash in Bank (pof) in $CAD, and another line for guaranteed future receipts/income, and another line for fund reserves based on digital crypto wallet in $CAD. i quoted this because i didnt want it to be that we are spending the whole of our life savings on study trip.
I added a remarks under the table that i converted the Naira to $CAD at CBN rate, but i converted monies in the Dorm accounts to Naira at prevailing black market rates of US$1 - N580 because using this rates will boost the monies.
Then i closed up by saying that the amounts will enable my whole famliy to comfortably live in *** province even if my partner and i didnt work, considering also the fact that i have paid my full tuition (with attached receipt) for the program.

I further added a sub-title were i use bullet points to explained each lump sumps for the one year period, and clarified all my funding sources.

i added a sub-title where i listed all documents attached to the application as categorised.

then i went on to Criminality Background Check, Conclusion, and Prayer: - i stated that during the stay in canada, i and my family will be at ***** province, for ** months starting from *** data to *** date after which we will return to Nigeria on *** specific date to resume my active service with my employer while my partner will return to ***** her personal engagements.

i highlighted that i have a clean record in my home country and place of employ for *** years, and fully commit to conducting myself ethically wherever i am. i further made a commitment statement that i and my family will blah blah blah during our stay and maintain the scope limits of the visas if granted, as well maintain / adhere to any & all governing laws + regulations of canada.

signed my prayers.

PS: also included is letter of sponsorship from my partner to me stating her commitment to co-sponsor this endeavour financially during our stay in the province. i also gave her a co-sponsorship letter doing the same thing in her Letter of Purpose.

caveat: Ayam not a guru / agent / SOP writter / Review. so i will prefer any and all kweshiuns be put up here so the family can collectively attend to it.

na work i no get make me type this epistle as i dey wait make class time reach. lazy man sitdon dey look NL. lol

Best of luck to every one.

olokings:
as a follow up to putting it out there, i will give an expose' to what my profile looked like and how i packaged my application. Long Post alert.

highlights of SOP and tactics for family visa application

start with a good self-introduction: - i prepared a very detailed SOP. this was intentional because i was putting up a family application of myself and 5 accompanying family members, hence what may be usually overlooked at for single applicants / those leaving their family members behind may not necessarily apply to me given i will be subjected to even more scrutiny.
I drafted my SOP with a clear table of contents, i wrote it with a title, sub-titles, and bolden+italics for points i needed to highlight of importance. i started my SOP with an introduction to myself as though a typical job interview [name, DOB, educational background, professional certification, career highlights, etc.] framework (it is an interview in a sense isn't it?) stating what my intent (to apply for a TRV [Study Permit], and my dependents' [Spousal Open Work Permit + Study Permit for kids]. I clearly mentioned the school, program, start & end dates with duration in months. (highlighted the attachment of LOA, Tuition Payment [in my case i deliberately paid full tuition because i needed to demonstrate financial stability since someone who is going with accompanying member should have that logically] with tuition payment acknowledgement from my school

To address the following: Why study in Canada? why not study in Nigeria? What are your educational goals? what will be the impact & value of the program you are going for study in your business / employment / future endeavours when you return to Nigeria? what are you job experience / skills gaps / career experience that warrants or establish the need for the study?
why the specific university / college chosen? - viewed from the lense of facilities, community, infrastructure, etc. : I further went to add a sub-title where i detailed my employment / carrer profile, an opportunity which i leveraged to deliberately tie the proposed post graduate study to my career progress, highlighting the benefits, value proposition, how acquisition of this additional educational credential will place me above my peer in the office, position me for executive, leadership, and management positions, foster my private professional practice to set up consult after my career (see how i am demonstrating what i will do when i return), how credential & skills documentation a very big differentiator in my office. I specifically highlighted that i have embarked on a post secondary study during the course of my professional career (reemphasizing the value proposition) and how my employer acknowledged the additional qualification (attached the letter) and i was able to participate for further promotion few years later (attached a doc. to this effect). I intentionally mentioned my under grad project and how it positioned me to excel at this current study (further arguing why the study).

