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

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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[@TochiEsther]

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. kzbin.info/www/bejne/fmezfqSJe5ihpKM Thanks once again

[@OmaGladys9]

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

[@jumokeomiyale5696]

hello Tochi , your house is beautiful.

[@jumokeomiyale5696]

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]

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]

Thanks Tochi Which bank How to open it pls

[@aishatsounds]

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]

Aww, thank you so much

[@KikiToriahReality]

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

[@TochiEsther]

Thank you for watching

[@SB-je3ku]

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

[@ganiyat8220]

Can you do this savings from outside uk

[@toyino.9172]

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]

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

[@fitnessbelindafoundation2294]

Wow thanks for sharing

[@TochiEsther]

Thank you for watching

[@victoriabola1609]

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

[@mandyfrizz]

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

[@TochiEsther]

Awww, thank you so much dear

[@raheeljamil1122]

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]

[@theajaoalimat]

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]

Awww, thank you so much

[@olalekanoluwaseun643]

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]

Awww, thank you so much

[@ChySpace]

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????

[@craftschiamaka5795]

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!

[@gracedjieagu4481]

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?

[@schenwig]

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]

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.

[@afuadarkoa]

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]

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

[@chimaikechukwu3266]

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

[@TochiEsther]

Awww, thank you so much bro I appreciate

[@innocentiauzoamaka604]

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

[@ihuomanjoku9810]

After buying the house, will you still maintain d account

[@TochiEsther]

You can use it to buy stocks and shares

[@TheWellnessAbbey]

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]

Lovely, I'd check that out

[@rigo_gh]

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

[@TochiEsther]

Cash Life time ISA

[@olayinkalatona7203]

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

[@TochiEsther]

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

[@estherajibewa7351]

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

[@onlymama506]

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

[@TochiEsther]

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

[@emakimberly6541]

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

[@oyin_oduguwa]

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]

Please do. Thank you for watching

[@tolulopeolatunji950]

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

[@pamelachukukere762]

ANY HOPE FOR PEOPLE ABOVE 40YEARS

[@jelavy303]

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]

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

[@paulineoboheze]

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]

Awww, thank you so much

[@adeoye3789]

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]

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..😄😄

[@lindaezeigbo3426]

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

[@wilheminawilliams7394]

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

[@ChySpace]

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]

Bless you sis

[@StephenEjiofor-gz9su]

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.

[@blessingolanike8351]

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

[@fondetv4315]

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

[@veeunique]

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

[@TochiEsther]

Very correct sis

[@BeautyByOla15]

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

[@TochiEsther]

Thank you so much for watching

[@lindamichaelstv]

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

[@TochiEsther]

Thank you so much for watching

[@danielolayinkabukola2043]

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]

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

[@providaidioha7966]

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

[@TochiEsther]

Amen. Thank you for watching

[@ChySpace]

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]

Alright sis

[@jchineduokafor9056]

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

[@jacintaike4205]

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?

[@happyumoh721]

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

[@ginatv4651]

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

[@ijeomaifezue1567]

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

[@jennymafi292]

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

[@chinonyenwachukwu5860]

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

[@chiomaawa8982]

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

[@marthachinegbo2529]

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

[@TochiEsther]

Awww, thank you so much

[@jelavy303]

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

[@TochiEsther]

Thank you so much

[@livinghealthierandhappier]

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]

Awww sis, thank you so much

[@EstherIfureMonday]

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

[@TochiEsther]

Aww, thank you so much

[@walterbanda]

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

[@alexandraaninyei6967]

So impressed with you guys focus and teamwork!

[@TochiEsther]

Thank you so much

[@ekelevictor6506]

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

[@ugonmaubah2955]

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?

[@raheematadekemi7416]

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

[@TochiEsther]

I have no idea

[@elfredapam1760]

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

[@collinsdmessenger]

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

[@TochiEsther]

That’s their rule

[@Ellasfam1]

Nice video very informative thanks for sharing dear ..

