Exciting New Graduate Nursing Programme Launched in Toronto, Canada for Aspiring Filipino, Asian and African Nurses

Exciting New Graduate Nursing Programme Launched in Toronto, Canada for Aspiring Filipino Nurses 

In an effort to address the challenges faced by nursing professionals in the Philippines and other asian and African coutries seeking opportunities in Canada, a prominent institution in Toronto, Canada has introduced an innovative program designed to bridge the gap. This new graduate nursing program is the solution many aspiring nurses have been waiting for.

Unlock Your Dream of Nursing in Canada with the New Graduate Nursing Programme 

As the demand for Registered Nurses (RNs) continues to surge in both Canada and the United States, it has become increasingly challenging for nurses from abroad to meet the stringent prerequisites for practicing in these countries. This new initiative aims to empower Filipino and Vietnamese nurses by offering them a comprehensive route to achieving their Canadian nursing aspirations. Your nursing skills are highly transferable, and this program provides you with the opportunity to make the transition from nursing in the Philippines or Vietnam to becoming a certified nurse in Canada with the possibility of Permanent Residence (PR) status and a pathway to Canadian citizenship. 

Earn While You Learn - A Unique Opportunity 

One of the standout features of this program is that it allows you to earn while you learn. Enrolled students will receive a guaranteed 500 hours of paid work at an impressive rate of $40 CAD per hour. This equates to a substantial earnings potential of $20,000 Canadian Dollars while you study, providing a financial boost as you prepare for your nursing career in Canada. 

Nursing Opportunities and Salaries in Canada

Canada is experiencing a nursing shortage, so salaries are competitive. Nursing in Canada offers an array of opportunities. Registered Nurses (RNs) can work in various settings, including hospitals, long-term care facilities, community health, mental health, and more. Nurse Practitioners (NPs) have advanced practice roles, including diagnosing, prescribing medications, and providing primary care. Specialized nurses, such as paediatric or critical care nurses, are in high demand as well.

In terms of salaries, nurses in Canada are well-compensated for their dedication. On average, a registered nurse in Canada can earn anywhere from $60,000 to $100,000 CAD annually, depending on factors such as location, experience, and specialization. The average RN in Canada earns $80,881 per year, according to jobbank.gr.ca.

Nurse practitioners often earn higher salaries in excess of $100,000 CAD due to their advanced roles. 

The Vibrant City of Toronto, Ontario 

Toronto, the dynamic capital city of Ontario, is a cosmopolitan metropolis with a population of 2.9 million. This thriving urban center offers an ideal backdrop for your academic and professional journey, ensuring an enriching and diverse experience throughout your studies. 

Course Description - Your Pathway to Canadian Nursing 

This program is specifically designed for graduate nurses with a minimum of 2 years of working experience in their home country, offering a clear route to Canadian nursing registration, successful completion of the NCLEX exam, and Permanent Residence in Canada. The comprehensive curriculum prepares students for the NCLEX examination and provides a thorough understanding of the Canadian nursing system. 

The duration of the program varies, with options for a 12- or 18-month term based on your prior experience and IELTS proficiency. 

Invest in Your Future with Competitive Fees 

We understand that cost is a significant factor for aspiring nurses. The program offers competitive fees to ensure accessibility for all eligible candidates: 

- 12-month course - $16,500 CAD

- 18-month course - $21,500 CAD

Requirements for Enrolment 

To be eligible for this exciting opportunity, candidates are required to meet the following criteria: 

- Possess a Nursing Degree/Diploma e.g. from the Philippines, Vietnam, or Cambodia

- Have a minimum of two years of nursing work experience in your home country

- Achieve an IELTS score of 6.0/6.5 

Ready to Begin Your Journey as a Nurse in Canada? 

If you are a dedicated nursing professional with at least two years of experience in the Philippines, this program is tailored to help you realize your dream of nursing in Canada. Don't miss this chance to embark on a fulfilling career path. For more information and to express your interest, please contact Charles Kelly via email at info@ukuniversityservices.com.