Then i moved on to sub-title, "Reason for the Study and Choice of *** school Canada". I started with stating how the program aligns with my professional aspirations, skills i will gain, and the credential will demonstrate experience i have gained in the field for the period i have worked. I stated how the program in the specific school is specially designed for reasons given in the school website, how it resonates with my personal goals. I mentioned that i have sought an unpaid study leave from my employer which was granted (doc attached), how the school is well known for excellence in that course, the community is accommodating and encourage easy transition for international students, learning is experiential, not subject to reccurent strikes and industrial action, cultism et al (see what i did there, why canada & not nigeria), how i prefer to use the opportunity to experience the canadian culture, landscape and serenity which i have researched on the net, as it is a great place for families (see what i did there again?, tactically introducing why travelling with family), mentioned passively that i looked at Europe and west africa, however, based on personal reason (some of which i had mentioned) i prefer to pursue the study in *** school, in *** province, in canada. I also mentioned how the changes ongoing in the industry here in Nigeria warrants talents to upskills and develop further in other to be resilient et al... grammar grammar grammer but you get the gist.
i went on to detail the duration, course highlights and how i look forward to excelling with accelerated learning during the study to ensure that i finish with good grades, and on time in order for me and my family to return on **** date back and resume my employment and private freelance practice at home in Nigeria (see what i did there again?)


Now onto the biggest issue, to address What are your home ties? why are you travelling with the family for the study period?- viewed from the lense of Family, Economy, Financial, career prospects, etc. - i sub-titled "Reason for travel with family for study at *** school, province, *** canada: i introduced my spouse, how long we were partners (doc attached), how we are very close and depend on one another for everything (see what i did here, setting the floor why i cannot be without her), highlighted various endeavours we have embarked on together as partners, both academically, professionally, and socially. gave some reasons here and there what we have done to ensure a stable and single unit family, mentioned / introduced our kids all 4 of them, mentioned our property (just one) which we developed together (added property valuation report), and how we love our home. highlighted that we are fully commited to co-parenting, maintaining a single functional family unity for the development of the kids psychologically, emotionally, mentally, academically, etc. because young ones are super impressionable hence we cannot leave them with anyone other than ourselves to raise (see what i did there again, we must do it together & can give them to any one else, appealing to the human nature of the VO tactically). talked about the personal aspiration of my partner. specifically mentioned that i need my family to be physically present with me during the study for emotional support, will provide my partner the opportunity to further pursue her personal goals of self achievement since she will be working whether paid / unpaid to practice skills in a flexible schedule, and i will be happy enough to perform exceptional well academmically (see the idea there now?). i mentioned that i have research *** province, and looked up schools there which fit my kids' educational needs, afterwhich i contacted one and notified them of my intent (attached communique docs, kids passed term results, etc.) and they are ready to accept my kids as soon as we land.

Now, because, my third child (only) was birthed in the US, i mentioned that on *** date, i embarked on family vacation where we had our child (introduced him) in the states, and as a family tradition of witnessing all my kid's birthing, i was present with the siblings. however i highlighted that we ensured that the birthing process was self-pay and in order to ensure that we are not financially indebted to the US govt. we acquired all zero balance receipts for all aspects of the medical procedures (attached everything!!!) after which we returned to Nigeria as soon as the child was cleared for international travel (see what i did there to demonstrate authenticity of return). I further stated that, since i am the primary provider for the family, it will be counterproductive to leave them behind and be sending funds when i am a student with limited working hours myself, hence my resolve to travel with them. I also mentioned that during our stay, the whole family shall be covered by comprehensive insurance to the tune of $****** (attached each persons insure cert), hence we shall not be a burden to the canadian or provincial govt. during the **** months before we return back to nigeria (by now you are seeing the tactics).

in a sub "head proof of home ties" note the flags - i argued that i am employed with **** for *** no. of years (to demonstrate stability), stated my gross annual earnings converted in $CAD which are backed up by paystubs, mentioned the future financial prospects when i return as per promotion at my place of work, stated that my employer although granted me study without pay there is a 100% reabsorbtion rate for study leave returnees, mentioned that i still have over 20yrs of career growth ahead of me hence the motivation to return and continue to climb up the corporate leadership ladder. i also mentioned my financial indebtedness to my bank where i recieve my salaries and how i need to return and reactivate my salaries in order to close out my indebtedness and enjoy my full gratuity and pension when i eventually retire. mentioned when i can access my pension, the physical requirements to process my gratuity (mentioned the amounts), my life insurance (mentioned the amount) which can only kick in if i pass in service and how this secures my family (see the tactic there again, reiterating family commitment). mentioned our jointly built home with value in $CAD. Mentioned my aged mother, & in-laws whom i support financially from time to time whilst specifically highlighting the medical conditions that required routine check up and treatments. mentioned my freelance business practice which just kicked up and how it can grow further with adequate skills documentation, mentioned my professional certifications, small businesses that my partner runs etc.

