My brother and I are in the process of buying a new build house in Newcastle. We both are on skilled worker visa with a validity less than a year. We received mortgage offer from Barclays for 10% deposit. I guess with an excellent credit score and financial stability proven throughout your time in the UK should get you mortgage without any hassle.
Can you please share for how long you and your brother are living in the UK? Does it matter to live for couples of years in the UK on skilled worker visa to get mortgage from Barclay's on 10% deposit?
I have a different view in regards to buying property in UK. I live in a high rise in London near Canary wharf and I was looking to buy a flat in my building(a 2 bhk for now). I checked on multiple homes available for sale(in my building) and could see that the property rates have not changed significantly from the time it was build(2008) till date. Many 2 bhks that were sold at around 450K at that time are listed at around 520K currently i.e. a appreciation of 70K in 15 years. Say, I go ahead and buy a flat for 520k and deposit 20% i.e. around 104k and finance rest from bank. The EMI that I will pay would be same as rent so that would not make much of a difference on me financially. Now the 104k that I paid from my pocket(not even considering other fee), I can invest in some other asset class and I am pretty confident that in 15years, I can grow it to atleast 280K i.e. a profit of around 180K(being conservative and considering return of only 7% per year). Buying your own place have attached emotional values but in my opinion if someone is not sure if they want to settle here, please do consider this before deciding on to either buy or rent. **This calculation might not hold true for all properties but it is the case for few areas that I am looking into.
Pretty much in the same boat. Live in London in a high rise and 2BHK properties that we are looking in our area in Zone 4, Riverside is around 750-780k. We are looking to live here for prolly another decade. In our case we may end up paying a little more than rent and even the luxury home build quality is not all that fantastic and things start breaking down after a year or 2 or less than it. And in the name of service tax collected by the estate agents is ridiculous & is a highway robbery! Current owners had an increase of service charge by 170% .. ROFL ... For now it looks like we'll be on rent for few years as it'll give us flexibility to change homes every 2-3 years and go to a new build or move out of London (if NHS posting happens elsewhere for one us) Properties appreciate in London (and UK) not more 3% at the best case? Don't quote me on this :D Fantastic video for people who are looking to buy elsewhere in London. But buying properties for the sake of investment and making a profit is a terrible idea in here or so it seems to some of us. Totally agree with Ankit and his investment strargery.
Hello Gaurav Bhai first of all I would like to thank you for greeting me so well when you were in the car with uncle. I met you at the regent street lights leamington, but unfortunately aap traffic mei the to zada baat nhi ho paayi. My friend was telling you recently visited Kadak Chai, hope firse apse milna ho. I also wanted to tell you ki you are doing an amazing work coz me n my wife were planning for buying a house but we were not sure at all and this video was just what we wanted. Love you guys and a huge round of applause for your hard work and efforts.
Can you please tell us how much stamp duty we need to pay if we own property in India? What was the situation in your case. How much stamp duty you had to pay
Hi Gaurav, thank you for sharing such a helpful video. Just to add that you can get the mortgage by 5.5 times. There are many lenders who consider 5.5 times on skilled worker visa. I just got mine :) also it is not mandatory at all you must have 2 years on your visa expiry date, My current skilled worker visa is expiring in July 2025 and I just got my mortgage approved.
Thanks for sharing 👍🏻 afterall it all depends on individual’s salary, expenses and visa status so as I mentioned a certified financial advisor would be able to check and calculate accurate affordability.. but thanks again for sharing your info. 🙌🏼❤️
Hi bro..could please reply of my comment. Me and my husband came uk in 2022 may as a student spouse visa and now me on skill worker and he has dependent visa. We both have full time job and one year pay slips as well as 25% deposit. We tried to buy house from last 6 months via agency but they always said they are unable to find landers. Could you please tell me when we are able to buy house.
Hi Gaurav ... Fantastic video. These informative videos are really helpful to new comers to UK, who do not know a thing (like me)! These videos are a great source of trustworthy and guiding info...Keep it up ! One question (also could be your next video idea!) : Tax relaxation on House mortgage. Does UK government offers any tax deduction or tax relief for buyers like Indian government? Thanks !
thank you gaurav bhai for this genuine information.we are also looking for our own House.keep it up brothers.make more informative videos like this and also make a video about freehold,leasehold and shared ownership property ..
