Thanks ✌️

Glad it was helpful!

Yes, it's generally true that new builds in the UK tend to attract higher council tax bands. The reason is that council tax bands are determined based on the property's estimated value as of April 1, 1991, in England and Scotland (April 1, 2003, in Wales). Since new builds are modern, they are often valued higher than older properties of a similar size and type, leading to a higher council tax band. Our council tax band is D, and we pay £222 monthly.

Thanks so much for the explanation and information. God bless you always. Looking forward to more videos from you.

@@Beraka09 No worries.

Thank you.

Yes, it’s highly recommended to have all the money needed for the deposit, hidden costs, and any other associated expenses ready before applying for a mortgage and purchasing a new build from St Modwen (or any other developer). However, if you have a heavy flow of liquid cash, you can have only your deposit saved and wing the hidden costs, or you can get it from negotiating. Here's why: 1. Mortgage Application Requirements Deposit: Most mortgage lenders require a certain percentage of the property's value as a deposit. Having this amount ready before applying for the mortgage is crucial, as it will be a key factor in determining your eligibility and the terms of the mortgage. Proof of Funds: Lenders typically require proof that you have the necessary funds available for the deposit and other costs. If you don’t have these funds ready, your mortgage application might be delayed or even denied. 2. Hidden and Additional Costs Stamp Duty: Depending on the property value and your location, you may need to pay stamp duty or a similar property tax. This can be a significant amount that needs to be accounted for. You will not need to pay for stamp duty if you are a first-time buyer and the property's value is under £425,000. Legal Fees: You'll need to pay for conveyancing, which involves a solicitor or conveyancer handling the legal aspects of the purchase. Depending on how strong your negotiation skills are, you could negotiate for your solicitor's fee to be paid by the developer. The only covet is that you might have to use a solicitor recommended by the developer. Mortgage Fees: Some mortgages have arrangement fees, valuation fees, or other associated costs. To avoid this cost, you can choose a mortgage without a fee. Surveys and Inspections: Even for a new build, you may want to conduct independent inspections or surveys to ensure everything is in order. You can wing this cost if you have family and friends who are surveyors and are willing to help you do this for free or at a discounted price. Moving Costs: Consider moving costs, including removal services, storage, and any necessary renovations or furnishings. Again, you can wing this cost if you have family and friends willing to help you move. 3. Financial Cushion Even in a new build, unexpected costs can arise, such as issues discovered after moving in or additional features you may want to add. Having a financial cushion ensures you’re not caught off guard. Likewise, knowing you have all the funds necessary helps you budget effectively and reduces stress during the buying process. 4. Avoiding Delays Having all the necessary funds ready helps ensure a smoother, quicker process from application to completion. Delays in securing funds can lead to missed deadlines, which might jeopardize your purchase, especially if you’re working within the timelines of a new build. 5. Stronger Buyer Position (Negotiation Power) If you can demonstrate that you have the funds ready, especially your deposit, you may be in a stronger position to negotiate with the developer or secure the property without issues. In conclusion, it’s best to be fully prepared financially before starting the process of buying a house. This preparation ensures you can handle all costs associated with the purchase and reduces the risk of financial stress or complications during the buying process.

@@pathwayukThank you so much for taking the time to give such a detailed answer. I have been searching for this answer for a few months now. Your videos have been very helpful. Wishing you all the best with the growth of your channel as you deserve

@NafisasPearlz My pleasure. I wish you all the best with your house purchase. ❤️

A high-yield savings account or a money market account would likely be the best choices. They provide a good balance of interest, security, and accessibility, which are key for an emergency fund.

@pathwayuk thank you for your prompt response. I am new to investments so I'd obviously have to do personal research on all these terms/accounts and what they do. Any Useful links for investment newbies 🙈 like me would be helpful😊. Thank you!

@@inyenenkereuwem8416 That's fine. I can relate. I was in your position three years ago. I have a video on Investing in the UK for Beginners & How I Invest My Money. In the video, I discussed my investment strategies and shared valuable insights designed specifically for beginners. Whether you're looking to invest in stocks, bonds, or other assets, the video will equip you with essential knowledge and practical advice to help you make informed decisions. Here is the link to the video: kzfaq.info/get/bejne/fs98fNuGr7qlZ2w.html As always, if you have any questions or need further clarification on something I said while watching the video, leave a comment, and I will do my best to reply.

Glad it was helpful!

Thanks for pointing this out. Prescriptions are not free in England, where I live; most people here pay for them.