then i wrapped up with saying how the whole duration for the post study program is one big family vacation & bonding time which will create lasting memories for the kids and my partner which is one of my personal goals after we return on **** date back to Nigeria, hence i have made $CAD****** available for the period to cover tuition and living expenses whether partner works or not (see the closing there right?)

what is your travel history (if your have)? - mention all visa denials with reasons, give one liners to the why you made those travels to demonstrate that you are mostly intentional in all of your ventures. - i talked about all the little little family trips we have taken, both intra&international, even the small ones in my community corner where we have our home (all to demonstrate that we move together and not always without - further burtressing the single family unit mindset). attached each family member travel visa history pages. i mentioned the two denials we have had specifically France in 2014, and USA in 2021 when we wanted to birth our last (4th) child [i was intentional with this because we were interview for medical tourism and denied based on eligibility not met, so if i am not upfront with this, and during info sharing, USA agency flags this, i may be seen as misrepresenting / lieing, so be tactful].

Now onto the mother of them all---- what is your proof of means of financial support (pof)? - state amounts to show tuition + living expense (for full duration of program) + miscelleanous expense + buffer + flight ticket (return). mention any and all spikes in your transactions (lump sums), mention any loan obligations shown as deductions in your accounts (you can even use them as home ties) --- I started with stating that i and my wife will be co-sponsoring this initiative and attached our ONE YEAR bank statements (MBS). stated the source of funds as salary, consulting commissions, partner's sales income, employee emoluments, and other personal excesses.
Explained every LUMP SUM (excess of N1m creditted into the account, even employer payments) with verifiable evidences and refernce.
Now you need to note that the whole money used for pof was credited into the account exactly 9 days before i submitted my application, and the account was less than N100K worth before then. so what did i do, i didnt pay my tuition from my account, instead i took a loan from a lender, had them pay the money into a colleagues account, and have him process Form A to pay my full tuition for me. I added the tuition receipt and included the cost in my pof. then, i had a couple of projects i was developing for my employer which they paid to me, (altough that money was to be expended to other team beneficiary by me) i held the money for 3 weeks after applying then disbursed. by the time i disbursed, the account went back to less than N4m which i further disbursed into my crypto wallet. And yes, i used my crypto wallet value as part of my pof. i simply screenshot my crypto portfolio, my profile page, trade history, crypto platform's email confirmation of trades, email confirmation of credit & debit alerts into & out of my personal account based on crypto trade.
Then i prepared a table showing our financial plan for the *** period of stay in *** province, in canada
i started with stating how much our total pof is $CAD85,000.00 required for all 6 of us.
aspects of the table includes; program tuition, one year cost of living, extra months remaining cost of living, miscellaneous, flight tickets (return). total the full expense costs. Added a line for amounts paid (tuition), and calculated the outstanding expendition. Added a line for Cash in Bank (pof) in $CAD, and another line for guaranteed future receipts/income, and another line for fund reserves based on digital crypto wallet in $CAD. i quoted this because i didnt want it to be that we are spending the whole of our life savings on study trip.
I added a remarks under the table that i converted the Naira to $CAD at CBN rate, but i converted monies in the Dorm accounts to Naira at prevailing black market rates of US$1 - N580 because using this rates will boost the monies.
Then i closed up by saying that the amounts will enable my whole famliy to comfortably live in *** province even if my partner and i didnt work, considering also the fact that i have paid my full tuition (with attached receipt) for the program.

I further added a sub-title were i use bullet points to explained each lump sumps for the one year period, and clarified all my funding sources.

i added a sub-title where i listed all documents attached to the application as categorised.

then i went on to Criminality Background Check, Conclusion, and Prayer: - i stated that during the stay in canada, i and my family will be at ***** province, for ** months starting from *** data to *** date after which we will return to Nigeria on *** specific date to resume my active service with my employer while my partner will return to ***** her personal engagements.

i highlighted that i have a clean record in my home country and place of employ for *** years, and fully commit to conducting myself ethically wherever i am. i further made a commitment statement that i and my family will blah blah blah during our stay and maintain the scope limits of the visas if granted, as well maintain / adhere to any & all governing laws + regulations of canada.

signed my prayers.

