I am mesmerized as to how these two doctors have mastered ADULTING... congratulations. We really learn a lot from the both of you. I am really hoping to follow in your foot steps.
Fantastic video, Drs Ibreez and Ibrahim! Your journey through the UK home-buying process is not only inspiring but also packed with practical wisdom, especially for those on a Tier 2 visa. I also bought my first house on Tier 2 within my 1st year in the NHS. This was a few years ago. I wish I had come across videos like this back then as it felt quite daunting. Your insights on location, mortgages, and credit management are spot-on. Now, in 2023, I think the strategic use of financial tools like LISA (Lifetime ISA) for boosting deposits is a crucial tool for IMG Doctors in the current economic landscape of high-interest rates and living costs. Every bit of savings truly counts! Your ability to demystify complex topics is commendable. Great work and I'm eagerly looking forward to your next video!
Anyway to find out how much you guys %put in as a deposit and what mortgage rate did they offer you? Also regarding selling the property before paying off the mortgage. Many thanks for the useful videos
Hi. Highly informative video. Thank you. Could you please tell when should we do snagging? After giving offer or after signing contract or just before handing over key?
Why did you'll take the mortgage route islamic banking would be a better option right? As it's interest free the musharakah route what are your opinions maam/sir?
@@RoadToUK Hey thanks for getting back. I wanted to know which bank/lenders let you put down a downpayment of less than 25-30% if you are on a Tier-2 visa and haven't been in the country for more than 5 years? Thanks!
Really useful vlog👍🏻 thanks for all your efforts.. Well i wanna know two things 1)like when I'll enter into an IMT 1st yr is it possible to continue my training in that area from IMT1 to ST7 and then probably join as a consultant in nearby hospitals like around 40miles of radius or so? I know its difficult to suggest as its variable but still wanna know some places or deanery where i dont have to move frequently.... 2)What is more suitable for schooling of kids? Like govt sponsored schools or private schools in UK? So please suggest me some areas in UK where I'll find good govt schools, college,not a very costly busy city but definitely a beautiful landscape with a good neighborhood for an Indian doctor (I'm flexible with any kind of people) Thanks in advance 🙏🏻
1) You'll know when you apply for IMT what areas you'll be in. When you later apply for specialty training (ST), you can choose to apply only within the area you want to stay. For a consultancy post, when you reach the end of your ST, you can keep an eye out for available posts or even speak to HR so that they can inform you if anything becomes available. 2) It's dependent on the area you are living in and your personal preference. Check the Ofsted website for more information and advice.
Hi.. I just wanted to ask if you know about working as an IMG in Scotland, especially Dundee. Are the processes similar to England? The cost of living? Is it worth it? And can I shift to Scotland after initially applying for and starting a job in England?
Cost of living varies across the country as it does in any other country. The process for registration, etc is the same, as well as job applications. Job contracts are the only thing that really differs.
Hello, thank you very much for the very informative video. How did you find the mortgage lender ? I am stuck at this step. The financial advisors I deal with told me totally unrelated things relevant to expats.
No as per what i know, after 5 to6 years you need to sit for an exam If learn the history and culture of uk, then if you pass the exam you might get the pr.
one question: do trainees after the training get jobs in the same hospital/institution or nearby? it’s something to consider when buying a house during training. isn’t it?
You rank where you want to train. Most tend to buy if they feel they can continue in a particular area, or if they are in run through training, which means they'd stay in the same program for the full duration until they are consultants.
Riba , mortgage, dealing with interest , whatever you wana call it, is not permissible in Islam . There is no such thing as halal mortgage, it’s called backdoor riba! Regardless of what kind a mortgage they took, it’s not allowed in Islam, unless a home is paid off fully. What I don’t understand is muslims these days will keep a beard, eat halal , wear hijab but on the flip side promote riba?! What a shame..
@@sumik2130 you have no right to tell them what they can do or not do. Stop judging people. If you dont want to take a mortgage then dont. Stop enforcing your beliefs on others. And also there is something like a halal mortgage. I request you to look into it before commenting
As you're telling about the credit score, I believe you might have the credit card(s). My question is how did you manage to get the credit card(s) in the UK? I came across a lot of websites and videos telling me that I should be a permanent resident, in order to get one. If not the credit card(s), did you build the credit score using a current/checking account? Can you please help with this? That would be great.