Embark on a Rewarding Nursing Career in Canada - Enroll Today! 

https://ukuniversityservices.com

Is Your Money Safe In Metro Bank?

Is Your Money Safe In Metro Bank?

In this week’s Money Tips Podcast:

·        Should you worry about Metro Bank’s finances, as they struggle to raise £600 million to maintain its ambitious expansion programme.

·        Property prices fall for sixth month in a row according the Halifax who say the slump will continue into 2024.

Watch video

 

See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA

 

Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I

How To Develop A Millionaire Mindset

I want to show you exactly how you can:

•       Not only survive, but thrive in a recession or depression?

•       Get control of your finances and spending?

•       Save and invest for your future?

•       Learn about money and finance?

·        Develop a millionaire mindset

To help you, I am running a free training webinar. 

3 Steps To Success Money Management and Financial FREEDOM!

I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!

Join me online on my free live money management training Wednesday at 8.00PM.

Places are limited, so register now below to avoid disappointment.

https://bit.ly/3QPp8IH

#mortgage #fixedratemortgage #landlord #property #metrobank #houseprices

Good News And Opportunities For Landlords As Fixed Mortgage Rates Fall A...

Good News And Opportunities For Buy-to-Let Landlords As Mortgage Interest Rates Finally Start To Fall And EPC Changes Dropped

In this week’s Money Tips Podcast edition:

·        Fixed mortgage rates ease following Bank of England’s rate hold.

·        Opportunities for landlords to increase rental returns and/or reduce management time and costs through leasing, holiday lets and rent-to-rent.

·        EPC Changes Dropped

The Bank of England held rate this month, as inflation starts to ease, and the economy slows. Lenders have responded with lower fixed rates.

Watch full video here: https://youtu.be/Y5nEzLl9wmw

Banks are in the business of lending, which means they must make mortgage deals more attractive for borrowers.

However, headline fixed rates are not always the best deal when fees and charges are taken into account.

For instance, SBI are offering a market leading fixed rate mortgage at 3.9%! Sounds great until you realise that the arrangement fee is a whopping 5%! This would amount to £10,000 on a £200,000 loan.

You could be better off paying a higher rate with a lower fee, which is why it pays to use an experience independent adviser. A good independent mortgage broker can guide you through the minefield of mortgage deals.

Higher interest rates have forced landlords to look for better returns and yields on their properties.

The rent-to-rent and holiday let market has grown in the last few years and there are many established and reputable companies offering a variety of solutions for landlords seeking higher returns or less management.

Some offer guaranteed rents for periods ranging from 2 – 5 years, while others will share profits with the landlord on holiday lets, which could be higher but has no guarantee.

The property must be in a “habitable” condition, but in the case of holiday lets must also be fully furnished to a high standard at the landlord’s expense – this can involve spending up to £10,000 to get the property in showroom condition.

There is a huge demand for properties for contractors, homeless families and asylum seekers.

Do your own due diligence and stick to establish, reputable companies with a good track record.

If you have a mortgage, check that your lender will allow a company let or lease and obtain their permission to avoid being in breach of your mortgage terms. This could result in your mortgage being cancelled or “called in” = i.e., we want our money back in 30 days!

Your buildings insurer will also need to be informed, otherwise you risk having any claims, for instance a fire, refused.

See also:

 

·        Transfer Property to A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA

 

·        Housing Market in DEEP Trouble: https://youtu.be/USGREwntT1I

In today's challenging economic landscape, where inflation, higher interest rates, and downturns prevail, there are always those who not only survive but thrive. What sets them apart?

The answer lies within you.

Your internal economy and mindset have a more profound impact on your financial success than external events. Recent events have exposed that many lack the financial resilience to handle unexpected crises like job loss or mounting bills.

But the good news is, you can take control.

Learn how to master your money in just 28 days, paving the way to wealth and financial freedom without sacrificing your life's pleasures.

In this free live online training, I will reveal:

- The 3-Step Formula for Successful Money Management

- Strategies to Transform Your Money Mindset

- Techniques to Build Lasting Wealth

How To Develop A Millionaire Mindset

I want to show you exactly how you can:

•       Not only survive, but thrive in a recession or depression?

