Contra5:


Thank you Mamatukwas! I follow your page on IG and likes your post whenever I go there. I like hardworking women. Well done! If teaching is your forte, I think you should have a masterclass/online course. It will help a lot of migrant wives with kids.

What's her IG ID?

quivah:

What's her IG ID?

No vex Nairaland is still an anonymous platform and I’d rather it’s not posted here.

If we ever have any reason to relate or transact you will find out. Xx

Ticha:


You only need a 25% deposit if you're buying an investment property. For a house to live in, 10% deposit is the norm. Even if you have more than 10%, with interest rates currently low you're better off starting with 10% and investing the elsewhere. Then overpay monthly/annually if you have spare money.

Nice Idea.
What would you advise, is it better to find tenants on my own or register with letting agencies?

AirBay:


Nice Idea.
What would you advise, is it better to find tenants on my own or register with letting agencies?

You can do either.
If you have the time to deal with tenants yourself (answering enquiry phone calls, taking them to view your property, etc, etc., then you can.
If you have neither the time nor the energy to deal with tenants and their potential wahala, get an estate agency so they take that off you.

Mamatukwas:


No vex Nairaland is still an anonymous platform and I’d rather it’s not posted here.

If we ever have any reason to relate or transact you will find out. Xx

Please i need naira, are you able to deal? about £2000 worth.

tosinhtml:


Use DHL please, it is expensive but efficient.

. Thanks.

When we are having a conversation with fellow BAME colleagues at work, those who don’t belong to the group always look like the outcast

Ticha:


Congratulations! The first house is always a steep learning curve! Especially in this very hot market. For first home buyers - my advice is to always go through your own bank first as they have all your financial history right there and can give you a good idea of your chances.

Re- brokers that's why I use 2 brokers. One for vanilla purchases who of course doesn't charge a fee but any small K leg will say oh you can't get it. The 2nd broker runs interference with the banks and pulls all sorts of mortgage miracles (completely legal o!). It's instructive that he is also BAME (I hate that term) and also owns investment properties.

@Justwise and recent Naija travellers, After filling the departure form on the Nigeria international travel portal, I put fully vaccinated and attached proof of my cert, at the end it said “you are not required to make payment”, I’m still not sure if this looks right. Pls was it the same experience for you, i even clicked on make payment it wouldn’t let me.

TRAY2:
@Justwise and recent Naija travellers, After filling the departure form on the Nigeria international travel portal, I put fully vaccinated and attached proof of my cert, at the end it said “you are not required to make payment”, I’m still not sure if this looks right. Pls was it the same experience for you, i even clicked on make payment it wouldn’t let me.

During the red list madness you would have been directed to pay for quarantine, so you are good to go.

omopapa:
When we are having a conversation with fellow BAME colleagues at work, those who don’t belong to the group always look like the outcast

My email has been breathing in your inbox for several months now

5gee:

Please i need naira, are you able to deal? about £2000 worth.

i have

Oggg:
i have

What's your rate?

5gee:

Please i need naira, are you able to deal? about £2000 worth.

Sorry missed this. But you can always pm me

Ticha:


You only need a 25% deposit if you're buying an investment property. For a house to live in, 10% deposit is the norm. Even if you have more than 10%, with interest rates currently low you're better off starting with 10% and investing the elsewhere. Then overpay monthly/annually if you have spare money.

I think it's 25% now if you don't have ILR or have not been in the UK for up to 5 years.

I replied almost immediately Ma

quivah:

My email has been breathing in your inbox for several months now

Domistic:
Hello My People
What is the best way to send a laptop to Lagos. I needed to send my laptop back to Naija urgently. Does Dhl or Royal Mail work? Abi we have cargo agents that handle that here?

Be careful of your logistics choice. I read on IG of someone who sent a laptop to 9ja with DHL, paid extra for custom clearing and got a teddy bear as the delivered supposed parcel

brine:


I think it's 25% now if you don't have ILR or have not been in the UK for up to 5 years.

It's not for first time buyers though. You can get 5% deposit mortgage (though very scarce) or add government equity loan of 20% to reduce the mortgage borrowed.

The caveat for visa when it comes to obtaining a mortgage is basically having at least 9months to 1yr leave to remain before the end of the visa. Even Tier 4 student can get the above mortgage deals or arrangements.

captainhoo:


Be careful of your logistics choice. I read on IG of someone who sent a laptop to 9ja with DHL, paid extra for custom clearing and got a teddy bear as the delivered supposed parcel

It was not DHL o no go spoil another brand. It was UPS

iboboyswag:


So Contra is a woman?? And here is me thinking you was a dude...

Plenty congratulations...

