Progressivegee:


Register on experian or totally money, you can check your credit score for free without the 3 years uk address restriction. That's what I use. Got 2 credit card offers on experian. Capital one and Vanquis

ehizario2012:


535/710, borrowing power<2/10 - totally money

Experian - no records

Seems I have to start building my credit score now... That's the advice I should be asking for, my credit profile now is faint...

ehizario2012:


535/710, borrowing power<2/10 - totally money

Experian - no records

Seems I have to start building my credit score now... That's the advice I should be asking for, my credit profile now is faint...

tushqueen:
Hi,

When is it cheaper to get insurance quote, long before current one expires or close to when it expires?

dubaiprince:


Your point on the repayment being only £25 above your current rent is very valid and gives you comfort over the next 2 years during which I believe you income will have improved and like you said, property prices will keep going up and the market and economy is uncertain at the moment. One of our legends here will say 'rent money is dead money'. The rent I have paid in 3 years in this country so far is £50k+ (money i will never get back) and I have decided something must happen next year. So if your question was if the rate is high, I think it is. If it is a question of will the decision make sense in the long run, I think It most likely will considering you can afford the repayment.

dubaiprince:


Your point on the repayment being only £25 above your current rent is very valid and gives you comfort over the next 2 years during which I believe you income will have improved and like you said, property prices will keep going up and the market and economy is uncertain at the moment. One of our legends here will say 'rent money is dead money'. The rent I have paid in 3 years in this country so far is £50k+ (money i will never get back) and I have decided something must happen next year. So if your question was if the rate is high, I think it is. If it is a question of will the decision make sense in the long run, I think It most likely will considering you can afford the repayment.

koonbey:


If they are the only lender offering this then the question is whether you can put up with it for the 2 years and then move to another one. You'll be able to access way more lenders then.

Bear in mind that house prices will likely keep rising (albeit at a slower pace in this economic climate) so waiting till later to buy might end up being a false economy. Also, you'll be building equity instead of paying rent.

BTW, which lender is this?

solveabode:
Thanks.
I can move to another lender after the fixed 2 years. The name is Foundation home loans.

Lexusgs430:
Another one of us or is it one of them ........🤣

Came on a student visa in Jan 2023 ...... Raped within a few months (I bet he would have raped over 20 innocent ladies in Nigeria)........


https://southyorks.police.uk/find-out/news-and-appeals/2023/november-2023/man-jailed-after-raping-a-woman/

lavida001:
Quick question. “Esusu” and “ajo” gangs how do you guys go around sending the accumulated gatherings to each other in a way to prevent red flags from banks.

Estroller:


Halifax will lend with < 2 years residency but for 75% LTV, so if upping your deposit is an option you can explore.

Zahra29:


true...and the victims there would be too scared to speak out because of the stigma and victim shaming.

Another rape case by another student, this one actually gloated about his actions:

https://www.google.com/amp/s/www.walesonline.co.uk/news/wales-news/rape-woman-toilets-fiction-club-28038119.amp

I hope these individuals realise that they will be automatically deported as soon as they are released from prison.

Zahra29:


true...and the victims there would be too scared to speak out because of the stigma and victim shaming.

Another rape case by another student, this one actually gloated about his actions:

https://www.google.com/amp/s/www.walesonline.co.uk/news/wales-news/rape-woman-toilets-fiction-club-28038119.amp

I hope these individuals realise that they will be automatically deported as soon as they are released from prison.

justwise:


Its important to take note of this section of the case and during the evening the defendant and a woman had been kissing. The woman, who was described as "heavily intoxicated", later went to the toilet and the defendant followed her. In the toilets Oriaku raped the woman in one of the cubicles.

The fact that they were kissing before she went to the toilet gave him the impression that the sex was consensual.

[b]Sex with a girl while drunk is not considered a consensual act [/b]and this is something many new immigrants failed to take note of here.

Lexusgs430:



Imagine that £50,000, went towards mortgage payments......(plus £15,000 equity gained) .........🤣😂😜

Don't mind me o .......🔥😁

Zahra29:


Well said. Rape is rape, there are no tiers to rape based on if the woman was drunk, "flirting", wearing a short skirt, or even if she had been kissing the man or had had relations with him previously.

