₦airaland Forum

Globalshaper:
“Irish twins”

Cyberknight:
Just so you know, the term you used to describe the children's age gap is considered derogatory.

1. I think you can get a fit to fly letter at 32 weeks and up to 35 weeks or so. You need to check with the airline she'll use as their policies may differ.
2. You can travel with a 1 month old baby. Yes, the baby needs to have a passport.

Good luck to you both. A family member had children 15 months apart (in Lagos, both holding down jobs, family not present) and we all ultimately had to pitch in with what became a small-scale community project to get them over the hump.

AlphaUno:
Any one knows the UK mortgage thread on NL ?

Adewumi2888:
I came to the country 2021. I am on spousal visa 5 years route. Just asking if I still have to wait one year to get apply for British citizenship after ILR? My spouse in now Citizen, but wasn’t a citizen when I first applied to enter.

Adewumi2888:
Good day everyone. So I came to UK when my spouse was still on ILR. Now my spouse has British Citizenship. Does the 1 year waiting time applied to me or not ?

Fraih:
Hi all,
Pls when applying for any visa with a dependant, can the dependant submit his/her application few days later?

rock86:
Hello guys, why is PAYE not deducted from my pay for the past months? Should I be worried?

JustAPasserBy:
British citizenship after 4 years?
ILR was done after 3 years.
12 months later, is that individual eligible to apply for citizenship?

elengine:
For those that locked in 2.8% 5 year mortgage in 2020. How are they going to face reality in 2025? Just thinking over this for knowledge sake. Have you all got your shock absorber

igbsam:
For someone like me that have been in the uk for over a year and just planning to drive. Can i still use my Nigerian license for awhile, while i await to write my practical driving test next year. The closest date i found is April.

Goodenoch:
So, we picked up our new (to us) house keys yesterday.

Offer to completion took just shy of 7 months, but it really could and should have been much shorter, maybe even just a couple of months. Sellers' first lawyers were just unresponsive and then the new ones they got four months in missed something crucial that made us have to go back to the land registry a day before our original target completion date, and then spend an additional three weeks sorting it out till we exchanged and completed yesterday (same day).

I've said all the above to plead with you to please in the name of God don't go for the cheapest lawyers you find online because you want to save a few hundred quid. If you do you might end up with an online-only, call center-esque law firm like our sellers' one.

Another issue was the AML checks we had to do for our broker. We had to submit close to two years' worth of statements from multiple bank and investment accounts and it was extremely frustrating, albeit understandable in the circumstances.

Other than those, it was all good and we're really stoked to get started doing up the house. We only viewed three houses because we had very specific requirements (particularly a spare ground floor room that'd function as a home gym). We were initially tempted by one 1930s house but after meeting the owners on the second viewing we realized there were many issues the agents had glossed over. The owner literally told us "I haven't done a lot of maintenance I should have because I don't have the money." We ran away as fast our legs would carry us.

Second one was good but on the small side, had an awkward multi-level garden and most crucially was in a very inconvenient location.

The one we went for was perfect in all respects - very large main house and with a garage + home office extension. Also, madam fell in love with it as soon as she saw the large garden and excercised her veto power - even though it'll be me mowing the lawn but wetin man go do?

Thanks to everyone here, particularly madam Ticha for all the guidance here and directly, and to the person who first posted about it being possible to get a mortgage without having spent 2 years in the country.

elengine:
Dilemma pls help;

Option A- a new build with deposit unlock and 1040 GBP monthly payment. The ish is my wife and children do not like the area.

Option B- same size of the house. No deposit unlock and I don't have 10% contribution. I have a mortgage at 95% but the interest rate is over the roof. Monthly payment of 1500 GBP fixed for 5 years. My family likes the area and we don't need to relocate school. If I have 10% I would pay 1200 GBP monthly. Nice location and it comes with solar panel. The price of the house is more than the above.

Option C- If I don't buy now, I may not see the opportunity to own house in that area. In the end, I may be paying rent of 1250 to 1300 monthly starting from next year. Advice please

Estroller:
Update!

Application for renewal was submitted with my expired passport (I added my appointment slip as evidence of renewal with a note about the delay in getting appointment dates). Decision was made in about 2 weeks and it was successful.

moshuur:
Hello....I have capital 1 Credit card

I wan comot 200 pounds from the credit card straight to my bank account.

Pls how can I go about this?

oluwaleokey:
Just a bit curious.... how does enrolling for overdraft facility helps with credit building? Must you utilise the overdraft when you subscribe?

I think it's the other way round... utilising overdraft indicates you are struggling financially... I stand to be corrected... can you please explain
Many thanks

UrFears:
Thanks boss, I’m on the electoral roll already, though it was when I was at my old address

UrFears:
Hi seniors,

So I successfully created a classic account with Lloyds. I used the credit score feature on the app and apparently I don’t have any. I think the issue is from my address.