As a Trader hum kaise buy kare home direct jese apne bataya 4 cror ka ghar ajaega bina instalments ke. Trader kis category me ayenge ? As a business person or worker ?
In visa it is mentioned "No access to public funds". What exactly does it mean. Can we avail child benefit or daycare hours. Please make video on this topic.
Your calculation for household income is before or after tax? Also, please explain how to receive gift money from your own bank account in your home country, no tax on that? Also, if you buy a house, is there any property tax?
Yes but if you don't have that money then better buy house under £425,000. Remember first thing is to get up the property ladder. Generally first home buyers buy under £425000 so they don't have to pay stamp duty.
Thanks for this informative video..very well explained. 👏🏻 Can you please make a video on whats leasehold,freehold and shared ownership? Also difference between the different types of houses? Is a flat in a building better or an independent house? Whats the difference?
Rent or EMI amount me approx Kitna difference Aaega???we have completed one year here… but do not have around 10% deposit amount with us for now….can you help?
HI FRIENDS PLEASE MUJHAY BATAOGE AGAR SKILED WORKER KI KAHI JOB CHALE JAATI HAI COMPANY KE SAATH NAHI REHTE TO KAYA FIR APNA GHAR SEL KAR SAKTE HAI HUN PLEASE BATAAO JA FIR KOI AUR SOLUTION NIKAL SAKTA HAI ?
Sorry bhai, but i contacted bank and they said you can have mortgage even if you are on PSW but the deposit will be 25% minimum and good household income
Hi avi..could please reply of my comment. Me and my husband came uk in 2022 may as a student spouse visa and now me on skill worker and he has dependent visa. We both have full time job and one year pay slips as well as 25% deposit. We tried to buy house from last 6 months via agency but they always said they are unable to find landers. Could you please tell me when we are able to buy house.
Hi book a meeting with a good reputed estate agent in your area and their financial advisor.. it all depends on your salaries as well and the budget.. but if you have minimum 2 years left on skilled visa and completed atleast 1 yr then you should be able to get mortgage.. also with 25% deposit you shouldn’t have any problem..
Ok.. i’ve three years skilled worker visa and on skill worker visa one year will be completed on April. one more thing i’ve fixed salary which is good and my husband also have good salary. But may be due to short time period we are facing to find landers. When One year will be completed then we’ll be tried again .
Brother kids k liye me computer classes search kar raha hu kese search karu jis se IT sector like app development website development ki habit dal sake kids age 8 and 6 unka English level Asha he uk and se pehle hi youtube.com/@ImEnglishspeakers?feature=shared
Which area is better where indian or Pakistani communities are residing please and affordable in London I don’t like because only 1 washroom and not airy houses
Thanks bro, I also saw ur old details videos in this subject. Let me know how can we call u if we want. I m in the UK and following u from last 2 years.
Ye to motivational video ho gya. Now i want to buy a house. Mene abhi tak credit score build ni kiya 2 saal me. Unfortunately!! Agar next 1 yr credit score build karta hu to kitna percent interest pe loan milega approximately? Any idea?
Hi Bro really informative can you make one video on doing 2 jobs one as primary (employed) second as a side hustle job (self-employed)how much TAX and NI insurance monthly our yearly you have to pay to HRMC kindly make it Briefly. Thanks Bro 🙏
Tax will be deducted through PAYE for primary job and for self employed you have to fill self assessment for any Earning minus expenses: whatever the profit you pay tax on it.. better to check with CA so you do it correctly
Hi, very informative video, I was about to invest in property last year and I've asked one morgage advisor about it but he told me that after 2 years only I can get mortage on 10% deposit and now I've 1.5 years remaining on my 3 year skill visa. So, Can I go with this 10% deposit scheme now or need to wait more for next visa renewal. Please advise me I need your guidance here.
Hi Gavrav My son is working as doctor in wrexham.on skilled worker visa.He is planning to buy home. He is having property in India on his name. What will be stamp duty in his case?