If she said no at the time, or didn't/couldn't give consent, then it's rape. Regardless of her age.

And the reality is the law tends to come down more heavily on the side of a white woman against a black man/immigrant, so extra caution is key.

Lexusgs430:



Imagine that £50,000, went towards mortgage payments......(plus £15,000 equity gained) .........🤣😂😜

Don't mind me o .......🔥😁

justwise:
[/b]

That is sad but you are absolutely right

lavida001:


What’s the name you call rent again?

Guys let’s come together and talk about this rent thing. I have paid over 10k on rent for a single room and each time I think about it it gets me very mad.

How do we break free cos I can’t continue paying this money monthly.

Zahra29:


Well said. Rape is rape, there are no tiers to rape based on if the woman was drunk, "flirting", wearing a short skirt, or even if she had been kissing the man or had had relations with him previously.

If she said no at the time, or didn't/couldn't give consent, then it's rape. Regardless of her age.

And the reality is the law tends to come down more heavily on the side of a white woman against a black man/immigrant, so extra caution is key.

lavida001:


In summary don’t sleep with a woman who has been drinking. Even if you want to make sure you record it when she gave the consent either through Voice note or video.

lavida001:


What’s the name you call rent again?

Guys let’s come together and talk about this rent thing[b]. I have paid over 10k on rent for a single room and each time I think about it it gets me very mad.

How do we break free cos I can’t continue paying this money monthly.

ehizario2012:


535/710, borrowing power<2/10 - totally money

Experian - no records

Seems I have to start building my credit score now... That's the advice I should be asking for, my credit profile now is faint...

Zahra29:


Lol why are you mad? Isn't your rent providing you a place to live and a base from which to work/study? Isn't paying rent a normal occurrence in nigeria, and very high rents at that in cities like Lagos and Abuja?

While it should remain a firm aspiration to own one's home in the UK, renting until you get there is perfectly normal and part of the process/journey for millions. It takes time to build up a deposit, excellent credit rating and other factors, so don't feel pressured into buying a house (the biggest purchase most people will ever make) in a short time after moving to the UK.

It's similar to how people jumped onto the bandwagon of trying to acquire one or several credit cards within a couple of months of arriving the UK, some without the basic understanding of how credit works and many damaging their credit file in the process.

Some things take time and in the meantime work hard, save hard and acquire the relevant knowledge.

lavida001:


Are you saying they won’t question individual transfers?

lavida001:

Everything just hard for this Uk.

Work hard, pray hard, study hard.

God abeg

justwise:


Its important to take note of this section of the case and during the evening the defendant and a woman had been kissing. The woman, who was described as "heavily intoxicated", later went to the toilet and the defendant followed her. In the toilets Oriaku raped the woman in one of the cubicles.

The fact that they were kissing before she went to the toilet gave him the impression that the sex was consensual.

Sex with a girl while drunk is not considered a consensual act and this is something many new immigrants failed to take note of here.

hustla:

Lexusgs430:



Imagine that £50,000, went towards mortgage payments......(plus £15,000 equity gained) .........🤣😂😜

Don't mind me o .......🔥😁

lavida001:


I still dey wait for your number agba chat gpt

Zahra29:


Lol why are you mad? Isn't your rent providing you a place to live and a base from which to work/study? Isn't paying rent a normal occurrence in nigeria, and very high rents at that in cities like Lagos and Abuja?

While it should remain a firm aspiration to own one's home in the UK, renting until you get there is perfectly normal and part of the process/journey for millions. It takes time to build up a deposit, excellent credit rating and other factors, so don't feel pressured into buying a house (the biggest purchase most people will ever make) in a short time after moving to the UK.

It's similar to how people jumped onto the bandwagon of trying to acquire one or several credit cards within a couple of months of arriving the UK, some without the basic understanding of how credit works and many damaging their credit file in the process.

Some things take time and in the meantime work hard, save hard and acquire the relevant knowledge.

Viruses:


By now, e for fit remortgage, collect the 75k use as deposit or even complete purchase of another BMV house. Upgrade the BMV house use as short let apartment dey collect £40 - £50/night.

Na just say person no fit stay under bridge as e enter this country so no too think am before imagination kee person 😀