Increasing ur mortgage so as to pay off for the house in 10years isn’t a wise financial decision, instead save that money to purchase another house then put it up for lease. The rent money you make from the second home should be able to service the mortgage of the two building. If you really want to own many property don’t be in heist to pay off mortgage, having 20-30 years mortgage below a thousand is good deal. Repeat this over time and you see yourself having many properties in your name and all servicing their mortgage and also giving you a little profit at the end of the month.
Great video! But this information is not for everyone for now, get your priorities right. Some students or care assistants might have started doing calculations on how to buy a house in the next 15 months. It was easy for Femi because he came in as a Nurse Instead of thinking of buying a house now..why not save towards becoming a nurse too or something of almost same value. And in few years time you can as well comfortably own your own house here in the UK.
I’m glad he got to use the scheme before it closed. I do have to point out that what he failed to mention is that should he decide to sell or pay off the mortgage in full, he will be required to repay the government the 20% equity loan percentage of the market value or agreed purchase price whichever is higher. For anyone in doubt, it’s possible to get a mortgage on a Tier 2 visa but the lenders are often limited as most require applicants to have ILR or citizenship. Halifax is one bank that will accept such application but mortgage rates might be higher. If you can afford to save and buy, please do.
From my own experience as a nurse working in the Uk, you can independently save up to £3k monthly if u have lesser bills to pay and do extra shifts. Some people people spend £300 to £600 on rent bills inclusive in shared apartments. Extra shifts will give him that large amount to save. However, this is not applicable to all, don’t be pressurised, do what works for you and stay focused. He knew exactly what he wanted and went for it, big congrats to him
We need to train our own people and stop importing third world Africans, it’s also nice for our elderly to be looked after by indigenous native British people instead of always dealing with immigrants and not receiving healthcare from their own people on a daily basis , this kind of mass immigration is engineered and designed it was never needed never wanted or never preferred. It’s sad .
Hi Daniel, good work you are doing sharing information. A feedback - when you ask a guest questions, give them room to answer well enough. This episode is such that your guest should have done more of the talking as you asked really important questions.
You will never lose buying your own house. Congratulations we are proud that you manage to buy a house after being in UK for such a short time Pearl Raji
Congratulations. But his scenario is not “normal” scenario. He had opportunity to work beyond the limit set for visa rules. In all, people should plan and set realistic target. The Lifetime ISA is still available for anyone buying their first house.
I think the commenters saying the nurse lied skipped the first few minutes of the video. He came in during Covid, probably enjoyed overtime pay and was allowed to work an extra 20 hours weekly plus his normal 37.5 hours weekly. So, what’s the fuss exactly? 🤷♀️
Constructively this story is not Demystifying enough. 3k in savings month on month is not humanely possible for a band5 health care worker or Nurse, you definitely had other streams of income you didn't disclose . Congratulations anyways 👏
Remember he mentioned aside the normal shifts he was doing agency shifts as well. An agency shift can pay like £35/hr and as an ED nurse, he could have earned up to £50/hr. If he worked 2 12hour extra shifts a week at £40/hr, he would earn roughly £920 a week extra income. £920 x 4 weeks is £3680 per month from 2 extra shifts a week. Everything is possible to the determined mind.
His whole story is not adding up. So he’s technically working 14hrs for 7 days to make £5.4k which after tax comes to £3.9k….complete cap and he’s on visa. I’m from the uk and this is impossible unless he has a side income.
Good for him, a single man with focus and no responsibilities and serious budgeting if he bought the house in Kent, its likely to work, London is another story 🤔. Before the pandemic houses in Kent started to creep up.
Or if he could even invest in other things or sources either there or back home, if he has trusted hands back home, (Nigeria) as against building houses with the accumulated savings, that would bring in great income to service all the debts and mortgages, thereby not having to stress or worry too much about paying debts eventually in the long run, if that makes sense.
It's very hard to believe but I don't see any reason why he should be lieing. That's superb. Saving 3k per month is another wow thing, that's impressive.
Remember he mentioned aside the normal shifts he was doing agency shifts as well. An agency shift can pay like £35/hr and as an ED nurse, he could have earned up to £50/hr (during covid times). If he worked 2 12hour extra shifts a week at £40/hr, he would earn roughly £920 a week extra income. £920 x 4 weeks is £3680 per month from 2 extra shifts a week. Everything is possible to the determined mind.