Good evening! To give you a rough estimate of the cost of living in the UK, I’ll break down common expenses and then convert them to USD. Prices can vary depending on the city, lifestyle, and other factors, but this should give you a general idea. 1. Housing (Rent) London: $2,500 - $4,500 (for a 1-2 bedroom apartment in the city centre) Other cities (e.g., Manchester, Birmingham): $1,200 - $2,500 2. Utilities (Electricity, Water, Gas, Internet, etc.): $200 - $300 per month 3. Groceries: $300 - $600 per month 4. Transportation Public Transport (monthly pass): $100 - $250 (depending on the city and distance travelled) Car (fuel, insurance, maintenance): $300 - $500 5. Dining Out Occasional restaurant meals (mid-range): $200 - $400 6. Entertainment and Miscellaneous; $200 - $400 7. Healthcare: NHS is free at the point of service, but private insurance can cost $100 - $200 monthly, depending on coverage. 8. Miscellaneous Expenses (clothing, personal care, etc.); $100 - $200 Total Monthly Cost: London: $3,600 - $6,400 Other Cities: $2,200 - $4,750 Additional Notes: Exchange Rate: GBP 1 = USD 1.25 (as of recent data). This may fluctuate. Comfortable Living: These costs assume a moderate lifestyle, not extravagant but with some room for leisure and savings. London vs. Other Cities: London is significantly more expensive, especially regarding rent. This breakdown should help you plan your budget if you're considering living in the UK. Costs can vary, so keeping an eye on exchange rates and adjusting your budget accordingly is a good idea.

@@pathwayuk Ty so much 😊

@@tlmcoolbreeze1595 My pleasure.

When you arrive at the UK port of entry, it's possible, but not guaranteed, that the immigration officer might ask about your accommodation arrangements. They typically ask questions to ensure that your plans in the UK are clear and that you have a legitimate place to stay. If you're staying with a friend, you won't have a formal accommodation contract like you would if you were renting a place. However, having a letter from your friend confirming that you’ll be staying with them is a good idea. The letter should include: 1. Your friend's full name and address. 2. A statement confirming that you are welcome to stay with them during your time in the UK. 3. The duration of your stay. 4. Contact details in case the immigration officer needs to verify this information. Additionally, if asked, your friend should be able to provide proof of their address, such as a recent utility bill or rental agreement. While it's not common for immigration officers to demand this documentation, being prepared can help avoid any potential issues. They are more likely to focus on your visa, financial stability, and the purpose of your visit, but showing that you have a place to stay can be reassuring for them.

@@pathwayuk thank you very much for this

@@ajitegladys1530 You are most welcome.

You're welcome! Here are the answers to your questions: 1. Staying with a Friend in the UK Without Booking an Airbnb Yes, you can stay with a friend in the UK without booking an Airbnb or similar accommodation. However, if you're applying for a visa (such as a student visa), you may need to provide proof of your accommodation arrangements to UK Visas and Immigration (UKVI). Staying with a friend is generally acceptable, but you might need to provide a letter from your friend confirming that you have permission to stay with them, along with proof of their address (such as a utility bill). The UKVI typically won't have an issue with this as long as you provide clear and honest information about your accommodation plans. However, they might query the arrangement if they believe it’s unclear or if it doesn’t seem to align with the length of your stay. 2. Studying in London and Commuting from Outside Yes, it is possible to study in London and commute from a location outside London, even if the commute is around 2 hours and 80 minutes (which is 3 hours and 20 minutes) per day. Many people commute to London from surrounding areas for work or study. However, it’s essential to consider the impact of such a long commute on your daily routine and studies. You will also need to factor in the cost of transportation and how it fits with your schedule. 3. Railcard Accessibility for Those Above 40 The primary railcards in the UK (such as the 16-25 Railcard or the 26-30 Railcard) have age restrictions. However, there are railcards available for people over 40: Senior Railcard: Available to anyone aged 60 or over. Two Together Railcard: Allows two named people, regardless of age, to travel together at a discount, but they must travel together on every journey. Network Railcard: Available to anyone over 16, offering discounts on travel in the South East of England. If you are over 40 but not yet 60, the Two Together Railcard or the Network Railcard could be suitable options. Let me know if you need further clarification on any of these points!