Hello! Bhaisahab! I have a curiosity about IT jobs in the UK. Hey! Could you please let me know if some IT jobs such as- Software Developer/ Web Developer / Software Engineer are available for a guy who is having 5-7 years of experience with great learnings but, not having a degree/certificate in Computer Science or Computer Engineering or any kind of degree in especially in Engineering background? Rather, he is having a simple graduate degree in Bachelor of Arts from a reputed college of a University like Delhi's.....
Absolutely! there are so many roles available that don't require a degree in the same field if you have good experience and can clear the technical interviews
Kindly guide me. We me and my wife recently moved to skilled and dependent visa . My wife is working from January 2024 to till now with 40K plus which now increased to 50k and me on student so i am earning 10k early. We just apply for Halifax mortgage but rejected. Kindly need advice. We are here in uk from September 2023 and my wife December 2023.
Hi Gaurav! Thanks for the amazing video. I would like to inquire about the taxation implications in India regarding parents sending money to us as a gift, as you mentioned earlier. Has the transfer of money from India been subjected to a 20% tax since last year?
Thanks Gaurav for this. Are we still able to get mortgage if you are left with 1 year skilled worker visa and have already been 4 years in the UK on Skilled worker visa. Basically, left with 1 year to get PR. Thanks
Hello mate, as I mentioned it's free to book a call with financial advisor in the UK so get proper accurate advise based on your salary and circumstances. Just call your nearest estate agent and ask to book a meeting with their financial advisor to understand.. if you really want to buy a house in the UK
I am Pakistani National and live in Pakistan. I want to buy a home in London... How I can buy it or may I buy on full cash or UK Bank will give me mortgage or not ?
Hiii Gaurav Muje 2 questions puchne he 1) Jo aapne bataya husband or wife ki income 70,000 hona chahiye yearly or monthly? 2) Uk me Ghar lene k baad PR mil sakta he? It’s true?
1. apne galat samjha.. Honi nahi chaiye.. it’s just an example agar ho to! jitni bhi income ho household uske hisab se aapki affordability banegi 2. No buying a house in UK won’t give you PR
On skilled worker visa, Halifax is the only one option. But it's always good to reach out to Mortgage Advisor. He can check if you have got better banks
Usually, when you sell your main home (or only home) you don't have to pay any capital gains tax (CGT) due to private residence relief. However, you'll usually need to pay capital gains tax on property if you're selling a buy to let property or second home
My brother and I are in the process of buying a new build house in Newcastle. We both are on skilled worker visa with a validity less than a year. We received mortgage offer from Barclays for 10% deposit. I guess with an excellent credit score and financial stability proven throughout your time in the UK should get you mortgage without any hassle.
Can you please share for how long you and your brother are living in the UK? Does it matter to live for couples of years in the UK on skilled worker visa to get mortgage from Barclay's on 10% deposit?
@@AhmedAli-dj7br 3 years, one year on student visa and 2+ on skilled worker visa
@AndPigsCanFly-ku6ku why would they despise on us?
May be you would have salary more than 40k per annum
I have a different view in regards to buying property in UK. I live in a high rise in London near Canary wharf and I was looking to buy a flat in my building(a 2 bhk for now). I checked on multiple homes available for sale(in my building) and could see that the property rates have not changed significantly from the time it was build(2008) till date. Many 2 bhks that were sold at around 450K at that time are listed at around 520K currently i.e. a appreciation of 70K in 15 years.
Say, I go ahead and buy a flat for 520k and deposit 20% i.e. around 104k and finance rest from bank. The EMI that I will pay would be same as rent so that would not make much of a difference on me financially.
Now the 104k that I paid from my pocket(not even considering other fee), I can invest in some other asset class and I am pretty confident that in 15years, I can grow it to atleast 280K i.e. a profit of around 180K(being conservative and considering return of only 7% per year).
Buying your own place have attached emotional values but in my opinion if someone is not sure if they want to settle here, please do consider this before deciding on to either buy or rent.
