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  1. Today
  2. MaryJane

    Six months Canada, six months SA

    Please bear with me as I haven't done this for a long time and my memory is hazy but.... At your end, I'm almost sure you can extend your SA temporary resident visa for up to a year, if I'm not mistaken. You will need to apply for extension 60 days prior to expiry. Just can't remember if this is one application to extend to a year or will you be given 3 months at a time, up to a max of one year. I know that definitely after 1 year (or another specified timeframe), you will have to leave or apply for another status. Don't know much about retirement visas so I'll leave that topic. Please note that regulations may have changed surrounding visas and may be best to just do a follow up check on the SA Home Affairs or SA Consulate websites.
  3. MaryJane

    Personal Recommendation: Mortgage Brokers

    Sorry to hear this, OOSA. My 1st mortgage rate was arranged through a broker and we had a sorta okay experience. It was someone working for the bank, my current lender. I thought it was a good rate that I got, even though there were no long-term relationship or anything like that. He was recommended by my agent and I really had no issues, just thought I could use another broker who could look at other rates. My lender has contacted me about a rate, but it's a little higher than where I am now (only by 0.2%) Anyway, I've got a few more months to go before the decision so just kinda looking around. I'm tempted to renew since I have a very good relationship with the bank, but I'll wait when it's closer so I get to keep my low (er) rates for now. On the subject of the credit bureau black mark, have you tried ordering a free credit report to see what the black mark is? if so, I'm almost sure you can dispute whatever this black mark is, especially now that you have a letter proving they admitted there was an error in their system that caused the mark in the first place. You can order one from Equifax and one from Transunion (2 of the biggest credit bureau reporting agencies and see what they have on you) and if the letter is not enough, ask them what they need to get the smear off.
  4. MaryJane

    Filling in ITA Forms

    NB: I'm not an Express Entry applicant so take my response with some pinch of salt 🙂 1. I included mine on job history. 2. Do not know so will leave this for someone else, but I would think this only applied to *mandatory* ones. 3. I included all immediate family members - siblings, parents, kids, spouse 5. For PO Box, it may be "PO Box 1234 Example Park 8976 South Africa" ?? The special character "," may be throwing it off? 5. For address filling, I think it should read: Apartment/Unit number: Unit 123 Street number: (you should have a street number accompanying your street name) ### Street name: Koonap Street Street address/name line 2: La Belle Vie complex (or this could be where you put Fourways) City: Fourways (or this could be where you put Johannesburg) Country: South Africa Region: Gauteng The norm in SA is that you need to identify the complex name or else the post office may not know where to go. In Canada (Mississauga anyway), our complex addresses look like so: 123-789 Koonap St (this would be unit 123 on 789 Koonap St. I don't normally see the complex name.) 6. I don't have experience in this as I've only had one profession.
  5. QB87

    Filling in ITA Forms

    Screenshot of address fields in online application. This will help explain my dilemma in point 5.
  6. QB87

    Filling in ITA Forms

    Hi, I've received an ITA and I'm now filling in the online application. I've heard that Canada is very strict on the application forms and I don't want to mess it up. (I am the primary candidate and sponsoring my common-law partner). I've got a couple of questions and listed them in a numbered list below: My partner is an accountant and she completed her articles. Should we put the 3 years she articled as education or under the job history section as employed? I've read that you should not leave any input box (required and optional) blank, rather mark it as NA or N/A. Is this true? In the Personal Details section there is a Family section. Please see marked in red below. Should I list my family members here even if they are not coming with to Canada? My family is alive and well but they don't depend on me. Should I list my partner here if I am sponsoring her? In the Contact Details section, I'm not sure how to populate the PoBox and Address fields. There are two addresses to fill in here. PoBox and Street Address. 1. How do I complete the PoBox if it only consists of one input field? If I fill it in like "PoBox 1234 Example Park, 8976" it complains about the format. 2. How do I complete the address section? For example, I live in a complex and my example address is shown below. How should I enter this address into the input fields in the online application as the online form does not have place to add the complex name? 123 La Belle Vie, Koonap Street, Fourways, Johannesburg, South Africa, 2845 In the Job History section they are asking for the Primary Occupation, is the Primary Occupation your current job? For the question “Date XXXXX first became qualified to practice in this occupation” is this when you obtained your degree or when you started the Primary Occupation?
  7. Michael Cairns

