₦airaland Forum

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?

Lexusgs430:
Congratulations on this achievement........ We are already uncocking our bottles of shiraz + fried goat meat...... In celebrations with you...... 🎊🎉🤣

RENT MONEY IS INDEED DEAD MONEY....... If you can do it, anyone can ..... With hardwork, sacrifice and determination....... Anything is possible..... 😜

I go like see the love letters, wey una dey send to unaselves......... 😅😂

Pearlyfaze:
February ended with Keys in our Hands.

As we sit amidst boxes in the warm embrace of our very first home, our hearts are overflowing with gratitude. This moment, so monumental in our lives, was made possible not just by our dreams and efforts, but significantly by the support, guidance, and encouragement we received along the way.
We wanted to take a moment to express our sincerest thanks to you. Your insightful advice, mortgage advice, financial guidance, etc was invaluable to us. Your wisdom and experience shed light on paths we hadn't considered and smoothed out the bumps on the road to homeownership.
This home is more than just a structure of bricks and mortar to us; it represents a milestone, a canvas for our future memories, and a testament to the enduring spirit of support and community we've been lucky enough to experience. Every corner of it already echoes with the promise of future laughter, love, and the making of fond memories. And in every one of those moments, we'll remember the role you played in bringing this dream to fruition.
So, from the bottom of our hearts, thank you.

2years UK Resident.
Skilled Worker Visa.
New Build Home 3Bedroom
Developer: Gleeson
5% Deposit contribution
Kitchen and Bathroom upgrades and Free carpets
Lender: Barclays
Mortgage Tenor: 25years.
Deposit two years LISA Max out.
LTV 80%.

Juwon21:
My people,

Please any app that one can use in the UK to send money to USA bank account? I can't see USA on lemfi, I Will appreciate any other suggestions

labiola:
Thank you so much for your response.

I am really confused and really want to get this right. You said, surveyor should come before making an offer, but in my case, I have given an offer and I have not even engaged surveyor. Is it possible to get a surveyor report and still renegotiate the initial offer? I need more clarity on this!

Thank you once again for your time.

Teenuh:
Hello everyone.
Thank you for your constant updates and information on this page.

Please I would like to know if there’s any restrictions with adding an extra bathroom to a purchased home? So, I have been seeing nice and affordable 3 bed and 4bed houses but the wahala is the 1 bath that comes with it 😅. I was wondering if it is possible to buy this type of house and then have builders fix or create an extra bathroom in such houses? Is this allowed?

labiola:
Good afternoon all.

Thank you to everyone that have been sharing valuable information here.

Please, i just want you to guide me on the next line of action. I viewed a property and the owner is happy to accept my offer. I have already gotten a AIP from Natwest. Please, what is the next line of action as the agent asked me to submit our documents.

Estate agents usually do this to identify buyers that are truly ready. Your AIP should be enough proof that you are ready. Some also take it a bit further by asking for proof of deposit, not sure if you are required to oblige them this.

I know we talked about Mortgage advisor, Solicitor and Surveyor . At what point will each of this people come into the process.

Mortgage advisor>>Surveyor>>Solicitor.

I'll say a mortgage advisor is the first to contact once you've identified the property you are interested in. A good one is supposed to check the whole of the market for you to get a rate that is most competitive given your circumstances.

Next is the Surveyor, who carries out a survey and gives you a report that details the state of the property. Ideally, this should happen before you put in an offer, so you can put forward an offer that truly reflects the state of the property as detailed in the survey report.

Lastly, your solicitor, who will carry out the searches, do AML checks, interface with the seller, complete the actual purchase process and register your title with the land registry.

Thank you

Datakey:
Good day house. Abeg, who knows any unlimited sim contract I can use, and how much is it?

profemebee:
please explain oooo.. we need to learn..

profemebee:
hi hi, trust we are having a great journey in the UK

After exchanging contract, I hear completing takes 7-28 days on an average and might be quicker for new build which is my preference

1. How does one know what date to set as Completion date as one doesn't know how long it takes for Moneybox to send funds from customer's deposited funds to the Solicitor??

It is out of buyers' hands and don't know how quick it will be

This Completion date is key as I hear one must meet it to avoid penalties Or one needs to extend if the mortgage offer expires.

Pick a date and communicate same to your conveyancer. In picking the date, factor in when your rent and other bills in your present home is due, this is to eliminate (rarely happens) &/ reduce to the barest minimum the chances of you paying both rent and mortgage and other bill on both properties simultaneously. Your conveyancer will then liaise with the seller's (developer in your case) conveyancer and agree on a date that suits both parties.


2. Must a buyer move in immediately after completion for a new build?

No, and it is the same for old builds too. You move in when it is most convenient for you.

Preshila:
Thank you for the prompt response and congratulations. Hope you didn't wait too long.

Have submitted and waiting for a decision too.

Solumtoya:
I hear this a lot but how true is it? In case of many of the big Lenders, the interest rate is fixed and doesn't vary with credit score. The application is either denied or approved, interest rate is as stated on the lender's website.

Anyone else has similar experience?

ToyosiR:
Hi All,

To look for mortgage, What should your credit score look like?
Must you have a credit card?

Estroller:
How did they scale past the passport details section of the application please, because you can't continue with the application once you input an expired date, so how were they able to get around this please?

Preshila:
Please were you able to submit your visa application with the expired passport details? If yes, have you recieved a decision. I am in that quagmire now, and need to renew my visa, but no passport as NHC said they are still yet to produce mine.

ehizario2012:
Guys, do these switching affect credit score negatively?

