How We Got Free £4000/ How We Saved To Buy Our House In The Uk Within Two Years

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How We Saved, Raised Our Deposit And Got Free £4000 To Buy Our House In The Uk Within Two Years
list of lifetime ISA providers
moneybox
AJ BELL
Skipton Building Society
Nutmeg
Paragon bank
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29 сен 2024

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Комментарии : 371

@TochiEsther 2 года назад

Thanks so much guys for watching, I'm noting all the questions and we'd do a Q and A video to answer them all. This is the link to part 1 of how to buy a house step by step process, in case you have not watched it. ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-H6PMqSF3nnA.html Thanks once again

@OmaGladys9 2 года назад

You're an inspiration to so many of us, keep doing you guurrrl!

@jumokeomiyale5696 Год назад

hello Tochi , your house is beautiful.

@jumokeomiyale5696 Год назад

I have some questions to ask with urgent answers please. 1) Is the 1000 added a public funds? 2) can a person with no public fund on the student visa open a LISA account ?

@anietieudo5993 Год назад

Tochi,I have a question for you and what is disturbing me seriously....the question is If I come to the UK alone as student, leaving my family of four behind,is it possible to pick them to the UK after a year or two,since I don't enough for them join me? Please your candid answer.

@MosesChikanma Год назад

Thanks Tochi Which bank How to open it pls

@aishatsounds 2 года назад

Wow! Congratulations 🎊🎈 I’m super proud of your achievement… it takes understanding, financial intelligence and absolute commitment to make this a reality …. Thanks for sharing, honestly I’m inspired 😊

@TochiEsther 2 года назад

Aww, thank you so much

@KikiToriahReality 2 года назад

This is so informative and educative,your husband explained so well

@TochiEsther 2 года назад

Thank you for watching

@rachealowolabi4331 2 года назад

Wow I most confence, this is a big information you just released. God bless you both.

@TochiEsther 2 года назад

Amen. Thank you so much for watching

@fitnessbelindafoundation2294 2 года назад

Wow thanks for sharing

@TochiEsther 2 года назад

Thank you for watching

@SB-je3ku 2 года назад

Hi, congratulations and weldone for getting your home. Just want to ask, which lifetime ISA provider did you use?

@toyino.9172 2 года назад

Tochi nwa nnem, thanks for this awesome video.sorry to deviate from the topic.am a wife and a mother of three planing to relocate. I watched a video recently and the lady said she had to shorten her Nigerian name so she could get a job.did that happen to you? And what's your advice on name changing especially for the married ones with long last name.

@TochiEsther 2 года назад

I don’t think your name affects you from getting a job though. Kindly send a dm on Instagram let’s chat

@ganiyat8220 2 года назад

Can you do this savings from outside uk

@onlymama506 2 года назад

You teach as good things but is difficult to get in touch with you people why

@TochiEsther 2 года назад

My email is in the description box you can reach me via email

@adefaratiseun2795 2 года назад

Thanks for this video who are eligible to buy a house in uk?can international student buy a house in uk?

@victoriabola1609 2 года назад

Thanks for the information. Can someone on a tier 4 dependant visa open and benefit from this ISA account?

@dorcasbolajokobello286 Год назад

Which of ISA is OK for people above 40years. Need more advice on this

@nkechichigbo4134 2 года назад

Please I want to ask, if me and hubby do ISA separately. Can we combine to buy our first house?

@TochiEsther 2 года назад

We explained that in this video dear.

@mandyfrizz 2 года назад

Tochi is helping lives o . Unity is power , this is Very interesting and well explained video, and your hubby makes a good teacher

@TochiEsther 2 года назад

Awww, thank you so much dear

@raheeljamil1122 2 года назад

Question: once we buy this house using the account money, can we sell that house if we get a good buyer? (or is there a limit to keep the house with your for at least XYZ number of years before you can sell it?) [thanks for informative video]

@olalekanoluwaseun643 2 года назад

I love the energy you guyz possess...i know this didn't come cheap for you it must have been with a lot of sacrifices from you. I salute your determination and courage to pull through. I love the detailed explanations

@TochiEsther 2 года назад

Awww, thank you so much

@theajaoalimat 2 года назад

To think you guys achieved this Feat during the pandemic. You really inspire me. Thank you so much for sharing and revealing huge amount of information most people would rather not share. May God continue to bless you and lift you higher.