PS: also included is letter of sponsorship from my partner to me stating her commitment to co-sponsor this endeavour financially during our stay in the province. i also gave her a co-sponsorship letter doing the same thing in her Letter of Purpose.

caveat: Ayam not a guru / agent / SOP writter / Review. so i will prefer any and all kweshiuns be put up here so the family can collectively attend to it.

na work i no get make me type this epistle as i dey wait make class time reach. lazy man sitdon dey look NL. lol

Best of luck to every one.

Wow! What an expose. Thank you for this detailed resource.

Good evening sir,
please can you help me with the copy of SOP/LOE for guidance. olujinmisamson@gmail.com.
thank you in anticipation .

ojiemoses:
Please can you talk more about your study leave with pay ? Were you given a bank statement to attach your ?

application LONG POST ALERT...SORRY FOR THE PAIN OF READING THROUGH THIS.


DOCUMENTS SUBMITTED

WE USED GCKEY (OLD PORTAL)

***ALL SECTIONS HAD A TABLE OF CONTENT HYPERLINKED***

STUDY PERMIT

1. ALL IMM FORMS

2. ACCEPTANCE LETTER
College acceptance letter
College invoice for the entire year
Fees Payment Invoice
College statement of account after fees payment
3. PROOF OF RELATIONSHIP
Marriage certificate and License

4. MEDICAL
Upfront medical sheet from IOM Abuja
Covid immunization card
yellow card


5. PASSPORT
Passport data page
Stamped pages (only Ghana dey inside)
Old passports
Drivers license
CERT of Origin



6. PROOF OF FUNDS

Letter of financial support from SPOUSE
Mbs zenith SPOUSE
Gift deed for SPOUSE from MOTHER
Gift deed supporting documents-bank statement of the giver and transfer receipts
Spouse bank statement showing gift deed receipt.

Mbs gtb salary account for Spouse (6 months)
Mbs gtb dollars account for Spouse (6 months)
6 months payslip Spouse
Mbs zenith salary account Principal applicant (6 months)
Access bank account statement for Principal applicant (6 months)
Scb bank statement for Principal applicant (6 months)
6 months GOVT AGENCY payslip for Principal applicant
Deed of a gift for Principal applicant from MUM
account statement for the giver showing balances and for PA showing gift

Holland fees invoice
Holland fees receipt and holland fees account statement
Company account statement for Company 1
Company account statement for Company 2
pension account statement for Spouse (25% available for pof) -this was explained in SOP
pension account statement for PA (25% available for pof)-this was explained in the SOP.

TOTAL AMOUNT NEEDED
Fees -CAD 18,000
Total paid via Form A CAD 13,000
Total SHWON FOR STUDENT AND SPOUSE CAD 40,000 (MINUS FEES PAID)


7. CLIENT INFORMATION (Arranged to address most of the reasons for refusal)
Table Of Content
STATEMENT OF PURPOSE
Statement Of Purpose 6 Pages (Wrote it myself....2 weeks and reviewed over 100 times)
FAMILY TIES
Birth Certificates For My Entire Family
Key/Explanation Of Family Pictures
My Family Photographs
EDUCATIONAL QUALIFICATIONS AND DOCUMENTS
Bachelor’s Degree Certificate
Notification Of Degree Result
Bachelor’s Degree Transcript
World Education Services Credential Assessment
IELTS English Test Result
National Youth Service Certificate
University Identity Card
Waec Result (High School)
Primary School Certificate
EMPLOYMENT DOCUMENTS
Resume (Canada Style - google it)
GOVT AGENCY Employment/Introduction Letter
Study Leave With Pay Approval Letter
Appointment Letter
Work Identity Card
Internal Training In Data Analysis – An Introduction Course Certificate (GOING TO STUDY DATA ANALYSIS IN CANADA…TO HELP PURPOSE OF VISIT)
Bank Contract/Appointment Letter (Previous Employment)
AND 3 OTHER PREVIOUS EMPLOYMENT LETTERS

PERSONAL AND FAMILY ASSETS – PRICIPAL APPLICANT
pension account statement (1,691,328.11) *note only 25% available
Personal car (estimated value NGN 3,000,000.00) * (valuation included….I think an online valuation tool was used.)
Business registration documents for 2 companies (Small business not more than 200,000K in both accounts)
Social media pages for both company
Some business stationery for both company
Some PA Family-owned landed properties (just 4 biggest ones across the country…in fathers' and mums names)



