Pearlyfaze:


If Oga Boss @Lexusgs430 opens church I go be one of his first Protocol officers.

Wetin' him don do for me in this UK nor be small. I dey watch DSTV and plenty other things them, na him
Rent Money is dead money na him preach am make e from enter my madula.

Oga boss your face show, your shoe shine.

Only if you promise not to collobi my tithes/offerings........😜😂

profemebee:
Great way to end the month of love

Congrats..

Is it true that land registry takes time and can be done after completion date?

Yes it can be done after completion. Ours took about a month.

thanks for confirming, that was quick.. new build?

Estroller:


Yes it can be done after completion. Ours took about a month.

Hello my people,
I got the attached quote for conveyancing.

I want to ask if its alright cos is far cheaper than others that I have gotten.

mohtunrahyor:

According to Moneybox, from receipt of the form, the whole process can take up to 10 working days if the request is for a full withdrawal of funds. Please note that this withdrawal can take longer if the customer is still contributing to their Lifetime ISA and/or requests that any pending government bonuses are also paid as part of the withdrawal.

Our solicitor received the funds from Moneybox within 3 - 4 working days after Moneybox received an email from the solicitor.
My husband- 3 working days
Mine - 4 working days because Solicitor responded to mine late, they thought it’s one LISA.

Pls let me ask this question, I have LISA with moneybox that will be 1 year in May 2024 but my wife just opened in February,2024 We are in the process of buying a house, would she be entitled to the 25% bonus in May as I have added her as buying partner?

profemebee:
thanks for confirming, that was quick.. new build?

No, but I don't think it matters.

solveabode:


Pls let me ask this question, I have LISA with moneybox that will be 1 year in May 2024 but my wife just opened in February,2024 We are in the process of buying a house, would she be entitled to the 25% bonus in May as I have added her as buying partner?

Yes to the bonus. What you won't be able to do is use her own LISA towards the purchase, to do that, you'll have to wait till the 1st anniversary of her LISA. She will also not be able to use the LISA towards a home purchase in future as she would have lost her FTB status.

Hi Everyone,

I'm looking for a reputable builder in Liverpool. I have a 2 bed BTL that I want to refurbish.

If you know any reliable builder in that area, please let me know. Thanks

1. Has anyone bought a new build “show home” before? How much extra was it? Just feel a lot more stress-free than furnishing to the same standard.

2. Any concerns in buying a house in a 99% white community? Most new builds are in less urban areas with lots of non-immigrants as majority, kinda looking for a mix to get a good community vibe. Any tips on this?

Thanks ahead

Good evening.
Please is this the right account needed towards home purchase ejor? I just opened this today and want to be sure I’m on track 🙏

Ugochinyere1:
Good evening.
Please is this the right account needed towards home purchase ejor? I just opened this today and want to be sure I’m on track 🙏

Yes

Resurgent2016:


Yes

Ooh great thank you so much for your swift response

Jamesclooney:
1. Has anyone bought a new build “show home” before? How much extra was it? Just feel a lot more stress-free than furnishing to the same standard.

2. Any concerns in buying a house in a 99% white community? Most new builds are in less urban areas with lots of non-immigrants as majority, kinda looking for a mix to get a good community vibe. Any tips on this?

Thanks ahead

I do not have first hand experience buying a show home but I know people who have and in each case they were happy with their purchase. I had to opportunity to buy a show home last year unfortunately my finances weren't in order, now I am the process of getting same type of house like the showhome but I can see that the showhome had a lot of extra in the build that I wish It was still available to me, I wouldn't mind paying more for all the extra's. In the case of the people I know that got show homes, some were able to negotiate very good discounts as the show home was the last to sell off in the development while others paid slightly more for the extra. I guess it depends on the developers and varying circumstances

Santa2:


I do not have first hand experience buying a show home but I know people who have and in each case they were happy with their purchase. I had to opportunity to buy a show home last year unfortunately my finances weren't in order, now I am the process of getting same type of house like the showhome but I can see that the showhome had a lot of extra in the build that I wish It was still available to me, I wouldn't mind paying more for all the extra's. In the case of the people I know that got show homes, some were able to negotiate very good discounts as the show home was the last to sell off in the development while others paid slightly more for the extra. I guess it depends on the developers and varying circumstances

Thanks for your insight. Based on your experience/perspective. What’s a reasonable/avg amount to set aside for the extras apart from the deposit? Extra 10k? 20k? I’m trying to plan as well so as not to be “shocked” at the additional costs involved. Thanks

Jamesclooney:
1. Has anyone bought a new build “show home” before? How much extra was it? Just feel a lot more stress-free than furnishing to the same standard.