@TochiEsther 2 года назад

Awww, thank you so much

@ChySpace 2 года назад

How can you be allowed to withdraw the money when you're 50 but not allowed to open the ISA account when you're 40 or over 40 years old????

@gracedjieagu4481 2 года назад

Hello guys, educative video it is. So if my husband is 40 now, does it mean we can't have separate savings this way? Or is there another opportunity to have same or similar approach?

@craftschiamaka5795 2 года назад

Kudos to you both. Pls any advice for couple above 40years?- which other alternative do they have to have their own house? Thank you guys. Cheers!

@schenwig 2 года назад

You can actually save more than £4000 a year into your ISA. But you only get 25% government bonus on the first £4000 which is a max of £1000. My first ISA was £15000 and it was £16143 by the end of the tax year.

@TochiEsther 2 года назад

We discussed only lifetime ISA, not ISA in general. Perhaps you misunderstood the context Everyone has a 20k ISA allowance but lifetime ISA has its peculiar conditions.

@TheWellnessAbbey 2 года назад

My husband and I each used LISAs for our purchase also- it's a huge help. I've made a couple videos about it too x

@TochiEsther 2 года назад

Lovely, I'd check that out

@chimaikechukwu3266 2 года назад

The key thing here is "WE" and that is the pillar of any successful team. Jisike ndi nkem.

@TochiEsther 2 года назад

Awww, thank you so much bro I appreciate

@innocentiauzoamaka604 2 года назад

@@TochiEsther so assuming I can put upto 10,000 pounds, I'm getting 25% of it?

@ihuomanjoku9810 8 месяцев назад

After buying the house, will you still maintain d account

@TochiEsther 8 месяцев назад

You can use it to buy stocks and shares

@afuadarkoa Год назад

Well done, this was possible becuase you had some money and well paid jobs for both of you. Rent ,bills , childcare in this UK alone 😔. Plus family back home remittances is not easy. Already we are sacrificing, expenditures , no holiday and yet difficult to save much. what kind of jobs do you both do please?

@TochiEsther Год назад

It was possible because we were determined and committed to it.

@oyin_oduguwa 2 года назад

Your husband is a good teacher if I must say, you both were very clear and simple in your explanation. I have moneybox and I'll go ahead with this. Thank you so much for being thorough.

@TochiEsther 2 года назад

Please do. Thank you for watching

@tolulopeolatunji950 2 года назад

I will be rooting for you oyin. Love from chapel of Grace 🤩

@pamelachukukere762 2 года назад

ANY HOPE FOR PEOPLE ABOVE 40YEARS

@rigo_gh 7 месяцев назад

Did you use the cash lifetime isa or stock for ur first house saavings ?

@TochiEsther 7 месяцев назад

Cash Life time ISA

@BeautyByOla15 2 года назад

This is so thoughtful detailed and well put together information for anyone considering buying a house .

@TochiEsther 2 года назад

Thank you so much for watching

@olayinkalatona7203 Год назад

Must I buy the house within one year or I can save for 2 years or more before I buy the house

@TochiEsther Год назад

You can buy at any time you can afford one dear, no pressure no rush

@veeunique 2 года назад

You can do anything if your determinate....and it takes a lot of sacrifice and discipline to get this achievement. Congratulations dearest

@TochiEsther 2 года назад

Very correct sis

@lindamichaelstv 2 года назад

This is so motivating for people looking forward to buy a house and achieve other milestones , thanks guys for sharing!

@TochiEsther 2 года назад

Thank you so much for watching

@estherajibewa7351 2 года назад

Hello this is really eye opening. I really wish I had met you early enough. Well everything has its purpose. Thank you so for bringing to us such information. Please if I put in 8k in January 2022 will I be eligible to have 2k by March 2022 or it must be by the end of 2023 March. Because I really want to get my house as well

@emakimberly6541 2 года назад

Please can you put the link of where you applied for your life time isa account.. I have been seeing different ones and they can be confusing.. Thankyou

@lindaezeigbo3426 2 года назад

What if you pay more than £4k to the account? Like u pay £1000k will u get 25% of £10k?