•       Get control of your finances and spending?

•       Save and invest for your future?

•       Learn about money and finance?

·        Develop a millionaire mindset.

To help you, I am running a free training webinar. 

3 Steps To Success Money Management and Financial FREEDOM!

I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!

Join me online on my free live money management training Wednesday at 8.00PM.

Places are limited, so register now below to avoid disappointment.

https://bit.ly/3QPp8IH

Have a great weekend and week ahead.

 

#mortgage #fixedratemortgage #landlord #property #renttorent #butoletlandlord #rentalproperty #asylum #EPC #Netzero

NEW THREAT To Landlords And Employers As Home Office Tripple Fines For S...

NEW THREAT To Landlords And Employers As Home Office Tripple Fines For Supporting Illegal Immigrants

Just when landlords thought they’d suffered enough red tape a new threat is looming.

If you would like to take things to the next level and learn more about managing your money and becoming financially free, I invite you to join me on my 1 Day S.M.A.R,T MONEY Workshop – Saturday 19 August 10-5pm (with regular breaks and a lunch).

Click here to register:  https://buy.stripe.com/00g01E92W4R8cfebII  

The UK Home Secretary, Suella Braverman, announced this week that fines will to be more than tripled for employers and landlords who allow illegal migrants to work for them or rent their properties.

The civil or non-criminal penalty for employers, last raised in 2014, will be increased to up to £45,000 per illegal worker for a first breach from £15,000, and up to £60,000 for repeat breaches from £20,000.

Fines will rise from £80 per lodger and £1,000 per occupier for a first breach to up to £5,000 per lodger and £10,000 per occupier.

Repeat offenders will face fines of £10,000 per lodger and £20,000 per occupier, up from £500 and £3,000 respectively.

The higher penalties, which require a lower burden of proof than a criminal prosecution, will be introduced in 2024.

The Home Office will consult on options to strengthen action against licensed businesses who are employing illegal workers later this year.

Almost 5,000 civil penalties have been issued to employers with a total value of £88.4m since 2018.

In the same period, buy-to-let landlords have been hit with over 320 civil penalties valued at £215,500.

Minister for Immigration Robert Jenrick said that employers and landlords should already be checking the eligibility of anyone they employ or let a property to. There are a number of ways to do this, which are not changing, including via a manual check of original documentation and a Home Office online checking system. The online check takes only 5 minutes.

Over 17,000 people have entered the UK illegally this year on small boats from France.

UK inflation fell to 6.8% (from 7.9) this week raising hopes that the Bank of England will hold interest rates at 5,25% - the highest for 15 years - next month.

However, with core inflation unchanged at 6.9% interest rates could rise to 5.5% adding further pressure on the housing market and driving the UK further towards a recession.

We are not out the economic woods yet, so learning how to mange your money has never been so crucial.

See also:

Landlord - Serviced Accommodation V Buy-to-Let Property Rental And HMO’s - Exploring Alternative Buy-to-Let Strategies in the UK: Serviced Accommodation, Holiday Letting, and HMOs

https://youtu.be/5uJcr7YoPso

See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA

If you would like more information and an assessment on letting your property hassle free, hands-off with FULL MANAGEMENT using the serviced accommodation model, email southherts@localagent.co.uk with your property details and location.

Content for educational purposes only, not financial advice. Always speak to an independent financial or mortgage adviser.

SPECIAL OFFER

S.M.A.R.T Money Management Workshop

I want to help you get control of your money, learn how to invest and become financially free.

If you would like to take things to the next level and learn more about managing your money and becoming financially free, I invite you to join me on my 1 Day S.M.A.R,T MONEY Workshop – Saturday 19 August 10-5pm (with regular breaks and a lunch).

Click here to register:  https://buy.stripe.com/00g01E92W4R8cfebII  

On this interactive workshop I’ll be taking you through the following in more detail: 

·        Millionaire mindset

·        Your money personality

·        Your money blueprint

·        Investing in stocks and shares

·        Saving tax

·        Investing in property

·        Saving money

·        Budgeting planner

·        Second income

·        Financial freedom

·        And much much, more

Cost for 2 places just £17.00!