Thank you for the video, pls as a doctor in NHS, I remember you mentioned in your video about getting mortgage advisor that understands doctors pay. Most mortgage advisors don’t include bank shifts in affordability criteria. Do you know if bank shifts should be included and Can you recommend any mortgage advisors that include it pls?
@@RoadToUK My husband does both permanent contract and bank shift while I do only bank shifts but not to worry, I already spoke to a mortgage advisor and got it sorted. Thanks anyways.
Once you've finalized what you're buying and have done the initial paperwork? Not too long. The signing and completion can be done in as little as a week.
Hello, very informative video actually, my wife is an IMG working here, and I am an academic, we are planning to get a place soon. My question may sound silly but still needed to be asked. When getting a loan from the bank to buy a house or even gauging the credit score, do they consider only one person's income and credit score or those of both husband and wife? Is the loan offered to only one person or to both spouses (based on annual income and credit scores of both) when buying a house? Thanks in advance.
The loan is offered to and the credit check is done on whoever applies for it. If only your wife applies, they will look into her finances. They may ask in the application process if there is another individual who contributes to finances, where you can mention any contribution you may have as well.
Hi...thanks for the great video...Ur Channel is amazing for IMGs. Just a request...Can u upload a video on how to practice dermatology & scopes, positions/ career progression for an IMG MD Dermatology in UK. I'll be completing my MD dermatology from India next yr & planning to give MRCP in 2022/23. Thanks & regards 😊🙏
Hii dr…My brother went to Leeds Beckett university to study. He is looking for a house in the area around that university....If there is a house to buy in that area, please help us.🙏🏻🙏🏻If you have any contact, please inform us big help.!!! Thank you 🙏🏻🙏🏻
@@RoadToUK Thanks ! For the same price : Is it cheaper to live in a home or a flat?. Because Ive grown to understand that big lawns mean more maintainece. And often in UK flats are more expensive to live in than homes !
It really depends on your specifications. Some flats like you've said can cost more than larger houses. It's down to location and layout. Also, some flats have a garden space as well (not as large as houses but still).
The channel has grown tremendously. if possible and your budget allows, invest in a better camcorder and mic system preferably with a much higher frame rate and also try to make the lighting a bit more softer while filming.
Mortgage is haram and a major sin in Islam sister. I havent seen the whole video but if your promoting others to do it then your going to have issues in the Akhirah. I remind you as well as myself to Fear Allah. Taking interest is a one way ticket to hell and severe punishment in the afterlife.
![ตีสิบเดย์ [FULL] | เปิดใจ "อาจารย์ เบียร์ ฅนตื่นธรรม" นักสนทนาธรรมสายดุดัน!](http://i.ytimg.com/vi/vqaBI_mnoDk/mqdefault.jpg)
I am mesmerized as to how these two doctors have mastered ADULTING... congratulations. We really learn a lot from the both of you. I am really hoping to follow in your foot steps.
💞💞
Fantastic video, Drs Ibreez and Ibrahim! Your journey through the UK home-buying process is not only inspiring but also packed with practical wisdom, especially for those on a Tier 2 visa. I also bought my first house on Tier 2 within my 1st year in the NHS. This was a few years ago. I wish I had come across videos like this back then as it felt quite daunting. Your insights on location, mortgages, and credit management are spot-on. Now, in 2023, I think the strategic use of financial tools like LISA (Lifetime ISA) for boosting deposits is a crucial tool for IMG Doctors in the current economic landscape of high-interest rates and living costs. Every bit of savings truly counts! Your ability to demystify complex topics is commendable. Great work and I'm eagerly looking forward to your next video!
👍🏻
The views are less..the subscribers are less...but u guys have no idea howwww useful ur videos are ❤️❤️
Thanks for saying so 😊 Please share with anyone you think may benefit!
@@RoadToUK 👍❤️
Really helpful discussion 😃 looking forward to hearing more from you. ❣️
More to come!
Great video guys! Very useful information for a very specific group of people! Keep up the great work!!
Thank you! Will do!
You guys have the best content and presentation method ...thank you for such straight forward and useful information ❤️
Our pleasure!
Anyway to find out how much you guys %put in as a deposit and what mortgage rate did they offer you? Also regarding selling the property before paying off the mortgage.
Many thanks for the useful videos
You can seel a home with a mortgage, it's not a problem.
Amazing video lovely couple, I had been looking for this as I am on this situation as well. This content has been so helpful. All the best!
Glad it was helpful 😌
Amazing job doctors, thank you for the guidance.
