₦airaland Forum

Go on the Barclays website and search mortgages then request for a call-back from a Financial Guide, you'd be able to have 1 option in that.

What part of the North East are you in?

teeebest:
Thank you Boss. We are in the North east hence the 126k.

That rate looks pretty high.

I'd advise that you ask the broker for a better rate or check onlther mortgage brokers.

Best of luck.

teeebest:
Mortgage Advice.

Hello Elders, we are on tier 4 presently. Our visas will expire next month. My wife and I both work with the NHS and we are expecting our COS any time soon. We clocked two years in the UK in February and we started viewing properties in our area.

We maxed out our savings with moneybox. We recently saw a property we love and started the process with a moneybox mortgage adviser. He sent us this qoute:
• The lender is Skipton Building Society
* The mortgage loan amount is £126,000
* The rate is fixed for 2 years @ 6.19%
* There is no lender arrangement fee to pay
* The mortgage term is 25 years
* The mortgage is on a repayment basis
* Your monthly mortgage repayments are £825.66

Is this reasonable or we should wait and switch our visa to Tier 2(probably this month end/early May) and retry if we can get a better offer/rate please?

Done.

Nice and concise.

If you can edit wouldn't you rather ask for region than town? Just thinking.

Also, your gender options may need to be expanded based on 'our location and gender climate'.

hermetic:
Greetings everyone, Please I need your help. I created an online survey to be used as an assignment (Market analysis) in my course. 10 questions, will take less than 5 minutes.

The deadline is before noon Monday week, I am aiming for at least 50 responses. Ejo, biko please come to my aid.


Here is is the link to the survey:

https://www.surveymonkey.com/r/WPZMHS3

Thanks!

If it’s not too much to ask, please like this post so I can have an idea of the number of responses I’m getting.

If you're not yet 40, you can also explore a LISA with the same MoneyBox.

acosfd:
Good morning my good people. Abeg what is the best way to save for mortgage deposit. Already opened Cash ISA with money box. Is it a good idea to just save in a current account (as I learnt inflation will eat it away) or there are better options. Plan is to save for one year.

Congratulations.

You dragged it but you still bagged it.

When you ask for direvtions and use a map, getting to your destination is more assured.

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

You're welcome.

The backlogs are being cleared.

I know of one that took 106 days.

Unfortunately, some employers weren't patient enough and jobs have been lost.

Your BRP should be delivered using express service.

Congrats again.

Gift7428:
@bigtt76
@laxxonebody


Checked my email this morning visa approved
Thanks

Thank you for your initiative and starting the thread in tge first place.

God Bless You!

fatima04:
Congratulations to hustla on your distinction and Msc completion. All the best with the job search.

@lexus seems you no pay tithe to the community oo and cost of living crisis no make people see road. Transfer of aggression just dey happen anyhow.

Please keep up the good work and banter. Most times I wonder how you do it being consistent on NL over the years.

Thank God I was here to read up sha before justwise comes to clean up and funny to read the irony from the statement/previous post of most of the accusers.

In other news, people who've had their visa decisions stuck with UKVI for about 4 months have started receiving decisions.

The Atlas system issue may have been fixed.

Mama gave Papa headbutt

Mamatukwas:
I’ve never really appreciated your coconut head until today. Thank God for it! Everyone will be alright las las.

Lol..but you can't live your life based largely on people's interpretation of your words or thouhhts nau.

Your post about graduating with a *Dinstinction* in Cybersecurity is a big motivation to me. It let's me know that my dream of going to a Russell institution is achievable.

If someone feels is showoff, their feelings/opinions are also valid, but with them and in their pocket.

Congrats once again make we focus on better things.

hustla:
Life.. Perspectives...interpretation... Often dependent on your ability to think critically or your general outlook

Some things you say can be used as motivation while others think you're insulting, showing off or degrading them.

While some people think you're a show off on LinkedIn, others use that as motivation.

While one says rent money is dead money so as to encourage you to get on the property ladder early and build equity, others think its bullying or showoff

In everything though, one does not brag about the work of one's hands to another with leprosy (loosely translated Yoruba proverb)

You'll be okay. Run along and come back in 3 months to kick up a storm.

Nairaland Quarterly Visitor.

Checkout the websites of Mental Health UK, Minding Your Head & Natural HR. If you can download Samsung Health there are fantastic resources to help you in the short-term also.

Stay safe.

gmacnoms:
Continue Dey lick old papa poo, you hear?
That’s if you yourself no be old papa wey no too wise.

I know your type

I had cause to meet the previous occupant of the house I'm renting and her prophecy has been fulfilled.

She said landlord would keep increasing rent every year and I even rented at a premium. I've had to haggle and settle at an uncomplimentary amount.

It is however extra motivation to convert my rent payments to equity payments.

Lexusgs430:
Absolutely...... I would continue my engagements, as at when I feel necessary......

