Jamesclooney:
Testimony time

(Ushers please be on standby with the offering basket )

The Lord built (bought) us a house!!!!

Signed, sealed and delivered. The bunch of keys dey our hand now. Very heavy lol.

Jokes apart, just an appreciation post for everyone ‘s contribution on here (as well as Chidera Peters on YouTube). The guidance received from this forum has been invaluable. Visited over 12 developers/site. Didn’t care about the fuel burnt because a house is a big deal and even if I didn’t like some, it helped us know what we liked/didn’t like.

KEY DETAILS
House type - Newbuild
Developer - Persimmons
Lender - Halifax (90% LTV)
Incentives - 5% deposit boost plus flooring package
Mortgage rate - 4.97% ,5yrs fixed (although rates dropped to 4.87% when it was 2 weeks to completion)
LISA bonus - £6k (my wife and I) in the space of 15months, took advantage of the tax windows
Mortgage adviser - Threshold Financial Services (got the recommendation from this thread)


Ps - send funds because everywhere don dry. Surviving on tap water till further notice.

Congratulations.

We've been surviving on fresh air, that tap water is a luxury.😃

Jamesclooney:
Testimony time

(Ushers please be on standby with the offering basket )

The Lord built (bought) us a house!!!!

Signed, sealed and delivered. The bunch of keys dey our hand now. Very heavy lol.

Ps - send funds because everywhere don dry. Surviving on tap water till further notice.

Congratulations 🎊 👏 💐
We go send offering after elections 🤣

mex551:
congratulations. Is that leasehold or freehold?

Thanks. Freehold but with an annual maintenance fee.

Jamesclooney:
Testimony time

(Ushers please be on standby with the offering basket )

The Lord built (bought) us a house!!!!

Signed, sealed and delivered. The bunch of keys dey our hand now. Very heavy lol.

Jokes apart, just an appreciation post for everyone ‘s contribution on here (as well as Chidera Peters on YouTube). The guidance received from this forum has been invaluable. Visited over 12 developers/sites; didn’t care about the fuel burnt because a house is a big deal and even if I didn’t like some houses/location, it helped us narrow it down as we discovered what we liked/didn’t like.

KEY DETAILS
House type - Newbuild
Developer - Persimmons
Lender - Halifax (90% LTV)
Incentives - 5% deposit boost plus flooring package
Mortgage rate - 4.97% ,5yrs fixed (although rates dropped to 4.87% when it was 2 weeks to completion)
LISA bonus - £6k (my wife and I) in the space of 15months, took advantage of the tax windows
Mortgage adviser - Threshold Financial Services (got the recommendation from this thread)


Ps - send funds because everywhere don dry. Surviving on tap water till further notice.

Congratulations and a well Detailed information to help others too .

From me and my family we can send you 5X loads of Kirkland ( Costco ) bottle water .

Tap water issue solved till further notice . 👀😁

Jamesclooney:
Testimony time

(Ushers please be on standby with the offering basket )

The Lord built (bought) us a house!!!!

Signed, sealed and delivered. The bunch of keys dey our hand now. Very heavy lol.

Jokes apart, just an appreciation post for everyone ‘s contribution on here (as well as Chidera Peters on YouTube). The guidance received from this forum has been invaluable. Visited over 12 developers/sites; didn’t care about the fuel burnt because a house is a big deal and even if I didn’t like some houses/location, it helped us narrow it down as we discovered what we liked/didn’t like.

KEY DETAILS
House type - Newbuild
Developer - Persimmons
Lender - Halifax (90% LTV)
Incentives - 5% deposit boost plus flooring package
Mortgage rate - 4.97% ,5yrs fixed (although rates dropped to 4.87% when it was 2 weeks to completion)
LISA bonus - £6k (my wife and I) in the space of 15months, took advantage of the tax windows
Mortgage adviser - Threshold Financial Services (got the recommendation from this thread)


Ps - send funds because everywhere don dry. Surviving on tap water till further notice.

Congratulations 🎉... More celebrations

Jamesclooney:
Testimony time

(Ushers please be on standby with the offering basket )

The Lord built (bought) us a house!!!!

Signed, sealed and delivered. The bunch of keys dey our hand now. Very heavy lol.

Jokes apart, just an appreciation post for everyone ‘s contribution on here (as well as Chidera Peters on YouTube). The guidance received from this forum has been invaluable. Visited over 12 developers/sites; didn’t care about the fuel burnt because a house is a big deal and even if I didn’t like some houses/location, it helped us narrow it down as we discovered what we liked/didn’t like.

KEY DETAILS
House type - Newbuild
Developer - Persimmons
Lender - Halifax (90% LTV)
Incentives - 5% deposit boost plus flooring package
Mortgage rate - 4.97% ,5yrs fixed (although rates dropped to 4.87% when it was 2 weeks to completion)
LISA bonus - £6k (my wife and I) in the space of 15months, took advantage of the tax windows
Mortgage adviser - Threshold Financial Services (got the recommendation from this thread)


Ps - send funds because everywhere don dry. Surviving on tap water till further notice.

