Autos / Re: Rest In Peace Gazuzz by Tolzeal(m): 3:11am On Aug 29 |
RIP man , Felt really sad seeing these. |
Travel / Re: Living In The UK: Property,Mortgage And Related by Tolzeal(m): 8:49am On Jun 29 |
Jamesclooney: Testimony time ![grin](https://www.nairaland.com/faces/grin.png)
(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 . 👀😁 2 Likes |
Travel / Re: Living In The UK: Property,Mortgage And Related by Tolzeal(m): 9:11pm On Jun 25 |
Jamesclooney:
Baba you no suppose worry yourself. I’ve never heard a good argument of renting over buying especially in the West. It’s usually a case of people not being able to afford a mortgage making a case for themselves. Otherwise how can you tell me throwing away thousands of pounds as rent a year is smart money move. In a year, I’ve paid over £12,000. Fiam, money gone forever! If you can, buying a house is the number one cost-saving measure one can take! The 12k payment is for a service. i mean you stayed in the house and had a shelter . Not advocating people not to buy saying you paid 12k no nothing sounds unreal. 3 Likes |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Tolzeal(m): 7:54am On Jun 12 |
missjekyll:
Awwwww, you noticed. Yes , I did change. It's been 4 years and I ve now fully grown into my skin. Personal growth is awesome and I recommend it to everyone.
If your Buy to let bought with hardearned money is used to push the price of houses ,push up rent, worsen urban drift because young people cannot buy houses. Literally delay people's lives because they cannot get married,have kids because no space? Then I will support a heavy tax on it as a deterrent. Some things should not be run like businesses. Housing is one of them,health is another.
It doesn't even grow the economy because nobody is doing business just buying up houses and tying up money for decades. It's the small small taxes from millions of tiny transactions that keep the economy ticking over.
There is also a need to understand most of the house bought are run down houses which often people don't want to live in. These investors put in there money, clean the house up, add value and refinance in most cases. Heck, some of these run down houses are stamp duty except. So would you still want the government increase rate on such business model? 1 Like |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Tolzeal(m): 1:50pm On May 24 |
Datakey:
Yes, it is Monzo flex. Won’t it affect my credit score?
I’m looking for a card that will probably give me up to 4k
Any recommendations? I got 5KGBP with AQUA. You can have a look. But be careful not to use over 25% per card and the APR is about 30% . 1 Like |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Tolzeal(m): 1:42pm On May 24 |
Datakey:
Yes, it is Monzo flex. Won’t it affect my credit score?
I’m looking for a card that will probably give me up to 4k
Any recommendations? How many credit cards/accounts have you opened in the last six month ? In none you can go for it . If yes, I’d suggest to give it space before opening more accounts in your profile . |
Travel / Re: Living In The UK: Property,Mortgage And Related by Tolzeal(m): 10:40pm On May 08 |
Goodenoch:
Not excessive. Some properties have twice that. Developers usually grade the fees upward depending on the price of the house so the larger and more expensive houses in an estate will pay more. 195 is lower than most I’ve seen, personally. It has usually been between 200 and close to 400.