@wilheminawilliams7394 2 года назад

Hi Tochi thanks for all the advice just need to know how do you open the life time ISA . Is it through the bank . If so what bank . Thanks

@jelavy303 2 года назад

How did you build your credit score? What if you are over 40 years of age. It would be helpful to know about people with bad credit. Tochi thank you. What job can you do to save 4k with family life in the uk.

@everestitibi8919 2 года назад

It's a very good question how where dey able to save 4000£ each within 6months

@paulineoboheze 2 года назад

Having a set goals as a family is a great idea which I have learned from you guys , you two are perfect match full of wisdom I wish you many more achievement mama♥️

@TochiEsther 2 года назад

Awww, thank you so much

@blessingolanike8351 5 месяцев назад

Pls does it means that when i open ISA by april now i and my husband will have 4k too by April or May next year. And after March will i put in another 4k each to have another 1k extra I need clarity my sister Thanks in advance

@adeoye3789 2 года назад

WOW 👏 You both are so amazing 👏 💖 Please what about if someone is able to save £8,000 within the period of April to March, is the person going to get £2,000 as bonus or the maximum is £4,000? Thank you

@sapphireglow7250 2 года назад

I dont think so. Its stated that 4k is what you have to save for each year. These people do not bend rules. Wait till d next year to save another,or better still ..open for you and your husband/wife to get the extra 1k..😄😄

@fondetv4315 8 месяцев назад

Greetings Tochi. This video is very useful but I need more light on it. If I have understood you well, does it mean we have to save £4000 in a tax year which starts every April. If I have to save £4000 now before April, will I get the £1000 interest or I have to wait for a full task year to have that interest rate

@StephenEjiofor-gz9su 4 месяца назад

What of people who are above 40 or 50 years . Is there any known means of saving for the purpose of acquiring property here in the UK.

@EstherIfureMonday 2 года назад

Congratulations to your family. So excited and thank you for sharing the process you went through, it is enlightening and encouraging

@TochiEsther 2 года назад

Aww, thank you so much

@ChySpace 2 года назад

That's was quite an amazing collective power of saving. Raising 16k in one in this country is not easy. Kudos to both of you. The 40 years age tag restriction to the ISA account is a barrier here

@TochiEsther 2 года назад

Bless you sis

@ginatv4651 Год назад

Can you save more than 4000 pounds ?? Then what if I have money that I brought from Nigeria can I invest it in buying a house

@livinghealthierandhappier 2 года назад

Ohh thanks so much for inspiring and motivating us the way to save money you are both a hardworking and a great couple I am so proud of guys thanks for sharing this important information stay blessed🙏🏾💞

@TochiEsther 2 года назад

Awww sis, thank you so much

@happyumoh721 Год назад

My Question is, can one come back for her children 6months after using dependant visa

@providaidioha7966 2 года назад

You both are awesome...! I am truly inspired... And i am hoping this works for my family too. Well done

@TochiEsther 2 года назад

Amen. Thank you for watching

@jchineduokafor9056 4 месяца назад

How old can someone be and cannot buy a house ( mortgage or outright payment) in the UK?

@ijeomaifezue1567 8 месяцев назад

Hi. If you are more than 40yrs as a newbie in uk. What other options are available pls

@jennymafi292 Год назад

Can one open an ISA account with your child's name and still have access to the money after 2years since my spouse is 40years already

@jacintaike4205 2 года назад

Can I be in Nigeria and own a house in the UK? Like buy a house in the UK? Even when I'm not a Uk Citizen?

@chinonyenwachukwu5860 Год назад

Can someone on a student visa open this account now considering the proximity to 40 yrs. And must I buy my first house through this means

@danielolayinkabukola2043 2 года назад

Hmmmm congratulations Tochi I'm so proud of you. Please what job are you and your husband doing that earned you sooo much in 2 years.