. Please how many months bank statement did Halifax demand from you? Some said they demand only one month bank statement

mex551:
. Please how many months bank statement did Halifax demand from you? Some said they demand only one month bank statement

I used Threshold Mortgages and they requested last 3 months bank statements

Lexusgs430:


If you got documents to proof source of funds........ Carry go .......

Source of fund is a loan at work place outside the UK.
I need advise on step by step.
Fund can be in bank under 7 days but I need the right info

awumen:

Source of fund is a loan at work place outside the UK.
I need advise on step by step.
Fund can be in bank under 7 days but I need the right info

First, you'll need to be more specific about what guidance you're seeking.


Second, your workplace outside the UK is loaning you 100 to 200k Pounds to buy a house in your name? Is the loan secured? If so, against what? What's the repayment plan?

Either way, it'll raise so many red flags when the conveyancers are doing anti money-laundering checks, it'll look like an Albanian football stadium.

You'll need an extremely solid and evidence-backed explanation, and the best place to start is to find solicitors to advise you.

Teenuh:


Thank you @Jedisco. When I see houses with low EPC, I always think it will take a lot of money to get them to like B or A

It depends but many times, it does add up to a good sum esp if it needs added or a new insulation. Also you need to factor in higher heating costs.
Stumbled across someone recently who was selling his beautiful 4 bed detached older house to get a 3 bed new build partly cos they wanted to downsize but more so for the heating costs. Some older houses are hardwork to heat.

MayCar:
Hello, please I need an advice, on the process of getting a property and having issues with the solicitors, as they are raising issues about the monthly contributions that came into the account, they are not ok with explanation, if anyone has been in this kind of situation please advise on what you did. Thanks in advance

More details are needed. Did they state what their concerns are or why they are not ok with it? That way, you know what to address.

Also are all other folks contributing also in the UK?

Jamesclooney:
Testimony time

(Ushers please be on standby with the offering basket )

The Lord built (bought) us a house!!!!

Congrats... more blessings.

BTW, in what currency did the Lord buy the house?

jedisco:


Congrats... more blessings.

BTW, in what currency did the Lord buy the house?

Thanks, Senior man.
The Lord bought it for us with divine grace and heavenly favour/open doors

I’m a simple man, sometimes I think back to my story, I just weak. I remember colleagues pitying me when I took the leap of faith to relocate a few years ago. “Why leave a well paying Naija salary?” “Why not Canada instead of Uk?” “So what will you do for money?” Etc.

God has answered all those questions for us🙏🏾

jedisco:


More details are needed. Did they state what their concerns are or why they are not ok with it? That way, you know what to address.

Also are all other folks contributing also in the UK?

They said it doesn’t satisfy their AML policies and yes they are all based in the Uk

MayCar:



They said it doesn’t satisfy their AML policies and yes they are all based in the Uk

Hmm.. might be worth asking them what it'd take to satisfy AML. A letter from each of them stating the reason?

I wonder if a different solicitor might see things differently. Perhaps others could throw share views.
Reason why I've not been a fan of 'adashe' in the UK. There are good saving options where you could even earn interest.

Jamesclooney:


Thanks, Senior man.
The Lord bought it for us with divine grace and heavenly favour/open doors

I’m a simple man, sometimes I think back to my story, I just weak. I remember colleagues pitying me when I took the leap of faith to relocate a few years ago. “Why leave a well paying Naija salary?” “Why not Canada instead of Uk?” “So what will you do for money?” Etc.

God has answered all those questions for us🙏🏾

The UK has proven itself a land of opportunity for many (myself included). Just that they still think they're still in the empire days and hence drive certain narratives. Also there are quite a number of bottlenecks that stiffle growth opportunities for immigrants. But overall, not many complaints. I don take am as my country.

Congrats once more

Congratulations!

Jamesclooney:
Testimony time

(Ushers please be on standby with the offering basket )

The Lord built (bought) us a house!!!!

Signed, sealed and delivered. The bunch of keys dey our hand now. Very heavy lol.

Jokes apart, just an appreciation post for everyone ‘s contribution on here (as well as Chidera Peters on YouTube). The guidance received from this forum has been invaluable. Visited over 12 developers/sites; didn’t care about the fuel burnt because a house is a big deal and even if I didn’t like some houses/location, it helped us narrow it down as we discovered what we liked/didn’t like.

KEY DETAILS
House type - Newbuild
Developer - Persimmons
Lender - Halifax (90% LTV)
Incentives - 5% deposit boost plus flooring package
Mortgage rate - 4.97% ,5yrs fixed (although rates dropped to 4.87% when it was 2 weeks to completion)
LISA bonus - £6k (my wife and I) in the space of 15months, took advantage of the tax windows
Mortgage adviser - Threshold Financial Services (got the recommendation from this thread)


Ps - send funds because everywhere don dry. Surviving on tap water till further notice.

