Raalsalghul:


2 days?

So fast.

Yep. That was last year tho ( April to May period). Don’t know the current processing time.

humblemoi:


Isn't the oil filled heater not a better option long term, especially the ones with thermostat?

I jumped on that bandwagon....... You jump on this ...... We exchange notes later........

This cold + increased cost of living dey hit us all ........

Please I need advice on the spec of this accommodation: the house has
gas central heating and
an EPC rating of D and
council tax band A .
Please note that am a student o. Am I suppose to pay council tax
Help me ooo. its urgent before I get committed. Will cold no kill me and family inside

ojtopsy:
Please I need advice on the spec of this accommodation: the house has
gas central heating and
an EPC rating of D and
council tax band A .
Please note that am a student o. Am I suppose to pay council tax
Help me ooo. its urgent before I get committed. Will cold no kill me and family inside

EPC rating being D is not great. I think C would be better. But considering the house craze at the moment I don’t know if you will have much of C options.

As a student I think you can work around making the apartment work for you. As I believe you can control your energy usage. But if you have kid(s), then this MAY not be a good idea as kids energy requirements is another thing entirely.

If you are single, you can go for it and work around managing your usage (I am saying this because it’s difficult getting houses these days).

You won’t be paying council tax at the moment, so that may not count much. But when you do start to pay, A is a great one and should be very less for the environment.

Elders in the house, e good morning o.

So, I noticed most homes for rent are owned by Asian or Brit women (or at least, their husbands say the wives are the landlords but they’re just showing the property). While I’m not saying women can’t own homes, I’d like to know if there are added advantages to being a female homeowner.

Or could it be that the primary residence is owned by the men - in that case, are there hidden advantages to the arrangement?

donshegzy:
Elders in the house, e good morning o.

So, I noticed most homes for rent are owned by Asian or Brit women (or at least, their husbands say the wives are the landlords but they’re just showing the property). While I’m not saying women can’t own homes, I’d like to know if there are added advantages to being a female homeowner.

Or could it be that the primary residence is owned by the men - in that case, are there hidden advantages to the arrangement?

No advantage apart from the women being very handson with finances, people skills, etc and their instincts can be trusted despite not been necessarily named on the mortgage/deed.

My wife handles everything. She can deal with professional trouble makers or issues way better than myself. She's very conversant with the law, tenant/landlord rights, etc.

I just leave everything to her and do her bidding when it comes to anything property related My own is just to give second opinion, transfer money and append signature

ojtopsy:
Please I need advice on the spec of this accommodation: the house has
gas central heating and
an EPC rating of D and
council tax band A .
Please note that am a student o. Am I suppose to pay council tax
Help me ooo. its urgent before I get committed. Will cold no kill me and family inside

As an investor that's just about to buy another house with D rating, I'll say go for it if you like the house and it fits within your budget. A house could have D rating due to a number of factors including the non-usage of non-energy saving bulbs, etc.

Personally, it's not a deal breaker. Even houses with C rating are cold and might require as much heating as those with EPC rating below.

That said, the bigger the house and the more people living in it, the higher the energy consumption overall irrespective of the EPC rating.

Pearlyfaze:
Good afternoon Dear Ancestors.
I want to thank everyone that contributed to my kwesion some months ago.
Wife finally took the PILLON, got paid off and got another job and COS within two weeks. New Visa was approved yesterday waiting for the new BRP.
Please I have two new kwesions.
1. Do we need to apply to change our own visa too?.
2. Where I fit buy cheap reliable Youkay used car now that I have passed my tests.
3. What are the disadvantages of driving 2004-2010 cars.

Thank you for always coming through for us.

@Pearlyfaze Me too I have a kwesion abeg , how did you get around booking practical test? been trying to get a date all week..No show

Pearlyfaze:
Good afternoon Dear Ancestors.
I want to thank everyone that contributed to my kwesion some months ago.
Wife finally took the PILLON, got paid off and got another job and COS within two weeks. New Visa was approved yesterday waiting for the new BRP.
Please I have two new kwesions.
1. Do we need to apply to change our own visa too?.
2. Where I fit buy cheap reliable Youkay used car now that I have passed my tests.
3. What are the disadvantages of driving 2004-2010 cars.

Thank you for always coming through for us.

I dodge the visa kwesions..........

- eBay, Autotrader, gumtree etc etc ....... A checklist of things you need to conduct, is somewhere on this thread....... Dig it out ........

- If you get a decent 2003 vehicle, it would serve you better than an abused 2011 variant...........

Hello my good people, trust we're all doing great. I am looking at getting a new job, I've been on my present job for less than two months. I keep getting the same questions from potential employers, "why do you want to leave your present appointment less than two months into the job". Truth is that I took the job just to settle down, its below my salary expectations and quite far from where I stay, so the main reason is the pay and the distance.
How do I answer this question without looking like someone who doesn't know what he wants, and not give them the impression that I'll be off again in a few months. (One actually asked me how is he sure I won't be moving again soon).

Santa2:


@Pearlyfaze Me too I have a kwesion abeg , how did you get around booking practical test? been trying to get a date all week..No show

I think it all depends on where you are. I live in Newcastle Gateshead (aka Ishigate).

Lexusgs430:



I dodge the visa kwesions..........

- eBay, Autotrader, gumtree etc etc ....... A checklist of things you need to conduct, is somewhere on this thread....... Dig it out ........

- If you get a decent 2003 vehicle, it would serve you better than an abused 2011 variant...........