Our pleasure!
I'm so thankful for this video :)
:)
Could you show what place you got and for what price
Sure!
Thank you guys your videos are very informative and helpful. I wish you the best.
Glad you like them!
Hi. Highly informative video. Thank you. Could you please tell when should we do snagging? After giving offer or after signing contract or just before handing over key?
Before closing
Thank u for your effort to show a right and easy way.If some one buy a home ,it will be forever or for some times ?.is some one is able to sell again?
Our pleasure :) You can always sell it.
Amazing content as always
Glad you think so!
Good stuff guys...
Thanks!
Best honest bloggers MashAllah
Thank you so much 😊
Please make a home tour video ❤️
:)
Thank you for this ♥️
Any time!
Why did you'll take the mortgage route islamic banking would be a better option right? As it's interest free the musharakah route what are your opinions maam/sir?
We didn't say what we took but Islamic banking still calls it a mortgage.
you guys are amazing
Aw thanks!
Good Content..Keep it up!
Appreciate it!
Under which bank did you apply the mortgage? Thanks
We didn't go with a conventional bank.
Was really hoping to hear more on the visa side-wrt down payments and by which institutions :(
What do you mean?
@@RoadToUK Hey thanks for getting back. I wanted to know which bank/lenders let you put down a downpayment of less than 25-30% if you are on a Tier-2 visa and haven't been in the country for more than 5 years? Thanks!
@@sumalibajaj4665 If you use help to buy, you only need to put 5% down. Visa doesn't matter.
Do you the plab pathway and opportunities for doc in UK will get saturated in about 4 yrs ?
No one can say!
Assalamualaikum
Glad to see you again ❤️
Walaikum assalaam! Welcome back :)
you speak english fluently. Mashaa Allah
Thank you ☺️
Very informative 👍
Glad to hear that!
Really useful vlog👍🏻 thanks for all your efforts.. Well i wanna know two things
1)like when I'll enter into an IMT 1st yr is it possible to continue my training in that area from IMT1 to ST7 and then probably join as a consultant in nearby hospitals like around 40miles of radius or so? I know its difficult to suggest as its variable but still wanna know some places or deanery where i dont have to move frequently....
2)What is more suitable for schooling of kids? Like govt sponsored schools or private schools in UK?
So please suggest me some areas in UK where I'll find good govt schools, college,not a very costly busy city but definitely a beautiful landscape with a good neighborhood for an Indian doctor (I'm flexible with any kind of people)
Thanks in advance 🙏🏻
1) You'll know when you apply for IMT what areas you'll be in. When you later apply for specialty training (ST), you can choose to apply only within the area you want to stay. For a consultancy post, when you reach the end of your ST, you can keep an eye out for available posts or even speak to HR so that they can inform you if anything becomes available.
2) It's dependent on the area you are living in and your personal preference. Check the Ofsted website for more information and advice.
Is the mortgage you took and explained halal? Since you pay interests? Thanks
Even halal mortgages have a rent repayment percentage that adds to the cost of return.
Need a house tour 🤪 You guys are amazing
😁
Really helpful video...... ❤❤
☺️
What was your LTV?
Informative vedeo👍,
:)
Please can u talk about accommodations for IMG when they arrive to UK, hospitals accommodations and if there is any other options?
Please see: roadto.uk/WJ3a/ & th-cam.com/video/cM3kAV1Xf7o/w-d-xo.html
After doing my internship in India, would I be allowed to start directly as FY2 and skip FY1 in UK
Yes
Hi.. I just wanted to ask if you know about working as an IMG in Scotland, especially Dundee. Are the processes similar to England? The cost of living? Is it worth it? And can I shift to Scotland after initially applying for and starting a job in England?
Cost of living varies across the country as it does in any other country. The process for registration, etc is the same, as well as job applications. Job contracts are the only thing that really differs.
Hello, thank you very much for the very informative video. How did you find the mortgage lender ? I am stuck at this step. The financial advisors I deal with told me totally unrelated things relevant to expats.
Hi, are you a BMA member? We discussed what we did at 8:13.
Can I obtain a UK citizenship while i'm in training?
A video on various aspects of citizenship and ways to obtain it would be much appreciated :)
No as per what i know, after 5 to6 years you need to sit for an exam If learn the history and culture of uk, then if you pass the exam you might get the pr.
