₦airaland Forum

profemebee:
Been seeing people showing pictures of empty planes when they board during their flights and complaining Nigerians are not supporting the busniess

Lets not forget that July is summer time and so they know demand will be high for summer trips from Nigeria ,..however, i don't know if there will be demand for trips from UK to Naija

I also saw videos of the empty planes on tiktok........ Do we believe the videos, this day's fake new is everywhere........

seunoj:
Jungle don mature.
Gragra no fit do am

It's strange how AP is now in price competition, with the competition........ 😜

I don see Air France for £642........ 😂😜

profemebee:
bless you .. thankssss

will look through it.. we must learn something new everyday

If this thread exists, and people don't learn new tricks......

Wetin we gain, even an old dog, can learn new tricks....... 😂😜

Santa2:
This is something I have been looking at and discussed extensively with the mortgage advisor when we were going through the process to ensure it was included. Omo that your LTV mad Oooo, Make I come tap anointing. You are practically Mortgage free. One question though, when you are 100%, Would you go back in again i.e get another property/mortgage (I know this varies with personal preferences) abi na to dey Jaiye loo.

We have 2 other BTL properties, but on the family home, it simply would remain mortgage free for life.... My children would have a property they can do whatever with, when we kick our cups ....... 😂😜

babajeje123:
Book your flight and eat semo and isiewu

You forget say I be Ijebu man....... I shall look for cheaper alternatives........ 😁😂

I thought Air Peace claimed to be disruptor, on the LGW - LOS route.........😜

Imagine my disappointment, when they are attempting to charge £1200 for a July flight.....

ukay2:
No ooo

Using Freetradoe and Trading212 .....S&S ISA

I do individual stocks after due diligence

You do same with a SIPP, but with a 25% sweetener from HMRC.....🤣

ukay2:
This is what I like to see.... Stocks and Shares ISA.....one of the wonders any UK Migrants should not miss........currently near £70K minus LISA account


......Slow and steady INVESTMENTS win always.....

Are you Investing using a SIPP vehicle........ This is probably another wonder (only drawback is you pay a yearly charge to provider + you can't withdraw till you reach retirement age).....

Plus of SIPP - HMRC pays your 25% towards each deposit......
Minus of SIPP - You pay about £120 per year......

Icesnow:
How do we overpay pls? Does it mean we pay twice our monthly fee?

Not all lenders accepts overpayments, so speak to your lender enquiring if you can make overpayments........

Let's assume they accept overpayments, call your lender give them your debit card, so overpayment can be charged .......

OR

Collect your lenders bank details, using your mortgage number as a reference, then simply transfer.........

shaybebaby:
As Baba Lexus said, it depends on your risk appetite. Me I am very risk averse, the kind of person that her plan A must have plan B, C, all the way to Z.

Maybe when I get to Babas level, I consider taking more risks.

No risks....... No rewards.......😜🤣

My wife attributes my use of high blood pressure tablets + 3 laser eye surgeries, to my financial exposure + risks appetite.......😂😜🤣

shaybebaby:
We must first chop life before we chop heaven. I approve this message.😃

That's the mantra......🤣😂

Fantastic Fubara....... Chewing wike like chewing stick....... 😁🤣

Solumtoya:
Also, if you're really young, not everyone wants to pay down if rates drop. Some people, like me, will rather invest that in the Stock Market or buy a few more properties. If my LTV goes below 60% and rates drop, I might pull out my equity from the house.

You can still do all this, without releasing equity....... 🤣

This is simply to encourage people and not show how poor I truly am...... With hardwork and dedication, if I could make it happen, anyone can...... 🤣

This is from my ISA account, I have other exposures to the stock market.......

It's about time....... Let's hope local governments direct funding, would not even be a more terrible disaster waiting to happen.......

shaybebaby:
If I don't spend the money on wigs before then, haha.

Seriously, congratulations! I bet it feels good knowing that expense will soon be a thing of the past.

Do come back so we can celebrate when it is all paid off.

Once it's fully paid up, I shall be known by first name, by airline hosts and cruise companies........ 😁😜

Solumtoya:
That 17% remaining, Baba Lexus can pay it off now, he just dey delay

Why are you rushing....... 🤣😂

We know he no sabi grammar.......🤣😂

shaybebaby:
Absolutely education is needed on this, I agree.

Although it is a bit more nuanced depending on the wider economic environment. I mean now, the base rate is 5.25. If your mortgage rate is lower than savings rate you can achieve, you are better off saving any spare cash to then pay a lump sum when you come to renew your deal.

Overpayment makes sense if the cost of servicing the mortgage exceeds the return you can make investing the cash elsewhere for the same duration.

