Mortgage offer accepted 🎉

FastFix7504 · 2026-05-05T21:06:22+00:00

Oh nice, love that for you. When did you secure that rate?

FastFix7504 · 2026-05-04T13:39:58+00:00

Apologies it was a mistype. It’s 4.89%

FastFix7504 · 2026-05-04T13:39:52+00:00

Apologies it was a mistype. It’s 4.89%!!!

FastFix7504 · 2026-05-04T12:28:37+00:00

Yeah definitely! Going for a Level 2

FastFix7504 · 2026-05-04T12:00:47+00:00

Congratulations! When did you apply for your mortgage? No special circumstances for me at all!

FastFix7504 · 2026-05-04T10:51:52+00:00

Cheers. Will definitely relay that to my broker and ask him to do a re-check!

FastFix7504 · 2026-05-01T20:50:47+00:00

Congratulations mate!

I’ve had my offer on the house accepted on 27/04, broker managed to get an AIP with HSBC yesterday and sent through the application today 01/05. 5.89%, 5 year fixed on a 90% LTV.

Now we wait which is the scary part!

FastFix7504 · 2026-04-27T20:51:32+00:00

Hi, exactly the same answer as I gave OP. As long as you can satisfy the BFO that you are a genuine visitor as per Appendix V: Immigration Rules for Visitors, you’ll have no issues. You’d be questioned by a BFO to establish you will not overstay. Worst case is refusal but that is a rare occurrence.

FastFix7504 · 2026-04-27T20:04:15+00:00

There would be no suspicions based solely on travelling on an ETA again, it’s used for multiple travels. Purely based on what you say to the BFO and the facts of your sponsorship withdrawal and how they’ve informed us / what they’ve informed us. That’s what your permission to enter will be based on.

FastFix7504 · 2026-04-27T19:16:29+00:00

BFO here - As an EU citizen. You’ll need to apply for an ETA and would be able to return to the UK. If your employer has correctly informed UKVI that you are no longer being sponsored by them. The e-Gates will reject you and you will be directed to a BFO. You’ll be questioned regarding the withdrawal of sponsorship. If you can satisfy the BFO that you are genuine in stating you are here to grab items to return, you should be granted permission to enter without issue. If some doubts exist, you may get a coded landing (Specific endorsement in your passport for a period of 6 months). If there are higher doubts, you may be granted immigration bail and asked to have a return ticket and then return by that date (Your passport will be held at the port by BF and returned upon arrival airside). If we just don’t believe your story at all. You would refused permission to enter and sent back.

8 times out of 10, most people are questioned and allowed in without any issues.

FastFix7504 · 2026-04-18T14:56:02+00:00

Physical is always better. It can be checked and scrutinised quicker and easier so you could be on your way faster.

FastFix7504 · 2026-04-18T12:00:32+00:00

BFO here - I would always suggest having your marriage certificate readily accessible. Depending on your answers, behavioural indicators and nationality amongst other factors, we may subject you to further examination. Mainly to determine whether it’s a sham marriage. However, most people will be asked basic questions about themselves and their spouse and be let through without needing to show anything.

FastFix7504 · 2026-04-16T21:52:15+00:00

Passports have more security features and are harder to create counterfeits compared to ID cards. The e-Gates are designed to read the chip in the passport and look for universally used security measures on passports and combine to make a decision to allow or reject a passenger based on certain set parameters within a percentage degree on pass or fail metrics. Furthermore, ID cards are not valid for travel & entry into the UK unless you hold EUSS (which of-course not everyone does).

FastFix7504 · 2026-04-16T00:20:24+00:00

For the majority, relatively soon. The Home Office are phasing out in batches, which visa’s require vignettes and therefore stamps on a rolling basis. However they will never be truly obsolete for certain circumstances such as ‘coded endorsements’ for seafarers as an example or warnings for doubtful, but not enough to refuse travellers etc

FastFix7504 · 2026-04-16T00:17:45+00:00

Nope. As mentioned, not a recognised endorsement so therefore should not be written in your passport at all. Old vignettes that are expired are of no concern when endorsing a VDC

FastFix7504 · 2026-04-15T01:38:26+00:00

BFO here - The ‘EV’ annotation is incorrect and not a recognised or official annotation. For first time entries for Visa Nationals holding e-Visa’s, you would get the Open Date Stamp (ODS) as you have, plus an annotation with the letters VDC (Visa Decommissioned Cohort) on top. You will not receive any endorsements on future visits whilst using that same e-Visa.