@@pathwayuk For a two year course, please how much exactly am I expected to pay for IHS (actual fee will suffice)? Some agent say 2years, while others say 2years 6months. I am confused and need help.🙏

@@basseyekpe2959 The Immigration Health Surcharge (IHS) is calculated based on the length of your visa, not just the length of your course. For a two-year course in the UK, the visa is often issued for slightly longer than the course duration, which can include additional months before and after your course. For a two-year course with an Immigration Health Surcharge (IHS) fee of £776 per year, here's the calculation: Typical Visa Duration for a Two-Year Course Course duration: 2 years. Visa duration: Usually 2 years plus an additional 4 to 6 months (to cover time before the course starts and after it ends). IHS Calculation For 2 years of course duration: £776 × 2 = £1,552. For the additional 4 to 6 months (which typically extends the visa duration): If the extra period is 6 months or less: Add £388 (half-year charge). If the extra period is more than 6 months: Add £776 (full-year charge). Total IHS Fee If the visa duration is 2 years and up to 6 months: £1,552 (for 2 years) + £388 (for the additional 4 to 6 months) = £1,940. If the visa duration is 2 years and more than 6 months: £1,552 (for 2 years) + £776 (for the additional period exceeding 6 months) = £2,328. Summary: £1,940 if your visa is for 2 years and up to 6 months. £2,328 if your visa is for 2 years and more than 6 months. The exact fee depends on the total visa duration, so check the exact duration stated on your CAS or visa application to determine the correct IHS payment.

It's for those who are 18+ and live in the UK permanently. Starting, or have started, an undergraduate course or a level 4-7 apprenticeship that’s at least two years long. Plan to pay at least £500 into your account every four months.

Thank you, ma.

Interesting. For your son, it should be fine to go www.gov.uk/get-access-evisa and complete the application process, as long as you're following the correct procedures.

I like to think of it as being financially responsible. It's all about balance!

If you are a government-sponsored student applying for a UK student visa, you generally do not need to provide a bank statement to show proof of funds, provided you have a valid sponsorship letter from your government or an international scholarship agency. The sponsorship letter itself should meet the financial requirements for your visa application. Here’s what you need to ensure about your sponsorship letter: 1. Letter Details: The letter must confirm the sponsorship, including the amount of money being provided and the duration of the sponsorship. 2. Official Letterhead: It should be on official letterhead and include the sponsor’s name and contact details. 3. Specific Information: It should clearly state that the sponsorship is for covering your course fees, living costs, or both. If your sponsorship covers all your financial requirements as specified by UKVI (UK Visas and Immigration), then you typically do not need to upload a bank statement showing the funds. However, if your sponsorship does not cover the full amount required (for example, if it only covers tuition but not living expenses), you might need to provide additional evidence, such as personal bank statements, to demonstrate that you have the required funds. It's essential to check the latest guidance on the UK government’s official visa website or consult with your visa advisor to ensure you meet all the requirements. I hope my reply helps and I wish you the very best.

@@pathwayuk thanks a lot 🫶

@@NinoRostiashvili-e5w My pleasure.

Thank you. Midlands.

Glad it was helpful!

Thanks for watching!

Thank you.

When providing proof of funds for a UK student visa, it's crucial to ensure that the money has been in your or your sponsor's bank account for at least 28 consecutive days before the visa application. The way the funds are deposited into the account can impact how they are viewed by UK Visas and Immigration (UKVI). Here's what to consider: Payment of Funds into the Account 1. Lump Sum Deposit If you deposit the entire amount (e.g., ₦37 million) in one lump sum, the funds must remain in the account for at least 28 consecutive days before you apply for the visa. UKVI may scrutinise large lump-sum deposits, so you may need to provide an explanation or evidence of the source of funds (e.g., sale of property, business income, etc.). 2. Gradual Deposits (Bit by Bit) If the money is deposited bit by bit, the account's total balance must be at or above the required amount throughout the 28-day period. Each deposit should be traceable and explainable. UKVI might request evidence of the source of funds, especially if the deposits are large or irregular. Key Considerations Source of Funds: Regardless of whether the funds are deposited as a lump sum or gradually, be prepared to explain and provide evidence of where the money came from. UKVI may ask for this to ensure that the funds are legitimate. Bank Account in Good Standing: Ensure the bank account used for proof of funds is in good standing, the bank statements are clear, and the necessary funds are shown without any conditions or restrictions. Bank Statement: When submitting the bank statement, make sure it covers the entire 28-day period and shows the required balance without dropping below the minimum amount at any point during this period. Final Tip To avoid complications or additional scrutiny, it might be simpler to continuously maintain the required amount in the account rather than make multiple deposits. If you're unsure, it's advisable to consult with an immigration advisor or a legal expert specialising in UK visas to ensure compliance with UKVI requirements.

@@pathwayuk thank you

@@EmekaDyke No worries.

@@pathwayuk but when applying as a student is it a must to summit a police report ? because not everyone talks about it

@@EmekaDyke It depends on your circumstances. Some applications for the UK student visa do, while some don't.

No worries.

