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Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 8:05am On Mar 06 |
Jamesclooney: To give my opinion on the number two question. I am the only black in my estate. The community have some Black families who have been there with no issues. The colour of humans around you should not bother you at all. If the estate meets your requirements except the number of black people there, I will say be the first Black. 5 Likes |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 8:35pm On Feb 29 |
ukay2: Na the next line of action be this. |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 4:11pm On Feb 29 |
Estroller: If Oga Boss @Lexusgs430 opens church I go be one of his first Protocol officers. Wetin' him don do for me in this UK nor be small. I dey watch DSTV and plenty other things them, na him Rent Money is dead money na him preach am make e from enter my madula. Oga boss your face show, your shoe shine. 4 Likes |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 4:05pm On Feb 29 |
Estroller: I still dey learn work. Thank you so much |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 2:06pm On Feb 29 |
Santa2: Yes |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 12:55pm On Feb 29 |
February ended with Keys in our Hands. As we sit amidst boxes in the warm embrace of our very first home, our hearts are overflowing with gratitude. This moment, so monumental in our lives, was made possible not just by our dreams and efforts, but significantly by the support, guidance, and encouragement we received along the way. We wanted to take a moment to express our sincerest thanks to you. Your insightful advice, mortgage advice, financial guidance, etc was invaluable to us. Your wisdom and experience shed light on paths we hadn't considered and smoothed out the bumps on the road to homeownership. This home is more than just a structure of bricks and mortar to us; it represents a milestone, a canvas for our future memories, and a testament to the enduring spirit of support and community we've been lucky enough to experience. Every corner of it already echoes with the promise of future laughter, love, and the making of fond memories. And in every one of those moments, we'll remember the role you played in bringing this dream to fruition. So, from the bottom of our hearts, thank you. 2years UK Resident. Skilled Worker Visa. New Build Home 3Bedroom Developer: Gleeson 5% Deposit contribution Kitchen and Bathroom upgrades and Free carpets Lender: Barclays Mortgage Tenor: 25years. Deposit two years LISA Max out. LTV 80%. 24 Likes 1 Share |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 12:06pm On Feb 29 |
Santa2: Sorry for the late reply. mine took a week and when I requested a new rate it took 3 days. |
Travel / Re: Between Ethiopian And Qatar Airline Which Is Better by Pearlyfaze: 11:58pm On Feb 18 |
ukcatlover: Hello Sir/Ma, Do Nigeria Passport Holder need a transit visa. travelling from London to Nigeria. |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 4:25pm On Jan 25 |
Santa2: Some give a 5% deposit and all of these other benefits you wrote here. Our developer gave us a 5% deposit for New Build, We exchanged the Contract on the 4th of January for LTV 80%. We provided 15% and the builder 5%. The same kind of house is now 15k above what was sold to us. I don't know if it's a good sign. So it depends on where and Who. Perssimon Gave my friend 5% also. We are in the North East of England. 2 Likes 1 Share |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 10:12pm On Jan 06 |
Nemie: We have 11 months left on our visa and the contract was exchanged yesterday. We clocked two years in the UK in December 2023. For Barclays, as long as you are on a skilled worker visa and have been two years in the UK, Just bring 10% and collect House. 11 Likes |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 8:30pm On Dec 24, 2023 |
Stevepop: Congratulations on your new house. The queue is still moving guys. E go reach everybody wey want this kinda Good news. Well done newest Landlord. 11 Likes |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 10:58pm On Dec 21, 2023 |
Amazoner01: With your BRP and Address History. |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 10:12pm On Dec 15, 2023 |
Solumtoya: Congratulations oga Landlord. God is in the neighbourhood and the queue is definitely moving. Enjoy your home Sir/ma. 3 Likes |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Pearlyfaze: 1:28pm On Dec 12, 2023 |
Zahra29: In all of these, What is the fate of Nurses who are not in the NHS. Would they be affected by this regardless of Salary? |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 11:53am On Dec 02, 2023 |
Elders biko this thing is tiring. The solicitor sent me a document to sign and pay a commitment fee. On opening the document. After the quote we accepted, I am seeing other potential charges of over £2600. Some of these were removed from the original quote, some are already covered in the accepted quote. Some of the things in these potential additional charges are 1. The SDLT submission fee. 2. New build Charge. Numbers 1 & 2 were removed from their earlier quote. 3. Drafting of the Deed of Covenant, and Approving of Deed of Covenant. 4. Drafting Notice of Transfer fee. 5. Drafting a statutory declaration etc, Please is it normally like this or i should look for another Solicitor? I do not want someone to come back to say I owe him this and that. In my head, I am thinking they will give you a quote, you agree with it, and start working with it. I do not really problem paying the commitment fee. But this form does not look straightforward. |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 10:34am On Dec 02, 2023 |
Ticha: Yes there were referred by the Developer. Yes they have reviews 15 out 20 reviewers recommended them and 5 said they were poor. I am based in Newcastle Upon Tyne, England. |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 7:13pm On Dec 01, 2023 |
Make una nor vex biko say I dey ask a plenty question. The solicitor say make I drop about 600 as a commitment fee, Is this how it's done bikonu, ejoor, mabinu. Make person nor use me do Christmas. I was thinking payment is made at the end of everything. |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 11:49am On Dec 01, 2023 |