Please Daniel ,am you follower from Nigeria and I am right now in UK on tier 2 visa, I must commend you for your inspiration. But I want to know more about this house buying or mortgage.?? I would have liked to book One section with you ,but I am only one week old in UK you know what it is for family of 4 ,I know with time I will do so.thanks a million
What if I bring money from Nigeria. May that’s what he does. I can be able to buy house in Uk within 1 year if I add the money I brought from Nigeria to it Pls advise me if otherwise Good job Daniel Congratulations to your guest I m proud of you both This is a good investment from this year
@davidamadin That's not true. 20-25% and above is what most brokers will tell you. Also most banks will only give you a look in of you have at least 25%. Also you have to factor in the cost of the flat or house, you are buying.
As a nurse from Nig,what was is entry band. If your were on band 5 how was it possible for you to save £3,000 per month. How do meet the credit score .
He’s not being honest. Don’t fall for it. 15 months in the country from Nigeria and he’s got a mortgage which the require at least 3-5 years credit history
He's not being truthful. How did he build up his credit score in such a short period of time. Also how can he save £3,000? He doesn't pay for transport costs, no feeding and clothing so much more.
I don’t know about the credit score but he mentioned he was doing extra shifts with agency during Covid and post Covid, as the 20hours extra shift cap was lifted. Emergency Department nurses agency rate can be up to 50p/hr or more depending.
Having Access to Public Funds does not mean that you can get mortgage loans easily. APF is for British citizens or EU citizens only. Also Access to Public funds means that you can get housing and council tax benefit and also Income benefit. As far as you are not a British or EU citizen...you can't get it. I am a JCP advisor so I know what I am talking about.
Very possible. You have to be intentional from day 1...start building your credit history from day 1. Get credit cards and don't use more than 25% , get contracts, set direct debits for energy bills, phone bills etc, register to vote, let your rent be on contract. Pay your council tax, road tax, insurance etc if you have a car all by direct debits....in 1 year your credit score will be flying high. Also, set up savings account...there are companies like loqbox that can help you build credit score by setting up savings account but it comes at a fee of 2.5 pounds per week ..making it 10 pounds per month... I am building up my credit score but I am still trying to know how best to play around the UK property market... I have learnt so many things here and will need to do my calculations based on location.
Hi Daniel, thank you for all the Good information you've been dishing out for us your viewers, it's been really helpful and informative. I got an unconditional offer at the university of derby to study master's in cybersecurity this coming September. Please how Good is this course in terms of getting a sponsorship job in the UK after the completion of my program? And I plan to come with my wife as well as my dependent.. thank you very much🙌🙌.
Cybersecurity is one of the in demand jobs in the Uk Please try upskill yourself as a cybersecurity specialist to gain competitive advantage over other applicants during your job search
This interview is not detailed enough.The only thing he keep saying is financial intelligence. How was able to save 3,000pounds per month? How many hours was he working per week? How much is he paid per hour? Was he paying for rent? How was he able to build his credit score for this interval to be able to get a mortgage? From my findings and other UA-camrs who are on mortgage, you should have stay in the UK for up-to 2years to get a mortgage. What did he do different?
Brilliant he can say this to those in Nigeria 🇳🇬 not we who are here.. He better put this video down before he is invited in for questioning. This is how people propagate lies and put vulnerable people under unnecessary due pressure. The story around his finances is untrue and unrealistic.
Remember he mentioned aside the normal shifts he was doing agency shifts as well. An agency shift can pay like £35/hr and as an ED nurse, he could have earned up to £50/hr. If he worked 2 12hour extra shifts a week at £40/hr, he would earn roughly £920 a week extra income. £920 x 4 weeks is £3680 per month from 2 extra shifts a week. Everything is possible to the determined mind.
@@donisede8563 What is wrong with what he said? I know people who make £20000 (twenty thousand pounds) and over from EXTRA SHIFTS in NHS. Remember he mentioned aside the normal shifts he was doing agency shifts as well. An agency shift can pay like £35/hr and as an ED nurse, he could have earned up to £50/hr. If he worked 2 12hour extra shifts a week at £40/hr, he would earn roughly £920 a week extra income. £920 x 4 weeks is £3680 per month from 2 extra shifts a week. Everything is possible to the determined mind.
All I see is lies,lies ,lies. He's only mortgaged the house and he's a hero.lmao. something that is normal in the uk.Besides there's someone supporting him but he's not mentioning.Lies
what did you do to save £3000 pounds? if you will do an interview, share small, not just work hard. How did you joggle it? Your salary is £1700, you saved £3000. I thought I was coming to learn. i want more than motivation. thank you very much
So did he put down a £21K deposit (10%) of the total value or did he buy the property via the help to buy scheme? His responses and explanations are very vague and unclear. Also you can only qualify for help to buy if you cant afford the total deposit, but he said that he put down 21K. If he put down the 21K why would he need the govt to loan him another 20% of the purchase price. I dont think any of this is true, this guy's responses do not add up at all.
