₦airaland Forum

Iruosonobrugwhe:
dear all,
Please help is needed here oo. I am looking for a 3BR house to rent in Coventry. Any help/reference/link et al would be highly appreciated. The journey has not been easy as i expected. thanks

wonlasewonimi:
Just let Elon Musk say rubbish about your coin, you go see shege.

Lexusgs430:
Sell on rise, buy on dip, then hodl ........ Buy, rinse and recycle........

RDMS:
Hello everyone, I will be relocating with my family to the UK and I would like opinions on Newcastle/Sunderland vs Nottingham/Leicester for settlement.

Considerations:
1. Safety and quality of primary/high school in the region
2. Affordability: I considered the North East because of average cost of 3bedroom around £500-600 . Is it possible to get a comparable rate in Nottingham or around?

What are the negatives and positives in these locations beyond cost of accommodation?

baykeylala1008:
Hello guys plz I hope u remember my case I posted few days ago, but now I've managed to get my refusal and I discovered it was a "BAN" plz what's the way out....

What year was this - paper-based applications ended in 2013 or so - and what documents did your agent give you to submit, and were they made up?

Ticha:
Using our latest

fatima04:
I think the bolded is what we don't talk about enough. For those with families, please try and get a Life insurance.

Ticha:
It's not actually that easy. In a rising market, remember you are also buying in that market. Plus add stamp duty, 25% deposit min, affordability costs and you most likely won't get the plans off the ground. I agree that property is the fastest way to growing generational wealth but it is a slow process. The days of slapping paint on, new kitchen and bathroom to get instant equity are long gone. Plus BTLs are stress tested at higher interest rates than resi mortgages.

HTB is a good way to get on the ladder if you are struggling to get there. The most important is to get on the ladder. Once on it, recalibrate and grow. It's easier to leverage once you have one than starting from scratch.

New builds do carry a hefty premium - I'll never buy one. They also don't stack up in value properly compared to older houses. I completely agree with you on that one. I'd rather buy a leasehold flat than a new build house but that's because property is my side gig so whatever I'm buying has to be work for leveraging purposes. If I would ever live in a new build, it will be me building to spec for myself on my own land.

PS - Homes Under the Hammer does not replicate real life o! Lots of unseen calculations that they never ever show!
In addition to life insurance, write a will too! If you have children, stipulate the guardian for them in the will too.

dustydee:
HTB is designed to help those without enough money to make a huge deposit to get on the property ladder. If the government takes a portion of the profit(or loss) on the property, I don't see anything wrong with that.
I bought a property about 2 years ago using HTB. My decision was based on the fact that I was looking for a bigger house and the ones available had ridiculous rent (almost what i will pay as mortgage). I instead opted to use the HTB scheme with the 5% equity I had.
Now when I remortgage this year, My house was valued at £27k higher than I bought meaning if I paid off the HTB scheme, they will take 20% or £5400 of the "profit" leaving me with £21k "profit". In the lat 2 years, I have also built up equity such that if I sold at current rate, I will have more than what I would have saved while still renting. The rent would have gone to the agency while also looking for spare funds to save towards my deposit. For me it worked and I know the feeling of having to part with some of the value appreciation of the building but it is what it is. I plan on remortgaging when my current rate expires and use part of it to payoff the HTB.

Estroller:
I'm sure EngrSaks is referring to HTB equity loan which gives the government a stake in your property, and yes you can remortgage but you won't have the luxury of choice available to someone with an old build.
Also when you come to sell, government will be cashing in the % of their stake left in the property.

Jbloc:
No oga.
You can remortgage, sell or do whatever you want on the house. You can pay off your loan early too, irrespective of the current house value. Its all a win-win situation.

Jbloc:
I beg to disagree.
The are both the same scenario, with HTB is even better
Person 2 can sell off his Help to Buy house in year 2, pay off his government liability and buy an old house. He has effectively used the interest free loan to get a leverage.
No point to wait an extra year and be paying rent, leverage the loan and get on the ladder.

Lexusgs430:
If you can't beat them...........

dustydee:
Please can you elaborate more on the limitations and drawbacks of Help to buy?

STENON:
thanks Engr. We have applied for a January admission for her . Na money be the koko now

Lexusgs430:
Shame on you........

Lexusgs430:
Yes ...... Once someone is independent, they need to show ties to Nigeria.......

Those ties must be tidy enough, to resist temptation...... May we all have the ability to resist temptation........

Even if she provided that bank statement, they would find another reason to refuse her ........

A couple of years ago, when my younger sister applied. She was refused, according to the jobsworth that dealt with her file, my mum's bank statement was FAKE ..........

My younger sister was working and earning well..........

My elder sister and I put our legal wigs on, appealed the decision (had loads of evidence on tow ).......

We headed down to Feltham on the hearing day, within one hour, case was over ........ Immigration judge ruled in our favour ........ Sent a letter to UKBA to issue visa ...........

My younger sister is now fully resident and legal in the UK .....

Bluetherapy:

Out of curiosity, was this a visitor's visa?
Did you really go to court to appeal this(visitors visa)?
E dey possible? I thought it's just writing them back to appeal the matter!

STENON:
thank you. Thinking student visa should be better ?

STENON:
Thank you all for the advice. We actually invited her to come over for holiday and tourism and we wrote a supporting statement that she is definitely going back to continue her work. The bank statement was the main issue as pointed out. Is it wise to re-apply but without using the bank statement again?

STENON:
Goodafternoon. I applied for my younger sister for 6 months visiting visa but she was refused. She is a graduate, worked with a private hospital in Nigeria for 1 year prior to January 2021. She left her job, moved to stay with my Parents as Home Care Assistant because they are old and now wanted to visit for holiday. I and My husband are sponsoring her trip but I was disappointed based on the reason for refusing her visa. Why are they interested in her bank details ??

STENON:
Goodafternoon. I applied for my younger sister for 6 months visiting visa but she was refused. She is a graduate, worked with a private hospital in Nigeria for 1 year prior to January 2021. She left her job, moved to stay with my Parents as Home Care Assistant because they are old and now wanted to visit for holiday. I and My husband are sponsoring her trip but I was disappointed based on the reason for refusing her visa. Why are they interested in her bank details ??

justwise:
Probably but i think NIO backed by Chinese govt will give him a run for his money with time

justwise:
I don't think he cares about his investors, you remember when he talked down on his own share resulting to Tesla share crashing?

He is a billionaire so whatever he says can only make him more money, he will be making money now as the share is going down because a lot more people will rush to buy Tesla, look at the hotlist Tesla is still number one share even as its falling.

tushqueen:
HCPC

Braket:
Thank you for this. But if an advert says bids over 800..... Can one go ahead and bid below the price?