    Wes Academic Transcripts

    On a side note, good luck with Wes. They have now delayed my processing by 1 more month, that after losing my initial transcripts, which I had to resend.
  8. Michael Cairns

    Proof of funds

    Hi. Can someone please confirm if Proof of Funds from our lawyer would be accepted. We currently have funds invested at 3 of our lawyers. Each separate investment is more than enough for the minimum required amount to immigrate, so we will only use proof from one lawyer. The funds are totally unencumbered and available on immediate request. We have been investing with our lawyers for the past 14 years.
  9. Michael Cairns

    IELTS

    The topic for the writing test recently was to write a letter to your friend, whose house you were minding whilst he was away, to tell him that his house was damaged by a storm. Just do as many of the example tests that you can find online. They all are of a similar standard, which isn't too difficult, coming from South Africa. Good luck.
  10. Shannon Carswell

    Spousal Sponsorship 2018

    Hi, Is there anyone thay applied for spousal sponsorship late 2018. What are your timelines. Does anyone know how long it takes to receive your passport back?
  11. OutOfSa

    Personal Recommendation: Mortgage Brokers

    Hi MJ We got completely xxxxxxxed - Over by an alternative lender. I went through a broker - for our 1st and 2nd. What happened was the mortgage company insisted on paying the property tax - over the course of a year I must have received about 10 corrections from their "experienced tax department". Then a letter saying we'd been charged way too much and a refund, followed 6 months later by a "we made a mistake, you owe big..$$$$." I lost patience, so I paid them out (FN) in cash to settle the tax. We then signed up with the city for automatic debit. They take 11 payments / year - giving you December off to buy Christmas stuff Eventually our renewal came up, we found a better (un-brokered) rate at the bank. So we changed to RBC - only to be warned by them that we had a credit bureau (BIG) black mark that we did not pay our property tax. *&^*&^#*&!*&#(*&#!#*&#(*&# !!!!!! Our property tax was 100% paid, our mortgage was 100% up to date ....FN: "sorry our departments did not communicate, so we reported you to the credit bureau on a monthly basis". "How are you going to fix that", "We're not. - nothing we can do once the credit bureau has it"....... *&^*&^#*&!*&#(*&#!#*&#(*&# !!!!!! (Between the lines - "we don't give a rats :censored: if we screwed up, what you going to do to us?" They did (finally) send me a letter saying that there was an error in their system, yeah - called gross incompetence - and that we were in good standing with all payments and had not defaulted ever. The bank were happy - we got the mortgage at an excellent rate. But the black mark remains - Thanks First National Mortgage - you guys were GREAT.... Not. First National will never get any business from me ever again and I will never recommend anyone to go to a private lender. Stick with the banks, negotiate your own rate and stay safe - they have much better dispute resolution mechanisms. Check BMO. a friend got an excellent rate the other day, also, you can get a cheap line of credit linked to the mortgage if you need it.
  12. KateB

    Six months Canada, six months SA

    Hi, My partner and I are hoping to spend six months in each country. I am a Canadian citizen and he is an SA Permanent Resident. I haven't quite figured out how I can stay in SA for more than three months, but will probably try to extend my visitors visa this next trip to SA while I sort out a retirement visa. We don't qualify for common-law yet, not having been together for the requisite two years. Has anyone else done this and how did they do it? We are both 65, so no time to waste😀. Thanks, KateB
  13. Yesterday
  14. So my 5-years is almost here and my mortgage is up for renewal soon (give or take just over 4 months to go). Am looking for a mortgage broker to help with finding the best rates, any personal recommendations? I just want to make sure that we get good rates (this may likely still be with my current lender). And that I don't just blindly accept what my lender is renewing us for. I'm based in Ontario, so anyone in and around the GTA area, would be ideal.
  15. logan