Lmao I put a away 2000 every month easy!! No word of a lie! If I wasn’t building a house back home currently I would put away much more. It’s all about bn smart
I hate it when people come online to give false information. This guy is either lying or doesnt tell us how he actually got his ''mortgage' First of all, you need a 6 years credit history before the Bank could consider your mortgage application. Secondly, you need to have ILF (Indefinite leave to remain inthe UK) not on a working visa. Also, if we take the 3 thousand pounds you saved per month (which I doubt) and we add your monthly outgoings to it that means you should be earning a net monthly income of around 4200 pounds now, considering the average take home of a nurse is 1700 pounds for a 37.5hours weekly work so how are you getting 2500 pounds a month more? on extra ''20'' hour's work?
Really strange,what about credit score building?How much did you earn a Month,were you living in a co-shared,did you save together with your partner?please break it down and tell us the truth.
I think he must have also benefited from the help to buy government scheme that was in place for first time buyers during that period on new developments, also during that time, the stamp duty was suspended.
Your guest is telling big lies, not telling the full story and misleading people. There’s someone else (his fiancé or spouse) in the picture that supported him which he failed to mention. To get a mortgage in the UK, you must pass affordability test. The lender will do affordability test on your base salary and will not consider income from overtime because overtime is not constant. So your guest income of £1700 will not pass affordability test except he did joint application with someone else. The guy also said other things that were totally untrue. Good job Daniel on your overall contents!
@@DanielJesuloba I understand that but I would rather listen to someone speaking the truth. I have no doubt he bought his home but Daniel come on, me and you know that on his current wage and only being in the country for 15 months that it’s impossible to get a mortgage. If he was transparent and said that his wife or whoever helped him then that’s more believable and truthful but me living here in the uk since birth and worked in banks, I can confirm it’s a complete lie and no chance he will qualify for a mortgage on his current, being on international visa and no credit history built up from 3 years minimum and many more I can list.
Not just staying in the UK for 2 years. You must have a good and solid credit history for 3 years and also be on the Voters register in one residence for 3 years.
I have not stayed in UK up to 2 years but I have 1k overdraft and 2500 credit card... I don't doubt anyone, what I can ask is for more info.... Nursing personel used to pay agency nurse as high as 50 pounds per hour depending on the location....from 35 to 50 pounds per hour. Agency shift and overtime is where they make money.
Congratulations 🎉 for getting a mortgage bro. Remember that you haven’t bought the property yet until the mortgage is paid out completely. You could possibly loose your mortgage if you aren’t able to pay your monthly mortgage for a few months.
Story inspiring but bro you don’t ask the right questions. He worked a lot yeah but how ? The hours he did and number of hours to get that type of money.
I watched the entire video, you were amazed on how he did it and you said , how did you do it were you working 7 days a week and he said he worked a lot . He didn’t mention his working hours nor money he made per hour as a Band 5 nurse , yes he spoke what a band 5 nurse have after tax which is 1600 but he didn’t mention his pay per hour nor the number of hours. I was wondering if he worked with agencies to make such huge amount of money but didn’t see it in the video. But bro my criticism isn’t to say u don’t do a good job. Thank you for making us know it is possible, kuddos
You people are funny with questions! If you are determined you can! I came in Sept 2021, my hubby came in Dec and started work Jan 2022 and I can tell you in a space of this one year him alone have saved close to £30,000 aside paying bills cos he has what he was pursuing! He is working almost 96 hours a week! He works 7 days a week and combine 3 Jobs! If we want even buy house of £300,000 of £30,000 initial deposit this month we are more than capable doing that! So people can do it!
Only you knows the motive for posting this video but any Nigerian who has been in UK for a long time would pick holes in your story. I am not saying it is not true or it is true that you bought a house 15 months after arriving UK but the story about your monthly savings of £3,000 savings on salary of £1,700 per month is not clear even if you were working over time during COVID. This is not Nigeria where you can work as you like, there is a limit to how may hours you can work per week and that applies to every one working in the UK. So you have no expenses at all? The guy was asking the right questions just like an FBI would grill you but your answers were murky somehow. Your main expense would have been your rent , food and other bills? Let us assume you were wearing the same cloth every day for 15 months. I bet you travel free as well? Or you bought your car for free? Even Doctors don't save £3,000 a month after expenses in the UK. My point is not to kill anyone's ambition but don't buy a story on its face value, do your home work.
I agree with you these people thinks we are all morons there is a tax band that applies to everyone on high income ie 20% 32%45% etc when you do over time you get taxed outside of those bands and the scheme don't allow you to earn comfortably it is tailored 2ndly you can't buy a property in the uk on a visa unless you've been granted right to remain so what lies is he talking?!
He got his money during covid Overtime is double pay in some companies. So obviously he was picking shifts like mad . I know a support worker that earns 3k after tax working 6 days a week .