After 5 years on a Tier 2 visa, you are eligible to apply for Indefinite Leave to Remain (ILR). After a year on ILR, you apply for citizenship.
one question: do trainees after the training get jobs in the same hospital/institution or nearby? it’s something to consider when buying a house during training. isn’t it?
You rank where you want to train. Most tend to buy if they feel they can continue in a particular area, or if they are in run through training, which means they'd stay in the same program for the full duration until they are consultants.
@@RoadToUK okay. Thanks for clearing up.
May Allah bless you... I found every information in ur website
Glad to hear that!
If I m buying house of 260000 and I m on tier 2 visa how much I have to pay stamp duty .
It depends. You can find out when going through the process.
Have you guys looked into the halal mortgage offered by banks?? If yes why didnt you guys take that?
We never mentioned what mortgage we took :) But yes there are Islamic banks that offer mortgages.
@@RoadToUK so are they worth it? Or is it better to go with the normal mortgage?
It's subjective to your situation.
Riba , mortgage, dealing with interest , whatever you wana call it, is not permissible in Islam . There is no such thing as halal mortgage, it’s called backdoor riba! Regardless of what kind a mortgage they took, it’s not allowed in Islam, unless a home is paid off fully.
What I don’t understand is muslims these days will keep a beard, eat halal , wear hijab but on the flip side promote riba?! What a shame..
@@sumik2130 you have no right to tell them what they can do or not do. Stop judging people. If you dont want to take a mortgage then dont. Stop enforcing your beliefs on others.
And also there is something like a halal mortgage. I request you to look into it before commenting
Thanks for the video, what are the interest rates for tier 2 visa
You're welcome! Interest rates are not visa based, they are based on your salary, credit score, and loan to value.
As you're telling about the credit score, I believe you might have the credit card(s).
My question is how did you manage to get the credit card(s) in the UK?
I came across a lot of websites and videos telling me that I should be a permanent resident, in order to get one.
If not the credit card(s), did you build the credit score using a current/checking account?
Can you please help with this? That would be great.
That's not true. We had credit cards soon after starting in the NHS. Please see our guidance about it here: roadto.uk/kI5v/
Great video.
I am in the same boat.😛
Good luck!
Thank you for the video, pls as a doctor in NHS, I remember you mentioned in your video about getting mortgage advisor that understands doctors pay. Most mortgage advisors don’t include bank shifts in affordability criteria. Do you know if bank shifts should be included and Can you recommend any mortgage advisors that include it pls?
Are you only doing locums? Do you have any contract? That tends to be the difficulty.
@@RoadToUK My husband does both permanent contract and bank shift while I do only bank shifts but not to worry, I already spoke to a mortgage advisor and got it sorted. Thanks anyways.
Housing is way cheaper in the UK compared to India loans are way cheaper just 2 to 3 or 4 percent at max
That's nice to know.
Are you guys in Core Medical Training or GP training? Please let me know what exactly is the stage you're in, when you say Internal Medicine Trainee!
Core medical training no longer exists. It was replaced by internal medicine training. Please also see: roadto.uk/xwMF
Hi! Can my mom come from India and take care of my kids while I’m at work. Is that allowed on some kind of visa . Thanks 😊
Visiting visa
Yes, please see: roadto.uk/ymR9
For me buying house in uk is hard as without interest it is hard truly
👍🏻
How long is the house buying process?
Once you've finalized what you're buying and have done the initial paperwork? Not too long. The signing and completion can be done in as little as a week.
Hello, very informative video actually, my wife is an IMG working here, and I am an academic, we are planning to get a place soon. My question may sound silly but still needed to be asked. When getting a loan from the bank to buy a house or even gauging the credit score, do they consider only one person's income and credit score or those of both husband and wife? Is the loan offered to only one person or to both spouses (based on annual income and credit scores of both) when buying a house? Thanks in advance.
The loan is offered to and the credit check is done on whoever applies for it. If only your wife applies, they will look into her finances. They may ask in the application process if there is another individual who contributes to finances, where you can mention any contribution you may have as well.
@@RoadToUK Thanks very much for this info.
Please use a realistic situation. No house is worth 100k in the UK now
It's an example to allow for easy math.
Can we take out 25 or 30 year mortgage loan even if we are on tier 2 and have not yet become resident of uk??
Yes.
@@RoadToUK what if i use that loan for investment purposes..like taking out a loan and then putting a tenant in there?
Does it affect ILR application? What if I decide to rent it out after 2 years?
No. You can rent, but you'd need to discuss this with and get permission from your mortgage company.