2. Any concerns in buying a house in a 99% white community? Most new builds are in less urban areas with lots of non-immigrants as majority, kinda looking for a mix to get a good community vibe. Any tips on this?

Thanks ahead

To give my opinion on the number two question.
I am the only black in my estate. The community have some Black families who have been there with no issues.

The colour of humans around you should not bother you at all. If the estate meets your requirements except the number of black people there, I will say be the first Black.

I have a funny theory regarding showrooms which speaks to your nos 1 question

Since they're built first as the standard and all in many scenarios, the builders will have a lot of learning curves and points to take from it and use to build the other houses around it.. most times, show rooms are right there at the development site where the other new houses will be

My logic isn't to buy a show room.. i try not to get carried away with its beauty... ,you can take pictures and then work your new home to be furnished like it

my 2cents abi 2pence

2. Don't let that worry you too much.. if you're the first/only black, be a great representative.. If you're not.. enjoy.. make friends.. it is just skin.. we will turn to dust eventually

Jamesclooney:
1. Has anyone bought a new build “show home” before? How much extra was it? Just feel a lot more stress-free than furnishing to the same standard.

2. Any concerns in buying a house in a 99% white community? Most new builds are in less urban areas with lots of non-immigrants as majority, kinda looking for a mix to get a good community vibe. Any tips on this?

Thanks ahead

Resurgent2016:


Yes

Hi good evening
Please if you wouldn’t mind can I dm you?
I need some more clarification please

Ugochinyere1:

Hi good evening
Please if you wouldn’t mind can I dm you?
I need some more clarification please

Sure

Resurgent2016:


Sure

Please kindly check your email 🙏

Ugochinyere1:

Please kindly check your email 🙏

Seen, responded

I need clarification
I read somewhere that if I use gift as deposit, that I have to pay tax if the gift is above £3000. I actually have about £5000 in Naija that I want to transfer to my Bros and he will In turn send it to me as a gift. How practicable is that ? As I also learnt they need to see his account statement.

Has anyone used gift from Naija as part of their mortgage deposit ? How did you go about that ?

solveabode:
Hello my people,
I got the attached quote for conveyancing.

I want to ask if its alright cos is far cheaper than others that I have gotten.

seems you used gift in your deposit. Was it from Naija ? How did it go?

Domistic:
seems you used gift in your deposit. Was it from Naija ? How did it go?

No. Uk

Just want to confirm some things from the elders.

Have been planning to climb the ladder all this while, I moved my deposit to the UK from Nigeria long time ago, like 2 years now, but just because my bank account was new and I don't have the urge to shalaye to banks where the lump sum came from, so I left the funds in a relatives account ( British)

Now I have all my documents ready and want to put in an offer on a property.

My question is.....

Is it advisable to move the funds now to the bank account I want to use in getting the mortgage or I should wait till the bank approves the before transferring the funds to my account?

Giving that it's more than 2 years that the gbp has been transferred. Do I still need to provide documents /proof of funds during AML check?

If my relative transferred the funds to my account now, won't the bank assume it was a borrowed funds from him or how do I explain it was sent to him for safekeeping?

When is the right time to move the funds to my account? Now or after applying for a mortgage?

Thanks

BuildingProject:
Just want to confirm some things from the elders.

Have been planning to climb the ladder all this while, I moved my deposit to the UK from Nigeria long time ago, like 2 years now, but just because my bank account was new and I don't have the urge to shalaye to banks where the lump sum came from, so I left the funds in a relatives account ( British)

Now I have all my documents ready and want to put in an offer on a property.

My question is.....

Is it advisable to move the funds now to the bank account I want to use in getting the mortgage or I should wait till the bank approves the before transferring the funds to my account?

Giving that it's more than 2 years that the gbp has been transferred. Do I still need to provide documents /proof of funds during AML check?

If my relative transferred the funds to my account now, won't the bank assume it was a borrowed funds from him or how do I explain it was sent to him for safekeeping?

When is the right time to move the funds to my account? Now or after applying for a mortgage?

Thanks

Best and cleanest thing is for your relation to gift you the deposit. It has to be a gift with no reservations and the solicitor can help you draw up the right wording etc. And yes, AML applies to him and the funds. They should be prepared to provide upto 12 months worth of bank statements showing the funds.

Domistic:
I need clarification
I read somewhere that if I use gift as deposit, that I have to pay tax if the gift is above £3000. I actually have about £5000 in Naija that I want to transfer to my Bros and he will In turn send it to me as a gift. How practicable is that ? As I also learnt they need to see his account statement.

