₦airaland Forum

solveabode:
Good day to you all.
Please I need an urgent response.
Our completion date is December 3rd but interest rate gas gone down since I got tje mortgate offer.
I asked my broker about the going rate, this was her response:
"it may be too close to the date of completion to change this over".

I'm yet to reply her cos I felt if the rate was high, the lender would find it easy to change it.
Please I need your advice.

Our rate was changed the same day our broker applied. It was on a Monday or Tuesday and completion was due for Friday (didn't go though that day but for different reasons).

Solumtoya:
Wrong thread

Ah yes. My mistake. 👍🏿

Another banger from Badenoch - https://www.dailymail.co.uk/news/article-14133089/Our-country-sustain-numbers-seen-Kemi-Badenoch-vows-annual-cap-immigration-admits-Tories-failed-curb-inflows-predicts-new-figures-tomorrow-lower.html

Lots of 'fresh' ideas and tough talk. You'd almost think that she's an activist campaigner who has never held a political office before.

Another banger from Badenoch - https://www.dailymail.co.uk/news/article-14133089/Our-country-sustain-numbers-seen-Kemi-Badenoch-vows-annual-cap-immigration-admits-Tories-failed-curb-inflows-predicts-new-figures-tomorrow-lower.html

Lots of 'fresh' ideas and tough talk. You'd almost think that she's an activist campaigner who has never held a political office before.

ehizario2012:
Are you religious please? The world is moving away from capital punishment but moving towards assisted dying... It's the same principle - killing.

If you're religious and your religion forbids it then don't go for it. Simple.

Why burden and restrict others based on what your religion allows or doesn't allow?

By the way, I also strongly support capital punishment and generally much harsher punishment for criminals (although I would amend the threshold to make the standard of proof higher for capital punishment). I think it's a travesty that people can take the lives of other people violently and still get to live their lives and maybe even be released back into society at some point.

Zahra29:
Point is, it is possible to reduce net migration if the political will and levers are there. Most western countries don't want to reduce it to zero levels, but as can be clearly seen by the policies being introduced by UK, Canada, Australia and others, they certainly want to control it, and there is absolutely nothing wrong with that.

Not to hold brief for anyone but it's important to clarify (because you've said this multiple times) - The point has never been that there's anything wrong with the UK or any other country wanting to control immigration.

The point Goke7 in particular is making; as I understand it, is that the UK needs immigration and that's clearly shown in how the government has not taken the many steps open to it to stop immigration if it really wanted to, and instead chose to attack immigrants and make them political scapegoats for everything going wrong in the country.

Even for people who are arguing for more immigration, I don't see how that equates to them saying it's wrong for other people to want less immigration.

If the UK wants to stop immigration or reverse it, they should go ahead. Sebi it's bum-washing the immigrants are here to do anyway.

babajeje123:
Hey people, pls how do I shop for building and content insurance quickly? My financial advisor recommended one but they are dragging in booking a suitable appointment for me. I need this done as we exchanging contract next week.

Go in comparethemarket and do it there. Put in your details and you'll get quotes. Select one and go sign up. Won't take you 10 minutes.

There's absolutely zero value in using a broker for that IMO.

Solumtoya:
Fair point but I'd explain further.

These statistics are quite skewed because of outliers like London. Currently, in my area, New builds are more expensive but definitely not by the margins often protrayed like in the article.

For instance, a new build 3 bed in my area is about 300k while a decent similar old build is about 280k or more. Now the New Build buyer needs to raise £15k while the old build buyer needs to raise £28k. That extra £13k can make most people never achieve home ownership. (To be really honest, new builds are cheaper where I live, but I think that might be due to smaller plots or cheaper build quality)

Now for the poster's case, even if he gets a cheaper £320k ish old build, the £380k new build still has alower deposit of £19k as opposed to the £32k he would have had to raise for an older house and topically the margin might be higher than this my £13k assumption.

My point is the £19k incentive is actually a big deal.