I have the ability to read and ignore trolling posts .......😁😂

How rent money is dead money, means people should run faster than their shadows,..... Simply shows some people might have hit their heads on the floor, at birth......😀

For the very slow one's, it simply means whilst happily paying your rent, always have it at the back of your mind to latch unto government/developer schemes, and take advantage (it's a shame I had to break this down)........😜

Dont let your IHS fee waste. Book an appointment with your GP and get a referral to a wellness specialist.

You can also check if your employer has Employee Wellness schemes.

May you find what you're looking for but not with me.

gmacnoms:
they like poopoo for there

Congratulations.

You can check out card companies and financial institutions for rewarding roles.

hustla:
In other unrelated news, I finally completed my Msc Cybersecurity with Distinction

You all can come and chop jollof rice in June abi July

Bills on Lexusgs430

Guy before you point fingers, review your self.

Some of your comments can be termed as something else.

Dem no mention you, take what you can, ignore what you can't and march on.

It'd be great if you dropped the intolerance.

'...shut it..' Shutter Island ni.

ehizario2012:
Where you put this one before? Since you know this, shut it.

Congratulations!

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 🎉

Congratulations!

lightofjoy:
Hello my people, I have come again, my appreciation for your prompt response to my request/worry earlier today, I appreciate them a lot. My thanks goes to @Lexusgs430, @Controlv, @LaXxOnebody, @LionlnZion and my special thanks to @Jamesclooney; God bless you sir for your advice and encouragement, am grateful. I appreciate all Nairaland family, this is a community like family that relieve your burden when you don't see way forward.
About my last request and worries, tonight around past 7pm, I got home office approval for our skilled worker dependent visa and that of my children.
I will tell little of my story, I came into the UK late 2022 on a student visa, couldn't get a job, we were spending the little change we brought from Nigeria though we had paid 6 months rent in advance before leaving Nigeria and that really helped us when there was no job.
Early 2023 I later got a factory work, after working there for like 4 weeks, the stress was too much on me so I had to resign, the thing wan destroy my waist and leg, so I ran for my life. Thereafter I was using my car for Domino delivery though they only give me around 14hrs/week and sometimes even 10 hrs/week. I also was doing teaching as a cover supervisor to cover the remaining hours. Also my wife was really helpful during this my 1 year studies.
Fast forward, I was applying for jobs late December as my course ends in January, 2024, a lot of rejection because of student visa stuff but from January 2024, I started getting some interviews but when it gets to right to work, they always back off.

Along the line, an agent from an online jobsite categorically call me and told me that since I don't have UK experience, I should come down on my salary expectation and come to something like 35K or 40K but with my 16 years professional experiences and my experience in my last job in Nigeria, I was determined to go for the best. Also, from this forum, there were advices by some of our people that said you should go for the salary range you want and someone even said here that don't apply for salary range you don't want. Before I forget, I graduated with distinction when my result came out in February (All Glory to God). All these encourage me to go for what I want, I was applying for as many as I could in my desired salary range and later within the last two weeks of interview I got a job of over 60K with hybrid working and a lot of benefits.
I am so grateful to God for His mercies and to this forum for all the precious advises. Am grateful.

I decided to write this long epistle as this might encourage someone in this group that it will always get better. Thank you once again.
Please pardon me for any typo.

You can call the UKVI helpline but you wont get any help. They're one of the most inefficient call centres in the UK (personal experience and experience of others).

You'd need to send an email to complaints@homeoffice.gov.uk and copy public.enquiries@homeoffice.gov.uk. You'd then start getting holding messages.

It's probably Atlas messing with you. You can read about it here - https://inews.co.uk/news/politics/faulty-71m-home-office-it-system-causes-immigration-errors-and-leaves-staff-sobbing-2943859

Good luck!

Hclinton:
Hello my people,
please I need an urgent help, I filled application for skilled worker dependant visa with my children but they send me a mail for one of the children that they can't decide her application because they are yet to take a decision on mine and that they have sent me a mail requesting for additional documents.

Now my issue is that I didn't receive any message requesting additional documents.
Please what can I do?

I was asking about when you made your visa application.

Gift7428:
I didn’t get the question

When did you out in your application?

Gift7428:
The visa?
I have still not heard from home office.
I am still working but just worried
I can’t even use lemonade or change jobs. I am stuck
Thanks for asking.

Saw this and it's scary.

Cashing out by waving people on to Canada from India through the UK.

https://www.theguardian.com/uk-news/2024/feb/27/former-ba-employee-allegedly-orchestrated-3m-immigration-scam-from-heathrow-check-in-desk

But the guy done japa.

Wallsend is good and has some Africans around.
It's going to be the priciestin terms of rent for the places you mwmtikned and it has good transport links.

Durham is beautiful and picturesque.

Bishop Auckland woild be cheap but far from other towns and cities, fewer blacks.

I know nothing about Killingworth except that bus 63 and 63 go there.

Cheers.

Yhello4u:
Which area is best for a black family to reside?