**This calculation might not hold true for all properties but it is the case for few areas that I am looking into.
Pretty much in the same boat. Live in London in a high rise and 2BHK properties that we are looking in our area in Zone 4, Riverside is around 750-780k.
We are looking to live here for prolly another decade. In our case we may end up paying a little more than rent and even the luxury home build quality is not all that fantastic and things start breaking down after a year or 2 or less than it. And in the name of service tax collected by the estate agents is ridiculous & is a highway robbery! Current owners had an increase of service charge by 170% .. ROFL ...
For now it looks like we'll be on rent for few years as it'll give us flexibility to change homes every 2-3 years and go to a new build or move out of London (if NHS posting happens elsewhere for one us)
Properties appreciate in London (and UK) not more 3% at the best case? Don't quote me on this :D
Fantastic video for people who are looking to buy elsewhere in London. But buying properties for the sake of investment and making a profit is a terrible idea in here or so it seems to some of us. Totally agree with Ankit and his investment strargery.
Thank you guys.. information at its best.. very helpful… keep up the good work❤
Hello Gaurav Bhai first of all I would like to thank you for greeting me so well when you were in the car with uncle. I met you at the regent street lights leamington, but unfortunately aap traffic mei the to zada baat nhi ho paayi. My friend was telling you recently visited Kadak Chai, hope firse apse milna ho. I also wanted to tell you ki you are doing an amazing work coz me n my wife were planning for buying a house but we were not sure at all and this video was just what we wanted. Love you guys and a huge round of applause for your hard work and efforts.
You got one more subscriber. Thanks for sharing this information on the mortgage.
Thank you much your advice, sir. now i feel to buy my own house 🙏
Been following you guys since 2/3 years now…… very informative and too the point ….. thanks and more power to u both
Awesome! Thank you! ❤️🙌🏼
Can you please tell us how much stamp duty we need to pay if we own property in India? What was the situation in your case. How much stamp duty you had to pay
As usual a very informative and helpful video. Keep up the good job Gaurav and Avi.
I am very grateful for the information.
Thank you very much ye video important tha....thank you for this video bro🎉
Hi Gaurav, thank you for sharing such a helpful video. Just to add that you can get the mortgage by 5.5 times. There are many lenders who consider 5.5 times on skilled worker visa. I just got mine :) also it is not mandatory at all you must have 2 years on your visa expiry date, My current skilled worker visa is expiring in July 2025 and I just got my mortgage approved.
Thanks for sharing 👍🏻 afterall it all depends on individual’s salary, expenses and visa status so as I mentioned a certified financial advisor would be able to check and calculate accurate affordability.. but thanks again for sharing your info. 🙌🏼❤️
Hi Karan. Can you please let me know which lender offered you for mortgage? Is 10% down payment your deposit? Thanks
Hi bro..could please reply of my comment. Me and my husband came uk in 2022 may as a student spouse visa and now me on skill worker and he has dependent visa. We both have full time job and one year pay slips as well as 25% deposit. We tried to buy house from last 6 months via agency but they always said they are unable to find landers. Could you please tell me when we are able to buy house.
Which bank offers
Thank you for sharing... U r doing great job by providing such useful information.. Thanks alot!! Keep doing good work! 😊
Most welcome ❤️🙌🏼
Hi Gaurav ... Fantastic video. These informative videos are really helpful to new comers to UK, who do not know a thing (like me)! These videos are a great source of trustworthy and guiding info...Keep it up !
One question (also could be your next video idea!) : Tax relaxation on House mortgage. Does UK government offers any tax deduction or tax relief for buyers like Indian government?
Thanks !
thanks mate 🙌🏼 only Stamp Duty relief as far as I know for first home buyer
Thank You Gaurav. This was very helpful. 🙂
thank you gaurav bhai for this genuine information.we are also looking for our own House.keep it up brothers.make more informative videos like this and also make a video about freehold,leasehold and shared ownership property ..
Thank you gaurav this is so much helpful
Brilliant video. However, you should cover Lifetime ISA as well. That would be helpful for others.
Thanks we have covered that in another video 👍🏻
Very informative video
Informative video... Thank you so much 🙏🏽
Glad it was helpful! 👍🏻
Very informative can you guide which is good to buy home new or old??