Now, in the long term, both houses should normalise at about similar prices so if he's not selling in the near future, he should be fine.

The downside on pricing is the Monthly payment. The New build will still pay a little higher.

As for Warranty, no amount of survey would shield you from potential surprises in 2 years. Developers would literally paint your house when you stain it while packing. They would unblock your drain, change faulty fridges, etc. That Warranty means a lot. And I don't get any hassles on my Warranty, they actually call me every few months to ask if there are any Complaints and if I state any, they show up immediately and get it sorted

Fair enough. Those are very good points and I agree for the most part.

That part about new builds being smaller particularly rings true for me. That's the biggest issue I have with them.

Solumtoya:
Forfeit a £19,000 incentive and go for a 5-year old house just because the builder doesn't want to do a £3k flooring? I understand the hassle of a few weeks of setting up a brand new house but people seem to undermine the financial relief the incentives can give a buyer, not to mention the peace of mind that comes with the builder's 2-year warranty

Most new builds are massively overpriced in the first instance so the 19k incentive is not quite as big a deal as it kght seem. House value will likely drop right after purchase and take some time to recover. https://www.thisismoney.co.uk/money/mortgageshome/article-13271345/New-build-house-prices-boomed-17-year-older-homes-stayed-flat-map-shows-price-gap-area.html

Warranty is good but that's what a survey and multiple viewings are for. Plus the warranties also come with a lot of hassle many times.

PrettyPacy, there are solicitors who promise competition within speficic timelines and give you a refund if they don't meet it. Our sellers used one that promised 5 weeks and even though they didn't meet it (eventually took 8 or so due to an error on their part which is why I don't trust them and wouldn't recommend them specifically) but it was clear that the financial incentive made them work faster.

elengine:
Interior painting, the 3 bathrooms all have shower glass but the walls are peeling off which means water has penetrated. So I need to screed and paint. The master room on the second floor doesn't have a door and I want to introduce a door so kids don't just step into the room from the staircase. Make them no dey see action when madam come upstairs for quickie. Lol

In all, it is just to touch all the minor repairs. The house is clean and not old. It was built in 2004 and is well maintained

Banks will advance you a mortgage for the purchase, but you will need to get a separate loan for renovations.

The things you’ve described don’t seem like they’ll be huge costs as they are mostly decorating stuff and not structural, so another option you can explore is to get a long-term 0% purchase or balance transfer card, then use that to buy materials and pay the tradespeople directly for labour.

It will always amaze me how people look at this person and see anything but a grifter who will say anything she needs to and throw anyone under the bus that she can to advance herself.

Zahra29:
This 2020 article caveats that there was no up to date NHS data at the time of writing, and so they have relied on a self-reported survey/market research for their study.

Do you have newer stats/reports? Anything at all, other than anecdotes?

Demographic patterns are unlikely to have changed during the period. The factors influencing the trend (primarily the age of the immigrants) hasn’t changed and if anything, with the recent changes, it’ll likely trend toward increasingly younger people with no spouses/family.

jedisco:
You do have a habit of tying your self in knots by saying things that come back to bite you.

You do realise I'm a GP and at least I can appreciate the demography of the people I see.
For my first 2 years in this country, despite spending over 40hrs weekly working in the NHS, I was not registered at a practice. In over 5 years I've been here, I've never been to see my GP. Among Nigerian immigrants, my usuage of health services is not an exception as many of us grew up in a different health system and are inclined to use services less.

In my locality, the population of Nigerians has risen significantly over the last 3yrs. Some of us have our parents visit and i see them socially in the community. If their parents were routinely going on to register at a GP or even contacting NHS 111 regularly, I'd be about the first to know.

https://www.health.org.uk/news-and-comment/blogs/international-migrants-use-nhs-services-less-frequently-than-non-migrants

The stats support this:

"In our analysis we found, on average, health care utilisation among migrants to the UK is up to 40% lower than utilisation among the UK-born population. This was true for six out of seven health care services (inpatient, outpatient, primary care, physiotherapy, mental health services and dental care)."