Yes it rises annually in perpetuity, and it can be increased by the management company (the devs usually contract a separate company). Usually your agreement will state that the estate residents can take over management or hand it over to another company after some time but from reports, that’s usually difficult and most states don’t bother because of the hassle. . Is that ground rent or really annual service charge? |
Travel / Re: Living In The UK: Property,Mortgage And Related by Tolzeal(m): 9:43am On Apr 06 |
elengine:
Hmm 25%. Make I kukuma wait oh. Two years don reach soon ![grin](https://www.nairaland.com/faces/grin.png) ! |
Foreign Affairs / Re: UN Staff Members Inspect The Remains Of Aid's Car Hit By Israel In Gaza by Tolzeal(m): 8:43pm On Apr 04 |
Righteousness2:
GOD Bless the State of ISRAEL Forever. VICTORY! VICTORY! VICTORY ! All the way.[/b] Brother. If you could be open minded once and not put sentiment on your posts since this war started. 11 Likes 1 Share |
Health / Re: Why That Stomach Ulcer Refuses To Heal Most effective ulcer cure in Nigeria by Tolzeal(m): 9:03pm On Mar 20 |
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Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Tolzeal(m): 1:34am On Mar 01 |
House , If you’re also affected by the Binance removing USDT/Naira trade . I moved to Bybit now and it’s working well. Makes a great alternative. If you’d like to use my ref link : https://www.bybit.com/invite?ref=DQMNGKZ |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Tolzeal(m): 6:40am On Feb 25 |
wonlasewonimi:
Congratulations! It's always refreshing reading this kind of news here. The cost of the property is 26k? Deposit on 90% LTV . 1 Like |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Tolzeal(m): 11:49pm On Feb 15 |
ehizario2012:
I've been trying to understand why majority of your comments always bear these smiling emojis. Is it a signature sir or na things just funny like that? You don’t understand brother you just get used to it. 1 Like |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Tolzeal(m): 10:07am On Feb 07 |
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Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Tolzeal(m): 5:38am On Feb 07 |
ReesheesuKnack:
You are spoilt for choice. You can apply as dependant. You can apply for PSW visa.
A bird 🦅 in hand is worth 2 in Sambisa forest.🌳 If it’s me. I will complete the PSW visa application form, but not click submit yet. Then at 11:55pm on the day my current bisa expires, I will check one last time if the CoSi have been promised has landed. If it hasn’t, I will pay for, and submit the PSW application. If Nepa come take light nko ? 11:55 pm ![cheesy](https://www.nairaland.com/faces/cheesy.png) odika risky . |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Tolzeal(m): 11:24am On Jan 31 |
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Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Tolzeal(m): 9:31pm On Jan 29 |
Ayodelemi2300: This question is for people wey sabi car wella. Please is the Hyundai i30 automatic a good car?? I want to buy an automatic car and Hyundai dey enter my eyes. Please I need advice. Hyundai i30 is a great choice . Wife to a friend of my is using you and always talk about good things about the car. Depending on your location insurance could be quite affordable too. 2 Likes 1 Share |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Tolzeal(m): 9:55am On Jan 27 |
humblemoi: Uncle @Lexusgs430 on Tipranks, is it advisable to buy stocks at the dip or the stocks already progressing in the traders portfolio?
Rule of thumb. Don’t try to time the market. |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Tolzeal(m): 11:55am On Jan 26 |
jedisco:
Truth be said, I doubt if that rent reporting stuff actually works. Mortgage criteria are quite straightforward I second this opinion. It's a BS tbh ! Never seen any good/ positive effect of this rent thing on CS boosting. 3 Likes |
Travel / Re: Living In The UK: Property,Mortgage And Related by Tolzeal(m): 1:40am On Jan 21 |
Walexwal:
Yes, you will be eligible as the tax year ends on the 5th of April. Also, I think one can continue to fund their LISA until a person turns 50. I think it would be fund ISA , not sure one is qualified for LISA again after first use to buy a property. But the rest could be used for ISA 1 Like |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Tolzeal(m): 2:18pm On Jan 19 |
ehizario2012:
Surprising to know that some of us are still not using one form of IPTV provider or the other... IPTV on my phone, laptop, TV box, tab ![grin](https://www.nairaland.com/faces/grin.png)
Watch anything watchable Please how do you set it up. is it the same from Mr Lexus ? |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Tolzeal(m): 9:26am On Jan 16 |
Lexusgs430:
They don't offer jack + no referral links......
MBNA - Dual offer.....