Nice video brother
As a Trader hum kaise buy kare home direct jese apne bataya 4 cror ka ghar ajaega bina instalments ke.
Trader kis category me ayenge ? As a business person or worker ?
Good 😊
Thanks for sharing this info ℹ️!!
Thanks, video is informative!
Thanks a lot Gauravbhai
..and my next curiosity is about why UK companies do not provide Scale Up Worker Visa. Kindly help us to know about reality.
can you recommend your solicitor and mortgage advisor please
In visa it is mentioned "No access to public funds". What exactly does it mean. Can we avail child benefit or daycare hours. Please make video on this topic.
Sure will do 👍🏻
Excellent informative video
Glad it was helpful!
Good job👍👍👍👍
I really appreciate 🇬🇧🇬🇧🇬🇧
Thank you!
Your calculation for household income is before or after tax?
Also, please explain how to receive gift money from your own bank account in your home country, no tax on that? Also, if you buy a house, is there any property tax?
Informative
thanks 🙌🏼
Thank you sir for the information
Can we get a house on mortgage and rent it to pay the emi monthly with the rent
It’s called Buy to let property.. you can google it and read about it
sir agr uk mei kisne apna bussisness pr bhi ek video bndo ji
Along with 10% down payment, and solicitors/mortgage advisor fee, we need to keep money for stamp duty also for houses above £425,000
Yes but if you don't have that money then better buy house under £425,000. Remember first thing is to get up the property ladder. Generally first home buyers buy under £425000 so they don't have to pay stamp duty.
@@HumTumInEngland That's True. 🤞🤞 All the very best to new home buyers in the UK.
Very very helpful video
Thanks for this informative video..very well explained. 👏🏻
Can you please make a video on whats leasehold,freehold and shared ownership?
Also difference between the different types of houses?
Is a flat in a building better or an independent house? Whats the difference?
Sure I will 👍🏻
Rent or EMI amount me approx Kitna difference Aaega???we have completed one year here… but do not have around 10% deposit amount with us for now….can you help?
Atm emis are higher due to increase rate of interest
Can we increase tenure then?
Hi Gaurav
Very informative video
If possible can make same video on about shared ownership houses please
coming soon 👍🏻
Good information
Thanks 👍🏻
HI FRIENDS PLEASE MUJHAY BATAOGE AGAR SKILED WORKER KI KAHI JOB CHALE JAATI HAI COMPANY KE SAATH NAHI REHTE TO KAYA FIR APNA GHAR SEL KAR SAKTE HAI HUN PLEASE BATAAO JA FIR KOI AUR SOLUTION NIKAL SAKTA HAI ?
What about settlement visa. I’m eligible to buy a house with mortgage?
Could you please guide us which lenders give mortgage on 10% deposit?
I just got my skill worker visa this. Month but i’ve been in uk since 4 years can i apply for mortgage ??
Can you talk about the stamp duty charges here and what is the best path to follow for that as it is quite high
Stamp duty is mandatory to pay but first time buyers are exempt from paying it
Sorry bhai, but i contacted bank and they said you can have mortgage even if you are on PSW but the deposit will be 25% minimum and good household income
Beta illegal ho tab bhi ghar mil jayega, dega 100% payment ?
Konsa maal tha bhai …. Strong lag raha hai
which is difficult, or u should come as a millionaire from back home
Nice sir g
Hi avi..could please reply of my comment. Me and my husband came uk in 2022 may as a student spouse visa and now me on skill worker and he has dependent visa. We both have full time job and one year pay slips as well as 25% deposit. We tried to buy house from last 6 months via agency but they always said they are unable to find landers. Could you please tell me when we are able to buy house.
Hi book a meeting with a good reputed estate agent in your area and their financial advisor.. it all depends on your salaries as well and the budget.. but if you have minimum 2 years left on skilled visa and completed atleast 1 yr then you should be able to get mortgage.. also with 25% deposit you shouldn’t have any problem..
