Resurgent2016:


Notify the seller of the issue and ask for a reduction in selling price to allow you remediate it

profemebee:
the mortgage's provider survey isn't deep though

for your own peace of mind, please get a survey done oo.. even if it is Level 2

Lexusgs430:



New build or old build........

shaybebaby:


Yes you should do your own survey.

Banks generally do a desktop survey ( and do not actually visit the property), largely to satisfy themselves that the value of the property is worth the loan secured against it.

You need your survey to check the general condition of the house, make sure there are no nasty surprises hiding away. Sellers have been known to decorate just before sale to hide obvious ( and some not so obvious signs) of disrepair.

You want to make sure that any faults discovered reflected in the agreed price, or that they agree to fix at their own expense before you exchange.

Once exchanged, you can't back out without material penalty. So you don't want to be in a position where you find out things needed fixing that you weren't aware of before purchase.

After completion, it is a case of buyer beware. You will have no recourse.

Oh, and don't forget to have your home insurance in place, cover to start from date of exchange.

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.

rollykotex:
Hi everyone, it’s really been a while I posted. Though i read the posts and all. I am excited to share the news that we just bought a HOUSE. Asiinnnnnnn Home owner in the United Kingdom. It’s a dream come through and I’m super excited we’re living our best lives.
We moved to the UK in October 2021, I was the student with my husband and two kids as my dependents. We were determined and prepared for the worst that comes with relocation but as God would have it, it wasn’t as bad as we thought. I didn’t work in our first year as I had to take care of the kids and school. My husband alone foot all the bills and paid my school fees. I got a job immediately after school in October 2022, it was without sponsorship so my husband got the HCA sponsorship. We planned to save at least £2,000 a month in the beginning of January 2023 towards getting our own house and we were able to save that and more. By December 2023, we already had enough money for deposit. The whole housing process started on the 4th of January 2024 and here we are today, we got the key last week.
I’m glad we are in a country where you can have both short and long term plan and it will materialise, where we don’t need to have godfathers or know anyone to succeed and where hard work is heavily rewarded.
I am so proud of myself and my husband for the effort we have put in to see this materialise and super grateful to God that gives all beautiful things.
In case you may want to ask, we live in Wales, Swansea to be precise, we bought a three bedroom semidetached, 2 toilet and a bath, beautiful garden, the total cost is 26,750 which include 10% deposit, level3 survey, legal, search. Financed by Barclays.
We didn’t use a mortgage advisor, my husband and I got the lender ourselves. We read and did so many research and it saved us about £800 for mortgage advisor.
Our house is EpC B, council tax band B no ground rent and it’s freehold. We wanted a low cost maintenance and we got it. Our survey result was excellent and the house is super gorgeous . We did a 20 year mortgage plan our repayment is a little above £1,000 which include our house insurance cost and income protection cost as well.
Thank you for reading my long post.

Pearlyfaze:


Most Mortgage advisor I have spoken to said this same thing. If we want 10% deposit, we either have £100k combined family income or wait till we are 2 years old in the UK. Alternatively bring the 25%.

We went for viewing today. We like the house and the area. Waiting for the outcome of the discussion between Advisor and lender.

Fingers crossed.

Healhtyliving:
No Barclays

Lexusgs430:


Who will borrow you £20 000 in uk.
Some lenders used to offer bolt on loan facility(back in the days)..........

Look at other ways to seek the 25%....... When a will exists...... A way is always available.......

Lexusgs430:



I feel a temporary setback in equity....... Is still much better than paying your landlord's mortgage (on the long run).......😁

Urheadmaster:



Only 16


All of the INEC officials deserve no tomorrow including Mahmood Yakubu

dustmalik:
OP, we dash LP all the APC votes in Rivers and Lagos, LP still won't catch up. So what's the point?

Obi could never have won this election, no matter how you look at it. Take a second look at his numbers in the core north, he did very poorly.

Obi will be wasting his time and money going to court.

Fut9ure:

Inec is useless
I'm from Edo state..Tinubu will never become the president
Tinubu didn't get 25 percent from Edo, rivers, lagos, Benue, akwa ibom and so many other states
Inec think we are fools

Every sane Nigeria should look at this and read a meaning to it
1) Tinubu political party and administration is ruling but he was unable to win Abuja where them sit down put
2) his own state of origin osun. Even a twelve year old will win thier own state yet he was unable to win

3) all development in lagos is attributed to Tinubu and he is regarded as the father of lagos yet he was unable to win

Nigerians should put on thier conscience and see that tinubu was rejected completely by Nigerians

If you can't handover your daughter or sister to a man who is old and sick with dementia, who is not mentally and physically strong. Someone not aware of his environment

But you supported the same man to head over 220 million Nigerians at this critical time of our nation suitation then may you and your children know no peace

Oddfinder012:
I can Never understand these people

Fut9ure:
Tinubu will never be our president

South west got no reason to claim anymore that they are the most educated...this election open their yansh well.

The four major contestants were from the three major tribe
So it means we the South South are the one to choose the most suitable for Nigeria without biased
And we did. We choose obi but due to tribalism the South west refused and supported a man who is sick mentally and physically...national anthem was going on he wasn't Aware

If you can't handover your daughter or sister for Marriage to a sick old man with dementia not physically and mentally fit. Some one not aware of his environment but still you want to support same man to head 220 million Nigeria at this point of our critical situation then may you and your family know no peace


If you are emotionally attached to your tribe, religion and political leaning to the point that the truth and justice becomes secondary consideration then your education is useless, your exposure is useless. If you cannot reason beyond petty sentiments. You are liability to man kind

sirchim:
If Obi can't have it, then let Atiku have it, to show BAT isn't smart at his age. Instead make POWER remain North.

risingstar2022:
Hello beautiful friends and family:

Please does a partner of a skill Worker Visa needs police report in her application.

This is urgent. Thank you for your prompt response.

Brainpower365:
Hello friends,
Good morning, please I need an urgent advise from you. I am currently in UK under the healthcare visa and my cos certified maintenance for me and my dependant if applicable. I am less than a month here and I want to apply for my wife and son to join me. Please would I still show proof of funds even when my cos certified maintenance since we are applying different time. Thanks

Ewoma45:

Please can you help me with the documents you submitted. I need to do one for my mum.

Thank you



I have come to testify that DIY actually works o. I initially wanted to use an agent I was referred. Infact I was at the point of payment to her when I check and saw this thread. My dear NLers, I eventually paid online on the 5th of January, 2022 and took the advise of somepeople here to go even before the appointment date. I went back to the Ikoyi passport office on the 7th of January and used strong head to ensure that I submit my documents and capture that day. At the pont of capturing, I saw on the monitor facing me that my collection date was 12th of January, 2022. Come and see me smiling na.

I went back there on the 12th with the paper given after capturing and was told that my file wasn't submitted. Chai, I wan cry. I was directed back to servicom and took my file to the capturing room and they did some confirmation and I was told that it was okay. I went home but a few days after I started engaging NIS on twitter after the ban was lifted, they eventually responded to me yesterday, saying my passport was ready.

I just collected my passport a few minutes ago and it was actually issued on the 13th of January, 2022. I never believed that getting a passport would be this quick without any bribe or mago mago.

In all, I spent just N26,500 for 32 pages.

Passport fee: N25,000
Paystack processing fee: N1,000
Notary public seal: 500 ( This was done at the mobile court inside the passport office)

My dear people, please and please, do this thing yourself. Let's all play our role in eradicating the deep-rooted corruption prevalent in our government parastatals.