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

[@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.

[@CHIKANMA-INSIGHT]

Thanks Tochi Which bank How to open it pls

[@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

[@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

[@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?

[@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]

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

[@walterbanda]

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

[@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

[@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

[@aderibigbeolaitan8997]

Thank you so much Tochi and your husband is such a good detailed and very confused teacher. I so much enjoyed your session. Can you tell us on how people above 40 years can achieve this ISA account and if there is an alternative to getting it done. I will really appreciate that and for the benefit of many that have asked in the comments session. Thank you and God bless you

[@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????

[@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

[@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

[@MonteCristo-m2c]

Thank you guys!

[@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]

[@jiteonor6980]

Wowwwww. Am blown away. This is what I call confirmed team work!!!!

[@TochiEsther]

Awww, thank you so much

[@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

[@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.

[@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

[@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?

[@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

[@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

[@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

[@BeautyByOla15]

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

[@TochiEsther]

Thank you so much for watching

[@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

[@alexandraaninyei6967]

So impressed with you guys focus and teamwork!

[@TochiEsther]

Thank you so much

[@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

[@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!

[@sapphireglow7250]

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

[@TochiEsther]

Thank you so much

[@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

[@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

[@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 🙏

[@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?

[@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

[@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.

[@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

[@AmarachiOmah0611]

Weldone guys, more grease to your elbows❤️

[@TochiEsther]

Thank you so much

[@uzoamakaokeke321]

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

[@TochiEsther]

Thank you so much for watching

[@saintsacademy007]

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

[@TochiEsther]

Thank you for watching

[@Naijamuminaustralia]

Thanks Dear for this wonderful information

[@TochiEsther]

Thanks so much 🙂

[@tunji91]

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

[@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

[@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

[@leahnyamadzawokadowonda7681]

Congratulations on your new house!

[@TochiEsther]

Thank you so much

[@emmakatothehustler9405]

I love wat u guys do team wrk u hav inspired and enlightened me thank u very much

[@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

[@Ellasfam1]

Nice video very informative thanks for sharing dear ..

[@TochiEsther]

Thank you for watching

[@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

[@KikiToriahReality]

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

[@TochiEsther]

Thank you for watching

[@kimarictatham4850]

Watching from Jamaica, you are very informative .

[@TochiEsther]

Thank you for watching

[@dolapoogunmefun8153]

Thanks so much for the information

[@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

[@FajirasConcept]

Can't wait to hear this good news😘😘

[@sheddychunu2931]

really nice to know you can put in 4k at once

[@TochiEsther]

Yea, 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

[@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

[@olajideodunola5638]

best video for me today.love you guys energy

[@TochiEsther]

Awww, thank you so much

[@Eby_100]

Teamwork in marriage is the only way to achieve this. Congratulations. What is you guys occupations please?

[@nico-ng3pt]

Congratulations for your achievement. That a Great milestone.

[@TochiEsther]

Thank you so much

[@nico-ng3pt]

@@TochiEsther You're welcome.

[@giftynkansah4472]

very educative and i thank you guys

[@TochiEsther]

You're welcome

[@LUKMONABASS]

This is a great inspiration, i hope to follow suit. You guys are doing wonderfully well. Thanks to both of you, i am a new subscriber👍

[@TochiEsther]

Aww, thank you so much

[@LUKMONABASS]

@@TochiEsther You are welcome

[@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

[@victoryactivitiestv]

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

[@TochiEsther]

Thank you for watching

[@divine-favourkasie7077]

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

[@TochiEsther]

Thank you for watching

[@EvermumgistTv]

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

[@TochiEsther]

So good to know. Thank you for watching

[@anjie2561]

This video is so valuable. I have been doing my own research on everything and this is so helpful. Thank you so much

[@TochiEsther]

Aww, thank you so much

[@poshovensandevents]

Tochi, please is it possible for both couples name to be on the house documents? If yes, please what are the implications and all that?

[@giwaseun1317]

Thanks you Tochi. This is value packed

[@TochiEsther]

Thank you for watching

[@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.

[@sarahrobert3771]

This is so interesting amazing couple. Thank you so much and I'm so proud of you both

[@TochiEsther]

Thank you for watching

[@ijeomaifezue1567]

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

[@chizomajustinchigozie5284]

Hello Tochi,tnx for the info. Please how long will d mortgage last and what is the repayment plan like?.

[@lindaezeigbo3426]

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

[@BouQuiBQ]

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

[@TochiEsther]

Alright, thank you

[@ikranesha15]

This is very helpful. Thank you

[@adeniranadedoyin7235]

I'm waoo at your team spirit 👍👍👍👍

[@TochiEsther]

Thank you so much

[@ignxs]

thank you guys!!!

[@TochiEsther]

Thank you for watching

[@oluwatoyinruth2173]

Thanks alot for sharing this,does it mean that l must use up the money to buy the house within the first 12mnts? Or am at liberty to save for as long as l want provided am using it for buying my house?

[@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.

[@yumyumfoodsindiaspora]

Wow, this video is insightful. Thanks

[@TochiEsther]

Thank you so much for watching

[@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?

[@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

[@tolulopetinuola3005]

Please share how the repayment plan works. Additional benefits and/or penalties in case of default. Thanks, God bless you.

[@chuditims-lewechi6122]

Is it possible to open the ISA and allow the money to grow in there without making investment specific investment which comes with a risk that may depreciate the value of money there? Does it have a fixed deposit option?

[@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%?

[@bethelobi3077]

Well detailed explanation

[@TochiEsther]

Thank you for watching

[@myfinancechannel2432]

Thank you so much for sharing your journey and inspiring us. I admire you guys so much 💗 😘

[@TochiEsther]

Thank you so much for watching

[@chiomaawa8982]

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

[@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

[@CourseRepsCorner100]

Congratulations 🎊 👏 💐 Once Again...

[@TochiEsther]

Thank you dear

[@eniola9282]

Great video, thank you....

[@TochiEsther]

Thank you for watching

[@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.

[@ebele50]

Thanks for the insightful video, saving is one aspect for the deposit is one aspect of buying the house. But to secure the mortgage, you have to be earning a certain amount to qualify for the mortgage.

[@TochiEsther]

Certainly.

[@chukwudiogudo5379]

Hi Ebele, please how much is the earning/salary threshold?

[@TochiEsther]

We explained all of this in the two part video we made on step by step process on how to buy a house

[@ebele50]

Ok, thanks, I didn’t realise that.

[@oloyedehassan7937]

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

[@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

[@EnglishPrepClass]

This is so inspiring. Let me be gearing towards that. Thank you for sharing sis.

[@TochiEsther]

Thank you for watching sis

[@dolapoogunmefun8153]

You guys are great

[@TochiEsther]

We appreciate your kind words, thank you

[@toyosiokafor7289]

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

[@TochiEsther]

Thank you for watching sis

[@rigo_gh]

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

[@TochiEsther]

Cash Life time ISA

[@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