Ok.. i’ve three years skilled worker visa and on skill worker visa one year will be completed on April. one more thing i’ve fixed salary which is good and my husband also have good salary. But may be due to short time period we are facing to find landers. When One year will be completed then we’ll be tried again .
Thanku for information
Welcome 🙌🏼
Thanks 🙏 brother
Welcome👍🏻
Brother kids k liye me computer classes search kar raha hu kese search karu jis se IT sector like app development website development ki habit dal sake kids age 8 and 6 unka English level Asha he uk and se pehle hi youtube.com/@ImEnglishspeakers?feature=shared
Which area is better where indian or Pakistani communities are residing please and affordable in London I don’t like because only 1 washroom and not airy houses
council tax or band kaise dekhe new house buy krte vakt ??
Is the mortgage calculated on inhand salary or the salary before tax ?
After deducting all your expenses
Thanks bro, I also saw ur old details videos in this subject. Let me know how can we call u if we want. I m in the UK and following u from last 2 years.
brother for any financial advise pls speak to financial advisor we are not certified advisors
How to protect from getting into fraudulent transactions while looking for new property? Thanks
go with good estate agents and solicitors
Thanks
Can we buy house on cash.. ? On study visa ? Or skill visa ? Or as business reg llc
Can a visitor buy property in uk in cash without bank mortgage
Ye to motivational video ho gya. Now i want to buy a house.
Mene abhi tak credit score build ni kiya 2 saal me. Unfortunately!!
Agar next 1 yr credit score build karta hu to kitna percent interest pe loan milega approximately? Any idea?
Hi Bro really informative can you make one video on doing 2 jobs one as primary (employed) second as a side hustle job (self-employed)how much TAX and NI insurance monthly our yearly you have to pay to HRMC kindly make it Briefly. Thanks Bro 🙏
Tax will be deducted through PAYE for primary job and for self employed you have to fill self assessment for any Earning minus expenses: whatever the profit you pay tax on it.. better to check with CA so you do it correctly
@@HumTumInEngland If you can make one elaborate video on this topic that will be great 🙏
what if someone does"nt have a spouse but meets all the criteria?
You don't need to have a spouse to own a house in the UK. If you fulfill all the requirements then you can buy a house in the UK.
Gorav ji aap or avee bhut achi lagte ho mujhe m jb uk auge na apko jrur miluge aap mil loge na ❤❤
Hi, very informative video, I was about to invest in property last year and I've asked one morgage advisor about it but he told me that after 2 years only I can get mortage on 10% deposit and now I've 1.5 years remaining on my 3 year skill visa. So, Can I go with this 10% deposit scheme now or need to wait more for next visa renewal. Please advise me I need your guidance here.
Bro, please also make a video on shared ownership
Indian bank se pese transfer krke le skte h kya ?
Health care visa walay ly sktay own house??
Hi Gavrav
My son is working as doctor in wrexham.on skilled worker visa.He is planning to buy home. He is having property in India on his name. What will be stamp duty in his case?
Financial advisor will calculate based on property value!
@@HumTumInEngland ok
Thank you for this video ❤ do you suggest shared ownership property?
Nops better to buy whole house!
@@HumTumInEngland thank you ❤️
on 315000.00 pound loan what will be the monthly instalment. and who much rent can be earn from the same.
hello pl answer.
Hello..
What do you think about the shared ownership house ?
Is it good or bad ?
I have made a video on this topic please check
@@HumTumInEngland thank you..
Useful video as always. Do you have an opinion if its okay to buy a flat instead? Being in London, the home prices are super expensive.
It comes with some disadvantage.. I’ll be explaining about it in upcoming video
Hi Gaurav, is it worth arranging an independent surveyor?
Yes for new house Snagging survey
Can you get a mortgage if you get a skilled worker visa for 5 years recently?
if you recently got skilled visa then if you have 25% deposit then you have a chance 👍🏻
Hi , thank for information Paji doing good job I have some questions about buying property in the uk how I can contact with you
Hello sir
The salary net or gross
Hello! Bhaisahab! I have a curiosity about IT jobs in the UK. Hey! Could you please let me know if some IT jobs such as- Software Developer/ Web Developer / Software Engineer are available for a guy who is having 5-7 years of experience with great learnings but, not having a degree/certificate in Computer Science or Computer Engineering or any kind of degree in especially in Engineering background? Rather, he is having a simple graduate degree in Bachelor of Arts from a reputed college of a University like Delhi's.....