He said he worked during covid and he made a lot of money . 100% of the health workers that worked during covid abroad made alot of money and he said he was single which he must have cut down on his expenses . So he’s not lying , he was determined to achieve it .
how do yall lie so much. how do you use 15 months to even build credit score of that much. no bank in this UK will get that mortgage inn 15 months. hes lying. he cant even get a car maybe with that . address history wont even allow
@@DanielJesuloba your maths did not adds up. How was able to get the loans. Was he flying to work at least? Not r en paying rent to live...? Come on guys,no worries carry on. There's a song from fathers. ' never tells lies, because one day you will remember that my father told me so.
Please subscribe to Oluwafemi Oni’s UA-cam channel to learn more
Click here 👉 youtube.com/@oluwafemioni1
Increasing ur mortgage so as to pay off for the house in 10years isn’t a wise financial decision, instead save that money to purchase another house then put it up for lease. The rent money you make from the second home should be able to service the mortgage of the two building. If you really want to own many property don’t be in heist to pay off mortgage, having 20-30 years mortgage below a thousand is good deal. Repeat this over time and you see yourself having many properties in your name and all servicing their mortgage and also giving you a little profit at the end of the month.
This is 💯
Facts
Agreed
I stand with your point
This is financial Intelligence
Great video! But this information is not for everyone for now, get your priorities right.
Some students or care assistants might have started doing calculations on how to buy a house in the next 15 months.
It was easy for Femi because he came in as a Nurse
Instead of thinking of buying a house now..why not save towards becoming a nurse too or something of almost same value.
And in few years time you can as well comfortably own your own house here in the UK.
I’m glad he got to use the scheme before it closed. I do have to point out that what he failed to mention is that should he decide to sell or pay off the mortgage in full, he will be required to repay the government the 20% equity loan percentage of the market value or agreed purchase price whichever is higher. For anyone in doubt, it’s possible to get a mortgage on a Tier 2 visa but the lenders are often limited as most require applicants to have ILR or citizenship. Halifax is one bank that will accept such application but mortgage rates might be higher. If you can afford to save and buy, please do.
Natwest, barclays and Satander could be added to that list
Agree... the scheme was problematic when person wish to sell...
thank you very much
To buy a house in the UK. You must have £300.0000 pounds. Lairs lairs lairs
@@marianakpomon5304 uk has vastly varying house prices...with London being the most expensive... Best place to look is Rightmove
Good to see your content evolving Daniel. Don’t box yourself in. This opens more opportunities to you.
You’ve also grown in confidence. You sound self-assured. Good to see.
Thank you for your kind words 🙏
Yeah, enough about sponsorship. Loool
I'm following immediately. It's good to see a young man achieving something great...
From my own experience as a nurse working in the Uk, you can independently save up to £3k monthly if u have lesser bills to pay and do extra shifts. Some people people spend £300 to £600 on rent bills inclusive in shared apartments. Extra shifts will give him that large amount to save.
However, this is not applicable to all, don’t be pressurised, do what works for you and stay focused.
He knew exactly what he wanted and went for it, big congrats to him
Thank you for sharing this 🙏
This is encouraging
We need to train our own people and stop importing third world Africans, it’s also nice for our elderly to be looked after by indigenous native British people instead of always dealing with immigrants and not receiving healthcare from their own people on a daily basis , this kind of mass immigration is engineered and designed it was never needed never wanted or never preferred. It’s sad .
How can you save £3k a month if ou are earning £27k a year that's rubbish.
I have to commend you for this and it's quite inspiring. What people don't realise is the sacfrice you made to achive this.
Hi Daniel, good work you are doing sharing information. A feedback - when you ask a guest questions, give them room to answer well enough. This episode is such that your guest should have done more of the talking as you asked really important questions.
Hopefully people watching this will do their research and be enlightened...properly...
Very thoughtful constructive young Nigerian man. Well-done. Keep focused and be alert from negative influence around your life.
By negative influences you mean white people right ?
You will never lose buying your own house. Congratulations we are proud that you manage to buy a house after being in UK for such a short time Pearl Raji
🙏🙏
This I love to watch💕
Congratulations champ! 🎊
🙏🙏
Congratulations. But his scenario is not “normal” scenario. He had opportunity to work beyond the limit set for visa rules. In all, people should plan and set realistic target. The Lifetime ISA is still available for anyone buying their first house.
Please, i want to know more about this. ISA of a thing. Someone with a skill worker visa can you mortgage a house
I think the commenters saying the nurse lied skipped the first few minutes of the video. He came in during Covid, probably enjoyed overtime pay and was allowed to work an extra 20 hours weekly plus his normal 37.5 hours weekly.