Virgin - Bslance transfer cards + 0% interest on purchases....... Not sure they would give to someone without much UK records , say less than a year . Tried their eligibility checker and got the rejection. |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Tolzeal(m): 9:25am On Jan 16 |
Ukliving:
Application was rejected![sad](https://www.nairaland.com/faces/sad.png)
Will reaching out to customer care make a difference? -You should have check eligibility before applying. That would leave a hard search on your profile . I’d suggest not trying to apply for anymore CC for the next few months . Use apps like Credit Karma or ClearScore to find pre-qualified CC before applying 1 Like 3 Shares |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Tolzeal(m): 1:46am On Jan 16 |
Lexusgs430:
Have you tried MBNA or Virgin....... This one's would suffocate you with credit limit......... 😜🤣 Does that mean they’re good or bad ? |
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Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Tolzeal(m): 4:00pm On Jan 14 |
hustla: Where can we stream Naija match please ![grin](https://www.nairaland.com/faces/grin.png)
High likelihood of disappointing as usual but still I’m using an app called “55 Football Live “ that’s the only stable place I’ve seen. To access the current live games , click “ Live” tab and you should see all available matches including the AFCON games . PS : I think this mainly work on iOS atm. I have it on my iPad. 4 Likes |
Sports / Re: Ivory Coast Vs Guinea-bissau: AFCON 2023 - (2 - 0) On 13th January 2024 by Tolzeal(m): 10:48pm On Jan 13 |
Please anyone got where to stream live ? free or paid |
Jobs/Vacancies / Re: Lets Discus Payrolls In Nigeria. What Is Your Monthly Salary? by Tolzeal(m): 3:19pm On Jan 11 |
zyzxx: can you train someone sir?
Hey buddy . Are you alright ? Long time and happy To see you again . |
Travel / Re: Living In The UK: Property,Mortgage And Related by Tolzeal(m): 7:01pm On Jan 01 |
fetomowo:
I seem to understand the question differently. Is there any single (unmarried or an individual) person who have bought a house here? I will be interested in more single people providing answers and direction to this question. I’m actually considering two bedroom flat or apartment. Would anyone also advise Buying 2 bd flat under 300K pounds and being able to move out in 2- years time, then put it on rent and been able to gain some cash flow from the property.. 1 Like |
Travel / Re: Living In The UK: Property,Mortgage And Related by Tolzeal(m): 12:57pm On Dec 25, 2023 |
Congratulations to everyone.
Can you please new owners help us with more details .
- Like Area of purchase. - Average price. - Average deposit.
That would come handy. Thanks 4 Likes |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Tolzeal(m): 8:29am On Dec 21, 2023 |
ubby26: Phew!!! We are back!!! Let me be the first to post. Moments like this made me realize how much I miss nairaland 1 Like |
Travel / Re: Living In The UK: Property,Mortgage And Related by Tolzeal(m): 9:30pm On Nov 06, 2023 |
Solumtoya: Avoid using your account for too many International transfers to/from Nigeria within the 4 months leading to your application as Barclays and many other Lenders can have serious issues with this.
If your main Bank is Barclays, they have access to your Financial transactions and can deny you for reasons dating further back while if your accounts are with other banks, they rely on only the time frame you gave them. Of course, if they have concerns they can request for more Months of Statements but I'd say it might be easier to avoid Barclays as main Bank.
LISA please. If you're not 40 yet, please open your LISA today. Moneybox is a good provider and you need only £1. I delayed on my LISA and I am still waiting for it to turn 1 year this week so I can access my funds. LISAs are great, I got free £4,000!
Many Mortgage Advisors charge a fee. You don't have to pay. The Bank pays them like 0.5% of the Mortgage amount so you really shouldn't pay of you don't want to, just look for another Advisor. If you're bold and don't have any special circumstances, you don't even need an Advisor. The main advantage of an Advisor would be Specialist Advice and helping with a range of products across many Lenders to help you get the best deal.
For Tier-2 Holders, it's easiest when you have more than 2 years residency, more than 2 years left on your Visa, 10% deposit (if you have up to 25%, you may not need 2 year residency); also if you have household income of over £100k, you get more Lenders. I had 2 years residency and the only Lender I got was Barclays. Skipton almost considered and Halifax had conditions such as 25% deposit or £100k+ household income.
Don't waste your time getting many Decision-in-principle, just go for Barclays first. Also ensure that whatever Decision-in-principle is only a soft check.
While having credit is good, you may be required to clear all outstanding debts before disbursement of the Mortgage.
Be very cautious of Solicitors, they can mar the whole process. Always go for referrals, a Solicitor someone has used and confirmed as efficient. Thanks for your contribution. At the bolded, do you mind explaining how you got an extra 4,000GBP if the withdrawal duration is just a year? Is it with your partner or just you? 1 Like |