Goodenoch:
Funny thing though is that she has the best odds of winning. If I were a betting man I'd be betting on her to be the next leader but never actually become the prime minister. The conservative establishment know it would be great to have her be the mouthpiece of al the Farage-esque things they'd like to say to appeal to the Reform/Right-wing conservative crowd but can't, whereas she can do so freely (for obvious reasons) and is clearly willing to do so nonstop. It doesn't really matter anyway because they don't have a shot of actually winning the next election and likely the one after that. By the time there's a reasonable chance of them winning an election, she'll have been replaced as party leader by someone much more palatable to the base.

My prediction from a while ago.

We'll see how the rest plays out.

Zahra29:
Erm, it's black people who call black people crabs in a barrel. It's not a racist slur. The metaphor was first used by a former slave turned civil rights leader.

Free speech is fine, just make sure that it's accurate (not baseless allegations because you don't like an individual) and you stand by it and the consequences. Butler shouldn't have deleted her repost if she fully agreed with its content. Own it with your chest.

1 - Doesn't matter who first used it and I'm pretty sure the person who used it first would have been referring to specific kinds of people within the black community, not in the generalizing way you did.

2 - There were no allegations. She expressed her opinion of what Badenoch's victory (and her personality in general) represents. She didn't accuse her of anything. Or does 'allegations' have another meaning nowadays?

3 - Her deleting the posts is irrelevant. She could have done it for a variety of reasons. It's likely an unfortunate result of her free speech being stifled (risk of censure by the Labour Party) - the same kind of 'censorship' Badenoch loves to rail against. Either way, it's irrelevant to the point that it's illogical to say that Dawn Butler's comments about Badenoch 'is why black people are called crabs in a barrel.'

Zahra29:
This is why black people are referred to as crabs in a barrel.

Just like you, the journalist might not like Kemi but she could at least respect her achievements - even white people recognise it as a smashed glass ceiling.

Fortunately it appears that this journalist and Butler are in the minority.

The bolded is absurd. That is not why black people are referred to as crabs in a barrel - it's a racist trope founded in prejudice and nothing else.

Many white people don't support other white people even when they reach new heights in their careers, so would you say that's a basis for white people to be called crabs in a barrel?

On the comments themselves, I'm not sure what the noise is about, to be honest.

Butler said Kemi is white supremacy in blackface, and that her victory is a victory for racism?

So what? Or is there some context I'm missing, please?

It's an insult and it'll likely offend Badenoch but again, so what? It's definitely not hate speech and it's not calling for violence against her or anything of the sort.

Isn't free speech the ultimate virtue anymore? I refer you to Badenoch's own article about the subject which makes it clear she's in support of free speech even if it offends some people -https://www.kemibadenoch.org.uk/sites/www.kemibadenoch.org.uk/files/2024-01/Freeish-Speech.pdf.

Also, I'd remind you that when Frank Hester said the sight of a fellow black woman MP (who smashed multiple glass ceilings throughout her career and paved the way for people iike Badenoch) made him want to hate all black women, Badenoch said she recognized it as racism but dismissed it as trivia' - https://www.independent.co.uk/news/uk/politics/kemi-badenoch-frank-hester-racism-comments-b2514323.html.

Have you heard? "Britain's former colonies should be thanking Britain for the legacy of empire..." - Robert Jenrick

https://www.dailymail.co.uk/news/article-14012887/Robert-Jenrick-says-Britains-former-colonies-THANKING-legacy-Empire-not-demanding-slavery-reparations.html

Zahra29:
I'm not triggered..

Should be food for thought for those who seem to think that migration (legal and 'illegal') started with Africans seeking a better life, or that it is somehow shameful to be an economic migrant (it always amuses me when people use this as a diss).