So, what’s the fuss exactly? 🤷♀️
Figures is what people are asking of.. If he came in during COVID and was working overtime, was he living on free expenses and tax?
My sister in law is a newly qualified nurse and she’s now employed with salary of 27,500 per annum.
This guy isn’t being honest…no way after tax and expenses will he still have £3k left….especially being on a international visa
@@pretty9203
And your sister will have to pay over 20% income tax on that £27,500
@somyboy117 even on international visa he cant buy a house in the uk so he's definitely lying to himself!
Very informative.... Well done 👍👍
Thank you Jummy 🙏
Constructively this story is not Demystifying enough. 3k in savings month on month is not humanely possible for a band5 health care worker or Nurse, you definitely had other streams of income you didn't disclose . Congratulations anyways 👏
Remember he mentioned aside the normal shifts he was doing agency shifts as well. An agency shift can pay like £35/hr and as an ED nurse, he could have earned up to £50/hr. If he worked 2 12hour extra shifts a week at £40/hr, he would earn roughly £920 a week extra income. £920 x 4 weeks is £3680 per month from 2 extra shifts a week. Everything is possible to the determined mind.
@@majikizak which agency pays 50 gbp per hour? have never seen it.
His whole story is not adding up. So he’s technically working 14hrs for 7 days to make £5.4k which after tax comes to £3.9k….complete cap and he’s on visa. I’m from the uk and this is impossible unless he has a side income.
@majikizak The more money you make...the more money the tax will be higher. You will end up just working for the tax man.
@somyboy117
Most definitely. I have been here for more than 20 years and some of these newbies just make me laugh!!
He's single and prudent...him making down payment for a house is not suprising.
Kudos to him.
Good for him, a single man with focus and no responsibilities and serious budgeting if he bought the house in Kent, its likely to work, London is another story 🤔. Before the pandemic houses in Kent started to creep up.
Or if he could even invest in other things or sources either there or back home, if he has trusted hands back home, (Nigeria) as against building houses with the accumulated savings, that would bring in great income to service all the debts and mortgages, thereby not having to stress or worry too much about paying debts eventually in the long run, if that makes sense.
I was going to scream congratulations Daniel 🎉 but congratulations in advance
Haha 😂
The wise one will certainly make it. congrats bro
It's great bro, congratulations
Congratulations 🎊. I celebrate you sir..
🙏🙏🙏
It's very hard to believe but I don't see any reason why he should be lieing. That's superb. Saving 3k per month is another wow thing, that's impressive.
As long as you bear in mind that most people in the UK don't earn £3k per month
Isreal, i thought about it myself because the figures doesn't quite add up but good luck to him.
@@ao4514 yea
Remember he mentioned aside the normal shifts he was doing agency shifts as well. An agency shift can pay like £35/hr and as an ED nurse, he could have earned up to £50/hr (during covid times). If he worked 2 12hour extra shifts a week at £40/hr, he would earn roughly £920 a week extra income. £920 x 4 weeks is £3680 per month from 2 extra shifts a week. Everything is possible to the determined mind.
@@majikizak ok
This is highly inspiring guys. Congratulations to you bro. More wins in Jesus Mighty name
I’m glad you find the video inspiring
Please Daniel ,am you follower from Nigeria and I am right now in UK on tier 2 visa, I must commend you for your inspiration. But I want to know more about this house buying or mortgage.?? I would have liked to book One section with you ,but I am only one week old in UK you know what it is for family of 4 ,I know with time I will do so.thanks a million
Well done my brother.
Congratulations Dear friend
Many many thanks
What if I bring money from Nigeria. May that’s what he does.
I can be able to buy house in Uk within 1 year if I add the money I brought from Nigeria to it
Pls advise me if otherwise
Good job Daniel
Congratulations to your guest
I m proud of you both
This is a good investment from this year
This question needs answer a lot of us have businesses we operate in Nigeria or abroad …so can we take money from Nigeria to buy a house on the uk ?
Na this kind content I love and want.
Noted Boss💯
How come 10% was enough I was told I need 25%. Please what firm gave him the mortgage
Please, don't mind them.
This is how they deceive people back home and they think that how easy it to buy house in the UK
First time buyer is 10%
@davidamadin
That's not true. 20-25% and above is what most brokers will tell you. Also most banks will only give you a look in of you have at least 25%. Also you have to factor in the cost of the flat or house, you are buying.
Daniel work more on allowing your guest to speak. You are doing the interview and at the same time you are doing the talking too. Well done anyway
Noted 💯
Thanks for sharing this... 👍
Glad you find the video resourceful
As a nurse from Nig,what was is entry band. If your were on band 5 how was it possible for you to save £3,000 per month. How do meet the credit score .
