How We Got Free £4000/ How We Saved To Buy Our House In The Uk Within Two Years
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- Опубликовано: 24 авг 2024
- How We Saved, Raised Our Deposit And Got Free £4000 To Buy Our House In The Uk Within Two Years
list of lifetime ISA providers
moneybox
AJ BELL
Skipton Building Society
Nutmeg
Paragon bank
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Thanks so much guys for watching, I'm noting all the questions and we'd do a Q and A video to answer them all. This is the link to part 1 of how to buy a house step by step process, in case you have not watched it.
ruclips.net/video/H6PMqSF3nnA/видео.html
Thanks once again
You're an inspiration to so many of us, keep doing you guurrrl!
hello Tochi , your house is beautiful.
I have some questions to ask with urgent answers please.
1) Is the 1000 added a public funds?
2) can a person with no public fund on the student visa open a LISA account ?
Tochi,I have a question for you and what is disturbing me seriously....the question is If I come to the UK alone as student, leaving my family of four behind,is it possible to pick them to the UK after a year or two,since I don't enough for them join me? Please your candid answer.
Thanks Tochi
Which bank
How to open it pls
To think you guys achieved this Feat during the pandemic. You really inspire me. Thank you so much for sharing and revealing huge amount of information most people would rather not share. May God continue to bless you and lift you higher.
Awww, thank you so much
Tochi is helping lives o . Unity is power , this is Very interesting and well explained video, and your hubby makes a good teacher
Awww, thank you so much dear
I love the energy you guyz possess...i know this didn't come cheap for you it must have been with a lot of sacrifices from you. I salute your determination and courage to pull through. I love the detailed explanations
Awww, thank you so much
The key thing here is "WE" and that is the pillar of any successful team. Jisike ndi nkem.
Awww, thank you so much bro I appreciate
@@TochiEsther so assuming I can put upto 10,000 pounds, I'm getting 25% of it?
Your husband is a good teacher if I must say, you both were very clear and simple in your explanation. I have moneybox and I'll go ahead with this. Thank you so much for being thorough.
Please do. Thank you for watching
I will be rooting for you oyin. Love from chapel of Grace 🤩
ANY HOPE FOR PEOPLE ABOVE 40YEARS
Such an inspiration. Thank you Madame Tochi & such a pleasure to meet your husband. God bless you
My husband and I each used LISAs for our purchase also- it's a huge help. I've made a couple videos about it too x
Lovely, I'd check that out
This is so motivating for people looking forward to buy a house and achieve other milestones , thanks guys for sharing!
Thank you so much for watching
This is so thoughtful detailed and well put together information for anyone considering buying a house .
Thank you so much for watching
Having a set goals as a family is a great idea which I have learned from you guys , you two are perfect match full of wisdom I wish you many more achievement mama♥️
Awww, thank you so much
Wowwwww. Am blown away. This is what I call confirmed team work!!!!
Awww, thank you so much
Wow! Congratulations 🎊🎈 I’m super proud of your achievement… it takes understanding, financial intelligence and absolute commitment to make this a reality …. Thanks for sharing, honestly I’m inspired 😊
Aww, thank you so much
How can you be allowed to withdraw the money when you're 50 but not allowed to open the ISA account when you're 40 or over 40 years old????
Nice one. Chief is quite detailed. He give the minutest of details. Thanks for the video. It's an eye opener. You guys are blessed.
Aww, thank you so much
My question is, can one come back for her children 6 month after using dependant visa?
You can actually save more than £4000 a year into your ISA. But you only get 25% government bonus on the first £4000 which is a max of £1000. My first ISA was £15000 and it was £16143 by the end of the tax year.
We discussed only lifetime ISA, not ISA in general. Perhaps you misunderstood the context
Everyone has a 20k ISA allowance but lifetime ISA has its peculiar conditions.
I am in love with this channel ever since i found it, you both are doing a great job😍 God bless you both
Awww, thank you so much
You can do anything if your determinate....and it takes a lot of sacrifice and discipline to get this achievement. Congratulations dearest
Very correct sis
So impressed with you guys focus and teamwork!
Thank you so much
Congratulations to your family. So excited and thank you for sharing the process you went through, it is enlightening and encouraging
Aww, thank you so much
The power of unity. Well done guys 👍🏾. More wins for you 🙏🏾
Thank you so much
You both are awesome...! I am truly inspired... And i am hoping this works for my family too. Well done
Amen. Thank you for watching
Question: once we buy this house using the account money, can we sell that house if we get a good buyer? (or is there a limit to keep the house with your for at least XYZ number of years before you can sell it?) [thanks for informative video]
I have subscribed to your channel. I like the fact that your content is very informative and you jump straight into it.