    IELTS

    @Jaen, use: this to calculate your CLB levels for each mark, and this to translate the CLB levels into a score. A quick calculation on your language score without a spouse is 113/136, and 106/128 with a spouse. The language proficiency is probably the "easiest" place to improve your CRS score. But before you re-write, its probably best to see what your overall CRS score is and then make a decision. Cheerio!
  16. Jaen

    IELTS

    Got my results today: Listening 8, Reading 6, writing 7, speaking 7.5 Do not understand the 6. Overall average is 7, does this mean I need to rewrite?
  17. Last week
  18. NadiaBD

    WES report submission for PR

    Thank you very much. We submitted the electronic copy and I was so afraid that we will get refused if we dont submit the original.
  19. 4DEE

    WES report submission for PR

    Use the electronic copy.The IRCC can always verify this in any case. WES always sends an electronic copy to IRCC.Besides that ,you wont even need hard copy since the Express Entry is mostly online anyway
  20. PhilipCX

    Proof of funds

    @logan No that is perfect. I'm sure IRCC won't be too fussy about it if the institution can give you a letter that you have immediate access to it.
  21. logan

    Proof of funds

    When I say unit trust, I mean 'money market' in particular...I'm not too familiar with financial terminology, but from what I was told a money market fund is a unit trust, and the term unit trust would be understood by the IRCC. I don't know if unit trust could be some other sort of fund. But, I used the term unit trust to refer to my money market account, and we had no hiccups.
  22. PhilipCX

    Proof of funds

    We are also going to use a unit trust account (Alan Gray) for our POF. So you've used it without any hiccups?
  23. logan

    Proof of funds

    Hi @Yolandib, We followed most of the advice on the forum, keeping the following in mind: PoF must show unencumbered funds. We didn't bother asking FNB for 6-month averages -- most people on the forums complain that the banks have no idea what to do unless you spend time at a branch explaining, or if you type up the letter yourself, and then go to the branch to get it signed. Trying to avoid lengthy lines and the tedium of explaining to a bank officer what we had in mind, we did the following (our PoF is a unit trust account): 1) Got 6 months of statements of all the accounts that were material to our proof of funds account: FNB check accounts -- showing funds deposited into the unit trust. FNB Credit card statements to explain our short-term liabilities were covered. 2) 6 Months of statements for the PoF. We also did a special power of attorney since the PoF account is in my wife's name, and added the PoA, and statement showing acknowledgement of the PoA from the unit trust manager. 3) Got a statement of my provident fund, attached the SARS tax-tables that shows how to calculate withdrawal benefit, as well as a valuation of home, and a letter from FNB showing our home-loan status and owed-amount. 4) Provided the much referred to (on this forum) excel sheet (which is controversial -- some like it, some don't) which showed a summary of our financial standing. This included our PoF account: liquid assets (only unencumbered, no investment accounts), provident fund standing (using tax-tables), fixed asset valuations (and loans), movable assets (and trans-union valuation). 5) In our LoE, we didn't bother to explain any money moving between accounts -- we reasoned that 6 months of detailed statements would explain the movements and show consistent income and transfers, i.e. no "sudden windfalls" which could raise flags. We had no follow-up questions, and our application was approved. I wouldn't presume the provide you with instruction on how to complete your application, but I thought I would share what worked for us. My approach was basically simple: show all accounts material to the PoF, the PoF, and show that the funds are unencumbered. All the best!
  24. Yolandib

    Proof of funds

    Thank you for the advice. The money is currently in a Savings account, and according to FNB they only give account confirmation letters for Cheque accounts. We have decided to transfer the money to the Cheque account and just explain in the LOE that we transferred it because of this. We are attaching the statement from the pension fund and referencing SARS website to explain how we calculated the After Tax amount. So We are attaching the Pension fund statement, and transaction histories and interim statements for the Savings account. We will then also attach a confirmation of account letter for the Cheque account after we have transferred the money. Do you think that will help?
  25. LidiaS77

