NewStats: 3,263,556 , 8,180,539 topics. Date: Friday, 06 June 2025 at 01:29 PM 311g5u

Aprokodaughter:
Please who understands uk politics?

I have a question if Boris Johnson leaves will the UK conduct another election immediately?

The Conservative party will organise elections for a new leader and the winner will become the prime minister. I don't think there will be a general election since they have the majority in parliament

Ralphlauren:


They've casually mentioned that they used the government's help to buy scheme which means all they had to do was drop 5% deposit.

I hope they are aware that such schemes are tagged as public funds. Good luck to them if they are not indefinite leave to remain holders as at the time they made the application . . . . Only an idiot with an eye on UK citizenship will claim public funds and think they can get away with it . . . .

You know I was having this same conversation with someone the other day. This is a possible trap that will get people in real problems down the line. The same feeling I have towards LISA's as well. The government adding 1K to your funds if you max the LISA is essentially public funds.
I'm still researching the guidance on this, but for anyone without ILR all these schemes with the government offering could end up being a greek gift

The H2B Scheme is not categorised as Public funds.

Ralphlauren:


They've casually mentioned that they used the government's help to buy scheme which means all they had to do was drop 5% deposit.

I hope they are aware that such schemes are tagged as public funds. Good luck to them if they are not indefinite leave to remain holders as at the time they made the application . . . . Only an idiot with an eye on UK citizenship will claim public funds and think they can get away with it . . . .

Chikalaman:

It's actually 400 pounds

Hopefully, by morning. Maybe it's because na weekend.

If not on this list, then it's not termed as Public funds

https://www.gov.uk/government/publications/public-funds--2/public-funds

kode12:


You know I was having this same conversation with someone the other day. This is a possible trap that will get people in real problems down the line. The same feeling I have towards LISA's as well. The government adding 1K to your funds if you max the LISA is essentially public funds.
I'm still researching the guidance on this, but for anyone without ILR all these schemes with the government offering could end up being a greek gift

Bourne007:
If not on this list, then it's not termed as Public funds

https://www.gov.uk/government/publications/public-funds--2/public-funds

This site was made in 2014, and hasn't been updated since then from what I can see. What's been listed also doesn't seem like an exhaustive list, more so, they further made the distinction "Public funds do not include benefits that are based on National Insurance contributions".
The best course of action would be to get the DWP or HMRC to confirm I guess.

deept:


The Conservative party will organise elections for a new leader and the winner will become the prime minister. I don't think there will be a general election since they have the majority in parliament

Oh thank you so much.

Ralphlauren:


They've casually mentioned that they used the government's help to buy scheme which means all they had to do was drop 5% deposit.

I hope they are aware that such schemes are tagged as public funds. Good luck to them if they are not indefinite leave to remain holders as at the time they made the application . . . . Only an idiot with an eye on UK citizenship will claim public funds and think they can get away with it . . . .

It's not a public fund and I have friends who got their ILR despite using the LISA....please .


Lifetime ISA
You can use a Lifetime ISA (Individual Savings ) to buy your first home or save for later life. You must be 18 or over but under 40 to open a Lifetime ISA.

You can put in up to £4,000 each year, until you’re 50. You must make your first payment into your ISA before you’re 40.

The government will add a 25% bonus to your savings, up to a maximum of £1,000 per year.

The Lifetime ISA limit of £4,000 counts towards your annual ISA limit. This is £20,000 for the 2021 to 2022 tax year.

You can hold cash or stocks and shares in your Lifetime ISA, or have a combination of both.

When you turn 50, you will not be able to pay into your Lifetime ISA or earn the 25% bonus. Your will stay open and your savings will still earn interest or investment returns.

To open and continue to pay into a Lifetime ISA you must be a resident in the UK, unless you’re a crown servant (for example, in the diplomatic service), their spouse or civil partner.

Any UK resident with national insurance number is entitled to LISA. No way was it mentioned that it affects ones ILR.


https://www.gov.uk/government/publications/public-funds--2/public-funds

Good Evening Guys,

I need some advice from our HR Guru's. My partner has an MSc in Industrial Relations and Personnel Management from Unilag and wants to CIPD.

Please bear in mind that they have little to no hands-on HR experience as most prior jobs have been outside HR.