He’s not being honest. Don’t fall for it. 15 months in the country from Nigeria and he’s got a mortgage which the require at least 3-5 years credit history
He's not being truthful. How did he build up his credit score in such a short period of time. Also how can he save £3,000? He doesn't pay for transport costs, no feeding and clothing so much more.
I don’t know about the credit score but he mentioned he was doing extra shifts with agency during Covid and post Covid, as the 20hours extra shift cap was lifted. Emergency Department nurses agency rate can be up to 50p/hr or more depending.
I was possible access to public fund on tier 2 visa. The story need more insight into how he got his money.
Having Access to Public Funds does not mean that you can get mortgage loans easily. APF is for British citizens or EU citizens only.
Also Access to Public funds means that you can get housing and council tax benefit and also Income benefit. As far as you are not a British or EU citizen...you can't get it. I am a JCP advisor so I know what I am talking about.
Sounds fishy, what's his credit history? You are telling me he built credit history in less than a year
Very possible. You have to be intentional from day 1...start building your credit history from day 1. Get credit cards and don't use more than 25% , get contracts, set direct debits for energy bills, phone bills etc, register to vote, let your rent be on contract. Pay your council tax, road tax, insurance etc if you have a car all by direct debits....in 1 year your credit score will be flying high. Also, set up savings account...there are companies like loqbox that can help you build credit score by setting up savings account but it comes at a fee of 2.5 pounds per week ..making it 10 pounds per month...
I am building up my credit score but I am still trying to know how best to play around the UK property market...
I have learnt so many things here and will need to do my calculations based on location.
Hi Daniel, thank you for all the Good information you've been dishing out for us your viewers, it's been really helpful and informative. I got an unconditional offer at the university of derby to study master's in cybersecurity this coming September. Please how Good is this course in terms of getting a sponsorship job in the UK after the completion of my program? And I plan to come with my wife as well as my dependent.. thank you very much🙌🙌.
Cybersecurity is one of the in demand jobs in the Uk
Please try upskill yourself as a cybersecurity specialist to gain competitive advantage over other applicants during your job search
@@DanielJesuloba thanks for the advice my brother..
Congratulations Sir.
This interview is not detailed enough.The only thing he keep saying is financial intelligence.
How was able to save 3,000pounds per month?
How many hours was he working per week?
How much is he paid per hour?
Was he paying for rent?
How was he able to build his credit score for this interval to be able to get a mortgage?
From my findings and other UA-camrs who are on mortgage, you should have stay in the UK for up-to 2years to get a mortgage. What did he do different?
Brilliant he can say this to those in Nigeria 🇳🇬 not we who are here.. He better put this video down before he is invited in for questioning. This is how people propagate lies and put vulnerable people under unnecessary due pressure. The story around his finances is untrue and unrealistic.
Exactly
To me the video is incomplete and not detailed at all … I didn’t pick a point of how to buy a house , build credit score and all
Remember he mentioned aside the normal shifts he was doing agency shifts as well. An agency shift can pay like £35/hr and as an ED nurse, he could have earned up to £50/hr. If he worked 2 12hour extra shifts a week at £40/hr, he would earn roughly £920 a week extra income. £920 x 4 weeks is £3680 per month from 2 extra shifts a week. Everything is possible to the determined mind.
@@donisede8563 What is wrong with what he said? I know people who make £20000 (twenty thousand pounds) and over from EXTRA SHIFTS in NHS.
Remember he mentioned aside the normal shifts he was doing agency shifts as well. An agency shift can pay like £35/hr and as an ED nurse, he could have earned up to £50/hr. If he worked 2 12hour extra shifts a week at £40/hr, he would earn roughly £920 a week extra income. £920 x 4 weeks is £3680 per month from 2 extra shifts a week. Everything is possible to the determined mind.
Exactly, asking the same questions
Congratulations bro
All I see is lies,lies ,lies. He's only mortgaged the house and he's a hero.lmao. something that is normal in the uk.Besides there's someone supporting him but he's not mentioning.Lies
This is inspiring !
I’m glad you find the video inspiring
Amazing 👏
Great content. But please stop saying mortgage is buying a house
Congrats boss
Thank you so much 😀
Great content but too many interruptions!
what did you do to save £3000 pounds? if you will do an interview, share small, not just work hard. How did you joggle it? Your salary is £1700, you saved £3000. I thought I was coming to learn. i want more than motivation. thank you very much
So did he put down a £21K deposit (10%) of the total value or did he buy the property via the help to buy scheme? His responses and explanations are very vague and unclear. Also you can only qualify for help to buy if you cant afford the total deposit, but he said that he put down 21K. If he put down the 21K why would he need the govt to loan him another 20% of the purchase price. I dont think any of this is true, this guy's responses do not add up at all.