Has anyone used gift from Naija as part of their mortgage deposit ? How did you go about that ?

If the funds is yours, why dont you just transfer straight to your account, Explain it as your savings in Nigeria. Instead of sending to your brother first and then he sends to you as gift. You are allowed to have savings in Nigeria or any other country. So long as you defend it.

IT’S MY TESTIMONY TIME 💃🏼
MOVED INTO MY NEW HOME 29th FEBRUARY

Principality 4.8% for 27% deposit (Including Help to Buy Wales) with 2 years in the UK.

LISA Contribution with my husband started 23rd of September 2022 and Completed October 2023 to get a total of £20,000 (bonus included)

I really appreciate all of the information and encouragement given on the platform.

Thanks to @Lexuss430 and everyone for taking time to reply messages.

No more DEAD MONEY 🎉

Congratulations!

mohtunrahyor:
IT’S MY TESTIMONY TIME 💃🏼
MOVED INTO MY NEW HOME 29th FEBRUARY

Principality 4.8% for 27% deposit (Including Help to Buy Wales) with 2 years in the UK.

LISA Contribution with my husband started 23rd of September 2022 and Completed October 2023 to get a total of £20,000 (bonus included)

I really appreciate all of the information and encouragement given on the platform.

Thanks to @Lexuss430 and everyone for taking time to reply messages.

No more DEAD MONEY 🎉

mohtunrahyor:
IT’S MY TESTIMONY TIME 💃🏼
MOVED INTO MY NEW HOME 29th FEBRUARY

Principality 4.8% for 27% deposit (Including Help to Buy Wales) with 2 years in the UK.

LISA Contribution with my husband started 23rd of September 2022 and Completed October 2023 to get a total of £20,000 (bonus included)

I really appreciate all of the information and encouragement given on the platform.

Thanks to @Lexuss430 and everyone for taking time to reply messages.

No more DEAD MONEY 🎉

Congratulations on your new home

Santa2:


If the funds is yours, why dont you just transfer straight to your account, Explain it as your savings in Nigeria. Instead of sending to your brother first and then he sends to you as gift. You are allowed to have savings in Nigeria or any other country. So long as you defend it.

The money is in crypto, at the moment

🎉🏡 Testimony Time! 🎉🏡

Guess who just conquered the infamous property ladder? That's right — yours truly! 🙌 After an exhilarating journey filled with twists, turns, and a whole lot of learning, I finally got the keys to my very own slice of heaven, just two days after sealing the deal.

Let me drop some key pointers for those eager to embark on their own property adventure:

Lisa Isn't for Everyone: If you're eyeing a cozy abode in London or certain sought-after spots, Lisa might not be your knight in shining armor. I learned this the hard way, but hey, lessons are part of the journey, right?

Solicitors: The Unsung Heroes (or Villains): Oh boy, let me tell you — the role of solicitors in this process cannot be overstated. They can either be your best friends, smoothing out every bump in the road, or the stuff of nightmares, throwing obstacles in your path. Choose wisely!

Believe in the Power of Possibility: Through every hurdle, setback, and moment of doubt, one thing kept me going: the unwavering belief that anything is possible. And let me tell you, standing in my new home, that belief has never felt more real.

So, to all the dreamers out there eyeing their own spot on the property ladder, remember this: the journey may be challenging, but the view from the top? Absolutely worth it. 🌟🏠 #NewHomeJoy #PropertyAdventure

seyejohn94:
🎉🏡 Testimony Time! 🎉🏡

Guess who just conquered the infamous property ladder? That's right — yours truly! 🙌 After an exhilarating journey filled with twists, turns, and a whole lot of learning, I finally got the keys to my very own slice of heaven, just two days after sealing the deal.

Let me drop some key pointers for those eager to embark on their own property adventure:

Lisa Isn't for Everyone: If you're eyeing a cozy abode in London or certain sought-after spots, Lisa might not be your knight in shining armor. I learned this the hard way, but hey, lessons are part of the journey, right?

Solicitors: The Unsung Heroes (or Villains): Oh boy, let me tell you — the role of solicitors in this process cannot be overstated. They can either be your best friends, smoothing out every bump in the road, or the stuff of nightmares, throwing obstacles in your path. Choose wisely!

Believe in the Power of Possibility: Through every hurdle, setback, and moment of doubt, one thing kept me going: the unwavering belief that anything is possible. And let me tell you, standing in my new home, that belief has never felt more real.

So, to all the dreamers out there eyeing their own spot on the property ladder, remember this: the journey may be challenging, but the view from the top? Absolutely worth it. 🌟🏠 #NewHomeJoy #PropertyAdventure

Congratulations on your purchase.