Absolutely! there are so many roles available that don't require a degree in the same field if you have good experience and can clear the technical interviews
Thank you so much for letting me know. 🙏✨
Apply for graduate roles
Kindly guide me. We me and my wife recently moved to skilled and dependent visa . My wife is working from January 2024 to till now with 40K plus which now increased to 50k and me on student so i am earning 10k early. We just apply for Halifax mortgage but rejected. Kindly need advice. We are here in uk from September 2023 and my wife December 2023.
Hi Gaurav! Thanks for the amazing video.
I would like to inquire about the taxation implications in India regarding parents sending money to us as a gift, as you mentioned earlier. Has the transfer of money from India been subjected to a 20% tax since last year?
Hello mate, I believe as it’s gift money so no tax but I would advise you to check with a CA first
Very useful info,we are about to have PR, how much deposit we need to pay?
depends on various factors, house cost, your salary, affordability etc.. its better to get the PR first you have better mortgage offers from banks
Gaurav bhai kya shared ownership pay Ghar lene ka kya benifit or drawback he
will make a video on this soon 👍🏻
bhai ghar lene ke baad main agar main applicant ka visa cancel ho jaye toh ghar ka kya hoga?
if you can’t find another job then sell the house otherwise you have to make the mortgage payments from your pocket..
Hlo bro..agar single person aye yaha pe skilled work visa pe kya tabh bhi le skte h hmm house uk main??
yes why not! based on your salary see what you can afford 👍🏻
All benefits given to aslyum seeker or illegal, those who are legally from years ,we struggle in all ways 😢
What is the mortgage duration in uk?
it could be from 25-40 years depending on your age, deposit and other factors
Thanks Gaurav for this. Are we still able to get mortgage if you are left with 1 year skilled worker visa and have already been 4 years in the UK on Skilled worker visa. Basically, left with 1 year to get PR. Thanks
Hello mate, as I mentioned it's free to book a call with financial advisor in the UK so get proper accurate advise based on your salary and circumstances. Just call your nearest estate agent and ask to book a meeting with their financial advisor to understand.. if you really want to buy a house in the UK
Please jo single h aur skilled work visa pe h wo ghar buy kar skte h.
yes
Hi
Are there any chances to get house after spending two year in uk on skilled worker visa
Yes, definitely! check with Financial advisor for your options
could u let me know best place to get new house London
Can uk government know about property in india?
What if pay all in cash .." Student trading money 😊
I am Pakistani National and live in Pakistan. I want to buy a home in London... How I can buy it or may I buy on full cash or UK Bank will give me mortgage or not ?
Bro can you make a video on the income tax system and tax slab for Uk how to save on taxes and when and how to pay taxes please
already on our channel bro
Which bank offer 90% loan pls reply
Hiii Gaurav Muje 2 questions puchne he 1) Jo aapne bataya husband or wife ki income 70,000 hona chahiye yearly or monthly?
2) Uk me Ghar lene k baad PR mil sakta he? It’s true?
1. apne galat samjha.. Honi nahi chaiye.. it’s just an example agar ho to! jitni bhi income ho household uske hisab se aapki affordability banegi 2. No buying a house in UK won’t give you PR
Which all bank generally give 90% mortgages??? Not sure about such bank, didn’t came across any of them
There are some book a free consultation with financial advisor as I mentioned in the video they will tell you..
On skilled worker visa, Halifax is the only one option. But it's always good to reach out to Mortgage Advisor. He can check if you have got better banks
After 10% deposit, can I get whole 90% money as mortgage?
depends on several factors.. better to have a call with mortgage advisor
If we sale the house ,need to pay tax on it?
Usually, when you sell your main home (or only home) you don't have to pay any capital gains tax (CGT) due to private residence relief. However, you'll usually need to pay capital gains tax on property if you're selling a buy to let property or second home