₦airaland Forum

Braket:
Senior home owners, how did you lowball(made a bid).

I have read almost all articles online. The advice is 10 to 15%.

However, checking Zoopla for houses that have been sold, there's an average of just 5k off the listing.

Is there any tip about making a good and acceptable. tip from your personal experiences?

Can you lowball a listing that says "prices over..." Or guide price "30-50". Even though it has been on the market for almost 6 months.

Tray2, RalphLauren, justwise, Lexusgs430... plus everyone that has an advice.

Btw, credit score is taking shape and working on getting my records from TransUnion and Equifax.
Thanks to everyone that gave their input.

On the market for 6 months can mean the home owner is asking for an above market price. On the flip side it could be that the deals keep falling through and you would get an owner who would want to sell fast...

Go as low as you want, houses currently on the market are overpriced so feel free to take off as much as 20%...if they reject the offer you can top up a little...

dustydee:
Talking about neighbours and Sh*t, does anyone have an idea how to stop cats from coming to your garden?
I bought an ultrasound thing to scare them but it doesn't. I have recently bought citronella and cat silhouette but it does not seem to be too effective. I do not have a cat yet I have to clean cat poop, is that fair?

Cats go back to areas where they poo to poo again because of they are drawn by the smell of poo....to handle this you have try to prevent them from smelling the poo for at least 3 days...

I tried the cat repellent granules but that didn't work for me...as a naija guy I improvised by mixing water and strong smelling biodegradable detergent+fabric perfumes to soak my garden for a week...they still came in but didnt poo again...garden has been free and fresh for a long time now

ritskotixy:
Greetings everyone!
I have been seriously troubled at heart lately. By God's grace, January 2021, I shall be coming to the UK with my spouse for masters prog at Edinburgh. I am worried because she is pregnant going to 4months and we just have roughly 2m for survival when we land. From my calculations, after settling down and other factors, her due date would be close by. Obviously, i would be the only one to be working during this period.
I just want to ask if the IHS fees paid covers delivery/maternity?
Are there any benefits for child deliver?
Will this funds plus the little hours i hope to work be okay for us pending when she ll be fit to assist?
Please those with living experience over there kindly advice me.
Thanks.

This one go hard o, your options are very limited...but to make it work you need to find a way of increasing your survival money before coming o, 2m Naira is not plenty.

Make a financial plan that will carry you for at least 6 months without a UK job...

Aphrodite007:
This advice is pure gold. I hope people interested in moving see this and learn from it.

If that 3 years had been spent getting a teaching certificate, IT proficiency or nursing degree, they would be here by now.

Yes o, there are no shortcuts...the best thing is to always do the right thing

habeebobalola:
Plsss ve been following dis thread since 2017, I really want to travel out of this shithole country but don't still Kno how to go about it, someone should just help me out, am a family man.

Like say you start nursing in 2017 for naija, you for don dey plan to graduate this year...and to travel for easy well well

What am I trying to say? Make a plan and start working towards it from today.

Your easiest ways to migrate to the uk include: getting a job; enrolling in a course in the uk; or by having a spouse already in the uk...

We dont have any details about you, what you studied or your circumstances so we cant really give you advice...as wetin work for uche fit nor work for you, every man case different o

[quote author=Estroller post=95893487][/quote]If its occupied then the landlord would most likely have a service contract for gas and electrics repairs.

You can ask the landlord to have his service provider to check it out and generate a separate report on that...if not then you need to get an independent electrics/gas person to check it out for you.

if you find any fault with the gas or electrics then you can beat down the price of the house since it was not the landlord that told you about it...but if it was mentioned that the house needed such specific repairs then it might have already reflected in the price of the house.

You can use anything you dont like in a house as excuse to reduce the offer price

Estroller:
Hi all, hope everyone is well and staying safe. We recently received the survey(homebuyers) report on a house we are looking to buy and the report puts the electrical, gas and heating systems on condition rating 3 (red) and recommended that inspections be carried out and any works found fixed immediately for safety reasons.

It also puts the chimney stack and roof covering on condition rating 2(amber). That the chimney stack will need repointing at some point and later stated that no serious defects were noticed but any work should be done soon.

It looks generic to me, and the addition of the "no defects noticed and any works should be done soon" advisory looks more like they are trying to protect themselves from future litigation.

