₦airaland Forum

Rates have fallen.

Asked my MA for a Mortgage review and it was reduced within 48 hours to 4.26%

Having a home demo done in a few days. completion is nearby

NewT123:
Thanks bro. Sure the deposit and other associated cost will be ready before my mortgage application. I just didn’t want to miss out on a property that met all my criteria.

After your offer has been accepted

You will need to submit 3 months bank statements to the bank as proof of funds in order to get a Mortgage offer. You will need to have the complete deposit in order to proceed forward.

NewT123:
Thank you for your response. I have already put all costs into consideration. I was thinking they will ask for my bank statement or proof of deposit before accepting the offer. Thanks for clarifying

You will need to have the complete proof of deposit before you get a Mortgage offer

Mortgage offer is different from AIP

ehizario2012:
Hi friends, a property vendor is asking me to pay for ID checks after the seller accepted my offer... I do not understand, is this right? I like the property and intend to proceed especially as the offer has been accepted but this £75 ID check charge is putting me off.

see attached for my ID check fee its £12
try to compare quotes with other solicitors thats what I did when my first quote was £4k plus my second was £2281 . You can guesss which one i accepted.

I used credas too

ehizario2012:
They are truly pushing me... I'll have to start searching for a solicitor now. Does it have to be a local solicitor or can I use one online? Thanks for your support all.

You can use any conveyancing solicitor

ehizario2012:
Thank you for your response. Your citizenship status is a key factor.

Oh I see. I never knew. Thank you

ehizario2012:
Please what's your deposit? And I guess you above 2 years in the UK if not yet on ILR.

my deposit is 18,200 (5% of it)

I am British

ehizario2012:
Hi friends. So what I'm currently having (from two paid mortgage advisors, £499 and £699 fees) is £6.4 for 2 years fixed term and 6% for 5 years fixed term. The lender is looking more like principality... Is this what's prevailing?? The rates look high. We discussing 5% deposit at this time. Cheers all.

That rate is too high

I just got rate of 4.49% for a 5 year fixed term via a broker

Ujuolu:
He submitted the application alone. There's really no much communication from his side. Although he mentioned that the application will take 4 -6 weeks to be approved.

Any update? Has the broker answered you?

I got my solicitor fees almost £2k cheaper. Tried another as suggested

ok I will try another Solicitor. Thanks

Ujuolu:
Wow, that's a lot of fees to pay.

My quotation is straightforward and easy to understand. I would suggest you get another quote from a different solicitor.

See the attachment below for reference.

Ujuolu:
Pls what & what is included? Mine is £6,641. I'm in Scotland and Stamp duty is paid for property worth £250k and above.

see attached

Mine is for a property new build

House,

I have just been given a quote of £ 4,137.98 for conveyancing for a new build.

I feel this is on the high side. What do you think pls?

EJIOGBENIMI:
Pls how do I go about this??
A property I made an offer on Wednesday has been changed to “under offer”. I have seen another property that ticked even more boxes today and I am due to inspect it on Monday afternoon. I may honestly go for this based on the location and some other factors.

Do I need to send the first agent a message or wait till I’ve inspected the property on Monday evening? They tried to reach me today, I didn’t pick it as I’m not even sure of what to tell them. The seller was very pleasant when I went for inspection but then…

Wait till you have inspected the property on Monday evening before informing the first agent

send your cvs

see attached for info

See attached image for details

Sounds like Gleeson homes with the finishings I might be wrong though

EJIOGBENIMI:
Please what’s your thoughts about semi-detached and detached properties. I’ve inspected some properties this week. We fell in love with 2 of them. They’re both in the same development. Property A is a 4 bedroom semidetached with 4 toilets. My madam is in love with this property due to the top notch finishing. The sitting room and the kitchen was finished with porcelain tiles and the fittings really enter my eyes. It’s a well maintained property. The bathrooms are top notch too. This property has parking space for 1 car. We use 2 cars . We can always park the second car by the road side.
Property B is a 3 bedroom detached, 3 bathrooms with a garage plus space for parking 2 cars. Neat and simple finishing with laminate flooring. Same price range. I’ve seen the survey reports for both. I may pay a little more to win the offers for B, based on speculations of being more popular with more potential buyers.
I’m currently renting in a detached property. My colleagues were pointing out some cons of buying the semidetached. They think I can always fix things up in the detached property, including converting the garage to an extra room in the future if the need arises.

500k? When it isn't gold .That's too expensive

I buy 1 full goat, snails.,fish,groundnut etc for N300k from https://www.instagram.com/detoesfoods?igsh=MWh3MGhyZHh5ajgzbQ== and the price includes shipping to my door in UK. I always patronise her Tosin

Lexusgs430:
It's £206 in 2025, might increase to £2206 in 2035..... 😂😁

Noted and thanks

I have sold my previous property and looking to purchase another

I have seen a New Build 3 bedroom House (built 2018) i did love to buy but theres a service charge of £206 yearly

Pls house, would you buy a house that has service charge? Its a freehold property

Hnd Secretarial Administration qualification only

Deathisreal2024:
Hello bro I am available pls
08064698852
Or u can drop ur contact here

ellie4u-2

HND graduates in Secretarial Administration from Polytechnics urgently needed

THIS IS NOT SCAM

Location: Ikoyi Lagos

Salary is very attractive send your cv:

Goodenoch:
You can. There's no restriction on investing in stocks. If you do it via a Lifetime ISA the government will even give you a bonus of 1k on top of your 4k every year so it's clearly very legal.

Pls which provider is this? What is the minimum age to open a lifetime isa account and At what age can you withdraw

My kids have Halifax Isa but interest rates is quite low.

justwise:
Is GTBANK hacked? Can’t access my account through the website or the app

Yes GTBank is hacked

babajeje123:
Hello! We've been talking to a builder and we are going there today to pay reservation fee and ID checks. We used the builder's financial advisor and it appears as if they are reasonable however we need to double check. This is what they are offering us, what do you think? We're initially looking for something that our monthly repayment won't be up to 1k however it seems as if that won't be possible due to the purchase price.
Secondly, the builder recommended a solicitor and their charge is £824 excluding the fee for acting as our mortgage lender which is £150, can we get something cheaper? Any recommendation?
@Ticha @Lexusgs430 @all

Mortgage lender fee of £150 thats very cheap or you meant £1500?
If its £150 extra thats a very good deal

Eastcoastboy:
How did the friend land the job, which certification was required?

minimum of hnd or degree 2.2

PerfectStranger:
Which site did he find the job?

on the company website