Hello everyone!. Please.. I want to ask. Are there disadvantages of buying buy to let apartment as a second house in this country?..

jedisco:


Hmm.. might be worth asking them what it'd take to satisfy AML. A letter from each of them stating the reason?

I wonder if a different solicitor might see things differently. Perhaps others could throw share views.
Reason why I've not been a fan of 'adashe' in the UK. There are good saving options where you could even earn interest.

Thank you, they did give me the option of treating each person as a giftor but the requirements is too much. Just wondering if u could just change solicitors at this point

Senior men, I need some guidance.
Will low credit score impact my chances of getting a mortgage? I’ve been here for 15months, waiting to reach 2 years before I commence my search.
My credit score has dropped points for a reason I don’t fully understand but I do not have any record of default on any of my direct debits and I’m not on any loan at the moment.
My savings are in Moneybox’s LISA/ISA/instant cash savings.

Good morning,
Can I still open LISA account and get the bonus?

Resurgent2016:


Notify the seller of the issue and ask for a reduction in selling price to allow you remediate it

Thank you for your response. I notified the seller and he confirmed that it was done three years ago and since then, he has not experienced leakages. We got someone to check it and he said it is okay that it does not mean the tiles will break in the next 5yrs.

We have decided to proceed with the exchanging of contract. We have our keys now.

Glory be to God.

Congratulations

labiola:


Thank you for your response. I notified the seller and he confirmed that it was done three years ago and since then, he has not experienced leakages. We got someone to check it and he said it is okay that it does not mean the tiles will break in the next 5yrs.

We have decided to proceed with the exchanging of contract. We have our keys now.

Glory be to God.

You'll get a bonus based on the anount you fund the LISA with as long as it's funded between the cutoff date in April. (Please confirm the date)

mayowa94:
Good morning,
Can I still open LISA account and get the bonus?

You should be able to see the factors affecting your credit score. How are you checking your credit score?

EJIOGBENIMI:
Senior men, I need some guidance.
Will low credit score impact my chances of getting a mortgage? I’ve been here for 15months, waiting to reach 2 years before I commence my search.
My credit score has dropped points for a reason I don’t fully understand but I do not have any record of default on any of my direct debits and I’m not on any loan at the moment.
My savings are in Moneybox’s LISA/ISA/instant cash savings.

Congratulations!

Jamesclooney:
Testimony time

(Ushers please be on standby with the offering basket )

The Lord built (bought) us a house!!!!

Signed, sealed and delivered. The bunch of keys dey our hand now. Very heavy lol.

Jokes apart, just an appreciation post for everyone ‘s contribution on here (as well as Chidera Peters on YouTube). The guidance received from this forum has been invaluable. Visited over 12 developers/sites; didn’t care about the fuel burnt because a house is a big deal and even if I didn’t like some houses/location, it helped us narrow it down as we discovered what we liked/didn’t like.

KEY DETAILS
House type - Newbuild
Developer - Persimmons
Lender - Halifax (90% LTV)
Incentives - 5% deposit boost plus flooring package
Mortgage rate - 4.97% ,5yrs fixed (although rates dropped to 4.87% when it was 2 weeks to completion)
LISA bonus - £6k (my wife and I) in the space of 15months, took advantage of the tax windows
Mortgage adviser - Threshold Financial Services (got the recommendation from this thread)


Ps - send funds because everywhere don dry. Surviving on tap water till further notice.

Congratulations 🎊

labiola:


Thank you for your response. I notified the seller and he confirmed that it was done three years ago and since then, he has not experienced leakages. We got someone to check it and he said it is okay that it does not mean the tiles will break in the next 5yrs.

We have decided to proceed with the exchanging of contract. We have our keys now.

Glory be to God.

Congratulations to @Jamesclooney and @labiola

This thread is so heartwarming, starting quite slowly and picking up.

Semmyykk, where you at?

Self renovation begins. The house needs dragging into the 21st century.

It was last renovated in 1974! Every single room is carpeted including bathrooms and toilets 🤢🤢

We thoroughly vacuumed the house and I started with the upstairs toilet. Husbot stayed away as he's asthmatic. The underlay all crumbled to dust once moved.

First finish and varnish and walahi I am knackered

I've left the carpet tacks around the toilet bowl in place so the wood will break away. So used an angle grinder to flatten the nails, sanded and varnished for now.

Had a stair lift in place. Tue battery was dead so we had to use a drill to drive it down the stairs. Unscrew the rails off and remove it. The thing heavy pass shit!

Stair lift. We also found an older stair lift mechanism behind the wall and under the stairs. Leaving that for the builders before I damage my walls