DOCUMENTS SUBMITTED

SOWP

1. ALL IMM FORMS

2. PASSPORT
DATA PAGE
VISA FROM UK (7 YRS AGO)
OLD INT PASSPORT DATA PAGE
STAMPED PAGES
NATIONAL ID CARD
BIRTH CERTIFICATE
CERTIFICATE OF ORIGIN
3. MEDICAL
Upfront Medical IOM Abuja
Covid Vacc.
Yellow Card
4. PURPOSE OF VISIT
Letter of Explanation
Introduction
Our Love Story
(Why I want to gumbody go Canada explained here)
Home ties (talked about my job in the NGO world)
- Family - investments- reasons to come back
Travel history (how I was in Uk and obeyed my visa status and came back home after studies)
Finances: explained how we got money to fund studies abroad and lump sums...and gifts in cash and landed property (got my sister to gift me two lands she was not using).
Declaration.

Marriage certificate
Wedding invite
wedding programme
Pics from when we started dating with explanations to date (50 pics)
Notarized Gift deed to me and my Spouse (my wife the principal applicant)
Attached Spouse admission docs and pof docs Again ( make dem no talk say dem no see am before)

5. CLIENT INFORMATION

PRELIMINARY PAGES
TABLE OF CONTENT
FORM IMM 5488

FAMILY TIES (HUSBAND)
KEY TO FAMILY PICTURES (Husbands family pics )
FAMILY PICTURES

EDUCATIONAL QUALIFICATIONS AND DOCUMENTS
MASTER’S DEGREE CERTIFICATE
MASTER’S DEGREE TRANSCRIPT
WORLD EDUCATION SERVICES CREDENTIAL ASSESSMENT
IELTS ENGLISH TEST RESULT
NATIONAL YOUTH SERVICE CERTIFICATE
BACHELOR’S DEGREE CERTIFICATE

EMPLOYMENT DOCUMENTS
RESUME
NGO INTRODUCTION LETTER
EMPLOYMENT LETTER
CONTRACT/ EMPLOYMENT AGREEMENT
WORK IDENTITY CARDS
2 EMPLOYMENT AND PENSIONS LETTER (PREVIOUS EMPLOYMENT)

PERSONAL ASSETS – BOTH APPLICANTS
MY ACCOUNT STATEMENT
STUDENT pension ACCOUNT STATEMENT
Personal Car – (ESTIMATED VALUE: NGN 2,500,000.00) *
Business Vehicle – LEASED WITH REGULAR PAYMENT TO HUSBAND (ESTIMATED VALUE NGN 1,500,000.00)* indicated in the purpose of visit letter and explained
BUSINESS REGISTRATION DOCUMENTS FOR both companies.
SOCIAL MEDIA PAGES both companies
BUSINESS REGISTRATION DETAILS OF both companies
BOTH BUSINESS STATIONERY
BOTH Company SOCAL MEDIA PAGES

SOME FAMILY-OWNED LANDED PROPERTY (husband)

GIFT DEED FOR LANDED PROPERTY TO Husband
GIFTED SURVEY PLAN FOR both lands
PROFESSIONAL VALUATION FOR THE TWO GIFTED LANDED PROPERTIES FOR HUSBAND
PROFESSIONALLY VALUED: PLOT 9 @ 2,000,000.00* AND
PLOT 044 @ 1,500,000.00*

Please can you talk more about your study leave with pay ? Were you given a bank statement to attach your ?

application LONG POST ALERT...SORRY FOR THE PAIN OF READING THROUGH THIS.


DOCUMENTS SUBMITTED

WE USED GCKEY (OLD PORTAL)

***ALL SECTIONS HAD A TABLE OF CONTENT HYPERLINKED***

STUDY PERMIT

1. ALL IMM FORMS

2. ACCEPTANCE LETTER
College acceptance letter
College invoice for the entire year
Fees Payment Invoice
College statement of account after fees payment
3. PROOF OF RELATIONSHIP
Marriage certificate and License

4. MEDICAL
Upfront medical sheet from IOM Abuja
Covid immunization card
yellow card


5. PASSPORT
Passport data page
Stamped pages (only Ghana dey inside)
Old passports
Drivers license
CERT of Origin



6. PROOF OF FUNDS

Letter of financial support from SPOUSE
Mbs zenith SPOUSE
Gift deed for SPOUSE from MOTHER
Gift deed supporting documents-bank statement of the giver and transfer receipts
Spouse bank statement showing gift deed receipt.