I[b] responded to your comment above where you used the phrase economic migrants when the article you posted makes reference to undocumented migration akin to the boat crossings the UK and Europe is experiencing. That appears to conflate the two.[/b]

I agree with the bolded. Afterall it's common knowledge how modern day America was founded.

Read the article, not just the excerpt. It wasn't just about undocumented migrants.

There was a separate section about economic migration and how it's a neccessity. That's why the sentence you quoted was split into two separate parts for the two separate points I was making.

Zahra29:
I'm not sure that people who pay attention to global news would have the view that migration (legal or illegal )consists of only Africans. Every country/continent has their own profile of immigrants/refugees based on logistics and other factors. For example, refugees to the US are predominantly from South America and China. South Africa has undocumented migrants predominantly from Zimbabwe, Malawi and so on.

You're also conflating economic migration with undocumented migration, although I would hope that you appreciate the difference. While there is nothing shameful about being fleeing one's country to seek a better life elsewhere, (and richer/safer countries have a moral duty to provide succour to those fleeing hardship where possible) you can't blame the target countries for being skittish about hundreds, thousands even, of people arriving on their shores daily - without being vetted and the concern that not all these people would have honest intentions or backgrounds. Not to mention that many of these people fall prey to unscrupulous smuggling gangs that exploit them and expose them to grave danger. E.g the 39 Vietnamese citizens that were found dead a few years ago in a lorry that was smuggling them into Britain.

The ideal solution would be for people to seek legal entry or humanitarian protection via the front door, but this also poses challenges because there are not enough safe routes especially in the regions that are the most volatile (some might argue that this is for obvious reasons).

There are no easy answers.

1. I did not conflate anything. I specifically separated legal and "illegal" migration since the issues around each are separate.

2. Re migration trends: This is the UK (to quote you) and the people who are always vilifying immigrants are typically referring to African and more generally 'non-white' people when they're talking about the "harms and dangers" of immigration. It's why an immigrant mother from France or so was ignored by a mob during the recent riots but her mixed-race daughter born to a UK "black" citizen was assaulted. I've expressed my views as to why that is here and I know your "underlying causes" belief as well. Agree to disagree.

3. The rest of what you said is a strawman - You're responding to points I never made. E.g. I didn't blame citizens of anywhere about being skittish about anything, nor that legal entry is not the ideal route etc.

My simple point was that it's an interesting article and that even Europeans have a history of immigration in search of better lives. I didnt expect anyone would find that fact triggering.

https://www.theguardian.com/commentisfree/2024/oct/25/spain-immigration-prime-minister-pedro-sanchez

This is a very interesting article. Excerpt below:

'The Spanish prime minister, Pedro Sánchez, recently read in parliament a newspaper article from Venezuela about a battered boat that had just arrived on the coast of the South American country with 106 migrants onboard. “The undocumented migrants arrested, among them 10 women and a four-year-old girl, were in terrible condition. The 19-metre boat’s hold emitted an insufferable odour,” he quoted the article as saying.

“This news story could have been published last week, and the migrants could have been Nigerian, Senegalese or Moroccan,” said Sánchez. “In reality, it appeared in a Venezuelan daily on 25 May 1949, and its protagonists were Spaniards, 106 of the 120,000 who crossed [the Atlantic] between 1945 and 1978 to escape misery and Franco’s dictatorship.'

Should be food for thought for those who seem to think that migration (legal and 'illegal') started with Africans seeking a better life, or that it is somehow shameful to be an economic migrant (it always amuses me when people use this as a diss).

Very good budget. Not perfect (what is?) but solid nonetheless, especially given that the OBR effectively said the con-servatives misled them on the state of the finances before they were booted out.

Those determined to moan about anything Labour does will moan but it's clear that it's a huge improvement and puts the country on a much better path.

Estroller:
Congratulations

Thank you very much!

Ticha:
Congratulations 😍🥳💥💯
This is very awesome news! Wishing you many happy years of memories there!