Will really appreciate experienced advice on how to go about this. Spent time on the CIPD website and been in touch with a Learning center but they are not coming out clear on what direction to take. Would also like to know if the Msc from Unilag is accredited / accepted by CIPD or if anyone has had a similar experience with a HR related degree from Nigeria.

Thanks!

H2B started in 2013. One thing the govt is extremely good at is the regular update of the gov guidance

kode12:


This site was made in 2014, and hasn't been updated since then from what I can see. What's been listed also doesn't seem like an exhaustive list, more so, they further made the distinction "Public funds do not include benefits that are based on National Insurance contributions".
The best course of action would be to get the DWP or HMRC to confirm I guess.

ukay2:


It's not a public fund and I have friends who got their ILR despite using the LISA....please .


Lifetime ISA
You can use a Lifetime ISA (Individual Savings ) to buy your first home or save for later life. You must be 18 or over but under 40 to open a Lifetime ISA.

You can put in up to £4,000 each year, until you’re 50. You must make your first payment into your ISA before you’re 40.

The government will add a 25% bonus to your savings, up to a maximum of £1,000 per year.

The Lifetime ISA limit of £4,000 counts towards your annual ISA limit. This is £20,000 for the 2021 to 2022 tax year.

You can hold cash or stocks and shares in your Lifetime ISA, or have a combination of both.

When you turn 50, you will not be able to pay into your Lifetime ISA or earn the 25% bonus. Your will stay open and your savings will still earn interest or investment returns.

To open and continue to pay into a Lifetime ISA you must be a resident in the UK, unless you’re a crown servant (for example, in the diplomatic service), their spouse or civil partner.

Any UK resident with national insurance number is entitled to LISA. No way was it mentioned that it affects ones ILR.

Help to buy scheme and LISA are two different things.

Ralphlauren:


Help to buy scheme and LISA are two different things.

But the couple in the yutube used LISA to buy their mortgage house nah, so it out affect their ILR

ukay2:


But the couple in the yutube used LISA to buy their mortgage house nah, so it out affect their ILR

I watched the part 1 and the man specifically mentioned they used help to buy.

Ugo73:
Please to the seniors/gurus in the house, what's the best way to start saving for a house. I intend buying a house in the next 2 years. Thanks

If you're under 39 years old, open a LISA . Start paring down your expenditures. You can also round up your spends and save the spare change to the nearest pound. Sell anything you have that hasn't been used for 6 months or more - cos the chances of then using it again is quite low. Get a 2nd job if you have the time (do not sacrifice family time as you'll never get that time back) and save every penny from that 2nd job. Consider saving a fixed monthly amount as well.

unless you're rolling in wealth, your first home is just a stepping stone into property ownership. Be realistic as to what you can buy. Good luck!

nwauwa:
they don’t pick calls or respond to emails and they can come up with different rules eg this Covid test. I will advise u to do your PCR test. Better to have it than to miss your flight cuz of it

Thank you.

Wait ooo!!
Please does getting a trainee position within NHS amount to recourse to public fund ?

Ralphlauren:


I watched the part 1 and the man specifically mentioned they used help to buy.

Help to buy equity loan isn't public funds. Its a Loan offered up to 20% maximum by the government which needs to be paid back at the end of the Mortgage term. You don't get interest charges on the loan until after 5yrs which you start paying about a certain amount.

The HTB scheme is basically a business making venture for the government because potentially they own 20% of the value of your home not the amount borrowed (ofcourse they make losses to,hence the regional cap).

Public funds are free government benefits without returns and the link posted earlier is the only categorisation one needs and it's up to date

Adewumi2888:
Wait ooo!!
Please does getting a trainee position within NHS amount to recourse to public fund ?

No

Adewumi2888:
Wait ooo!!
Please does getting a trainee position within NHS amount to recourse to public fund ?

If its not on the link shared earlier by UKay then it's not. If in doubt send an email to UKVI, they will most likely direct you to that link but hey you get an official confirmation

Ticha:


If you're under 39 years old, open a LISA . Start paring down your expenditures. You can also round up your spends and save the spare change to the nearest pound. Sell anything you have that hasn't been used for 6 months or more - cos the chances of then using it again is quite low. Get a 2nd job if you have the time (do not sacrifice family time as you'll never get that time back) and save every penny from that 2nd job. Consider saving a fixed monthly amount as well.

unless you're rolling in wealth, your first home is just a stepping stone into property ownership. Be realistic as to what you can buy. Good luck!