@@RoadToUK Thank you. Much appreciated.
where is rent vs mortgage calculator?
www.allagents.co.uk/calculator/mortgage-rent/
Hi...thanks for the great video...Ur Channel is amazing for IMGs.
Just a request...Can u upload a video on how to practice dermatology & scopes, positions/ career progression for an IMG MD Dermatology in UK.
I'll be completing my MD dermatology from India next yr & planning to give MRCP in 2022/23.
Thanks & regards 😊🙏
Please see: th-cam.com/video/SirciiU2y7U/w-d-xo.html & roadto.uk/okBo/
@@RoadToUK Thanks a lot.. Will revert in case I am superconfused😄..
Thanks again😊🙏
Did you made this video on poco 3
Haha, no, but our latest video is poco made :)
@@RoadToUK I am keeping an eye on your videos to see the camera results 🤣
Can I get health insurance in uk without PR
The UK has a national healthcare service that provides universal coverage to residents. You don't need a permanent residency status to be under it.
Is the healthcare worker visa a tier 2?
Yes.
House tour please.
👍🏻
Can u post a video on relocation to Uk
What would you like it to cover?
Hii dr…My brother went to Leeds Beckett university to study. He is looking for a house in the area around that university....If there is a house to buy in that area, please help us.🙏🏻🙏🏻If you have any contact, please inform us big help.!!! Thank you 🙏🏻🙏🏻
Sorry, we have no idea about the housing market in that area.
Video on Home vs Flat pls 😃😃
Haha :) It would be down to how big of a space you'd want/need!
@@RoadToUK Thanks ! For the same price : Is it cheaper to live in a home or a flat?. Because Ive grown to understand that big lawns mean more maintainece. And often in UK flats are more expensive to live in than homes !
It really depends on your specifications. Some flats like you've said can cost more than larger houses. It's down to location and layout. Also, some flats have a garden space as well (not as large as houses but still).
@@RoadToUK Thanks a lot !
Love from Bangladesh.
:)
Hy sir
I have a quation
Can i call may widow mother to live with me on tire 2 visa
She can come on a visit visa: roadto.uk/ymR9
How to avoid interest for muslims? Is it possible to still buy car oe house?
You can contact Islamic banks.
do you know any halal mortgage company?
Al Rayan bank does.
How much does a house cost you...average 🤔
Depends. How big is it? Where is it located? How old is it? Does it have a small yard or a large one?
❤
🙂
Madam... Plz slow ua english speed
👍🏻
Love from ,,,Italy,,,,,,🇮🇹🇮🇹🇮🇹🇮🇹🇮🇹🍷🍷🍷🍷
:)
The channel has grown tremendously. if possible and your budget allows, invest in a better camcorder and mic system preferably with a much higher frame rate and also try to make the lighting a bit more softer while filming.
Are you offering to buy?
You can always support us in our growth- roadto.uk/coffee !
Can you make a vlog on how muslims in UK could buy a property in a halal way. Thank you. And would you recommend a bank in the UK for muslims.
The process is exactly the same. They may change terms like 'interest' to 'rental rate' but the steps don't change.
I am M.D.Ayush Doctors I wanted a job in the UK if you will
your degree must be recognized by general medical council of the Uk. ayush doctors as if ayurvedic?
You'll need to see if your degree is accepted by GMC first.
Great channel! I know you’d enjoy our channel too! Please let us know what you think and go and have an amazing! 😊🌺
:)
Wow.....damn cute english.....wat ed the entire video just to see you talk.....
😊
I am so interested in knowing meaning of your names😂 Ibreez and Ivan. I first read them and I thought you both are Arabs😂
Ibreez is Arabic and means 'pure gold'. Ivan is Hebrew and means 'God is gracious'.
Mortgage is haram and a major sin in Islam sister. I havent seen the whole video but if your promoting others to do it then your going to have issues in the Akhirah. I remind you as well as myself to Fear Allah. Taking interest is a one way ticket to hell and severe punishment in the afterlife.
Thanks for your opinion 😊
@@RoadToUK my "opinion" is from the rule of Allah SWT and his messenger 😃
@@manlikeak Okay!
Yea thanks for showing people how to drown in debt and also sell your faith for dunya.
We appreciate your perspective!
Sumi K, please take your medications for mental health regularly.
Disgusting scams! Just saying nonsense for money!
?
you guys are awesome.
Thanks :D