I look forward to meeting you on Saturday 19 August. 

Places are limited to give attendees more individual attention - reserve your seat now - https://buy.stripe.com/00g01E92W4R8cfebII

 

 

#illegalimmigration #illegalmigrants #interestrates #property #mortgages #remortgage #mortgagerates #homebuyers #estateagent #housepricefall #finance #moneytraining #moneymanagement #wealth   #bankofengland #inflation #money #servicedaccommodation #holidaylet #HMOrental #holidatrental #airbnb #booking.com #buytoletlandlords #health #business

 

 

UK Illegal Migration Bill Becomes Law

 

The controversial Illegal Migration Bill has become law as the government prevailed over strong opposition in the Lords and figures show the number of migrants crossing the English Channel this year exceeded 14,000.

The asylum reforms form a major part of Prime Minister Rishi Sunak's promise to "stop the boats” and will prevent migrants from claiming asylum in the UK if they have arrived here illegally.

The disputed Bill became an Act of Parliament on Thursday after receiving Royal Assent, the same day it was revealed that 14,701 Channel illegal boat crossings have been made so far this year.

The government are hoping the new law will see detained people removed without delay, to their home country or a safe third country.

The Home Office is locked in a legal battle with the Supreme Court which will decide whether migrants can legally be deported to Rwanda, following a Court of Appeal ruling the plan unlawful.

Although there are details yet to be ironed out, this week, "people who arrive illegally under the new laws will be banned from re-entering the UK and will not be eligible for settlement or citizenship, except in limited circumstances," the Home Office said.

The Prime Minister and the Home Secretary Suella Braverman argue that taxpayers are shouldering the £6 million daily bill for migrants to be accommodated in luxury hotels.

This week a huge barge planned to house 500 asylum seekers was met by protesters as it arrived in Dorset's Portland Port.

With a general election looming, Rishi Sunak is desperate to reduce net migration, which exceeded 1 million last year.

The Office for National Statistics (ONS) reports that in 2022: 1.2 million people migrated into the UK and 557,000 people emigrated, a net migration figure of 606,000 as of the end of June 2022.  

International students could be targeted in a bid to slash immigration by the end of the current parliament.

Unlocking Student Visa Opportunities: Study Abroad In Other Countries Amid UK Home Office Restrictions

The recent restrictions imposed by the UK Home Office on overseas students have sparked a need for alternative avenues to pursue higher education. While these restrictions may limit options for international students in the UK, it's important to recognize the wealth of opportunities that exist in other countries. In this article, we explore some countries that offer excellent education systems, welcoming environments, and promising career prospects for students seeking to broaden their horizons.

1. Canada: Known for its diverse and inclusive society, Canada has become a popular destination for international students. With top-ranked universities, affordable tuition fees, and numerous scholarship opportunities, Canada offers a welcoming environment and high-quality education across various fields.

2. Germany: Renowned for its strong engineering and technical programs, Germany offers tuition-free or low-cost education at its public universities. The country's emphasis on research and innovation, combined with a rich cultural experience, makes it an attractive choice for aspiring students.

3. Australia: With its stunning landscapes and world-class universities, Australia has long been a favourite study destination. Boasting a multicultural society and a reputation for academic excellence, Australia offers a wide range of courses and ample opportunities for international students to thrive.

4. Italy: Studying in Italy offers a unique cultural experience and access to renowned educational institutions. By following the necessary steps and preparing your application diligently, you can embark on a memorable educational journey in Italy.

Conclusion:

While the UK Home Office restrictions may limit opportunities for overseas students and their dependents, it's important to view this as an opportunity to explore other countries that offer exceptional educational experiences. Countries like Canada, Germany, Australia and Italy provide a wealth of options for students seeking high-quality education, cultural diversity, and promising career prospects. By embracing these alternatives, students can unlock a world of opportunities to broaden their horizons, acquire new skills, and make lifelong connections in global educational environments.