PS - the house buying process here is bonkers and archaic! Not sure why England and Wales have not followed in Scotland's footsteps

Thank you very much!

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.

LionInZion:
Add the Capital One CC to your PayPal. Then check the option for 'Direct to bank', and follow the instructions. Keep in mind that PayPal charges and Capital One funds transfer charges apply, and your credit score may also suffer a dip.

I don’t know for sure as I’ve never done this before but won’t this count as a cash advance on the card and incur very high interest (from the day of the transfer) as a result?

I might be mistaken ṣá. Just thought to flag it so the person is not shocked by the interest charges if that's the case.

Ogonsbaba:
Please, can LISA be used to buy an old build or ran down house that need refurbishing??

Yes. The only condition is that it’s your first house.

The bigger thing to watch out for with a run down house is if you can get a lender to give you a mortgage (assuming you need a mortgage).

ReesheesuKnack:
..and yet if you read some Nairaland threads long enough, all you hear is how hostile and racist and ‘anti-migrant’ the out-gone govt was.

The unbundling of the Tier-2 and subsequent creation of the Health & Care visa by the Conservative Government had a lot of Winners from Nigeria. I’m not sure ANY UK government in the last 50 years have opened the door that wide for Nigerian immigrants.

#FactsOnly

Let me try to break this down:

They didn’t open the door wide for Nigerian immigrants.

They opened the door wide for people who could do the roles that were urgently required in the country and that there was a shortage of people willing and able to do.

It wasn’t a humanitarian gesture. It was a self-interested one to support the country’s care sector and economy.

The fact that many Nigerians were able to migrate as a result does not make it a charitable gesture extended to them, just like an employer opening up thousands of roles to applicants is a function of the business’ need and not a charitable gesture to would-be employees.

Just as in the above scenario, that large business employing thousands of people doesn’t mean that they couldn’t be abusive to those employees, it’s similarly illogical to say that just because many immigrants moved to the UK, it disproves the fact that the government was in many ways racist and anti migrant.

Anyone interested in Badenoch's opinion pieces can find them here: https://www.kemibadenoch.org.uk/news

You might find this article she wrote about maternity pay in 2019 interesting, especially in contrast with her recent comments https://www.kemibadenoch.org.uk/news/we-mps-who-are-mothers-are-well-looked-after-0

It should make it clear that when we say she lacks principles and morality, it's neither hate nor 'strong dislike' but just the same sort of blunt facts she loves to portray her own comments as.

Zahra29:
She's obviously proud of being Nigerian as she frequently refers to her background,

Not logical. Frequent reference does not equate pride. I have read a fair few of her articles and listened to her speeches - her references to Nigeria typically follow the same pattern - a prelude to saying something about how bad or dangerous immigrants/immigration are/can be.

You've said you don't follow her speeches so it's understandable but in all the ones you've seen quoted, have you ever seen her say something that was positive (or even just neutral and not derogatory) about Nigeria?

If not, where did you get the notion of pride from?

What you're doing with the cherrypicking of comments that no one objected to while ignoring the ones that people have actually complained about is peak gaslighting. I don't know you so it woudn't be fair to say that that it's deliberate but that's defiinitely what it is.

Cyberknight:
I believe she meant Warsi.

https://en.wikipedia.org/wiki/Sayeeda_Warsi,_Baroness_Warsi

Yes. Incidentally, she resigned over the Frank Hester comments and the party's inaction on them - exactly the same things that Badenoch described as 'trivial'.

Goes to show very clearly that beyond the attainment of high office, having principles (or lacking them as in Badenoch's case) is a completely separate thing.

lavida001:
Glad the tyrant in you is coming out clear as day light. Talking about we don’t want to hear it. I have freedom of speech and I can say tf I want. You go dey alright.

Given your crass response, I don't expect this will change anything but I'll still point out that it's not tyranny to tell you that talking adolescent nonsense doesn't reflect well on you or other people on this thread.