Lexusgs430:
You forget say I get 2 pickins for university....... Money is very scarce now........ 😜💵

solveabode:
I thought you can't use the LISA to buy house if it's not up to a year?

igbsam:
Wahala wahala wahala....

Out with a couple of friends, one of the guys works as a health care assistant. Moved into the uk in 2022 as a dependant. Currently earns £1605 or thereabout as take home pay after tax. Due to child care, he couldn't work more hours, said this is the reason he's earning such doing his 40hrs a week and claimed he is comfortable as his wife earns almost same too being the main applicant sponsored.

The wahala there is that, another bobo that works in construction blatantly told him, that is not a decent pay despite him covering 40hrs shift a week. Na so kasala burst o! Clash of egos, ironically, both of them just entered same time. Construction oga said he earns above £2k after tax. Told them even £1500 after tax is a decent pay, but the arguements is now causing a scene. I don book uber leave them. Our new entrants should take it easy

What's your take on this £1600 a decent pay after tax or not ?

Noworries11:
This is confusing... I don tire with the contradicting information, I guess I just have to do it and rest biko before story story go enter.

Some persons here, babies born in the UK do not need to switch except of they intend to travel in and out UK, they can stay and enjoy the same benefits as the parents does until they turn 18.

I equally saw this on UK.gov website:

Children born in the UK
If you have a child while you’re in the UK, they do not automatically become a British citizen.

You must apply for your child’s dependant visa if you want to travel in and out of the UK with them.

The form you fill in depends on whether your child is inside or outside the UK. Your child must either:

apply online as your child inside the UK

apply online as your child outside the UK

You’ll need to provide a full UK birth certificate for each child, showing the names of both parents.

You must apply for their dependant visa before they turn 18 if they want to stay in the UK.

Moreso a parent/main applicant in the healthcare sector do not pay for ihs, how come according to your submission; that baby would pay for ihs?
Maka why?

profemebee:
hi hi,

Please can anyone list out some quality mortgage advisors?

I have one but the lady is a bit slow in responding and writing up an AIP.

Does AIP take time to develop? I have house viewing and i'm seriously looking at moving this year by God's special grace..

If mortgage advisor is dragging, what would solicitor then do?

I just need a list of alternatives so i can change mortgage advisor if she keeps dragging her feet.

Thanks.

bsafolabi:
Please what's the penalty for withdrawing before the 1st anniversary of the account?

Noworries11:
Elders... mumcy preparing to return back to naija aftet omugwo. ..
Just wish she can stay more however we will sure apply for 2years

Please I don run out of ideas,
Like this, we are planning on cheap articles to buy way mumcy go share as per obodo oyibo returnee.. people back home just dey call make she buy London Bridge while coming back

Biko elders, make una give me ideas... I don buy plenty chi chi sweet and some chocolates
For close family members, I intend to buy cheap discounted perfumes (where can buy this as we want to buy in bulk). Thinking towards selected items for primark as well

Please elders make una share ideas with me coz this people think say obodo oyibo nah money full am... I no gree for them

solveabode:
I currently have my LISA with money box. Is it possible to deposi 4k before April 6,2024, and deposit another 4k before April 30 and withdraw it for FTB?
Will I get the 2k bonus?

missoredipe:
This is the copy right? Is there supposed to be number in the top left corner for Nat Data Reg No?

missoredipe:
Good morning everyone, please do uk accept local government marriage certificate for visa application? I didn't get married in a federal registery and now that I am about to submit my spousal application I am reading conflicting views online. I am getting super stressed and worried!!!!

Ogonsbaba:
Hi, I'm I still eligible for the bonus £1000 in my Lifetime ISA if I fund my account with £4000 on 1st April, 2024?

And is there any maximum number of years one can fund Lifetime ISA account and still be eligible for the bonus £1000 as I intend to fund £4000 each year for 5 years?

Knowlegeseeking:
Guys please when registering on the electoral college, is there any downside of opting out of the open register?

wowdiva:
Hello elders in the house,

Please kindly advise how it can get a more affordable insurance for a car.

I just got a mercedes clk, the quotes I saw on compare is heartbreaking. They vary from £3000 to £2000 pounds. How can I get a reduced quote, I am a new driver.

Please kindly advise.

Jeff0983:
Hello guys, please I have only Nigeria international drivers license ( I don’t have the local driver license) so can I use only this international driver license to drive in UK for 1 year.

giselle237:
In the section where it asks for passport expiry date, I add a year after to scale through.
Then at the end of the form whee it asks for any additional comments or any space I find I write a short letter there explaining the date change in order to scale through and explain coherently to UKVI my current situation with renewing my passport in the country and I did not want to delay further with my visa application and risk becoming an overstayer. That I am making all conscious efforts to have a renewed passport but have to renew my visa so I do not become illegal. I also state that I would submit the new passport details as soon as I receive it vis a vis time frames of the Nigeria High Commission. The second time I added my passport payment receipts and form and told this in the cover letter.

giselle237:
I have renewed my visas + family x 2 without applying for Nigerian passport when it expired as High Commission gave me so much trouble . Home office allows this so that nobody can claim they overstayed because they did not have a valid passport to apply with. As long as you are a temporary migrant inside the UK with a Brp you will be allowed. Just state your personal circumstances on your application form and go through. Whenever you receive your home country’s passport, you update the Home office with its details by filling the update form online free of charge. This is what I did.
Don’t leave your child without a visa saying you were waiting for Nigerian passport or leave yourself without visa and/or overstay saying you were waiting for Nigerian passport.