Want to study abroad?

If you would like to study abroad in the UK, Australia, Canada, Italy or other country, click here to leave your details.

Unlocking Student Visa Opportunities: Study Abroad In Other Countries Amid UK Home Office Restrictions

Unlocking Student Visa Opportunities: Study Abroad In Other Countries Amid UK Home Office Restrictions

Introduction:

The recent restrictions imposed by the UK Home Office on overseas students have sparked a need for alternative avenues to pursue higher education. While these restrictions may limit options for international students in the UK, it's important to recognize the wealth of opportunities that exist in other countries. In this article, we explore some countries that offer excellent education systems, welcoming environments, and promising career prospects for students seeking to broaden their horizons.

1. Canada: Known for its diverse and inclusive society, Canada has become a popular destination for international students. With top-ranked universities, affordable tuition fees, and numerous scholarship opportunities, Canada offers a welcoming environment and high-quality education across various fields.

2. Germany: Renowned for its strong engineering and technical programs, Germany offers tuition-free or low-cost education at its public universities. The country's emphasis on research and innovation, combined with a rich cultural experience, makes it an attractive choice for aspiring students.

3. Australia: With its stunning landscapes and world-class universities, Australia has long been a favourite study destination. Boasting a multicultural society and a reputation for academic excellence, Australia offers a wide range of courses and ample opportunities for international students to thrive.

4. Italy: Studying in Italy offers a unique cultural experience and access to renowned educational institutions. By following the necessary steps and preparing your application diligently, you can embark on a memorable educational journey in Italy.

Conclusion:

While the UK Home Office restrictions may limit opportunities for overseas students and their dependents, it's important to view this as an opportunity to explore other countries that offer exceptional educational experiences. Countries like Canada, Germany, Australia and Italy provide a wealth of options for students seeking high-quality education, cultural diversity, and promising career prospects. By embracing these alternatives, students can unlock a world of opportunities to broaden their horizons, acquire new skills, and make lifelong connections in global educational environments.

Want to study abroad?

If you would like to study abroad in the UK, Australia, Canada, Italy or other country, click here to leave your details.

 

Banking Crisis And UK 2023 Budget Summary, What You Need To Know

Banking Crisis And UK 2023 Budget Summary, What You Need To Know

Another US bank bailed while Paris burns.

3 Steps To Success Money Management! Join me online on my free live training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH

As expected, Jeremy Hunt’s first budget did little to excite investors and the property industry.

With the country still recovering from the events of the last two years and massive Government debt there was not much money to give away in this budget. Chancellors usually save that for a pre-election budget!

Jeremy Hunt highlighted concerns about the banking sector, following the collapse of America’s Silicon Valley Bank, Signature Bank and a further bailout by the US banks, but reassured us that the UK banking industry is safe.

European Central Bank supervisors see no contagion for euro zone banks from recent sector turmoil, a source said on Friday, after U.S. lenders threw First Republic Bank a $30 billion lifeline and tapped record amounts from the Federal Reserve.

Large U.S. banks on Thursday were forced to rescue the San Francisco-based lender, which was caught up in market volatility triggered by the collapse of two other mid-size U.S. banks.

This week, Credit Suisse went ‘cap in hand’ to the central for an emergency bank loan of up to $54 billion to shore up its liquidity – banking terms for having no money!

The National Residential Landlords Association described it as missed opportunity to tackle the supply crisis in the private rented sector and the Royal Institution of Chartered Surveyors (RICS) said it was disappointed by the lack of housing ambition in the budget.

However, the Chancellor did announce 12 new Investment Zones across the UK and relaxed Immigration Rules to help the construction industry cope with staff shortages.

Most of us will be paying more tax  in the coming years due to the ‘fiscal drag’ caused by tax allowances not rising in line with inflation each year.

