Loan to travel down under

bouncydog1

DonaldDuck3 wrote: »

P.S Don't both replying if your going to say Don't go or be ironic as its just a waste of your own time, as i plan on going in a few months and i plan on getting a loan..need some help on getting a low interest rate, unsecured loan over probably 4 years for around 7,500

Ta

Well if you're planning on going in a few months and planning on getting a loan, then you had better find yourself a second job, make sure that you pay your debts on time, get out of your overdraft and start saving up. However the only bank where you have a chance of getting a loan is the bank of mum and dad - there is something called responsible lending and unfortunately you do not appear to fit the criteria.

You can't always have what you want, when you want it - perhaps you should have started seriously saving instead of thinking about going!

antrobus

KiKi wrote: »

As someone who knows the Australian visa system very very well indeed, that is absolute crap.

You must be going over on a WH visa (no other option for you), and as such, you mustn't go over in order to work - so be careful about talking about a guaranteed job.

The WH visa requires you to have enough funds for your time there, and suggests that AU$5000 would be considered appropriate if you don't plan on getting employment, and if you need to pay for your flight back. Evidence *may* be requested - but I can tell you that they do NOT require proof of it in your bank account.

As you say you need £900 for tickets, that must be a return ticket. And AU$5000 is closer to £3000 for the year. You are highly unlikely to be asked for proof, just to say how you plan to fund the trip (if they ask at all).

Your story has too many inconsistencies. At best, you have no idea what the visa requires.

KiKi

I'm not so sure that it's quite absolute crap.

I believe that the OP is talking about a Working Holiday Visa (Subclass 417) which, inter alia, allows the holder to "work in Australia for up to six months with each employer". Which is kind of understandable really as it is a Working Holiday Visa. It does say that this it is intended for people who want to supplement the cost of their holiday through short-term employment, and warns that "if your primary reason for travelling to Australia is to participate in the work force, you should consider a visa designed for that purpose".

http://www.immi.gov.au/visitors/working-holiday/417/

It also says that "You may be asked to provide evidence. Evidence may include a certified copy of a bank statement and an air ticket out of Australia."

http://www.immi.gov.au/visitors/working-holiday/417/eligibility-first.htm

On the face of it, so long as the work is of a temporary or casual nature, there's nothing to say that you can't have arranged the work before travelling to Australia. In fact I was going to suggest to the OP that perhaps, since what the Aussies seem most concerned about is the ability to support yourself on your holiday, that the existence of a pre-arranged temporary job might mean that they wouldn't insist on them being in possession of AUD 5,000.

antrobus

DonaldDuck3 wrote: »

you need to have 4,000 in your bank to go out there..to show you can support yourself..You must be able to show proof of this...

See the discussion above

DonaldDuck3 wrote: »

With regards to finding a job..this is because the job work will guarantee me upon my return wouldn't be a job i would want long-term and wouldn't pay well! so i would like to have that security! the 16 months covered is if i got a loan, that covers the first 12 months i am away and the 4 months upon my return. Admittedly it doesn't look the clearest, are you following?

Yes, but that's the wrong way of looking at things.

Having even a rubbish job is more secure than having to repay a loan with no job. You'd be better off returning to the UK and taking up that offer of job that you don't want, because it's much easier to get a job when you've already got one.

RichGold

Its looking less like a year in Oz, and more like a weekend in Hunstanton.

KingElvis

RichGold wrote: »

Its looking less like a year in Oz, and more like a weekend in Hunstanton.

Or at a push, Bridlington :rotfl:

DCFC79

Lol cant believe the thread, nice try OP but a loan is unlikely.

RuthnJasper

It seems clear to me that the OP needs to inject a bit of realism into his life. He's already struggling with money and now proposes to borrow funds he cannot afford to repay so that he can travel with his friend and annoy Australians.

I sympathise with his parents, they sound very wise. My brother and sister-in-law lived in New Zealand for two years; they scrimped and saved for a year in order to go, worked hard (they are both in the nursing profession and were able to get working visas) as well as having fun whilst there and had no debts to return home to.

As a general rule, though, if one is forced to take out a loan for travelling purposes... "I want to go to Oz..." (fun 'n' frolics) then definitely no; "I need to go to Oz..." (family member badly ill or dying, etc.) then possibly yes, if no other options are available.

ExNicotineQueen

DonaldDuck3 wrote: »

i have been looking at travelling to Australia for sometime now but haven't had the money saved up, my friend is going out there in about 2 months and i want to go with him.

DonaldDuck3 - are you going out there on a whim just because your friend is going? i.e basically your friend had been planning this for years (alone) and saved up towards it, you only found out about it recently, it tied in with you wanting to go there and decided to kill 2 birds with one stone?

If that's not the case, I don't understand why you couldn't have saved towards it like your friend did? Especially if it really is as important as you are making it out to be.

KiKi

antrobus wrote: »

I believe that the OP is talking about a Working Holiday Visa (Subclass 417) which, inter alia, allows the holder to "work in Australia for up to six months with each employer". Which is kind of understandable really as it is a Working Holiday Visa. It does say that this it is intended for people who want to supplement the cost of their holiday through short-term employment, and warns that "if your primary reason for travelling to Australia is to participate in the work force, you should consider a visa designed for that purpose".

I'm fully aware of the visa conditions and how it works. Which is why if he is going over for a guaranteed job, you have to be careful how you talk about it (I'm saying this from experience) - it was a friendly warning to him not to say he's going over there to work, I didn't say anything to the contrary to what you've just posted.

He MUST be talking about WH visa (my post already said that), as there would be no other options for him.

It also says that "You may be asked to provide evidence. Evidence may include a certified copy of a bank statement and an air ticket out of Australia."

http://www.immi.gov.au/visitors/working-holiday/417/eligibility-first.htm

Again, I'm fully aware of it. I know the system very very well - and in practice, it's almost never asked for unless the applicant has other circumstances which are a cause for concern, such as a refusal to enter Australia in the last ten years, or any convictions, or having stayed in another country for a period of time. The evidence often does not need to be a bank statement. The evidence could be a statement from a relative saying they will provide cash. They may ask for a bank statement if there were very serious concerns, but it is not a requirement to apply for a WH visa.

So when the OP said you have to have proof in your bank account of £4000 I can say categorically that is not true. DIAC may request evidence in a very few cases, but it is not something that is required as part of the application.

On the face of it, so long as the work is of a temporary or casual nature, there's nothing to say that you can't have arranged the work before travelling to Australia.

I didn't say that. I said you have to be very careful about talking about a guaranteed job . DIAC have a very narrow perspective of what is casual and arranged beforehand - and what constitutes entering the country to work.

I didn't post what I did lightly - I posted it based on experience and a very good knowledge of the system, particularly the WH visa and DIAC's take on it when entering the country.

KiKi

malcolmffc

DonaldDuck3 wrote: »

pretty sure i did mention ironic remarks though...strange!

I'm not sure you know what the word 'ironic' means. Try 'sardonic'.