Lexusgs430:



Run away from flats, run away from council flats, avoid leasehold properties, avoid interest only mortgages, avoid shared ownership properties.......

All the above, avoid like fire is burning your behind.........

Freehold and repayment, is your only option...... You might say it's your first purchase of many more to come...........

If this becomes your only purchase nko.......

Ticha:


Leasehold is fine. You need to check a few things. What kind of lease is it? What is the service charge? Any covenants on the lease? ie some leases does not allow you have a pet in the flat or rent it out. Ask for the last time repairs like roof, guttering and external cladding was done if any. Stay away from blocks higher than 4 floors (lifts issues) and if possible aim for either a ground floor flat (will give you some outside space) or at most the 1st floor.

Most importantly, ensure the lease has at least 110 years left or factor the cost of extending the lease into the purchase price. This is especially crucial if it is a block of flats as freeholders can be arseholes for lease extensions.

If it's a split house - split into flats, ensure that the lease is a cross lease with the appropriate rights (conveyancer will sort that out anyway) . If a split house, it's crucial that it has been converted properly otherwise it'll bite you at resale. Houses that have been split into flats recently tend to have 999 year leases as well so it's a good as freehold. Plus you get a cross lease over the over flat so you both hold the freehold in the lease if that makes sense.

Where is it located in Bristol? We own a leasehold flat in Brislington (lived there for 3 years then rented it out and bought a house just outside Bath) and my in laws are Bristolians and still live there and own lots of real estate mix of residential and commercial. That's how we got into property as well.

Flats are a good first step onto the property ladder. Plus it's easy to resell especially in Bristol to other FTB when you trade up. PS - Ex council flats are also very good in the right location. They have heaps and heaps of space and hold their prices very well. I agree on staying away from shared ownership.

If I were you, I'd buy and fix for 5 years if that's what fits within your budget. Overpay by the minimum in the 5 years and then re-mortgage to buy a house. Buy close to transport links, make sure it has a dedicated car park and you're good to go!

justwise:


Check tranzfar, never used them but i used to have their app but their commission then put me off

justwise:
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just noticed that, its a turn off

Aykomo02:
This is my story
I married my spouse 2014,he based in Uk,but because of d anxiety that I want to go nd meet my husband we made a wrong decision,I applied for visitor visa 2015 through an agent who told us he will provide all necessary documents because then my husband was not having a good job nd he just moved frm London to Manchester,not knowing dis guy used fake documents nd all,he even changed my spouse to another name nd provide another marriage certificate nd I was refused due to fake bank statements nd fake references,though I dnt knw why I was refused because he ran away with refusal letter,Nov last year I applied for spouse visa when my husband is financially ok nd we have all d evidence,and I was refused because I provided my marriage certificate of 2014 with my husband when I told them am still living with my previous husband in my previous application with marriage certificate,so they are convinced that my marriage with my real husband is not genuine,am confused on what to do because we want to appeal
N.B———I can’t find d agent and I dnt knw what date he filled for my previous marriage certificate even if I want to apply for divorce paper
Pls help me because am going through trauma already
What can I do to correct my mistakes....thanks in advance

BadRadio:


08074483561

Glo

youngking22:

Wow thankyou , please I would appreciate it if you can send me cash please, I hope am not pushing my luck?? 3118673225 first bank
07081329475 Airtel

BadRadio:
lie 2 utd 2

Maddison to score 2x. Rashford & fernandes to score

youngking22:

2-2

Herbeolah1:
Please am I to submit any application online here? I thought the lawyer would have done that.
Seriously I don't know much about this.

Herbeolah1:


I have submitted all other documents and my statement of account but the lawyer hasn't asked for a letter from her school yet.
Sure I will do that

Thanks your response was really helpful.

Herbeolah1:


I appreciate your interest in helping me in this confused state.

To be honest I and my hubby just meet not too long ago. And yes we got married the first time he came to Nigeria.
We have proof of communication to submit.

I'm just about the english test exams, TBT, biometrics submission of passport e.t.c to be done. Like when exactly will I have to do all that cos the immigration lawyer is not saying much.. he just said he will let me know when my visa is out.

I hope it can just happen like that and I get my visa.. lol
It's really confusing for real.

Herbeolah1:



Thanks for the response
I was never married to my baby dad and my daughter has been with me ever since. The dad knows about this and has given is consent.

The immigration lawyer working with my hubby asked me to get my daughter a Nigerian passport asap. Does that mean she's going with me to the UK or her passport I just needed for documentation? Cos I and hubby talked about coming to pick her later.

And the last time I spoke with the lawyer he said I shouldn't worry that he will let me know when my visa is ready.

I just want to be sure if this is truly the right process.

Sorry for the too many questions
Thanks All�

samsard:
Except for Turkey you can't go to Europe from there as it's not part of the EU or even recognized by most countries. If you can afford the fees there, then you're surely not poor in Nigeria. There are many people who are very much comfortable living in nice places in Nigeria.

LagosismyHome:


So let me word it differently for you .... as a couple the british can claim anything . When it get into his or her account then you can spend the money jointly .....

But in the actual application then only a british person can apply . So for example for child benefit. It very simple, the british should be the one to apply

bukatyne:


Brother Ollins,

If this lady is as terrible as this, how were you able to get an erection to stick it into her?

How did you start the toasting to get her into your bed and arms?

The same magic you worked to get her pregnant, use it again.

It is in you like peak!

mimilyrics:
They can't claim as a couple. If the wife's visa says "no recourse to public funds", only the British husband can. As long as you don't have British citizenship or ILR, you are not eligible to claim benefits jointly or not.

LagosismyHome:


He is on Tier 2 so highly unlikely that the partner is british . If not why not on spouse Visa

Teepp10:

Thank you so much

xandy84:
I guess you assume he is fulfilled. First, good amenities is overhyped. I used to live in Chicago and I can tell you their are as many bad roads in inner city of Chicago like their are bad roads in Lagos. The only difference is they patch it while we let ours goes from bad to worse.
Second, you pay for internet and the moment you can't afford it, you get cut off just like you pay for internet in Lagos. Their millions of American families who can not afford internet at home and they don't have it.
I have no health care for 5 years until I was able to go to school, get a better job before I get a job which offer health insurance. Millions of Americans are without health insurance and are one illness away from bankruptcy....
UK, US, Italy and most advanced countries are dream comes true but does not worth dying in dessert trying..
My 2 cents

You're absolutely right. It's not worth it.

His story should be a lesson for people but it's unfair to judge him if they haven't walk in is shoe. Cheers

amaniro:




Just building a house.. Getting married.. Having a daughter all for passing sahara desert? It's not worth it bro and there is nothing that can justify it. I rather be a taxi driver! There's something called "inner peace or inner satisfaction " trust me you won't have that again after going through this hellish and hectic journey, all to what end? I'm not advocating for mediocrity but people should be satisfied with the little they have.

wman:
What's the point of it all?

To get married, have a kid and build a house in Nigeria.

For all that struggle?

And the football dream is as good as gone.

God help us

spacyzuma:


Yes, you can.

I'm currently touring an european country using a schengen business visa issued for a different european country (France).
As long as the schengen visa is still valid.

Last last, at Immigration they will ask for confirmation of your return ticket or your accommodation reservation while in SPain.

chiommy123:
After he has practiced everything on her