My renewal comes up later this year, so I've got my cash sitting in an easy access account paying me interest above my mortgage rate. At renewal, that money will be used to pay down an extra bit of capital.

You got it all sourced out and managed well...... Some people are not too risk aversed.......😂

Education is overrated.......🤣😂

shaybebaby:
Wowie wow wow! The finish line in sight. Congratulations.

Cannot wait for my LTV to be as low as that, but I still have a bit of a way to go yet.

That's why I've been hoping for at least 2 rate cuts this year so i can keep the repayments the same but reduce the term.

One education I did not receive, was gradual overpayments, pushes down the term and interest payable (it was not massively talked about)......

I hope future landlords, subject to extra cash + mortgage terms, would cultivate the habit of overpayments .......😲😞

The importance of LTV....... When I purchased my family home 2005 vs loan to value in 2024........

Just close your eyes, remain consistent, be patient...... It's never a sprint, but a marathon.......🤣😂

seunoj:
Boss, the main reason for the demand for care visa by pple with families. With care visa, all na £2k but the road don cast.

I can see more clearly now ......👁️😞

seunoj:
option 1: speak to his employers
option 2: approach a bank for loan payable over 5 years
option 3: reach out to ukvi on his circumstances (never say never)

£20,000 bank loan at 6.9 APR, over 5 years would be about £420 each month for 5 years....... When the loan payment is over, another visa renewal would be due....... Where would it end.... I cannot even offer a better solution......

willyede:
Thank you for your response. The total cost is far too high for my friend. He cannot afford £19K for one adult and two children ATM. Is it possible for him to pay for a 5-year visa for his wife and 3-year visas for the children to reduce the financial burden?

Thank you.

WHAT........😞🤔

£19,000 for only 5 years visa ....... Haba, the cost of immigration is equitable to paying a deposit on a mortgage + all other logistical cost ....... Loads of respect.....👍

reno should not be tired yet, it's too early to be tired of a great grandfather president........🤣😂

dustydee:
Paywall, paywall, paywall. Do know any app to bypass it?

It's not paywalled...... I am not subscribed to the Telegraph......

Osoderi:
Morning house. pls who has recently travelled from Nigeria and carried extra 23kg to travel back to UK. pls how much??Turkish airline is charging my friend ₦310,000 to carry her 23kg, the amount is too much. pls anybody know how much other airlines are charging for extra 23kg? Thank u

Her best bet, look for a courier at NAHCO and get them to deliver...... This lady does door2door...... +44 7903 520953.......

See how your taxes are wasted...... You would truly cringe........ 😕😕


https://www.telegraph.co.uk/news/2024/05/28/bulgarian-town-boomed-from-uks-biggest-benefits-fraud/

Freshwater40:
I want to know if the Honda Crv 2009/2010, is a good buy for a married woman with kids?

What are the pros and cons?

Any suggestions of cars are welcome

Every car is good, the problem would arise from the maintenance culture of the previous owner(s)......

If it's properly maintained, it would serve you well..... If it's not maintained appropriately, expect mega issues to arise . .....

Having said all that, a properly maintained CRV would always serve very well .......

toughest007:
Chief Lexusgs430! Your energy on here is on steroid

Anyways, the point is that now that it matters, people cannot reach out to Justwise to confirm if he's OK, even you... A whole arusi like you

If justwise decides to keep his telephone number, close to his chest, I cannot pry it out nah ........😂

Even those that hate me on this forum, have access to a number I can be reached on ........😁🤣

If I kicked a bucket, someone would respond from my number (eventually)... And, It would not be me from heaven.......😂😁

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.

Congratulations........🎉🎉🎉

When people argue that owning a property is not important and some of us, hold a contrary opinion.......

When you start to build equity, would it be to our benefit or yours .........😂🤣

Slowly slowly, the mortgage term would be over ..... It does get to the finish line, eventually........😁🤣

toughest007:
We should be ashamed of ourselves if this is the likes of facebook, twitter, WhatsApp, LinkedIn etc. Don't juxtapose them.

The much anyone can do in a faceless forum is to shout out or send a dm, which really has little to no impact. Justwise is quite known (anonymously) and that's it. Chitty-chattying doesn't really mean we know ourselves personally. Even if you feel you know someone, you don't really know them enough to be privy to certain info.

We can only but hope he's alright wherever he may be.

It might be a faceless forum, but people could still reach out to each other, by dropping telephone numbers/or alternative contact details........ Of course, this is subject to the personalities involved.........

Some of us don't only chat to Nairalanders on Nairaland, we still chat via WhatsApp or telephone calls (even meet up when occasion warrants).....

Some of us cannot all be introverts or a strange mix of been extroverted......😂😁