Mbs gtb salary account for Spouse (6 months)
Mbs gtb dollars account for Spouse (6 months)
6 months payslip Spouse
Mbs zenith salary account Principal applicant (6 months)
Access bank account statement for Principal applicant (6 months)
Scb bank statement for Principal applicant (6 months)
6 months GOVT AGENCY payslip for Principal applicant
Deed of a gift for Principal applicant from MUM
account statement for the giver showing balances and for PA showing gift

Holland fees invoice
Holland fees receipt and holland fees account statement
Company account statement for Company 1
Company account statement for Company 2
pension account statement for Spouse (25% available for pof) -this was explained in SOP
pension account statement for PA (25% available for pof)-this was explained in the SOP.

TOTAL AMOUNT NEEDED
Fees -CAD 18,000
Total paid via Form A CAD 13,000
Total SHWON FOR STUDENT AND SPOUSE CAD 40,000 (MINUS FEES PAID)


7. CLIENT INFORMATION (Arranged to address most of the reasons for refusal)
Table Of Content
STATEMENT OF PURPOSE
Statement Of Purpose 6 Pages (Wrote it myself....2 weeks and reviewed over 100 times)
FAMILY TIES
Birth Certificates For My Entire Family
Key/Explanation Of Family Pictures
My Family Photographs
EDUCATIONAL QUALIFICATIONS AND DOCUMENTS
Bachelor’s Degree Certificate
Notification Of Degree Result
Bachelor’s Degree Transcript
World Education Services Credential Assessment
IELTS English Test Result
National Youth Service Certificate
University Identity Card
Waec Result (High School)
Primary School Certificate
EMPLOYMENT DOCUMENTS
Resume (Canada Style - google it)
GOVT AGENCY Employment/Introduction Letter
Study Leave With Pay Approval Letter
Appointment Letter
Work Identity Card
Internal Training In Data Analysis – An Introduction Course Certificate (GOING TO STUDY DATA ANALYSIS IN CANADA…TO HELP PURPOSE OF VISIT)
Bank Contract/Appointment Letter (Previous Employment)
AND 3 OTHER PREVIOUS EMPLOYMENT LETTERS

PERSONAL AND FAMILY ASSETS – PRICIPAL APPLICANT
pension account statement (1,691,328.11) *note only 25% available
Personal car (estimated value NGN 3,000,000.00) * (valuation included….I think an online valuation tool was used.)
Business registration documents for 2 companies (Small business not more than 200,000K in both accounts)
Social media pages for both company
Some business stationery for both company
Some PA Family-owned landed properties (just 4 biggest ones across the country…in fathers' and mums names)



DOCUMENTS SUBMITTED

SOWP

1. ALL IMM FORMS

2. PASSPORT
DATA PAGE
VISA FROM UK (7 YRS AGO)
OLD INT PASSPORT DATA PAGE
STAMPED PAGES
NATIONAL ID CARD
BIRTH CERTIFICATE
CERTIFICATE OF ORIGIN
3. MEDICAL
Upfront Medical IOM Abuja
Covid Vacc.
Yellow Card
4. PURPOSE OF VISIT
Letter of Explanation
Introduction
Our Love Story
(Why I want to gumbody go Canada explained here)
Home ties (talked about my job in the NGO world)
- Family - investments- reasons to come back
Travel history (how I was in Uk and obeyed my visa status and came back home after studies)
Finances: explained how we got money to fund studies abroad and lump sums...and gifts in cash and landed property (got my sister to gift me two lands she was not using).
Declaration.

Marriage certificate
Wedding invite
wedding programme
Pics from when we started dating with explanations to date (50 pics)
Notarized Gift deed to me and my Spouse (my wife the principal applicant)
Attached Spouse admission docs and pof docs Again ( make dem no talk say dem no see am before)

5. CLIENT INFORMATION

PRELIMINARY PAGES
TABLE OF CONTENT
FORM IMM 5488

FAMILY TIES (HUSBAND)
KEY TO FAMILY PICTURES (Husbands family pics )
FAMILY PICTURES

EDUCATIONAL QUALIFICATIONS AND DOCUMENTS
MASTER’S DEGREE CERTIFICATE
MASTER’S DEGREE TRANSCRIPT
WORLD EDUCATION SERVICES CREDENTIAL ASSESSMENT
IELTS ENGLISH TEST RESULT
NATIONAL YOUTH SERVICE CERTIFICATE
BACHELOR’S DEGREE CERTIFICATE