Thank you boss.

I dey see 2016 with 130k millage and 2003-2009s with 70k or less millage and I am thinking them don do the millage Mgboka way.

Anyone please?

kwakudtraveller:
Has anyone here been successful in buying a house with their student visa or dependent visa? With the amount I'm paying for rent, I think it's better to just buy a two bedroom apartment but I don't know how to go about it. If you have, the please help a brother out with some information.

Hello All,

For those who have gone the route of purchasing their first property after moving to the UK, please I have some questions:

- Did you have to wait for atleast 2 years before purchasing?
- How did you go about finding a mortgage broker that was not asking for 25% deposit (this seems to be the norm for those of us without up to 2years residency in the UK)
- Now that Help to buy is over - what other options are available for first time buyers aside LISA that has a cap of £450k on property value?

Recommendations for brokers who have experience with immigrants witout ILR will be appreciated. We really need a guide o for newbies here please

Anypoint learning with a manual car if I'm going to own automatic?

After all I'll rarely drive another person's car (manual or automatic) because I will most likely not be insured to drive it.

kwakudtraveller:
Anyone please?

Just ask your questions, you will get answers or links to answers.

Don't ask "how can I buy a house in UK". Read that up online then ask more specific questions for clarity.

If your driving test is based on Automatic, then you need to do another test on manual. If your test is based on manual, then you are cleared to drive automatic

Viruses:
Anypoint learning with a manual car if I'm going to own automatic?

After all I'll rarely drive another person's car (manual or automatic) because I will most likely not be insured to drive it.

Good evening,

I will be studying at Teesside University this January. I have tried to secure accommodation in the university environment but to no avail.

I will need suggestions of areas I can spread my search to with good jobs prospect cause I hear say jobs no too dey middlesbrough.

I don't mind 1hr to 1hr30mins to school as my lectures is just 3times weekly.

Thanks

hustla:


For me Sha, I despite North Yorkshire / Middlesbrough

Jobs are not easy to get but rent is relatively cheap. Your story may be different though as I am talking from the perspective of a student

This is a good insight.

Please I am looking for accommodation in Northampton. I will be happy if anybody can assist me. Thanks in advance.

Viruses:
Anypoint learning with a manual car if I'm going to own automatic?

After all I'll rarely drive another person's car (manual or automatic) because I will most likely not be insured to drive it.

Nope ...... Stick to automatic...... It's easier to pass .....

Pearlyfaze:


Thank you boss.

I dey see 2016 with 130k millage and 2003-2009s with 70k or less millage and I am thinking them don do the millage Mgboka way.

Vehicles also gets clocked in the uk, but if you conduct an MOT history check........ E go open yansh like chicken..........

Joshua62:
Good evening,

I will be studying at Teesside University this January. I have tried to secure accommodation in the university environment but to no avail.

I will need suggestions of areas I can spread my search to with good jobs prospect cause I hear say jobs no too dey middlesbrough.

I don't mind 1hr to 1hr30mins to school as my lectures is just 3times weekly.

Thanks

Darlington,Newcastle

donshegzy:
Elders in the house, e good morning o.

So, I noticed most homes for rent are owned by Asian or Brit women (or at least, their husbands say the wives are the landlords but they’re just showing the property). While I’m not saying women can’t own homes, I’d like to know if there are added advantages to being a female homeowner.

Or could it be that the primary residence is owned by the men - in that case, are there hidden advantages to the arrangement?

Tax efficiency usually - usually where the man already falls into the higher tax bracket. It is to mitigate the effects of S24. It will mean the woman in that partnership earns way less than 50k or works part time hours or does not work. So the ownership is split in favour of the woman and the whole or majority of the rental income ascribed to her earnings.

Plus she most likely has more time to do viewings or she's more personable, astute and shrewd.

Joshua62:
Good evening,

I will be studying at Teesside University this January. I have tried to secure accommodation in the university environment but to no avail.

I will need suggestions of areas I can spread my search to with good jobs prospect cause I hear say jobs no too dey middlesbrough.

I don't mind 1hr to 1hr30mins to school as my lectures is just 3times weekly.

Thanks

You heard well, run

Newcastle
Sunderland
Leeds
Bradford (like 2 hrs)

Is there anyone with accommodation around Southend Essex? I need a room I can pay for in February.

Goldie10:
Hello All,

For those who have gone the route of purchasing their first property after moving to the UK, please I have some questions:

- Did you have to wait for atleast 2 years before purchasing?
- How did you go about finding a mortgage broker that was not asking for 25% deposit (this seems to be the norm for those of us without up to 2years residency in the UK)
- Now that Help to buy is over - what other options are available for first time buyers aside LISA that has a cap of £450k on property value?

Recommendations for brokers who have experience with immigrants witout ILR will be appreciated. We really need a guide o for newbies here please

Time for UK Mortgage thread

Solumtoya:


Time for UK Mortgage thread

Agree

hustla:






Agree

The mortgage lessons wey dey this thread already nko ......... Let's also open more threads on how to ...........
Fill the gap.........

How to get ____knacks____?

Lexusgs430:



The mortgage lessons wey dey this thread already nko ......... Let's also open more threads on how to ...........
Fill the gap.........

Viruses:
Anypoint learning with a manual car if I'm going to own automatic?

After all I'll rarely drive another person's car (manual or automatic) because I will most likely not be insured to drive it.

Me I intend to just go automatic, dont see myself buying a manual car, plus I understand that automatic are relatively easier to pass.