₦airaland Forum

Madeu:
There’s a product fee attached to Barclay. 899 is the standard for most first time buyer.

It depends on the product you choose.
I was a FTB with Barclays and I didn’t pay product fee.

It was meant to be a celebration of freedom. The institutions only need to curb their excesses and allow smooth and decent celebrations. I did same back then.

“Beast of a Nation” by great Fela Anikulapo and “Anybody” by Burna Boy should be on your list.

Very wide margin. Congrats to him. I hope he represents his constituents well.

ukay2:
Very true..

I believe he/she should be claiming most of these things you have said.

I do claim them yearly with HMRC... including the annual ISCP fees for us in surgical practice.

I didn’t chief, but I’ve gotten the form now.

jedisco:
Hehe. I wonder if you could have paid into a SIPP to bringdoen your taxable income. At your income level, you get 40% tax rebate on SIPP contributions.

Remember having that conversation with HMRC after some vigorous work and a the 'golden handshake'. The lady in a sweet calm voice said someting in the like of 'for every £1 you earn, you'd pay 50p + in taxes and... ' Told her no problem, I've taken note. Since then, I kept clear of that treshold.

My own was “ The moment you crossed 100k, for every 2 pounds you earn, you paid 1 pound in tax”
Can you please educate me more on SIPP?

giselle237:
What of all your allowable expenses? Why are you not claiming them? You are losing alot. Exams especially if in training, GMC, Royal college fees, MDU, indemnity fees, BMA, mileage, travel expenses not reimbursed by the trust, stethoscope, uniform purchase, uniform maintenance, charity donations eg to religious bodies etc
You should register for self assessment and claim back all your professional fees in the best.
Get an accountant if this is confusing.
You can claim back up to 4 years ago.
Hmrc does not know about your personal circumstances. You need to help yourself before they still take more money from you.

I’ll claim everything. They’ve told me that there is a form available on gov.uk. Someone mentioned this to me at some point but I didn’t know how to go about it.

ukay2:
If you have the HMRC online portal and login, they usually break down the whole earnings down in the letter they sent to you and how you under paid tax.

In my experience, most of their calculations are usually correct when l compare it with my payslips for the tax year.

I think you should do same thing. No need for chartgpt thing.

Thank you very much. It’s all clear now.
I called them this morning and the representative took time to clarify my doubts. Apparently I lost the 12,570 tax free bonus. My tax code was calculated with code 0L, not 1257CUMUL due to crossing 125k. That was where I got it all wrong.

Can someone please help have a look if I’d paid less tax for the year 2024/2025 tax year?
HMRC said I underpaid by a certain amount(over 5k) and I have to sort it out by 31 Jan 2026. I am not convinced that I am owing up to this amount. I only had one job throughout the year(PAYE). I earned significantly higher than my predicted income for the year due to locum shifts from the same trust, and the salary increase (including arrears) paid to resident doctors last year.
I have ran my payment information, p60 and every other figures through some online tools, including chatgpt, it’s pointing out to me not owing. I’ve rang hmrc, the lady that attended to me was not really patient enough to run me through how they arrived at this underpayment. She was only interested in how I can pay it off bit by bit. Can’t deduct it from my salary as my tax code has already been altered to accommodate the deduction for the underpayment for 2023/2024 tax year.

I worked offshore (SAIPEM) for 4 years before leaving the Middle East. I didn't know how to swim and I still don’t know how to swim.

Got our keys yesterday!!!
Reading through this thread really helped me navigate through the process.
Mortgage with Barclays -4.3% at 75% LTV.

Please what do you suggest on building insurance? Any particular thing to look out for? I’m seeing fair prices on compare.com, mortgage advisor is showing me a relatively higher figure for a pretty similar thing.