We did the survey with the hope of getting something to leverage on to negotiate the price downward. Is there anything with such potential in this report, and is there anything to be worried about? Thank you as I await your inputs.

3 is the highest rating, it means you need to have it checked out by professionals...they would most like need repairs or outright replacement...is the house unoccupied?

wonlasewonimi:
Just buy a new house jejely oo if you go buy a haunted house

Na Oyibo ghost suppose dey fear person wey grow for naija

fatima04:
In every country, the business model is to make money. The new builds we did for naija as contractors ehn na ish .

For me sha i like new houses since I dey live in one as a renter . Nothing like tear rubber house

Make una buy investment property next sha (old house)...e nor bad if you collect rent too o

RalphJean:
Thank God for the member who aired their ‘contrary’ opinion about @TRAY’s house & motor post ohh.

If we had only listened to the ‘congratulate him and pass’... and the ‘stop spoiling somebody’s joy’ and the ‘you are jealous fir airing a contrary opinion’ geng....

That’s how we would have missed all these vital (and free) mortgage lessons.

Yes o, we should not be too afraid of constructive criticism...because there's always something to learn

fatima04:
Yeah you are right about the over priced but the truth is RICS regulates the market. Your mortgage broker would request a valuation and wont pay more than what the valuer states, and this is usually in line with older houses in the neighbourhood. This helps get the right type of deal.

And ofcourse refurbishment on Old houses too makes a lot of sense. Although I read HTB can be used on refurbished houses but not too certain about this.

The developers are usually the biggest winners, but like I said it's a good way to enter the property ladder...its not really the best.

HTB is usually for new builds...

nihilistjnr:
Strongly disagree with the bolded.

New Builds should be avoided as much as possible. Many of these developers are thieves.

For example, during this stamp duty holiday, new-build prices have gone up to swallow the money that buyers would have instead paid the government.

Same thing with help-to-buy, the 20% you get from the government has been priced into the cost of the house.
https://www.independent.co.uk/money/spend-save/help-buy-house-prices-loans-first-time-buyers-savings-a8958056.html
https://www.mirror.co.uk/money/help-buy-pushed-up-prices-16501487

The top 4 property developers in the UK are currently under investigation for their shady sales practices
https://www.business-live.co.uk/retail-consumer/barratt-countryside-properties-persimmon--18878586


Not all house na house...shine ya eyes

Yeah some shady deals happening but na the 5% get catch people that's why na our people dey buy new builds pass...lol

nihilistjnr:
Problem with Help to Buy is that it only applies to new builds which are massively overpriced.

New builds are overpriced and you can hardly have an increased equity within a short period....

The beauty of old houses is you can do a few renovations and boom the house value will just increase


But house na house o...better to enter anyone your money reach, because rent na waste...

Well if you get the right mortgage broker, they can give you the best deals...always better to use one if you can

Tobexin:
take a look at this https://www.zoopla.co.uk/for-sale/details/56707934?search_identifier=aa6d8f3aeee8e7079b7c411e284be5fe

Leasehold with short lease...that na one chance o, as person wey get the lease fit call any amount for you...RUN!

Them nor dey rush for house matter o...do your proper investigation...it is always better to buy a house with freehold...

But if na leasehold your money reach, just make sure no comma for the lease (let it be long above 70 years) or any additional fees you might have to pay inside

marylandcakes:
Not everybody like to take advice especially if it’s not what they want to hear. This car lease issue has come up so many times on here if you go back on the pages, like you said this thread is a place where we can share our experiences so others can learn but you get the minority hiding behind the keyboard using it as an excuse to be rude.

Yeah, some people like to insult to prove their point...when it actually does the opposite

marylandcakes:
Everybody do what you want. You are all adults it’s only you that knows your pocket. ThIs topic keeps coming up here and I’ve even been insulted by one small boy here for voicing my opinion. I think it’s a very sensitive topic for some people. If you want a car straight from the show room please go ahead and knock yourself out. If you want second hand do same . It’s your prerogative. We are lucky we live in a free world. Good luck to all the hard working People. Stay blessed.

True, everyone can do what they like...but I think everyone should do what they like after they have the best available information...someone like me would prefer to know all the options available before I make a decision, not necessarily because I can do what I like and it's my money....