Bishop Auckland Durham
Wallsend
Killingworth

I was put on the reserve list in March 2023, Im still there. Followed up a few times.

Honestly i dont expect anything from it again.

cbn4main:
Elders in the house.
Civil service just put my friend on the reserve list for an EO role. I want to ask on his behalf, how long should he expect the actual appointment?
People who have been on the list, how long did it take b4 you were appointed?

Your statement about a section of the country is a very unwise one.

Thinking about converting people's money in whatever currency is ridiculous. It's an economic and financial own-goal. I'll stop short of calling you an economic and financial criminal so the EFCC don't get interested in you.

After converting all the dom balances, how many months of import cover will it amount to?

You can not know.

Apologise for your unwise statement.

@Justwise please look at banning this person as it violates a few rules.

adekzy:
So in your non-vilifying mind, USA can sponsor with heavy aminution and funds to support Israel to maimed the poor Palestinians, but hamas can't defend their home country as well. You easily agree Hamas is bad because your mighty USA say so!

I have never run a domiciliary account nor use any to fund any travel, people travel differently and for different purpose, no be everybody be student.

GEJ sold Oil for over $100 per barrel of oil for 4yrs straight at over 2million barrel/day, with excess crude oil occount, what was the end result while he was leaving office, debt and borrowing to pay salary. (Else you too young to recall)

Today oil is sold at @ $81/barrel with less daily barrel of production and major infrastructure deficit, how do you plan to cushion it.

The country is not exporting much to earn fx, the lazy local businesses and elites are mopping the less available dollars just to save for future speculation yet you all are complaining.

You are Hungry, yet you still dey hide food for fridge, is that not silly
.

If so easy to blame the Govt. while we excuse the citizens actions as well.

Abeg my people!

Any juice on this?

LaXxOnebody:
Please can a paid mail/call be made for an application done in the UK?

I've checked severally and only our of the UK pops out.

I'd be very grateful for pointers in the right direction.

Thanks.

Please can a paid mail/call be made for an application done in the UK?

I've checked severally and only our of the UK pops out.

I'd be very grateful for pointers in the right direction.

Thanks.

Edited as there was a typo.

As an independent observer, can you tell me how the Tories will improve my life going forward?

I see you referenced APC & PDP from Nigeria's pre-2015 elections. The truth in there also is that government was terrible. Successive ones have just taken it further.

As far as I'm concerned you both haven’t made strong enough cases for the defender and challenger.

ReesheesuKnack:
Just compare what missjekyll is going on about with what Osinbajo, Fashola, Buhari, etc were saying in 2014 about ‘16 years of PDP misrule’.

Granted, the PDP was dog’s dinner by January 2015. The APC was seen as ‘the change’.
The APC fumed about $1 = N216
The APC promised allowances to all unemployed people. They promised better education, better everything etc… even vexed at the number of planes in the PAF (presidential Air Fleet).

Just like 2024 UK Labour, the APC failed to tell Nigerian EXACTLY how they will achieve their lofty ambitions. They failed to say precisely how they would raise money, and how they would do it differently .

That is precisely what UK Labour is doing now, they are hoping that the electorates will be so angry with the Tory status quo, and vote them, without questioning their policies.
Ask them the simplest question, and hear them pour out rhetorics about ‘14 years of Tory misrule’ . Oya how will you solve it? “14 years Tory misrule “. What is your policy on immigration? “15 years Tory misrule”. What is your policy on taxes? “14 years Tory misrule” How will you clear the NHS backlog? “14 years Yoey misrule “ The Labour Party has been leading Cymru for eons, how come the Health service in wales is not better off? “14 years Tory misrule”
Shuooooo…

Congratulations!

zeke100:
TESTIMONY TIME 😁

COMPLETION DONE AND KEY IN HAND

Barclays 5.4% 10% deposit with 2 years in the UK.

It will be ungrateful not to appreciate all the knowledge, nudge shared on this platform. As a silent reader for 2 years, following keenly, I appreciate everyone contributing to the topic.

Special thanks to Lexusgs430, taking his time to reply messages when contacted and even enlightening me with scenarios over the phone.

To anyone hesitating, It is possible.

Seconded!

Tolzeal:
Congratulations to everyone.

Can you please new owners help us with more details .

- Like Area of purchase.
- Average price.
- Average deposit.

That would come handy.
Thanks

Congratulations!

I hope this wipes the disappointment from the deal that didnt work out.

ProfJYK:
Finally!!

After 8 months time wasting, we Completed @ 5.38% with a new conveyancer in only 9 days.

75% LTV to keep repayments low and manageable in this high interest regime. About £200 less than current rent.

Thanks to everyone for contributing to this thread.

Congratulations!

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

Check the Barclays website there's information on LISa there.

Ogonsbaba:
I haven't confirmed if Barclays bank offer the product. But please, how can I open a Lifetime ISA account? I bank with Lloyd's and Barclays bank. I'm not seeing anything related to Lifetime ISA in my bank apps. Thanks!