[@TochiEsther]

Thank you for watching

[@Naijamuminaustralia]

Thanks Dear for this wonderful information

[@TochiEsther]

Thanks so much 🙂

[@estheribkA]

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]

Amen. Thank you so much

[@maryannuche-duruibe2618]

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

[@TochiEsther]

Awww, bless you

[@ogochukwuokonkwo180]

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

[@TochiEsther]

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

[@princesskerla4]

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

[@TochiEsther]

Thank you for watching

[@nkechichigbo4134]

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

[@TochiEsther]

We explained that in this video dear.

[@obymary-ann6418]

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]

Thanks so much 🙏

[@teeayo9689]

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]

Aww, thank you so much

[@happyumoh721]

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

[@korlems]

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

[@TochiEsther]

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

[@FajirasConcept]

Can't wait to hear this good news😘😘

[@sapphireglow7250]

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

[@TochiEsther]

Thank you so much

[@temitopeadebayo1782]

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

[@TochiEsther]

Awww, thank you so much I appreciate

[@efughachisi634]

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]

Yes please

[@saintsacademy007]

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

[@TochiEsther]

Thank you for watching

[@hilariousentertainment5664]

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]

Sure , you can verify with the concil

[@divine-favourkasie7077]

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

[@TochiEsther]

Thank you for watching

[@judithsconcept]

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

[@TochiEsther]

Yea, thank you for watching

[@dolapoogunmefun8153]

Thanks so much for the information

[@leeli366]

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]

Hello, what's the question you have Sir?

[@rachealowolabi4331]

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

[@TochiEsther]

Amen. Thank you so much for watching

[@EvermumgistTv]

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

[@TochiEsther]

So good to know. Thank you for watching

[@b.willie501]

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]

I think you should rewatch the video cos they mentioned this

[@arowoloadebola2159]

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

[@TochiEsther]

How do you mean please

[@arowoloadebola2159]

@@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

[@Brown6031]

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.

[@olajideodunola5638]

best video for me today.love you guys energy

[@TochiEsther]

Awww, thank you so much

[@akomolaferachel9681]

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

[@TochiEsther]

Yes

[@modupeolapeace5528]

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]

No it's not public funds

[@modupeolapeace5528]

Thanks for the prompt response

[@teddyaziken3300]

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

[@TochiEsther]

Kindly check the description please

[@uzoamakaokeke321]

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

[@TochiEsther]

Thank you so much for watching

[@victoryactivitiestv]

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

[@TochiEsther]

Thank you for watching

[@funmiloladauda7990]

Tochi, pls which area are you as I am also look for a house that is not too expensive

[@TochiEsther]

You can check my video on top cheapest cities to live in the uk

[@tunji91]

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

[@TochiEsther]

Thank you so much

[@joyiroju5834]

Hi Tochi, Thanks for your usual support. My question about lifetime ISA is that can I have more than one lifetime ISA account? Is it a must I withdraw the money after the end of a tax year? For instance, if after the tax year, I want to continue saving, can I open another ISA account while I still have my money in another account? I hope am explicit enough. I look forward to your response. Thanks.

[@lase2825]

I've wondered about this ISA account, thank you so much for breaking it down this way! I need a bit a clarity, please; If I have 35'000 in the ISA account and the down payment for the mortgage is 20'000. Will I have to use all the savings as down payment (to reduce the interest rate, perhaps)? Is this a must? Or will/ can the solicitor give me what's left after paying the 20'000 down payment? Will the solicitor see to it that it is used for the house e.g furniture? flooring? And be he/ she be the one to pay the various contractors? Thank you! xoxo.

[@staphonyisi8244]

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

[@nwozorezinne1665]

Please Tochi , from your video u said u can only use the account to buy your first house”. Is it that u can’t buy more houses afterwards and gain 25%?

[@favourite2007]

Thanks so much for this video. Please which account can someone who is above 40 years open to get first time mortgage in UK?

[@iamprettyng8013]

Aunty tochi i have been waiting for you to post or tell us companies that are recurting and offering Visa sponsorship. I'm patiently waiting please try.

[@oloyedehassan7937]

Please how did someone get that electoral roll stuff in uk,or can you please explain better for me 👏🏿🙏🏿