If my uncle has sponsoring my education from primary to university how do I proof he is my legal guardian and he is sponsoring me

To prove that your stepfather is your legal guardian and that he is financially sponsoring you for your UK student visa application, here’s a list of the critical documents that may be required: 1. Proof of Relationship Legal Guardianship Document: If your stepfather is your legal guardian, you should provide any court orders, legal documents, or formal agreements, such as a notarised guardianship letter, establishing this guardianship. Marriage Certificate: A marriage certificate showing your mother and stepfather's marriage can help establish the relationship. Affidavit of Guardianship: A notarised affidavit in which your stepfather declares his responsibility for you and your mother’s agreement could be helpful. Your Birth Certificate: Your birth certificate with your biological father's details, along with documents showing the relationship between your mother and stepfather. 2. Financial Documents Bank Statements: Your stepfather’s bank statements from the last 28 days (or as required by UKVI) showing that he has sufficient funds to cover your tuition fees and living expenses. Proof of Income: Recent payslips, tax returns, or a letter from his employer showing his income and financial stability, which is crucial for your financial sponsorship. Sponsorship Letter: A formal letter from your stepfather stating that he is sponsoring your education in the UK and will cover all associated costs, providing you with the necessary financial support. 3. Proof of Identity and Status Your Step-Father’s Passport or ID: A copy of your stepfather’s passport or national ID to establish his identity. Your Passport: Providing a copy of your passport for identity verification is a crucial step in the visa application process. 4. Cover Letter Explanation Letter: A cover letter from you or your stepfather explaining the family situation, the relationship, and why he is sponsoring your education. 5. Proof of Your Father's Death Death Certificate: A copy of your biological father’s death certificate, if available, to further clarify the family situation. 6. Supporting Documents for the Visa Application CAS (Confirmation of Acceptance for Studies): Your UK educational institution provided the document. Proof of English Proficiency: If required, such as IELTS or TOEFL scores. Academic Documents: Certificates, transcripts, and other academic records. Ensure that all documents are translated into English if they are not already certified by an appropriate authority. It’s also a good idea to consult with an immigration advisor or solicitor to ensure your application is as strong as possible. I hope this helps.🩷

I agree with your point of view. I spoke about most of what you mentioned in the video at 04:00 when I discussed the underlying issues behind the UK riots.

Absolutely

The reports you mention about large groups of Muslims on the streets in some UK cities holding knives during the riots are likely based on misinformation or exaggeration. While there have been isolated incidents of unrest in the UK, it's essential to differentiate between actual events and rumours or misinterpretations. Misleading information about the stabbing at Southport is what got the UK to this point in the first place.

Yes it is true, but it is being under-reported to only show 1 section of society as the only ones causing trouble.

​@@pathwayuk Misinformation? What? Millions of us have SEEN them carrying machetes/weapons on our streets in their hundreds. By the way, the FIRST riot was made by islamics rioting because some kids were being taken away by social services. Get your facts right before blaming others! 🇬🇧

Thank you for the answers. I'm also seeing that it's true. Please don't fool me. Why do some people can't see all the reality if something goes against their beliefs?? Come on!!! I want objective information!!! Not all Muslims are good or bad. Not all people against illegal immigration are good or bad. Misleading information = That can't be true because it isn't aligned with my ideology. Please, @pathwayuk, just open your eyes. I'm not asking you to change your political preferences. Critical thinking must be applied all the time, not only to the information that goes against your beliefs. I try to hear different sources to get a better picture of what is happening.

Yes, you can use your spouse's bank statement as proof of funds for your UK student visa application since your spouse is your financial sponsor. However, there are specific requirements and documentation you'll need to provide to ensure your application is successful: 1. Sponsor's Relationship Proof: You must demonstrate your relationship with your spouse by providing a marriage certificate or other evidence of your relationship. 2. Sponsor's Financial Support: A signed letter from your spouse is a crucial part of your application. This letter should explicitly state that they are willing and able to financially support you during your studies in the UK, covering your tuition fees and living expenses. 3. Bank Statements: The bank statements provided must cover at least 28 consecutive days, and the statement's end date must be within 31 days before your visa application date. The funds shown in the bank statements must be accessible and free from any conditions. 4. Sufficient Funds: It's crucial that the funds in your spouse's account meet the minimum required amount to cover your tuition fees and living expenses, as per the UKVI requirements. This is a key requirement for your visa application. 5. Additional Documents: Depending on the specific requirements, you might also need to provide proof of your spouse's income or other financial documents to substantiate further their ability to support you financially. It's essential to follow the UKVI guidelines closely and ensure all the documentation is complete and accurate to avoid delays or issues with your visa application.

@@pathwayuk thanks do much for your response...this is helpful

@@abimbolaomiwale4818 No worries. Glad I could help.

Anytime.

My pleasure.

You are welcome.

Hastings Direct we found them through www.moneysupermarket.com

Thank you.

Thanks for further clarifying capital gains tax!