Here’s a summary of the main points, but you can read the full budget speech at the commons library - https://commonslibrary.parliament.uk/research-briefings/cbp-9748/

Budget main points

·        Energy cap limiting typical household energy bills to £2,500 a year extended to June

·        £200m to bring energy charges for prepayment meters into line with prices for customers paying by direct debit - affects 4m households

·        Lifetime Allowance – the cap on amount workers can accumulate in pensions savings over their lifetime before having to pay extra tax (currently £1.07m) to be abolished

·        Tax-free yearly allowance for pension pot to rise from £40,000 to £60,000

·        The 5p cut to fuel duty on petrol and diesel, due to end in April, kept for another year

·        Office for Budget Responsibility (OBR) predicts the UK will avoid recession in 2023, but the economy will shrink by 0.2%? Economy shrinking but not in recession!

·        Growth of 1.8% predicted for next year, with 2.5% in 2025 and 2.1% in 2026

·        UK's inflation rate predicted to fall to 2.9% by the end of this year, down from 10.7% in the last three months of 2022

·        Underlying debt forecast to be 92.4% of GDP this year, rising to 93.7% in 2024

·        Corporation tax, paid by businesses on taxable profits over £250,000, confirmed to increase from 19% to 25% making the UK a less competitive place to invest

·        Companies with profits between £50,000 and £250,000 to pay between 19% and 25%

·        Companies able to deduct investment in new machinery and technology to lower their taxable profits

·        Tax breaks and other benefits for 12 new Investment Zones across the UK, funded by £80m each over the next five years

·        £200m this year to help local councils in England repair potholes

·        £900m for new super computer facility, to help UK's AI industry

·        30 hours of free childcare for working parents in England expanded to cover one and two-year-olds, to be rolled out in stages from April 2024

·        A £600 "incentive payments" for those becoming childminders, and relaxed rules in England to let childminders look after more children

·        New fitness-to-work testing regime to qualify for health-related benefits

·        New voluntary employment scheme for disabled people in England and Wales, called Universal Support

·        Tougher requirements to look for work and increased job support for lead child carers on universal credit

·        £63m for programmes to encourage retirees over 50 back to work, "returnerships" and skills boot camps

·        Immigration rules to be relaxed for five roles in construction sector, to ease labour shortages

Source: BBC News

We are living in turbulent times. Need more help with your money, finances, or debt?

I want to show you how can you:

·        Not only survive, but thrive in a recession or depression?

·        Get control of your finances and spending?

·        Save and invest for your future?

·        Learn about money and finance?

To help you, I am running a free training webinar. 

3 Steps To Success Money Management!

I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.

Join me online on my free live training Wednesday at 8.00PM.

Places are limited, so register now below to avoid disappointment.

https://bit.ly/3QPp8IH

#money #savings #invest #costoflivingcrisis #inflation #freetraining #recession #economy #financialfreedom #moneymanagement #moneymakingideas #mortgage #interestrates #property #budget  #franceriots #parisriots #pension

Toronto Property Market Explained By Luc Lising One Of Canada’s Top 1% R...

Toronto Property Market Explained By Luc Lising One Of Canada’s Top Realtors  

For more great tips and money-making ideas and coaching offers see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr.

In this exclusive interview with 22-year-old Canadian-Filipino Luc covers:

·        Why buying in a property downturn is the best time for opportunities.

·        The advantages of buying off-plan new build condos in the GTA.

·        Government ban foreign property investors.

·        What you MUST do to be successful.

·        The importance of having a mentor.

·        Don’t meditate on work, just work!

·        Simple businesses that work!

Watch full video interview - https://youtu.be/lldv5gL1GaQ

The UK housing market will shrink - but not necessarily crash - next year, industry experts agree, as the government fights recession and higher mortgage rates.

House prices have been dropping month-on-month with average prices down 2.3% in November from October – the most since the start of the financial crash in 2008 – according to Halifax.

See My UK Property Predictions For 2023 – Where Is The Housing And Rental Market Going?

