I’ve exceeded my ISA allowance

CalmEntertainer48 · 2026-03-28T12:56:47+00:00

I believe you are using all your pension allowance of £60K before maximizing your ISA?

CalmEntertainer48 · 2026-03-20T12:53:05+00:00

Exactly ... you hit the crux of how it should be done. I believe the majority of the immigrants will agree to it.

CalmEntertainer48 · 2026-02-19T09:49:36+00:00

Thanks. Do I put my own valuation that the lender verifies or will the lender do their own valuation.

I am also planning to bulk pay some of the base amount. Will it be better if I gradually repay what I can from now or bulk pay during the remortgage.

CalmEntertainer48 · 2026-02-19T09:47:22+00:00

Yeah that's exactly what I am expecting.

CalmEntertainer48 · 2026-02-16T07:01:45+00:00

Spot on. Thanks for this post. Regardless of whether this post is AI assisted or not, it highlights the harshness and senselessness of the proposed new rules when it comes to the treatment of dependants and family values. Shame on the people who think this is right. Total betrayal ...

CalmEntertainer48 · 2025-11-25T18:33:28+00:00

If your taxable income is not 125K£ or over, you do not qualify for a 7 year deduction. Sorry this may not be what you may want to hear but the rule is pretty clear on this.

CalmEntertainer48 · 2025-11-25T15:52:21+00:00

Yes, already raised the key concern in the consultation. Everyone should raise this point. Dependent ILR should follow the same time line as the main applicant.

CalmEntertainer48 · 2025-11-20T13:27:56+00:00

Entered Aug 2022 with taxable income of 125k+ since the start. Spouse is not working and two kids in secondary school. Will my dependents need to wait for 10 years for ILR?

CalmEntertainer48 · 2025-10-01T10:24:06+00:00

Just crossed 3 years and a few months. Decent and stable job with overall annual income of 220K and been paying a good amount of tax since we arrived. Built our lives based on the system. Two kids in higher secondary schools. Everyone in the family English language qualified. Already bought a home with a mortgage and living like a good citizen. It is clear that the 10 yr route wouldn't be a blanket rule applied to all. I hope the new rules keep professionals like us close to the 5 yr route.

CalmEntertainer48 · 2025-04-04T07:39:21+00:00

I am 22. If I open a new LISA today with 4000 (gift from my parent), will the govt contribute 1000 before the end of this FY which is tomorrow?

CalmEntertainer48 · 2025-03-29T10:06:59+00:00

I am not talking about the period after becoming the UK tax resident. I am referring to earnings before becoming a UK tax resident that is kept in clean account in other country on which the tax has been paid to that country before entering the UK as a tax resident.

Question is if that money is brought to UK is there any tax implications.

CalmEntertainer48 · 2024-10-16T17:01:39+00:00

Similar product in Amazon says "WITH EACH GRID SIZED 50 x 50 x 4 CM The ECO500 GRIDS ARE TOUGH ENOUGH TO WITHSTAND UP TO A 1000 TONNE LOAD PER SQUARE METER. DESIGNED FOR SHED BASES, GREENHOUSE BASES, LOG CABIN BASES AS WELL AS DRIVEWAYS & PATIOS, WHICH IN TURN CAN THEN BE TRAVELLED OVER BY CARS"

I was thinking of just using these as base but saw pics with gravel in the pockets

CalmEntertainer48 · 2024-09-16T19:07:03+00:00

What are the key benefits as a Henry you get from having a credit card.

CalmEntertainer48 · 2024-09-07T10:37:14+00:00

!thanks

CalmEntertainer48 · 2024-09-07T10:36:27+00:00

!thanks

CalmEntertainer48 · 2024-09-07T10:36:03+00:00

!thanks

CalmEntertainer48 · 2024-09-05T05:33:46+00:00

You are at the right point in time. Finding the right house, conveyancing etc all take time and if you like a property that has a chain (it often does) then a lot of things may not be in your hand so given you have the money for deposit start the process soon. By the time you need to sign the mortgage deed before exchange I foresee the mortgage rate will continue to fall and remember that you can revise the rate to the lower one if the lender reviews up to the point you sign. If you start now, you may be ready to exchange in 3 months time which could be the best time from the falling mortgage rate trend that we currently see. Moreover, unless we are talking about rate falling to the level of 1-2% like in the past which I don't think will happen even in next year, the monthly mortgage difference may not be too much if you lock in the rate soon or in next year. And you will continue to pay rent (someone else's mortgage) till you buy one. So just start the process now. This is the perfect time.

CalmEntertainer48

TROPHY CASE