I see this thread like an advice channel where you can get diverse advice on everything concerning the UK, so I really dont get offended by people's opinion...because really, an opinion is just a view shaped by someone's experience or circumstance.

Let's keep sending in our honest opinions about things so that we can all help each other grow faster

One love

EmmyKing86:
Good morning all.

I am really happy to see that a lot of fellow Nigerians are relocating to the UK and doing very well for themselves. It's very refreshing to hear irrespective of the obstacles we face on our journey to success.

Having said that, I want to say that it is highly impossible for anybody to come from Nigeria or any other 3rd world country and in less than 2 years OWN a house or a brand new 2019/20202021 car. If you noticed, I placed a huge emphasis on the word 'OWN'. If you take a mortgage to buy a house or you are making installmental payments for the brand new car you bought, I am sorry, you do not own those properties and you have plunged yourself into debt. It can take more than 30 years to clear these debts. If something happens and you are not able to make the payments, they would be re-possessed immediately.

My advice for anybody coming on a tier 2 visa is to save and aim for (financial) stability. Getting a mortgage, buying brand new fancy cars, and making any unnecessary purchases within the first 2 years is really not ideal, in addition to all other monthly bills & taxes that will be paid. Use this time to build wealth, save, build a good credit e.t.c. If you end up losing the job and are not able to secure another one under the grace period you would be removed out of the country. Why not try to settle down and after 5 years of being under tier 2 status you would be eligible to apply for ILR which is one of the most stable statuses for immigrants as your stay will no longer be dependent on your work sponsor.

I think it is important for us not to give our country people the wrong impression of life here in the western world. I'm quite sure most of us might have had the experience of receiving phone calls to send money back home because they think we are living in heaven on earth. We are currently in unprecedented times, multiple jobs are no longer secure mostly due to the economic fallout of the pandemic. I can only say that the most secure jobs presently are GP & nursing jobs within the NHS.

Aiming for financial stability should be the objective.

Wishing everyone well as we all hustle in our own legitimate ways.

Great points...

It is very correct to act with caution but everybody's circumstances are different. I believe the poster is in training in addition to his normal work so fingers crossed his T2 should take his safely to ILR. He go dey alright

He has made some decisions and i totally agree with you that the car part of the purchase was an emotional one rather than a financial savvy one...i am personally not a fan of taking finance on cars. Best decision would have been to buy an affordable one outright with available funds.


If i would advice someone on a T2...Buy a house as soon as you can, even if it is day one...chances are your mortgage will cost as much as your rent at most. Get a car only if you need one, when getting one remember this is not naija, so cars are not really a luxury, just a necessity to move between places you need to get to. so buy one without finance if you can or with an amount that wouldn't tilt your finances too much....and most importantly get houses you can rent out...this will give you extra income and your tenant will be paying the mortgage for you through the rent

TRAY2:
That is the plan.. in the next 3 years, when I must have bagged my ILR or citizenship..then I go even get mouth enjoy better deals.

Thats the Spirit! Wish you more wins!

TRAY2:
I hope this gives hope to some people here, I still can’t believe I am now a home owner and a brand new car 2020 plate car, also undergoing a fully funded post graduate clinical course in University of Leeds from my Trust, just within my 20 months stay in the UK. Mehn this country has been good to me. Anything is possible.

Awesome news! Congratulations bro...Big Wins!!!!

Start planning to buy the next house to rent out

LagosismyHome:
Ehnnn ... truly no balance.

In my side as omopapa said , as telephone consultation enter the matter the locumn work practical disappeared into thin air. Budget holders no won pay locum for that less work

That's sad...it will be safer then to get hospital jobs and locum at the side for such areas.

People shouldn't be afraid to move too oh, if you can, change location...follow the money.

I have a nurse family friend who lived in the Midlands but went all the way to the southwest to locum, guy man made like £10k ontop locum in 6 weeks (pre covid though). I know he was saying something about the rates being reduced but he still had jobs there

omopapa:
Most NHS labs had to cut down staff number due to reduced surgical cases

Maybe he should try getting hospital jobs then

LagosismyHome:
Even Gp locum work practically dried up.... which initally was surprising considering we are suppose to be in a pandemic....you would think the opposite

but maybe its because are told not to go to hospital or gp except in some cases so the actual workload is reduced

Wow, this life nor balance...and I know people turning down locum shifts because them too much

omopapa:
Locum is good but job security is important. A colleague of mine joined locum for the money, his contract was terminated Cus of COVID he’s been out of job since April

Eyah...but there is a shortage of medics. Does he have any health issue?

