obitryce:
Hi Everyone,

I've been a silent member of this thread, observing and learning about acquiring a property in the UK. The knowledge gained here helped me in acquiring my 3-Bed (Old Build) Semi-detached property in April this year, all thanks to the likes of Ticha, Lexusgs430 etc. I 'm currently in need of a builder in Liverpool area, as I intend to convert an empty space downstairs into a toilet and would appreciate any useful information or contact.

Thanks..

Look at checkatrade.com

One of my colleagues gave me the site to check trades ppl near you.
There is also an app- nextdoor. You can install and connect with ppl in your location and ask for recommendations.

Are there caveats to reconstructing a house if there is mortgage on it? My first landlord in UK buys 3 beds and reconstructs it to 4 rooms ensuites and rents it out to 4 tenants thereby making double or triple the amount he would have made renting it as a 3bed. This has always been on my mind from day 1 i came to this country. My landlord even lived in Australia and manages the house himself... No agents... I liked his business model.

I want to say a big thank you to all the contributors in this thread... You guys are the best.

I wil be 3 years in Uk by November this year and intend to get a mortgate btw March and April next year. By then,I should have 15 to 20% deposit of the property i intend to get. I have been building my credit score and i am currently on excellent on transunion and experian. Currently, i have 2 major fears.
1.) I am currently on visa and it will end by Nov next year , meaning 8 months remaining on the visa by that time. I have option of switching to care visa but dont want to cos i wont be happy in the visa. I am currently enjoying my freedom on graduate visa while building skills to get a professional tier 2 visa with good pay in the long run and career progression or just any visa that can allow me freedom to work when i want to and chill when i want. I hate limitations. Will this visa type and remaining time on visa affect my application?
2. I will be applying for the mortgate as a single ... though i currently earn more than some couples ( if i want to work) . I do this when i want to apply for anything . Some people told me that lenders are not usually comfortable with lending to a single applicant.

3.) I was told you can get properties at cheaper rate if you buy to fix. Are there other fees associated to owning a house... I used to see yearly gas check, fire check , and many other mails addressed to my landlord then, so i will be glad to know of associated costs /fees of owing a house apart from council tax.

4.) Is it better to buy a house in your name or in a companies name?

Please i need advise.

Debymayor:
Greetings,

I must say I learnt a lot from your answers. Pls I also need some clarifications.

I have been looking towards Canada but my spouse recently got a link for Australia through a friend. It's going to be a one year visit visa, we were told that after few months, the visa can be converted to PR for a couple of years,. Pls is this really feasible ?

What do you advice? I and my spouse are both laboratory scientists.

Will be looking forward to your response

I just saw your mention. I have been off nairaland and social media for a while. I have been in Uk for 2years plus and no longer have update on Canada and Australia immigration. I hope someone has answered your questions.

Reading through my post that you quoted, i am surprised that i did write such long insightful posts. I miss days that i was always on my phone and nairaland.

MumIbeji:


https://www.nairaland.com/4758545/baby-foods-recipes-weaning-solids/10

Long time. Nice to see you again