@TochiEsther 2 года назад

Thank you so much. It’s not about the job, it’s just about discipline and planning

@ChySpace 2 года назад

I was going to ring you but I decided my Mr and I watch this video again before going for a seat down talk at the bank

@TochiEsther 2 года назад

Alright sis

@chiomaawa8982 Год назад

Good day. Please after you have withdrawn the money for a house can you close the account?

@marthachinegbo2529 2 года назад

I am in love with this channel ever since i found it, you both are doing a great job😍 God bless you both

@TochiEsther 2 года назад

Awww, thank you so much

@alexandraaninyei6967 2 года назад

So impressed with you guys focus and teamwork!

@TochiEsther 2 года назад

Thank you so much

@jelavy303 2 года назад

I have subscribed to your channel. I like the fact that your content is very informative and you jump straight into it.

@TochiEsther 2 года назад

Thank you so much

@Naijamuminaustralia 2 года назад

Thanks Dear for this wonderful information

@TochiEsther 2 года назад

Thanks so much 🙂

@ekelevictor6506 2 года назад

Thanks for the information but can you pay more than 4K

@walterbanda Год назад

Such an inspiration. Thank you Madame Tochi & such a pleasure to meet your husband. God bless you

@Ellasfam1 2 года назад

Nice video very informative thanks for sharing dear ..

@TochiEsther 2 года назад

Thank you for watching

@raheematadekemi7416 2 года назад

But what can a woman whose husband is above 40 do?

@TochiEsther 2 года назад

I have no idea

@ugonmaubah2955 2 года назад

Congratulations on your new house. Please quick question, so do you advise after buying your first house and you are not interested in saving till you are 50yrs, can you close the account?

@elfredapam1760 Год назад

If am More than 40 years old can I use my son to open an account for him?

@estheribkA 2 года назад

Again...thank you so much for this, for being so open and detailed. Truly learnt alot and gotten some clarity. I pray for God's continued blessings for you and your household ❤️❤️❤️

@TochiEsther 2 года назад

Amen. Thank you so much

@princesskerla4 2 года назад

Well done you both...very encouraging and Informative....will try the money box too.thanks for sharing your experience

@TochiEsther 2 года назад

Thank you for watching

@maryannuche-duruibe2618 2 года назад

I am sooooo late to this video😭😭😭😭 I am already 40

@TochiEsther 2 года назад

Awww, bless you

@sapphireglow7250 2 года назад

I like your guys' openness..waohh.. so plain and truthful with all your explanations.

@TochiEsther 2 года назад

Thank you so much

@judithsconcept 2 года назад

This is so educative and informative too tochi, that savings idea and the extra bonus was super helpful

@TochiEsther 2 года назад

Yea, thank you for watching

@FajirasConcept 2 года назад

Can't wait to hear this good news😘😘

@collinsdmessenger 2 года назад

So if I am over 40 years I am disqualified from this account and why? Thanks for this video.

@TochiEsther 2 года назад

That’s their rule

@ogochukwuokonkwo180 2 года назад

the age limit is a barrier for for my family though.

@TochiEsther 2 года назад

It’s ok, you can always do without it💪

@musaasalupload7747 2 года назад

Sungguh luar biasa 👍🤝

@teeayo9689 2 года назад

Nice one. Chief is quite detailed. He give the minutest of details. Thanks for the video. It's an eye opener. You guys are blessed.

@TochiEsther 2 года назад

Aww, thank you so much

@happyumoh721 Год назад

My question is, can one come back for her children 6 month after using dependant visa?

@EvermumgistTv 2 года назад

Quite Educating,thanks for sharing, i learnt a lot from this video.

@TochiEsther 2 года назад

So good to know. Thank you for watching

@dolapoogunmefun8153 2 года назад

Thanks so much for the information

@victoryactivitiestv 2 года назад

this really encouraging, awesome, thanks so much for sharing with us

@TochiEsther 2 года назад

Thank you for watching

@obymary-ann6418 2 года назад

thanks for this video, very detailed information..your hubby is a good teacher......i am sure saving 16k in that short while in the UK wasn't easy for you two......weldone dear

@TochiEsther 2 года назад

Thanks so much 🙏

@korlems 2 года назад

Hi Tochi, great video, I would love if you could go abit more detailed on the lifetime ISA savings account.