    Proof of funds

    Hi @Yolandib, Personally this is not something that I would take a chance with. I would really recommend trying to get the bank statement and pension fund statements. We had no problems getting bank statements in the correct format from FNB. They were very helpful as far as I remember. They have something called an "Account Confirmation Letter" and then it is possible to print out your bank statements at the branch and they will stamp them with their official stamp. During the process we went to various branches including the FNB in the Bedford Centre, Menlyn Mall and The Grove Mall and they all helped us. I think they gave us the Account Confirmation Letter at the Grove if I remember correctly. As far as I know you can also get some bank statements through your online banking and they should also be on the letterhead. Print these out and maybe you can try to get them stamped at the bank. It is better to supply any kind of statement that you get from FNB and the pension fund even if it is before tax (you can explain that) than no statements at all (not 100% clear on if you are in fact attaching the pension fund statement before tax).
  26. Yolandib

    Proof of funds

    We are about to submit our Application for express entry. We are struggling with the proof of funds. We are using a Pension Fund and two bank accounts to show the funds. The pension fund does not want to give us a letter to state what the amount will be AFTER TAX. The bank also does not want to give us letters in the required format. I am planning to submit the following LoE: Dear Sir/Madam RE: Proof of funds letter of explanation Kindly see the breakdown of our available funds below, as well as an explanation for each account: Account Amount in Rand Amount in CAD Sentinel Retirement Fund R157 963.72 $15 058,44 FNB Tax free savings account R66 334.74 $6 323,62 FNB Savings Account R48 465.52 $4 620,16 TOTAL R272 763.26 $26 002,22 *Disclaimer: Exchange rate used as 1CAD = R10,49 as on today, 17 April 2019. 1. Sentinel Retirement Fund The total withdrawal benefit as on 02 April 2019 is R187 150,88. A tax exclusion of R25 000 is applicable and the remaining amount of R162 150.88 is subject to an 18% tax deduction – making the after-tax withdrawal amount available R157 963,72. The contact Centre Supervisor for Sentinel Retirement Fund, Mr. Mpho Mongae advised me that they cannot provide a letter with the after-tax amount of the benefit. The South African Revenue Services website has information on how the tax amount is calculated. Please see the link below, a screen shot of their website, as well as the table applicable to lump sum benefits. https://www.sars.gov.za/Tax-Rates/Income-Tax/Pages/Retirement-Lump-Sum-Benefits.aspx Withdrawal Benefit 2020 tax year (1 March 2019 - 29 February 2020) - No changes from last year Taxable income (R) Rate of tax (R) 0 – 25 000 0% 25 001 - 660 000 18% of taxable income above 25 000 660 001 - 990 000 114 300 + 27% of taxable income above 660 000 990 001 and above 203 400 + 36% of taxable income above 990 000 Kindly see the following supporting documents attached: • Statement of Estimated Benefits (annexure A) • Email from Mpho Mongae – Contact Centre Supervisor (annexure “B”) 2. Sibanye Stillwater – performance incentive bonus In February 2019 I received a performance incentive bonus from my employer, Sibanye Stillwater in the amount of R110 833,81 (After tax). I split this amount and deposited it into the following two accounts: First National Bank Tax-Free Savings account – R66 334,74 First National Bank Savings account – R48 465,52 First National Bank has advised me that they are not willing to supply a letter in the specific format as required by the Government of Canada as they only issue standard letters. Kindly see the following supporting documents attached: • Sibanye Stillwater performance incentive bonus payslip (annexure “C”) • FNB Tax Free Savings account interim statement (annexure “D”) • FNB Tax Free Savings account transaction history (annexure “E”) • FNB Savings account interim statement (annexure “F”) • FNB Savings account transaction history (annexure “G”) The contact details for First National Bank do not appear on their letterheads or statements, therefor I am supplying the following link to their website: https://www.fnb.co.za/complaints-resolution/talkToUs.html First National Bank International contact number: +27 11 371 3711 Email address: info@fnb.co.za Head Office physical address: Simmonds Street, Johannesburg. The contact details for Lindelwa Ntuli, an FNB Private Banker overseeing my accounts, are as follows: 063 956 3034 or lntuli@FNB.co.za Do you think this will be sufficient?
  27. NadiaBD

    WES report submission for PR

    Hi all. Is it fine if you submit the WES report that was emailed to you for the PR application or do you have to submit the original documents?
  28. StuartW

    PR application taking longer than six months

    I literally sign in at least once a week to check on this thread! Glad some movement is occurring
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