Watch video on my YouTube channel - https://youtu.be/ekDrJUZ6pUg

#property #rentalmarket #finance #financialfreedom #freefinancialtraining #freetraining #money #wealth #landlord #buytoletlandlord #property #goals #plans #interestrates #mentor #canadapropertymarket #GTApropertymarket #torontoproperty #luclising #filipinocanadian

Immigration News – New Rules To Deter Illegal Immigration Suella Braverman Promises

In a recent speech to parliament, Home Secretary Suella Braverman vowed to crack down on illegal immigration.

People who came to the UK illegally could “expect to be detained and swiftly returned” to a safe country, she announced to MPs hours after four migrants drowned when their boat got into trouble in the English Channel.

The latest “crackdown” has not been helped by a strike by one thousand UK Border officers and news that the number of migrants arriving in Britain on small boats will top 45,000 by the year end – 60% up on 2021.

With hotel bills for housing asylum seekers running at £7 million a day and her party lagging behind labour in the polls, the Home Secretary is under pressure to solve the migrant crisis.

Net migration figures now exceed half a million prompting the Home Secretary to rethink how the Immigration Rules could be applied to make it harder to bring family members, students and workers to come to the UK. Details of tougher measures are expected to be announced in the near future.

Millions of students are taking advantage on online degree courses saving thousands of dollars on fees, accommodation – with no need for a student visa.

UK Property Predictions For 2023 – Where Is The Housing And Rental Market Going?

With some forecasters warning of somewhere between a depression and Armageddon, here are my thoughts on the UK housing market.

The UK housing market will shrink - but not necessarily crash - next year, industry experts agree, as the government fights recession and higher mortgage rates.

House prices have been dropping month-on-month with average prices down 2.3% in November from October – the most since the start of the financial crash in 2008 – according to Halifax.

Watch video on my YouTube channel - https://youtu.be/ekDrJUZ6pUg

Price growth will decline in 2023 as soaring inflation hits the economy and forces interest rates up.

As the downturn intensifies the Bank of England is expected to raise interest rates into 2023 from 3.5% now to 4.75%, but there are signs that the rate of inflation is slowing.

Higher interest rates will hit buy-to-let landlords and investors, as deals fail to stack up.

Move from cities to the country is slowing, as more people move back to the office.

Property experts forecast property price declines of 5% - 12% next year, although some warn of a crash by 15% to 20%. 

Mortgage rates have since fallen back since the disastrous mini-budget in September to an average five-year fix at 5.6% according to Moneyfacts – still far higher than a year ago.

UK Finance forecast gross mortgage lending for house purchases to decline to £131bn in 2023 from £171bn in 2022 and a peak of £189bn in 2021.

Leading UK lenders have met with government officials to discuss measures to ease the burden on around 90,000 people in mortgage arrears, the FT reports. Property sales are set to drop to 1.01m next year from 1.27m in 2022.

Savills warns of a severe drop in transactions, to 870,000, and a 10% fall in house prices in 2023. Estate agents Jones Lang LaSalle forecasts a 6% drop in house prices next year. Both firms expect a 1% price growth in 2024, as interest rates fall back and inflation cools.

The Bank of England said 4m households face higher mortgage payments next year.

Typical payments could rise by £250 to £1,000 a month causing severe financial difficulties for 220,000 households.

Capital Economics’ central forecast is for house prices to fall by 12% by the end of 2023, but Andrew Wishart, senior economist at the consultancy, said in a worst-case scenario prices could plummet by up to 20%.

Rent prices meanwhile have surged to record levels due to a shortage of properties to rent and growing demand, as well as a slowing buy-to-let market and many first-time buyers are opting to rent in the hope of lower mortgage rates in 2023/24. Some 85,000 landlords have quit the buy-to-let market in the last 5 years.

See my Money Tips Podcast video - https://youtu.be/NME3nEu8dAQ

UK private rents jumped by 4% in November, the highest since records began in 2016, official figures showed.

Globally, many markets seem overheated and, in a bubble – Toronto, Sydney and Auckland for instance.

China’s property market boom appears to be over with a 20% decline.

As with all economic forecasts, much depends on government action and the prevailing winds of the economy, but more rests on your action in your U’conomy!

Your goals for 2023

·        How was 2022 for you?

·        Did you achieve your goals?