I guess there are 2 of us now. I'm a guy.

Chreze:


Congrats. Please note that the information I shared is 99% accurate for Glasgow (or maybe Scotland). I have never visited London or England and so don’t know if the same applies 100%. I know similar from reading but never been there and don’t know what applies. You might wanna confirm from people who live and stay there.

Blessings

It's the same in Southampton.

Hello house, please what is the annual salary for a personal assistant job in KPMG UK. I applied for a job there and was asked my salary expectation.

Please any body working here OR have similar position should assist me.

Also I only have a degree certificate can they take me with my Nigeria university.

I need the gross salary, net salary and annual. Kindly assist please.

Thank you

Osoderi:
Hello house, please what is the annual salary for a personal assistant job in KPMG UK. I applied for a job there and was asked my salary expectation.

Please any body working here OR have similar position should assist me.

Also I only have a degree certificate can they take me with my Nigeria university.

I need the gross salary, net salary and annual. Kindly assist please.

Thank you

You can also check glassdoor. Some staff from big companies post their salaries there, their experiences and interview questions.

Osoderi:
Hello house, please what is the annual salary for a personal assistant job in KPMG UK. I applied for a job there and was asked my salary expectation.

Please any body working here OR have similar position should assist me.

Also I only have a degree certificate can they take me with my Nigeria university.

I need the gross salary, net salary and annual. Kindly assist please.

Thank you

You didn't mention the location. The range in the south is 35 to 45k depending on your level of experience. It will be more in London and less in the North.

Like someone's suggested try glassdoor to be exact.

PS. Give a high rate. They'll tell you how much they can afford if they can't pay your rate.

AirBay:


Nice Idea.
What would you advise, is it better to find tenants on my own or register with letting agencies?

I always use letting agents and manage the agents. I always request all full applications from potential tenants, speak to the tenants myself, give them our details once they're in and make it my business to know all the rules and regulations and tenancy laws. Now I am more conversant with everything, I'll be managing myself when we return - mainly cos I'll also be dropping to part time work.

fatima04:


It's not for first time buyers though. You can get 5% deposit mortgage (though very scarce) or add government equity loan of 20% to reduce the mortgage borrowed...

That's interesting, thanks Another question, any ideas on how to sort out proof of funds for people that have some of the deposit come from abroad(Nigeria). This includes personal savings, selling personal items, loan repayment from friends, etc . Also, how about all the transactions from lemonade, moneyfex for example? What are those classed as? I might be over thinking this now.

brine:


I think it's 25% now if you don't have ILR or have not been in the UK for up to 5 years.

Not for first home buyers. And most banks will accept less than 18 months on your visa. 2nd tier banks will even take any overseas income into consideration too.

brine:


That's interesting, thanks Another question, any ideas on how to sort out proof of funds for people that have some of the deposit come from abroad(Nigeria). This includes personal savings, selling personal items, loan repayment from friends, etc . Also, how about all the transactions from lemonade, moneyfex for example? What are those classed as? I might be over thinking this now.

Banks statements or move the money into your UK accounts and leave it there for 3 months. It's a long time ago now but part of our first purchase was financed by selling my house in 9ja which was paid for in cash (9ja sha, we get liver!)
It took about a month to transfer the funds to my UK account and then another couple of months to buy the UK house. No bank has ever asked us for more than 3 months statements so that's my rule of thumb

TRAY2:
@Justwise and recent Naija travellers, After filling the departure form on the Nigeria international travel portal, I put fully vaccinated and attached proof of my cert, at the end it said “you are not required to make payment”, I’m still not sure if this looks right. Pls was it the same experience for you, i even clicked on make payment it wouldn’t let me.

I’m on the website now

It looks like it’s for those coming into Nigeria, kindly clarify

Ticha:


Not for first home buyers. And most banks will accept less than 18 months on your visa. 2nd tier banks will even take any overseas income into consideration too.

Madam!

I always look forward to your view on properties in the UK.. Kindly clarify the ffg:

1. Can someone on a T2 visa with just about a year living in the UK get mortgage at 10% (even 25%) deposit?

2. Which specific banks should one target?


Many thanks.

For pre depature covid test, must i use government approved ones on https://covid19.ncdc.gov.ng/laboratory/ ?

Asked on the student thread but no answers are forthcoming

contra:


You didn't mention the location. The range in the south is 35 to 45k depending on your level of experience. It will be more in London and less in the North.

Like someone's suggested try glassdoor to be exact.

PS. Give a high rate. They'll tell you how much they can afford if they can't pay your rate.

Thank you for your response

It is in London.

But pls do they accept Nigeria degree certificate in the UK in this type of organisation?