Amazing
Thank you! Cheers!
How possible is it for you to have been saving £3000 monthly when you were not even earning up to that amount. This not true 😮
Did you watch the video before making this comment 🤦♀️🤦♀️
@@DanielJesuloba I have watched the video my dear Covid or No covid even with those extra hours what’s he saying doesn’t make sense.
I guess he’s married. There’s a ring on his finger.
Lmao I put a away 2000 every month easy!! No word of a lie! If I wasn’t building a house back home currently I would put away much more. It’s all about bn smart
@@olufemi42 are you working as a nurse too sir?
I hate it when people come online to give false information. This guy is either lying or doesnt tell us how he actually got his ''mortgage'
First of all, you need a 6 years credit history before the Bank could consider your mortgage application. Secondly, you need to have ILF (Indefinite leave to remain inthe UK) not on a working visa. Also, if we take the 3 thousand pounds you saved per month (which I doubt) and we add your monthly outgoings to it that means you should be earning a net monthly income of around 4200 pounds now, considering the average take home of a nurse is 1700 pounds for a 37.5hours weekly work so how are you getting 2500 pounds a month more? on extra ''20'' hour's work?
Super congratulations
Is it buy or mortgage house
Ol' boy please tell us the truth. Something is not adding up here. Were you living rent free? In this UK? A nurse for that matter? Haba! Nawa oo!!
Really strange,what about credit score building?How much did you earn a Month,were you living in a co-shared,did you save together with your partner?please break it down and tell us the truth.
Hum big lie
I think he must have also benefited from the help to buy government scheme that was in place for first time buyers during that period on new developments, also during that time, the stamp duty was suspended.
@@angelascott-briggs8031 k
Hope he wasn't doing what most Nigerians do
Your guest is telling big lies, not telling the full story and misleading people. There’s someone else (his fiancé or spouse) in the picture that supported him which he failed to mention. To get a mortgage in the UK, you must pass affordability test. The lender will do affordability test on your base salary and will not consider income from overtime because overtime is not constant. So your guest income of £1700 will not pass affordability test except he did joint application with someone else. The guy also said other things that were totally untrue.
Good job Daniel on your overall contents!
Thank you! Plus he’s only been in the country for 15 months which lenders need at least 3 years credit history
You are so right. These newbies just make me laugh with the lies🤣😂
Your opinion doesn’t change his reality though
@DanielJesuloba
It's not reality though. People should learn how to be honest in order not to mislead others.
@@DanielJesuloba I understand that but I would rather listen to someone speaking the truth. I have no doubt he bought his home but Daniel come on, me and you know that on his current wage and only being in the country for 15 months that it’s impossible to get a mortgage. If he was transparent and said that his wife or whoever helped him then that’s more believable and truthful but me living here in the uk since birth and worked in banks, I can confirm it’s a complete lie and no chance he will qualify for a mortgage on his current, being on international visa and no credit history built up from 3 years minimum and many more I can list.
omo people dey ball oh!
Abi ooooo
Na person wey go spoil me with money I dey find too ooo😂😂
Lol
You was not working for mountly pay , with business you can do that.or maybe you got the money in dubious means.dont decievie people .
Definitely not in London
So inspired story
Glad you find the video inspiring
This boy is lying. He wouldn't have got a mortgage without being a permanent UK resident. A lot of mortgage companies wouldn't consider him at all.
But to get ordinary loan sef, you must have been in the uk for @least 2yrs
Not just staying in the UK for 2 years. You must have a good and solid credit history for 3 years and also be on the Voters register in one residence for 3 years.
I have not stayed in UK up to 2 years but I have 1k overdraft and 2500 credit card...
I don't doubt anyone, what I can ask is for more info....
Nursing personel used to pay agency nurse as high as 50 pounds per hour depending on the location....from 35 to 50 pounds per hour.
Agency shift and overtime is where they make money.
This is excellent. Was that £3,000 a month as a single person?
Yes
I tried the first buyers. No one helped me
Bro this is not Africa stop it. The checks alone can take more than one year. I mean credit scores. Africa hmmm
Congratulations 🎉 for getting a mortgage bro. Remember that you haven’t bought the property yet until the mortgage is paid out completely. You could possibly loose your mortgage if you aren’t able to pay your monthly mortgage for a few months.
Why so negative, he’s rather building equity. He owns the house, his name is on the property
Story inspiring but bro you don’t ask the right questions. He worked a lot yeah but how ? The hours he did and number of hours to get that type of money.