Thank you so much
That's was quite an amazing collective power of saving. Raising 16k in one in this country is not easy. Kudos to both of you. The 40 years age tag restriction to the ISA account is a barrier here
Bless you sis
Again...thank you so much for this, for being so open and detailed. Truly learnt alot and gotten some clarity. I pray for God's continued blessings for you and your household ❤️❤️❤️
Amen. Thank you so much
I like your guys' openness..waohh.. so plain and truthful with all your explanations.
Thank you so much
Kudos to you both. Pls any advice for couple above 40years?- which other alternative do they have to have their own house? Thank you guys. Cheers!
Hmmmm congratulations Tochi I'm so proud of you. Please what job are you and your husband doing that earned you sooo much in 2 years.
Thank you so much. It’s not about the job, it’s just about discipline and planning
Wow I most confence, this is a big information you just released. God bless you both.
Amen. Thank you so much for watching
Tochi,thank you thank you.You and your hubby nailed it.Very informative.
Thank you so much for watching
I rarely comment on RUclips pages but you’ve gotten a subscriber in me 😄. Thank you 🙏
Awww, thank you so much I appreciate
This is so informative and educative,your husband explained so well
Thank you for watching
Ohh thanks so much for inspiring and motivating us the way to save money you are both a hardworking and a great couple I am so proud of guys thanks for sharing this important information stay blessed🙏🏾💞
Awww sis, thank you so much
This is so educative and informative too tochi, that savings idea and the extra bonus was super helpful
Yea, thank you for watching
Thanks so much, guys, All your videos have been so informative.
Thank you for watching
thanks for this video, very detailed information..your hubby is a good teacher......i am sure saving 16k in that short while in the UK wasn't easy for you two......weldone dear
Thanks so much 🙏
This video is so valuable. I have been doing my own research on everything and this is so helpful. Thank you so much
Aww, thank you so much
Well done you both...very encouraging and Informative....will try the money box too.thanks for sharing your experience
Thank you for watching
Weldone guys, more grease to your elbows❤️
Thank you so much
best video for me today.love you guys energy
Awww, thank you so much
This is so interesting amazing couple. Thank you so much and I'm so proud of you both
Thank you for watching
I love wat u guys do team wrk u hav inspired and enlightened me thank u very much
Watching from Jamaica, you are very informative .
Thank you for watching
Congratulations on your new house!
Thank you so much
Thanks you Tochi. This is value packed
Thank you for watching
Great information. The 12 months starts counting from when you make the first payment into the account.
Alright, thank you
this really encouraging, awesome, thanks so much for sharing with us
Thank you for watching
Thank you for sharing this 😍😍.
So so informative..
You guys are amazing
Thank you for watching
Can't wait to hear this good news😘😘
Quite Educating,thanks for sharing, i learnt a lot from this video.
So good to know. Thank you for watching
Thank you so much for sharing your journey and inspiring us. I admire you guys so much 💗 😘
Thank you so much for watching
Congratulations for your achievement. That a Great milestone.
Thank you so much
@@TochiEsther You're welcome.
I was going to ring you but I decided my Mr and I watch this video again before going for a seat down talk at the bank
Alright sis
really nice to know you can put in 4k at once
Yea, thank you for watching
very educative and i thank you guys
You're welcome
This is a great inspiration, i hope to follow suit. You guys are doing wonderfully well.
Thanks to both of you, i am a new subscriber👍
Aww, thank you so much
@@TochiEsther You are welcome
That was educative and informative, many thanks for sharing your experience
Thank you for watching sis
This is so inspiring. Let me be gearing towards that. Thank you for sharing sis.
Thank you for watching sis
Thanks so much for the information
Wow, this video is insightful. Thanks
Thank you so much for watching
Hello guys, educative video it is. So if my husband is 40 now, does it mean we can't have separate savings this way?
Or is there another opportunity to have same or similar approach?
Aunty tochi i have been waiting for you to post or tell us companies that are recurting and offering Visa sponsorship. I'm patiently waiting please try.
Thanks Dear for this wonderful information
Thanks so much 🙂
Well detailed information. Thanks
Thank you for watching
Hi Tochi, great video, I would love if you could go abit more detailed on the lifetime ISA savings account.
Kindly check the email playlist on buying a house in the Uk.. everything is there
Well done, this was possible becuase you had some money and well paid jobs for both of you. Rent ,bills , childcare in this UK alone 😔. Plus family back home remittances is not easy. Already we are sacrificing, expenditures , no holiday and yet difficult to save much. what kind of jobs do you both do please?
It was possible because we were determined and committed to it.
Please share how the repayment plan works. Additional benefits and/or penalties in case of default. Thanks, God bless you.
Nice video very informative thanks for sharing dear ..