The money in nursing and medicine is in the locum work, especially night and weekend locum shifts..some nurses i know don make pass £5k ontop locum work per month

Aprokodaughter:
You need calm down the screenshoot you posted also shows that OP agreed that Nursing is good but there are VARIOUS SHIFTS.


The screenshots did not state any comparison. Even you circled "Nursing is ALSO good" go and look at meaning of "also" and how and when it is used in the dictionary. Your imagination won't allow you to be great. Continue to embarrass yourself in public.

If Simple English is so difficult to comprehend then I wonder how you are coping in UK.

It is totally ok to express yourself and have a different opinion about things but the message is lost when you add some unpleasant comments...las las the correct info na for the advantage of our people

wallg123:
Please just ignore them.... if not you go get headache biko

It is always better to pass a clear message

Aprokodaughter:
You need to calm down instead of repeating same thing Na Wa for una sef.

The SET Shifts is still the same thing do they have to spell everything out for you guys.

What do you guys gain from repeating yourselves? Writing long epistles wont change anything. Just be straight to the point that's what OP did.

He even went further to say he doesn't know much about Nursing but nursing still have "various shifts" unlike Teaching that has Monday to Friday and as well public holidays because he his wife is into teaching.

What's there that you guys don't get haba now


The three of you are saying the same thing.

Well "Set Shift" would mean his statement of teachers having more time is incorrect because nurses can do a set Shift to give themselves time

...using various in his context would mean having a rota with different shift times that would make family time difficult...i hope you are getting the picture

...anyways, I hope the person gets the message that nursing work times are not as rigid as was implied

Aprokodaughter:
You gave yourself the GBAS GBOS lol!

You need to be calming down and read o...they both said totally different things...what Oga Lexus meant was nurses can do SET Shift...in other words, you can choose to do only night shifts, only afternoon shifts or only morning shifts without having to do variable shifts that might disturb your daily schedule as regards childcare...

pyha:
Hello and Good morning all!

I am a dual citizen (Nigeria and EU). I plan to move to the Uk in a matter of weeks (3 weeks top). I have never been to the Uk but I have applied for a few jobs, I don't know how they will turn out but I am hopeful. I need a lot of advice from you all. I have two degrees from Europe (A B.B.A. and an MSc (Service Innovation and Management). I want to settle in as quickly as possible.

Here are my questions:
1. Where can I find affordable housing? Since I don't have a job at the moment my budget is roughly 400 pounds a month.

2. What is the advice on jobs? I can work immediately since I am an EU citizen. Where do I apply for jobs (entry level at this point) or get a job that might not need qualifications but can allow me earn well in the short term.

3. What do I need to know or do to settle in to the Uk as efficiently as possible? E.g. phone contracts, NHS, etc.

These are some of the questions I have for now. Looking forward to reading your answers.

Thanks a lot!

P.S. I need all the assistance I can get.

Well, dont know where to start here...

1. Affordable housing is a relative term, a place like hull is affordable but you might not get jobs if you are not in the health sector...so it really depends on you and what you are looking for....since you are open to any town, a place like Manchester or Birmingham wont be bad, mainly because they are big Cities so you can always find fast,unskilled work to hold body...

2. Advice on jobs, anything you think your skill set can handle...fast jobs? Well seasonal jobs are coming up so do check out amazon or just go through the job sites like Indeed.com or better yet google a job agency in any city you prefer and register with them or even give them a call

3. To settle you need a bank account, a home, some survival funds, phone number (you can get any off the counter prepaid sims) and lots of faith

4. You have to make a plan too...know why you want to move to the uk, what your aims are. What is your goal?...break down your goal into small achievable steps... and work toward each one...

Having a realistic outlook on your goals and ambitions will help you make the right choices as you go along

erico2k2:
yes this is true but you know, not everything you could explain on line some things need one on one mentoring,, see this little statment I made people want me to xplain on line

Explain o,me sef dey wait the explanation