Meogom:
Hello guys. Please I need your input.
So we've agreed 25th July for completion, and solicitor say contracts would be exchanged this coming week, no chains.
We went ahead to buy some household stuff from curry's on finance (£1640 @0% interest for 12 months). Now estate agent asked that hope we've not gone buying stuff, told her we bought some stuff, she said she was going to get in touch with Barclays to ask if it's a problem, but that we should tell the solicitor to hold on the exchange till we get feedback.
Abeg what should we do in this instance, cos I don't want to tell the solicitor to hold on.
Whats the implications and the worst case scenario, Could Barclays withdraw the mortgage offer cos of this?
We have some funds available for setting up the house, do we just use this to pay the credit?

I’ll literally just pay off the finance and not bother and inform the agent not to escalate anything.

Haa. This is interesting. Who wrote the book in the first place?

geoworldedu:
When they ask their seemingly rich 'family man' uncle for money and he could not provide it.

Another one is when people on 30k salary think that earning 100k salary will make an end to their woes.

And people earning 100k salary think that they have blown if they can start earning 300k salary.

Then those earning 300k salary think that they have reached their destination if they can start earning 600k salary.

This is so true.

Ujuolu:
Pls what & what is included? Mine is £6,641. I'm in Scotland and Stamp duty is paid for property worth £250k and above.

I’m also buying in Scotland, ahead of my planned relocation there. Things seem to be done differently there. Sellers already have their survey and valuation done. Would you advise that I do my own survey prior to signing the mortgage? The house seems okay for the price and the survey didn’t highlight anything.

D1uncle:
Did they confirm that it’s your offer that has been accepted? Buying a home is a huge decision, and you can back out at any stage. My advice would be to cancel your offer until you have a strong feeling that you truly want that property. Even then, make sure to research the neighborhood and everything else thoroughly before making a commitment.

It’s my offer. I received the emails for the every progress made and everything seems to be going smoothly. They were the ones that suggested the mortgage advisor and the solicitor to me. I’ll send them an email as soon as I can on Monday. The other property is better positioned for my daily commute and I can easily commute to work on my bicycle. With the offer locked in, I’ll need to stick to my car, which I was ready to do before seeing the better positioned property.

Pls how do I go about this??
A property I made an offer on Wednesday has been changed to “under offer”. I have seen another property that ticked even more boxes today and I am due to inspect it on Monday afternoon. I may honestly go for this based on the location and some other factors.

Do I need to send the first agent a message or wait till I’ve inspected the property on Monday evening? They tried to reach me today, I didn’t pick it as I’m not even sure of what to tell them. The seller was very pleasant when I went for inspection but then…

I saw a 20 years old building ticking all my boxes but with an EPC C(74). The owner has been the occupant, with her family since new. She uses wall paper to design some of the walls. I found them so nice and I may even retain them for a while. I’ve read about people using wall papers to cover up defective parts of their houses. In as much as this doesn’t seem like it, are there other things that I need to look into or be aware of?
House is in Scotland and I have seen the home report of building and nothing was mentioned about any defects in the building.
Again, at what point do I do my own survey?

MonkeySee:
Sounds like Gleeson homes with the finishings I might be wrong though

It’s not Gleeson. I’ve visited Gleeson’s show room near us, I tend to prefer StoryHome based on reviews.

jedisco:
Like for like, there is usually a prenium on detached properties. In your case, there are some differences in both but being on thesame development makes it easier to compare.

For the 4-bed semi with 4 toilets, is it across 2 floors? Cos family houses with such are generally priced less as many households with young kids would want the living quarters on one floor for practical reasons. Also, many built that way (i.e 'town houses') tend to be quite narrow of late.

That the 3-bed detached seems to be more sought after already tells you something. I was in a fairly similar dilemma when I bought (with the 4-bed semi being upto 20k cheaper) but was also advised against a semi. Some colleagues in semis have had issues with neighbours especially when you have young kids playing around or neighbours smoking hemp. For one, the only thing he regrets in his house is that it's not detached. Sound insulation between modern semis tend to be good, but even at that, vibration still travels thru.

Finishings are great but they are fixable and come in and out of vougue. There are parts of a house you can't change- in this case detached or semi. Also having a garage with parking for 2 cars would always carry a prenium especially if sited next to the house.