@TochiEsther 2 года назад

Kindly check the email playlist on buying a house in the Uk.. everything is there

@efughachisi634 2 года назад

Can someone on spouse visa open LISA, it is stated in my visa not entitled to public fund, so i want to know pls.

@TochiEsther 2 года назад

Yes please

@CourseRepsCorner100 2 года назад

Congratulations 🎊 👏 💐 Once Again...

@TochiEsther 2 года назад

Thank you dear

@b.willie501 2 года назад

Weldone to you both. Thanks for always dishing out quality information and congratulations on your new home. Greater heights. Can I ask that if I open the account today and able to save 4k pounds between now and March/April and still get the 25% extra? If so, when does the new cycle of savings start?. Thanks.

@joychigo1952 2 года назад

I think you should rewatch the video cos they mentioned this

@temitopeadebayo1782 2 года назад

I rarely comment on RU-vid pages but you’ve gotten a subscriber in me 😄. Thank you 🙏

@TochiEsther 2 года назад

Awww, thank you so much I appreciate

@olajideodunola5638 2 года назад

best video for me today.love you guys energy

@TochiEsther 2 года назад

Awww, thank you so much

@saintsacademy007 2 года назад

Thanks so much, guys, All your videos have been so informative.

@TochiEsther 2 года назад

Thank you for watching

@hilariousentertainment5664 2 года назад

Hey please I have been wanting to start a business (farming) in the UK is there anyway I can go about that without being a citizen

@TochiEsther 2 года назад

Sure , you can verify with the concil

@arowoloadebola2159 Год назад

Thanks to you guys, my question is after paying the initial 20,000 pounds, how do we pay the balance?

@TochiEsther Год назад

How do you mean please

@arowoloadebola2159 Год назад

@@TochiEsther I mean after paying £20k, what's the agreement on how to pay the £180k balance to be the full owner of the house. Thanks for your responses

@BouQuiBQ 2 года назад

Great information. The 12 months starts counting from when you make the first payment into the account.

@TochiEsther 2 года назад

Alright, thank you

@divine-favourkasie7077 2 года назад

Thank you for sharing this 😍😍. So so informative.. You guys are amazing

@TochiEsther 2 года назад

Thank you for watching

@leeli366 2 года назад

What is your status in the UK, that is what visa are you on because I doubt this can work for just any type of visa

@TochiEsther 2 года назад

Hello, what's the question you have Sir?

@tunji91 2 года назад

The power of unity. Well done guys 👍🏾. More wins for you 🙏🏾

@TochiEsther 2 года назад

Thank you so much

@uzoamakaokeke321 2 года назад

Tochi,thank you thank you.You and your hubby nailed it.Very informative.

@TochiEsther 2 года назад

Thank you so much for watching

@Brown6031 Год назад

When purchasing a house, can I use both Help to buy ISA and LISA? I HAVE HELP TO BUY WITH ABOUT 1000 AS I PUT £10 EACH MONTH. Would I benifit from opening a LISA now? Would I benefit from both LISA and ISA at the same time. I am single low income mother but I have a aim.

@toyosiokafor7289 2 года назад

That was educative and informative, many thanks for sharing your experience

@TochiEsther 2 года назад

Thank you for watching sis

@modupeolapeace5528 2 года назад

I have a question. On some people's Visa, there is a clause of 'No public Funds' the extra £1000, does it translate to getting public funds?

@TochiEsther 2 года назад

No it's not public funds

@modupeolapeace5528 2 года назад

Thanks for the prompt response

@akomolaferachel9681 2 года назад

Someone ask a question if after some years we decide to sell the house, is it possible.

@TochiEsther 2 года назад

Yes

@teddyaziken3300 2 года назад

What is the name of the account and the bank's that operate this account. Thank you.

@TochiEsther 2 года назад

Kindly check the description please

@christianvance2237 2 года назад

Please aunty tochi who do u use as ur solicitor?

@TochiEsther 2 года назад

Kindly send a dm

@staphonyisi8244 Год назад

Hello tochi,pls can you help me with the name of the banks that I can open for the ISA account because I have checked two banks Natwest and metro bank but they said they have stopped it since 2021