You obviously didn’t watch the full video
Because he mentioned the number of days and hours he was working per week to make that amount
I watched the entire video, you were amazed on how he did it and you said , how did you do it were you working 7 days a week and he said he worked a lot . He didn’t mention his working hours nor money he made per hour as a Band 5 nurse , yes he spoke what a band 5 nurse have after tax which is 1600 but he didn’t mention his pay per hour nor the number of hours. I was wondering if he worked with agencies to make such huge amount of money but didn’t see it in the video. But bro my criticism isn’t to say u don’t do a good job. Thank you for making us know it is possible, kuddos
Did you watch the part where the nurse said he worked 20 hours extra on top of his 37.5 hours weekly?
You people are funny with questions! If you are determined you can! I came in Sept 2021, my hubby came in Dec and started work Jan 2022 and I can tell you in a space of this one year him alone have saved close to £30,000 aside paying bills cos he has what he was pursuing! He is working almost 96 hours a week! He works 7 days a week and combine 3 Jobs! If we want even buy house of £300,000 of £30,000 initial deposit this month we are more than capable doing that! So people can do it!
@@lovelynchiamaka3957 Jesus Christ of Nazareth.... 96 hours a week... 😂 😂 Omooo. I'm on my kneels here abeg.
See my secondary school senior oo
Really?
What a small world 🌍
I am sorry the story is not adding up and not realistic as a nurse.Maybe he used a credit card
🔥🔥🔥🔥🔥🔥🔥🔥
Daniel Jesuloba you promised me Christmas gift and you never give me😏
Haha 😂
I thought I don fulfill all my Christmas gifts promises oooo
to be honest it didn't reach my side.
Only you knows the motive for posting this video but any Nigerian who has been in UK for a long time would pick holes in your story. I am not saying it is not true or it is true that you bought a house 15 months after arriving UK but the story about your monthly savings of £3,000 savings on salary of £1,700 per month is not clear even if you were working over time during COVID. This is not Nigeria where you can work as you like, there is a limit to how may hours you can work per week and that applies to every one working in the UK. So you have no expenses at all? The guy was asking the right questions just like an FBI would grill you but your answers were murky somehow. Your main expense would have been your rent , food and other bills? Let us assume you were wearing the same cloth every day for 15 months. I bet you travel free as well? Or you bought your car for free? Even Doctors don't save £3,000 a month after expenses in the UK. My point is not to kill anyone's ambition but don't buy a story on its face value, do your home work.
I agree with you these people thinks we are all morons there is a tax band that applies to everyone on high income ie 20% 32%45% etc when you do over time you get taxed outside of those bands and the scheme don't allow you to earn comfortably it is tailored 2ndly you can't buy a property in the uk on a visa unless you've been granted right to remain so what lies is he talking?!
This guy is lying, end off , I wish I am the one interviewing him , I tear his story apart . Non of his story add up.
@@victoredwards3959 Absolutely but the worrying thing is the motive behind the lies. I have a feeling this is a scheme to dupe gullible people..
I no clear, na yahoo way!
😍
Does he have access to public funds?
No,
He is on a Tier 2 visa
Please, stop all these lies .
Okay Sir
Lies bro !! I swear to God 😅
Even when it’s a lie,you say it’s true ,so how can human be satisfied.
He got his money during covid
Overtime is double pay in some companies.
So obviously he was picking shifts like mad .
I know a support worker that earns 3k after tax working 6 days a week .
He said he worked during covid and he made a lot of money . 100% of the health workers that worked during covid abroad made alot of money and he said he was single which he must have cut down on his expenses . So he’s not lying , he was determined to achieve it .
how do yall lie so much. how do you use 15 months to even build credit score of that much. no bank in this UK will get that mortgage inn 15 months. hes lying. he cant even get a car maybe with that . address history wont even allow
For this Uk ?? Wey tax Dey finish people 😅
Its possible actually with the right strategy 😊
Them never said the truth sister
There’s alots of people buying houses and tax didn’t finish them
@@princeemenike2037 You're right bro. There is more to the story
Please, don't mind them.
This is how they deceive people back home and they think that how easy it to buy house in the UK
Interested but lies...keep it up.
In what way?
@@DanielJesuloba your maths did not adds up. How was able to get the loans. Was he flying to work at least? Not r en paying rent to live...? Come on guys,no worries carry on. There's a song from fathers. ' never tells lies, because one day you will remember that my father told me so.
I see 419 stop lying ! £3000 in a month u saved or £300?
This kind of interviews miss informed people
Wow
👍
He is not been realistic at all
We worked together in Hygeia HMO
Ridiculous…why lie????
How many scam calls did you make and how many scam emails did you send 😂😂😂😂😂😂😂😂😂😂
Not a very smart chap..boasting and showing off does not help you anywhere
🙄🙄
Is that what you got from the video?💁♂️
Lmao let him show off!! Congratulate him instead
Scamburg
Wow
Wow 😮