Lastly, you need to factor in your family size and plans ahead. With 3 kids, if you're the type that has family/friends over often, the added space is needed.

For me and with limited details given, I'd largely tilt towards the detached.

Thank you for this detailed response. Yes, the 3 rooms are sufficient for us.

Please what’s your thoughts about semi-detached and detached properties. I’ve inspected some properties this week. We fell in love with 2 of them. They’re both in the same development. Property A is a 4 bedroom semidetached with 4 toilets. My madam is in love with this property due to the top notch finishing. The sitting room and the kitchen was finished with porcelain tiles and the fittings really enter my eyes. It’s a well maintained property. The bathrooms are top notch too. This property has parking space for 1 car. We use 2 cars . We can always park the second car by the road side.
Property B is a 3 bedroom detached, 3 bathrooms with a garage plus space for parking 2 cars. Neat and simple finishing with laminate flooring. Same price range. I’ve seen the survey reports for both. I may pay a little more to win the offers for B, based on speculations of being more popular with more potential buyers.
I’m currently renting in a detached property. My colleagues were pointing out some cons of buying the semidetached. They think I can always fix things up in the detached property, including converting the garage to an extra room in the future if the need arises.

If affordability is not an issue, is there any possible way a married individual can exclude his/her partner in the mortgage? And in such situation, does the other partner have to be involved if the property need to be sold in future?

You’re not likely going to graduate with a 2.1.
If you work hard, you can get 2.2 which is not bad to be honest.
Augment your certificate by learning some sellable skills and certifications.
Goodluck.

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.

BAT
GEJ
Late Umaru Yaradua.
BAT is a core democrat and he has always been around as a political leader.
GEJ is a very considerate leader, a democrat. He sacrificed his 2nd term ambition for the potential crisis brewing up, that might leed to loss of lives and properties. GEJ did not want Nigerians to experience that.
Late Umaru lived a simple life. Can’t really tell if he was going to sustain his legacy as he was not around for long. He was heavily rigged to power by Obj and he admitted it. He was ready to work for Nigeria but the became too unwell to do much.

carzeem1:
Sole earner? You prefer your spouse staying home?

Young family. Child care will consume whatever job she takes as she can only do care for now.

raskymonojendor:
If this is earnings after tax and deductions, rent would gulp atleast half of 2000 pounds. Followed by another 400 in bills. You will still be left with maybe 600 to save.

If this is before tax, you would receive about 1600 after tax, then you can now remove your mandatory expenses.

As for 500k, it's somewhat similar spending power in Nigeria.

How about food? Transport? Personal care stuffs.

My rent plus bills is around 1k but I still get to spend about 3k-4K monthly for a family of 5.
I’m the sole earner and we use 2 cars. Car insurance, road tax, my practicing license fee, medical indemnity, gym subscription, internet subscription, various activities classes for the kids etc are all on monthly subscription and they eat deep on the money.

MT:
Apart from the field trip, which parents pay for, Niigeria education is superior to theirs, as bad as it seems.

Let a Nigeria student enters their primary and secondary schools, they always outshine them. I am talking of serious students.

If you calculate the cost of uniform alone in the UK, you will run. Not to talk of cost of field trips which end up being more expensive than average Nigeria schools.

True. My daughter is in reception at 5. She is still learning sounds and syllables. Her brothers have started reading story books perfectly at 5.
They really shine when joined

What’s the size of your family? If you’re single or married and your wife can work or start working in no distant future, 2k quid is fine. But if you’re going to be a family of 2 or more with just you earning 2k, you will survive but struggle.

Firefunmi2014:
Where in Whitehaven are you? I am also in Whitehaven.

I’m in Hensingham, few yards from west Cumberland hospital.
Where are you boss? We are not that much here so I fit know you self.😁😁😁

shaybebaby:
Ooo, just left Whitehaven this morning. Naija sha, we are EVERYWHERE in the world.😀

Wow. You visited our village 😁.
Trust Nigerians, we now have a good community here.