[quote author=Estroller post=127248228][/quote] Thank you very much, We got another for circa 104. And Underwriters came back today and increased it to circa 129. Is it important to include the kids as extra in this Mortgage Insurance? |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 9:01am On Nov 30, 2023 |
Good Morning great minds. Please I will need you to look at this and give me your thoughts. We are hoping to buy a property and the solicitor recommended by the developer gave us this quote: Professional Charges £375.00 VAT £75.00 Searches (approx.) £250.00 Stamp Duty or (FTB Relief) £0.00 Electronic Client Identification Fee, including VAT (£15 per person) 30.00 Telegraphic Transfer Fee Including VAT 48.00 Land Registration Fee £230.00 Lender Administration Fee Including VAT 180.00 Lender Panel Fee (if applicable) 42.00 HM Land Registry Searches 18.00 Anti-Fraud Check Fee 36.00 BACs fee 24.00 Lifetime ISA £120.00 TOTAL £1,428.00 So it was initially £1668, when I replied his first email, he removed £240 and gave me the above. Please is this a good deal? Do solicitors charge for having our deposit in LISA? Also our insurance quote by the Mortgage advisor is huge. Circa 120 for a 25 year deal term and both of us are 40years old. 3 Likes |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 1:18pm On Nov 21, 2023 |
Good morning ndi Ichie. Please I like to know if I will be asked to bring a document to proof my address in Nigeria. We have meet our two years mark in the Youkay and have started our Mortgage journey thanks to all the guidelines here. I have been asked to give 3years address, two years in the Youkay (Given) and at least one year in Nigeria. As we nor get NEPA bill with our name on it. They only alternative would be Bank Statement. So I would like to know, so I can give the address in my bank account. |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 12:12pm On Nov 13, 2023 |
Solumtoya: Thank you so much Sir, So at exchange of contracts, while waiting for the developer to finish the building, is one expected to start paying the Mortgage?. Or you start paying when you move in?. I just want to be clear and get ready for it. 1 Like |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 11:25pm On Nov 12, 2023 |
Good evening dear ancestors. Please I will need some clarification to use hold body before meeting with Mortgage Advisors in few weeks time. I would love to know, For a new build home, How long does it take from reservation to moving in. We will complete two years by next month, we have 15% deposit for the property we intend to buy. So we intend to start the process by next month and by this time we will be having one year left on our current visa. What are the things to look out for. |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 1:34pm On Oct 29, 2023 |
ukay2: Congratulations Sir. The line is moving. 3 Likes |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Pearlyfaze: 7:18pm On Sep 05, 2023 |
EPEAKS: 100%. It will work. |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 10:46am On Sep 03, 2023 |
Lexusgs430: Baba so we wen come late to the party carry twins come . Abeg pity us small |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Pearlyfaze: 9:16pm On Aug 30, 2023 |
Elders Good evening. Abeg who FIFE, I wantu ask for some information about the area. Planning on returning to Scotland. A place with close proximity to Edinburgh as I work 2 days a week in Edinburgh. |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Pearlyfaze: 6:17pm On Aug 29, 2023 |
Good Evening Dear Ancestors. Abeg this Aqua credit card, shebi if i no go pay interest in the following scenarios: 1. If I nor buy anything with the card for a month. 2. if i buy and pay my total debt via direct debit after the bill is generated. In simple terms, Does it work like Amex in terms of repayment. Amex nor gree accept me based on say i been get missing payment on my Gas bill when i been dey drag bill with British gas. |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Pearlyfaze: 12:27pm On Aug 06, 2023 |
Abeg who Dey stay for Dunfermline Fife(How is Rosyth or inverttkin) or Livingston (if you are in Livingston how is Broxburn), I have a few questions with respect to family and raising kids and activities like Swimming, takwando and football. Planning on coming back to Scotland but looking for close proximity to Edinburgh as I work in Edinburgh. My Dalkeith has become too expensive for our plans. |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Pearlyfaze: 11:45am On Aug 06, 2023 |
koonbey: The point is those religion your parents took you to will never teach you that dignity means taking your own life by doing the earth a favour. Christianity has never taught me that, African tradition of my ancestors forbid anyone taking his own life. His involvement with this Earth People is what encouraged his decision. Check his handle on twitter encouraging people to take their own life instead suffering,waiting and believing things will get better. |
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by Pearlyfaze: 12:01am On Aug 06, 2023 |
justwise: Oga mi, there are evidence that he was told to take his life instead of being discriminated, instead of not receiving equal treatment like Other Irish citizens. Note I mentioned Irish because he lived in Ireland. Chigozie was a lovely fellow, very brilliant but was brainwashed by some Ediot’s who are yet to take their own life. As an African my advise has always been, if you want to be a Christian/Muslim by all means be only because your parents are members and anytime you think that these two religions are no longer relevant to your level of understanding. Please Practice African traditional spirituality(Nature). Nor be person go run commot for the one oyibo them sold to your ancestors because you think say e nor good then you go go jump into the ones that oyibo children bring come. It is not nice that their ancestors deceived your ancestors and we also allow their descendants to deceive us again with another Cult (Called Religious beliefs). Whether Earth Citizens or Atheists or Christian or Muslim these are unAfrican. Be that as it may, They are some values one can learn from especially from Christianity (Na the one I don practice be that). Peace. Chigzs died a stupid death. 5 Likes |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 3:34pm On Jun 13, 2023 |
Rapitex: Congratulations brother man. |
Travel / Re: Living In The UK: Property,Mortgage And Related by Pearlyfaze: 6:33pm On Jun 09, 2023 |
Mroriginal: Thank you so much. |
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