·        What are your financial goals for 2023 and how do you plan to achieve them?

I wish you a happy and successful new year!

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UK Property Predictions For 2023 – Where Is The Housing And Rental Marke...

UK Property Predictions For 2023 – Where Is The Housing And Rental Market Going?

With some forecasters warning of somewhere between a depression and Armageddon, here are my thoughts on the UK housing market.

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The UK housing market will shrink - but not necessarily crash - next year, industry experts agree, as the government fights recession and higher mortgage rates.

House prices have been dropping month-on-month with average prices down 2.3% in November from October – the most since the start of the financial crash in 2008 – according to Halifax.

Price growth will decline in 2023 as soaring inflation hits the economy and forces interest rates up.

As the downturn intensifies, housing indicators are showing red with rates expected to go even higher and the UK goes into a long recession.

The Bank of England is expected to raise interest rates into 2023 from 3.5% now to 4.75%, but there are signs that the rate of inflation is slowing.

Higher interest rates will hit buy-to-let landlords and investors, as deals fail to stack up.

Move from cities to the country is slowing, as more people move back to the office.

Property experts forecast property price declines of 5% - 12% next year, although some warn of a crash by 15% to 20%. 

Mortgage rates have since fallen back since the disastrous mini-budget in September to an average five-year fix at 5.6% according to Moneyfacts – still far higher than a year ago.

UK mortgage lenders expect to lend 23% less to homebuyers in 2023 following a two-year boom.

UK Finance forecast gross mortgage lending for house purchases to decline to £131bn in 2023 from £171bn in 2022 and a peak of £189bn in 2021.

Leading UK lenders have met with government officials to discuss measures to ease the burden on around 90,000 people in mortgage arrears, the FT reports.

Property sales are set to drop to 1.01m next year from 1.27m in 2022.

Savills warns of a severe drop in transactions, to 870,000, and a 10% fall in house prices in 2023.

Estate agents Jones Lang LaSalle forecasts a 6% drop in house prices next year.

Both firms expect a 1% price growth in 2024, as interest rates fall back and inflation cools.

The Nationwide expects a “modest decline” or “soft landing” in house prices next year, but lenders seldom talk of a property crash. The lender said 85% of mortgage balances are currently on fixed interest rates.

The Bank of England said 4m households face higher mortgage payments next year.

Typical payments could rise by £250 to £1,000 a month causing severe financial difficulties for 220,000 households.

Capital Economics’ central forecast is for house prices to fall by 12% by the end of 2023, but Andrew Wishart, senior economist at the consultancy, said in a worst-case scenario prices could plummet by up to 20%. “The initial drop in house prices has been sharper than in the financial crisis or the early 90s, “For affordability to return to a sustainable level by the end of 2023, when we think mortgage rates will still be around 5%, the average house price would have to drop by 20%.

On the other hand, were market and mortgage interest rates to drop faster than we expect, that would limit the fall in prices.”

Rent prices have surged to record levels due to a shortage of properties to rent and growing demand, as well as a slowing buy-to-let market and many first-time buyers are opting to rent in the hope of lower mortgage rates in 2023/24. Some 85,000 landlords have quit the buy-to-let market in the last 5 years.

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UK private rents jumped by 4% in November, the highest since records began in 2016, official figures showed.

Savills forecasts rental growth rising to 6.5% before slowing to 4% in 2024.

Globally, many markets seem overheated and, in a bubble, – Sydney and Auckland for instance.

China’s property market boom appears to be over with a 20% decline.

In my next episode, I will be talking to one of Toronto’s leading realtors about his housing predictions for 2023.

As with all economic forecasts, much depends on government action and the prevailing winds of the economy, but more rests on your action in your U’conomy!

Your goals for 2023

·        How was 2022 for you?

·        Did you achieve your goals?

·        What are your financial goals for 2023 and how do you plan to achieve them?

I wish you a happy and successful new year!

For more tips and money-making ideas and coaching see Master Your Money the S.M.A.R.T Way training.  

Check it out for free - https://bit.ly/3isugCr.

 

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