EMPLOYMENT DOCUMENTS
RESUME
NGO INTRODUCTION LETTER
EMPLOYMENT LETTER
CONTRACT/ EMPLOYMENT AGREEMENT
WORK IDENTITY CARDS
2 EMPLOYMENT AND PENSIONS LETTER (PREVIOUS EMPLOYMENT)

PERSONAL ASSETS – BOTH APPLICANTS
MY ACCOUNT STATEMENT
STUDENT pension ACCOUNT STATEMENT
Personal Car – (ESTIMATED VALUE: NGN 2,500,000.00) *
Business Vehicle – LEASED WITH REGULAR PAYMENT TO HUSBAND (ESTIMATED VALUE NGN 1,500,000.00)* indicated in the purpose of visit letter and explained
BUSINESS REGISTRATION DOCUMENTS FOR both companies.
SOCIAL MEDIA PAGES both companies
BUSINESS REGISTRATION DETAILS OF both companies
BOTH BUSINESS STATIONERY
BOTH Company SOCAL MEDIA PAGES

SOME FAMILY-OWNED LANDED PROPERTY (husband)

GIFT DEED FOR LANDED PROPERTY TO Husband
GIFTED SURVEY PLAN FOR both lands
PROFESSIONAL VALUATION FOR THE TWO GIFTED LANDED PROPERTIES FOR HUSBAND
PROFESSIONALLY VALUED: PLOT 9 @ 2,000,000.00* AND
PLOT 044 @ 1,500,000.00*

[/quote]

styx1:
LONG POST ALERT...SORRY FOR THE PAIN OF READING THROUGH THIS.


DOCUMENTS SUBMITTED

WE USED GCKEY (OLD PORTAL)

***ALL SECTIONS HAD A TABLE OF CONTENT HYPERLINKED***

STUDY PERMIT

1. ALL IMM FORMS

2. ACCEPTANCE LETTER
College acceptance letter
College invoice for the entire year
Fees Payment Invoice
College statement of account after fees payment
3. PROOF OF RELATIONSHIP
Marriage certificate and License

4. MEDICAL
Upfront medical sheet from IOM Abuja
Covid immunization card
yellow card


5. PASSPORT
Passport data page
Stamped pages (only Ghana dey inside)
Old passports
Drivers license
CERT of Origin



6. PROOF OF FUNDS

Letter of financial support from SPOUSE
Mbs zenith SPOUSE
Gift deed for SPOUSE from MOTHER
Gift deed supporting documents-bank statement of the giver and transfer receipts
Spouse bank statement showing gift deed receipt.

Mbs gtb salary account for Spouse (6 months)
Mbs gtb dollars account for Spouse (6 months)
6 months payslip Spouse
Mbs zenith salary account Principal applicant (6 months)
Access bank account statement for Principal applicant (6 months)
Scb bank statement for Principal applicant (6 months)
6 months GOVT AGENCY payslip for Principal applicant
Deed of a gift for Principal applicant from MUM
account statement for the giver showing balances and for PA showing gift

Holland fees invoice
Holland fees receipt and holland fees account statement
Company account statement for Company 1
Company account statement for Company 2
pension account statement for Spouse (25% available for pof) -this was explained in SOP
pension account statement for PA (25% available for pof)-this was explained in the SOP.

TOTAL AMOUNT NEEDED
Fees -CAD 18,000
Total paid via Form A CAD 13,000
Total SHWON FOR STUDENT AND SPOUSE CAD 40,000 (MINUS FEES PAID)


7. CLIENT INFORMATION (Arranged to address most of the reasons for refusal)
Table Of Content
STATEMENT OF PURPOSE
Statement Of Purpose 6 Pages (Wrote it myself....2 weeks and reviewed over 100 times)
FAMILY TIES
Birth Certificates For My Entire Family
Key/Explanation Of Family Pictures
My Family Photographs
EDUCATIONAL QUALIFICATIONS AND DOCUMENTS
Bachelor’s Degree Certificate
Notification Of Degree Result
Bachelor’s Degree Transcript
World Education Services Credential Assessment
IELTS English Test Result
National Youth Service Certificate
University Identity Card
Waec Result (High School)
Primary School Certificate
EMPLOYMENT DOCUMENTS
Resume (Canada Style - google it)
GOVT AGENCY Employment/Introduction Letter
Study Leave With Pay Approval Letter
Appointment Letter
Work Identity Card
Internal Training In Data Analysis – An Introduction Course Certificate (GOING TO STUDY DATA ANALYSIS IN CANADA…TO HELP PURPOSE OF VISIT)
Bank Contract/Appointment Letter (Previous Employment)
AND 3 OTHER PREVIOUS EMPLOYMENT LETTERS