Good advice

fatima04:


If its not on the link shared earlier by UKay then it's not. If in doubt send an email to UKVI, they will most likely direct you to that link but hey you get an official confirmation

Thanks for the reply

Public funds are mostly unconditional benefits and assistances where u don't have to refund the government. In the case of help to buy, the government's contribution is not free, it is a loan you pay back (with interest after some time). For LISA, there are stringent conditions under which you can withdraw without getting government charge. It is more like saving money with the government to collect it later in form of contribution towards deposit or pension at 50 years. Help to buy and LISA can't be seen as public funds.

You will surely see the signs of a scheme that is not open to migrants. All the shades of public funds will be written over it especially during application unless you want to ignore.

dubaiprince:
Public funds are mostly unconditional benefits and assistances where u don't have to refund the government. In the case of help to buy, the government's contribution is not free, it is a loan you pay back (with interest after some time). For LISA, there are stringent conditions under which you can withdraw without getting government charge. It is more like saving money with the government to collect it later in form of contribution towards deposit or pension at 50 years. Help to buy and LISA can't be seen as public funds.

You will surely see the signs of a scheme that is not open to migrants. All the shades of public funds will be written over it especially during application unless you want to ignore.

Thanks for the clarification too.

When will our Nigeria government help us open this type of LISA. Our leaders should emulate good things always to help citizens

ukay2:


Thanks for the clarification too.

When will our Nigeria government help us open this type of LISA. Our leaders should emulate good things always to help citizens

Nigerians that are ing and voting sick people as president and sending them abroad for treatment.

My updated credit score , to encourage new comers and all the queries about building credit score. Its not an overnight race and requires lots of patience and steps. Took me 4yrs to get here and my advise is everything matters, oldest on report is for my water provider severn trent and every for electricity, Internet etc is also reflected, so not just owning and using CC helps.

I also have credit card s with different banks and ensure I only use what is in my budget for the month (mostly), so pls don't spend and not pay back and start accruing avoidable interest cos those APR values are something else

ukay2:


Thanks for the clarification too.

When will our Nigeria government help us open this type of LISA. Our leaders should emulate good things always to help citizens

Nigeria actually have similar schemes under the NHF but it is a shame they are only on paper.

dubaiprince:


Nigeria actually have similar schemes under the NHF but it is a shame they are only on paper.

I don't think I will have access to my
NHF now I left them with the fund

fatima04:
My updated credit score , to encourage new comers and all the queries about building credit score. Its not an overnight race and requires lots of patience and steps. Took me 4yrs to get here and my advise is everything matters, oldest on report is for my water provider severn trent and every for electricity, Internet etc is also reflected, so not just owning and using CC helps.

I also have credit card s with different banks and ensure I only use what is in my budget for the month (mostly), so pls don't spend and not pay back and start accruing avoidable interest cos those APR values are something else

Very impressive.

Thanks

ukay2:


I don't think I will have access to my
NHF now I left them with the fund

Fund that would have been embezzled

Ticha:


If you're under 39 years old, open a LISA . Start paring down your expenditures. You can also round up your spends and save the spare change to the nearest pound. Sell anything you have that hasn't been used for 6 months or more - cos the chances of then using it again is quite low. Get a 2nd job if you have the time (do not sacrifice family time as you'll never get that time back) and save every penny from that 2nd job. Consider saving a fixed monthly amount as well.

unless you're rolling in wealth, your first home is just a stepping stone into property ownership. Be realistic as to what you can buy. Good luck!

thanks for this. What of those above 40? What’s the way? Abi you can’t access mortgage

fatima04:
My updated credit score , to encourage new comers and all the queries about building credit score. Its not an overnight race and requires lots of patience and steps. Took me 4yrs to get here and my advise is everything matters, oldest on report is for my water provider severn trent and every for electricity, Internet etc is also reflected, so not just owning and using CC helps.

Was researching in 2021 about how to go about it and most of the YT guys say you should spend only 20% of the spend limit that's on the CC

How true is this and is that what you did too?

Ralphlauren:


I watched the part 1 and the man specifically mentioned they used help to buy.

HTB is not a public fund na gbese just like bounce back loans