We recently moved to a new place in June and I’ve updated my address in that effect in most places (school, work,Revolut acc), but my I haven’t changed the address with the electoral register..

I’ll appreciate any guidance to start building one🙏🙏

I plan to move my salary account from Revolut to Lloyds, I don’t earn much as a student, but I can save £300 monthly for now after bills..

My major bills include rent contribution, which I pay directly to my sis acc, then transport, groceries and data subscription (I use lebara), I’m think of doing their 12 months contract @ 22.50/month for unlimited data, since they run on vodaphone network and it cheaper than vodaphone plan… I use the data for my phone and PC, since we don’t have a WiFi at our new house.

I’d appreciate every advice 🙏

@Estroller, @Lexusgs430, @kwakudtraveller, @Viruses, @everyone

Stevepop:
Hi everyone, can we apply for funded childcare hours for our 2 year old even if it’s just one parent that has ILR. My partner is yet to qualify for ILR as she’s yet to clock 5 years in the UK or both parent need to have access to public fund before we can qualify? TIA

meowvinn:
Hello please can anyone explain this cashback thing to me like I’m 5 years old pls. A lot of things still confuse me in this uk. Halifax offers me some cash back but I used to hesitate taking it cos I was thinking there must be some charge attached to it.

profemebee:
thanks for the example.. very helpful.. i need to research on savings account with better rates.. and hopefully not taxable .. like ISAs

UrFears:
Good morning Seniors, please i need some advice

Currently, I only have one bank account, which is Revolut, it is also the account I use to receive my salary and make any expenses, I don't have their physical card yet, I only use the digital card.

(1). I want to open a new account majorly for savings, and maybe building my credit score. Which bank would you suggest I open an account with.

(2). Is it okay to continue using Revolut as my main/salary account, or after opening the new acc, I should use it as my main account.

(3). I'm looking to buy a new iPhone (or refurbished), where is the best place to get a good deal/price.

Thanks bosses

Zahra29:
One of the students in the article said he had the full funds for his course in his savings but the value was depleted by the currency crisis.

I'm curious, if this was the case and knowing how volatile the naira has been, wouldn't they have transferred the funds into pounds at the earliest opportunity to protect its value? Or is that not possible?

profemebee:
i will be lying if i said i understood this lol

pls can you explain with an example (even if it is with dummy data)

thanks.

Santa2:
Completed on Friday, I don collect Key.

The guidance's received from this thread has been immeasurable. Started looking at properties last year April, we werent ready then, was just browsing to see what was available.

Late January we saw this property and decided to take the plunge, reserved in February and have been taking baby steps since as we werent in a hurry to complete, wanted completion to coincide with end of school term. Developers no gree for our pace.lol. We fixed with Barclays for 5 years at 4.55%, 10% deposit and 3/2-year residence in UK. Just before completion we checked if the rate had gone down but naaa, it was up to 4.83 or thereabout.

Its still surreal to me.

Thanks to every one that keeps spurring newbies like us on. I remember the rent money/dead money arguments on the other thread sometime ago. while some would take it as offensive others would see it as motivation. Na so life be. If I start to mention names for here we no go comot today, Lexus, Ticha, Lagosishome, Solumtoya, profemebee, Peerielass, Pearlyfaze, Estroller.. Na God go bless una. To Semmyk wey start this thread, thank for curating all those resources, you are special one, And I hope you doing great.

opeoyek:
Hi everyone

Do I have to do a survey for an old build?

elengine:
@house, is two years stay in the UK compulsory before one can access mortgage? Rent money is dead money😀 and I'm mot happy seeing my money going to one small boy every month. Now my rent will expire this weekend and the guy has sent me a mail that he want to increase rent by 100 quid

ToyosiR:
Hello All,

I just discussed with a Mortgage advisor and I am about to accept the mortgage in principle of 95% LTV. I have 5% deposit.

When will I need a solicitor? What other thing should I watch out for?

Kindly help a newbie.

@Lexusgs430: please I will also like to send you a mail or your contact if you wouldn't mind.

profemebee:
Signed sealed and delivered....

New build .. 12% deposit.. Barclays..

Thanks to everyoneeeeeeeeeeeee.. especially Lexus, Ticha, justwise, LagosismyHome, Deept, Estroller, Stevepop, Mohtunrahyor, Santa2, Zahra29, Solumtoya, Jedisco, Peerielass, bigtt76, newbie715, etc

I hope i didn't forget anyone...

Rent money isn't dead money tho....

Have a blessed day

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 🎉

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?

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