PERSONAL AND FAMILY ASSETS – PRICIPAL APPLICANT
pension account statement (1,691,328.11) *note only 25% available
Personal car (estimated value NGN 3,000,000.00) * (valuation included….I think an online valuation tool was used.)
Business registration documents for 2 companies (Small business not more than 200,000K in both accounts)
Social media pages for both company
Some business stationery for both company
Some PA Family-owned landed properties (just 4 biggest ones across the country…in fathers' and mums names)



DOCUMENTS SUBMITTED

SOWP

1. ALL IMM FORMS

2. PASSPORT
DATA PAGE
VISA FROM UK (7 YRS AGO)
OLD INT PASSPORT DATA PAGE
STAMPED PAGES
NATIONAL ID CARD
BIRTH CERTIFICATE
CERTIFICATE OF ORIGIN
3. MEDICAL
Upfront Medical IOM Abuja
Covid Vacc.
Yellow Card
4. PURPOSE OF VISIT
Letter of Explanation
Introduction
Our Love Story
(Why I want to gumbody go Canada explained here)
Home ties (talked about my job in the NGO world)
- Family - investments- reasons to come back
Travel history (how I was in Uk and obeyed my visa status and came back home after studies)
Finances: explained how we got money to fund studies abroad and lump sums...and gifts in cash and landed property (got my sister to gift me two lands she was not using).
Declaration.

Marriage certificate
Wedding invite
wedding programme
Pics from when we started dating with explanations to date (50 pics)
Notarized Gift deed to me and my Spouse (my wife the principal applicant)
Attached Spouse admission docs and pof docs Again ( make dem no talk say dem no see am before)

5. CLIENT INFORMATION

PRELIMINARY PAGES
TABLE OF CONTENT
FORM IMM 5488

FAMILY TIES (HUSBAND)
KEY TO FAMILY PICTURES (Husbands family pics )
FAMILY PICTURES

EDUCATIONAL QUALIFICATIONS AND DOCUMENTS
MASTER’S DEGREE CERTIFICATE
MASTER’S DEGREE TRANSCRIPT
WORLD EDUCATION SERVICES CREDENTIAL ASSESSMENT
IELTS ENGLISH TEST RESULT
NATIONAL YOUTH SERVICE CERTIFICATE
BACHELOR’S DEGREE CERTIFICATE

EMPLOYMENT DOCUMENTS
RESUME
NGO INTRODUCTION LETTER
EMPLOYMENT LETTER
CONTRACT/ EMPLOYMENT AGREEMENT
WORK IDENTITY CARDS
2 EMPLOYMENT AND PENSIONS LETTER (PREVIOUS EMPLOYMENT)

PERSONAL ASSETS – BOTH APPLICANTS
MY ACCOUNT STATEMENT
STUDENT pension ACCOUNT STATEMENT
Personal Car – (ESTIMATED VALUE: NGN 2,500,000.00) *
Business Vehicle – LEASED WITH REGULAR PAYMENT TO HUSBAND (ESTIMATED VALUE NGN 1,500,000.00)* indicated in the purpose of visit letter and explained
BUSINESS REGISTRATION DOCUMENTS FOR both companies.
SOCIAL MEDIA PAGES both companies
BUSINESS REGISTRATION DETAILS OF both companies
BOTH BUSINESS STATIONERY
BOTH Company SOCAL MEDIA PAGES

SOME FAMILY-OWNED LANDED PROPERTY (husband)

GIFT DEED FOR LANDED PROPERTY TO Husband
GIFTED SURVEY PLAN FOR both lands
PROFESSIONAL VALUATION FOR THE TWO GIFTED LANDED PROPERTIES FOR HUSBAND
PROFESSIONALLY VALUED: PLOT 9 @ 2,000,000.00* AND
PLOT 044 @ 1,500,000.00*

Wow! Congratulations!!!
This kind of application can’t be denied.
Weldone!!