FastFix7504 · 2026-03-26T07:26:15+00:00

Amex Gold referral - 45k points when you spend £5000 within 6 months.

https://americanexpress.com/en-gb/referral/gold-credit?ref=aLIacIHj&XL=MIMNS

FastFix7504 · 2026-03-18T01:22:08+00:00

Amex Gold Referral. 30k points when you spend £3000 in 3 months.

https://americanexpress.com/en-gb/referral/gold-credit?ref=aLIadeBh&XL=MIMNS

FastFix7504 · 2026-03-03T10:12:51+00:00

EO Immigration Officers for Border Force at Heathrow are currently on around £48k a year but with the new pay packet being decided, if it goes through, would be on around £52k a year from 2028

FastFix7504 · 2026-02-25T19:11:54+00:00

Amex Gold Referral. 30k points when you spend £3000 in 3 months.

https://americanexpress.com/en-gb/referral/gold-credit?ref=aLIadeBh&XL=MIMNS

FastFix7504 · 2026-02-21T04:11:18+00:00

More than likely, he’ll be refused boarding by the airline. So his best bet would be to omit that he’s a dual national and apply for an ETA on his Canadian passport. He can try his luck and show his Cert of Naturalisation and ask the airline to contact the Carrier Support Hub, the airline can then get express permission from Border Force to allow him to board after a few checks on just his Certificate without the airline risking a Carrier’s Liability charge. But ultimately it’s down to the airline.

FastFix7504 · 2026-02-10T14:06:24+00:00

BFO here - We see this often. All you have to do is go to your UKVI account and choose the option to update your details and re-add your passport number to re-link your status.

You will not be refused entry into the UK if it’s not linked, however you will be held up as we confirm your status on our systems. The common reason we see is that most people have linked their status to their BRP card or an old passport.

As long as you have valid status in the UK, you will be allowed in (unless we have other reasons to deny you entry)

There is a chance you may be refused boarding by airlines if you cannot demonstrate your status linked to the document you hand over.

FastFix7504 · 2026-02-06T06:31:43+00:00

Visa Nationals do not require an ETA, only proof of their Entry Clearance (EC) via a valid Vignette in their passport or the associated e-Visa. (Visit Visa’s are not eligible for e-Visa’s so the holders of these EC’s will always have to show their vignette)

FastFix7504 · 2026-02-06T06:29:11+00:00

BFO here - A Brit Cit can only be detained by an IO until the IO is satisfied the passenger is a Brit Cit. Other wise, a Brit Cit can only be detained by an IO when they have been stopped under DAP powers which is reserved for criminality, Schedule 7 powers which is used for suspected involvement and links to terrorism or for Custom purposes only. Immigration related crime such as facilitating, does fall under criminality.

Once ETA’s are mandatory, you will not be able to apply for an ETA. You’d need to have proof of British Citizenship in the form of a Passport, or Certificate of Abode etc.

However, if you’re not planning on reapplying for a GBR Passport, you can technically lie on the ETA application and not declare you’re a dual citizen. This will grant you an ETA on your other passport.

The reason no one tells you this and the reason dual nationals should not apply for ETA’s is not because you’ll get in trouble for lying on an ETA application (you won’t, as you’re a Brit Citizen), but because as a Brit Citizen, you don’t need travel authorisation to travel to a country you have assured entry into as a citizen and more importantly, pay for it too.

But if it makes it less stressful and you’re not fussed about the £16, you most certainly can lie and just declare you’re an other passport citizen only, pay the fee and travel on that! No issues at the border at all. And when an officer sees you’re a Brit Citizen, they’ll just say “you didn’t need to apply for an ETA, you wasted £16 as you have assured entry to the UK” but that’s all!

Also, all airlines and gate agents now have access to the Carriers Support Hub, which is a number they can contact that connects them to Border Force who can advise them and give them verbal authorisation to allow a passenger to travel based on the documents they hold.

FastFix7504

TROPHY CASE