Thank you for watching
Congratulations 🎊 👏 💐 Once Again...
Thank you dear
Thanks for the insightful video, saving is one aspect for the deposit is one aspect of buying the house. But to secure the mortgage, you have to be earning a certain amount to qualify for the mortgage.
Certainly.
Hi Ebele, please how much is the earning/salary threshold?
We explained all of this in the two part video we made on step by step process on how to buy a house
Ok, thanks, I didn’t realise that.
Teamwork in marriage is the only way to achieve this. Congratulations. What is you guys occupations please?
thank you guys!!!
Thank you for watching
This is very helpful. Thank you
I'm waoo at your team spirit 👍👍👍👍
Thank you so much
Well detailed explanation
Thank you for watching
Hi Tochi thanks for all the advice just need to know how do you open the life time ISA . Is it through the bank . If so what bank . Thanks
Great content 👌 👏 👍
Thank you
Very informative thank you Ma
Thank you for watching
Thank you for the inspiration
Thank you for watching
Great video, thank you....
Thank you for watching
Kudos to you guys
Thank you for watching
Hi tochi how are you doing? I love your advice and update. You make me realize there can be something good in the UK. Thanks to you I attempted applying for a job for my husband so we can relocate to the UK also for myself as I am in the medical field so NHS might require my service
Thank you for watching dear and I wish you guys all the best
Definitely NHS needs someone like you urgently
By all means come to the UK but just be ready to take covid injections and neverending booster shots if you want to work for the NHS.
God bless you both
And bless you too
Came here early💃🏿💃🏿
You are welcome
This is a big motivation 🥰
Thanks for watching, glad you're motivated
Thanks for this video and all the rich information it contains. Kudos and congratulations. I admire you guys. My question is this, How many years is the mortgage for?
Thanks for this. God bless you. My concern is that do you think one can achieve this as a student?
Thank you sir for taking your time
Hello this is really eye opening. I really wish I had met you early enough. Well everything has its purpose. Thank you so for bringing to us such information. Please if I put in 8k in January 2022 will I be eligible to have 2k by March 2022 or it must be by the end of 2023 March. Because I really want to get my house as well
How did you build your credit score? What if you are over 40 years of age. It would be helpful to know about people with bad credit. Tochi thank you. What job can you do to save 4k with family life in the uk.
It's a very good question how where dey able to save 4000£ each within 6months
You guys are great
We appreciate your kind words, thank you
Really important to consider the fact that a lot of people come in through student visa route. Is this a possibility for such people? Hoping for an update on this. Thank you and this is a really great video, well done!!!
I have a full video about students buying a house in the uk on my channel, kindly check it out
@@TochiEsther posting the link here would have helped. I have gone through your page. It’s probably far down
ruclips.net/video/-1MEOl_rRTw/видео.html
@@TochiEsther thank you.
WOW 👏
You both are so amazing 👏 💖
Please what about if someone is able to save £8,000 within the period of April to March, is the person going to get £2,000 as bonus or the maximum is £4,000?
Thank you
I dont think so. Its stated that 4k is what you have to save for each year. These people do not bend rules. Wait till d next year to save another,or better still ..open for you and your husband/wife to get the extra 1k..😄😄
Watching from London
Thank you for watching
Please can you put the link of where you applied for your life time isa account.. I have been seeing different ones and they can be confusing.. Thankyou
the age limit is a barrier for for my family though.
It’s ok, you can always do without it💪
Thanks for the information but can you pay more than 4K
Thanks for sharing
Thank you for watching
Great video and very informative!! However just to note that the UK tax year runs from 6th April to 5th April of the following year (not March).
Thanks for watching. We're aware of those dates, we Just used April and march as a guide. If you listened well we mentioned 5th of April at some point in the video
There is even no need for that correction, very negligible difference. We can just focus on the main lesson. I have a similar account and I know the bank will tell u when the financial year starts and ends.
@@StarInc7 hi, not sure why you are seeing my comment from a totally negative angle. There was definitely the need to put that correction out there, sorry. This is information being shared and people will place reliance on it..the tax period is a strict window and I know people who have made massive financial mistakes just by not knowing the length of this window (having filed loads of tax returns as an Accountant). It is also very important for people to know that it runs till 5th April because those extra 5 days can mean a lot to someone who would wish to still deposit in a Lisa (in this instance) and not sit and rely on the fact that he /she missed the deadline because of the idea that it runs till March end. Not everyone takes time to go online and check on these things so if we are giving out information, we just do so accurately. My comment was not meant to take away from the video, but to just add on…how negative was that ?
Congratulations on your new house. Please quick question, so do you advise after buying your first house and you are not interested in saving till you are 50yrs, can you close the account?