₦airaland Forum

@those using Trading 212, do you pay any fee if you are trading I.e buying and selling within short time

Congratulations 🎉

May the property be peaceful.

If you don't mind me asking, What's the location?

teeebest:
This thread has been of immense help to me. I want to appreciate the contributions of all 'elders' lexus, semmyk, Ticha etc.

We got our keys on Friday 30th August and moved into our house on the 31st. We maxed out our LISA contributions and deposit was 14k.

Thank God, finally, it's my testimony time!

We got our keys 13/09, and moved in 15/09.

Got over 6k extra using LISA.

Special thanks to Oga Lexus, Madam Ticha, and everyone contributing to this thread.

Rent money is dead money

Congrats!

missb50:
Thank God, finally, it's my testimony time!

We got our keys 13/09, and moved in 15/09.

Got over 6k extra using LISA.

Special thanks to Oga Lexus, Madam Ticha, and everyone contributing to this thread.

Rent money is dead money

missb50:
Thank God, finally, it's my testimony time!

We got our keys 13/09, and moved in 15/09.

Got over 6k extra using LISA.

Special thanks to Oga Lexus, Madam Ticha, and everyone contributing to this thread.

Rent money is dead money

It's raining house buying! Congratulations 🎊 👏 💐

Exciting times 🎶

See me smiling sheepishly at work

Congrats 🎉 guys

lightnlife:
Congratulations 🎉

May the property be peaceful.

If you don't mind me asking, What's the location?

Peterlee - Northeast

missb50:
Thank God, finally, it's my testimony time!

We got our keys 13/09, and moved in 15/09.

Got over 6k extra using LISA.

Special thanks to Oga Lexus, Madam Ticha, and everyone contributing to this thread.

Rent money is dead money

congrats, please was it moneybox lisa?

teeebest:
Peterlee - Northeast

We'll soon be neighbours

Nice! Thanks for sharing.

You guys in the North are enjoying ooo.

teeebest:
Peterlee - Northeast

LaXxOnebody:
Congrats!

Congratulations
Do you mind sharing the Lisa you used ? Is it Moneybox ?

Good afternoon everyone, am about to start my mortgage process so I reached out to my bank Lloyd bank and they insist their mortgage criteria is ILR and I’m just 2years here. Can I be advised how to go about this please, I am heartbroken.

Congratulations to everyone that has gotten their keys. Please i need help to really understand the mortgage industry. Rental is killing me. I live in the southeast of England and am currently on a skilled worker visa.I have lived in the UK since 2021 so i am hoping that should count for somehing. I don't earn much—lower than £30k per annum—but I have equity I can drop as a deposit towards the downpayment, but I am looking to buy towards the north. How do I go about it?

jesmond3945:
congrats, please was it moneybox lisa?

Yes, Moneybox.

PrettyPacy:
Good afternoon everyone, am about to start my mortgage process so I reached out to my bank Lloyd bank and they insist their mortgage criteria is ILR and I’m just 2years here. Can I be advised how to go about this please, I am heartbroken.

Go to Barclays OR Halifax (If you (+ your partner) earn up to 100k a year)

PrettyPacy:
Good afternoon everyone, am about to start my mortgage process so I reached out to my bank Lloyd bank and they insist their mortgage criteria is ILR and I’m just 2years here. Can I be advised how to go about this please, I am heartbroken.

Might have to talk to a broker. I would recommend http://the-mortgagestore.co.uk/

PrettyPacy:
Good afternoon everyone, am about to start my mortgage process so I reached out to my bank Lloyd bank and they insist their mortgage criteria is ILR and I’m just 2years here. Can I be advised how to go about this please, I am heartbroken.

it is what is. Unless you have 10 percent deposit you can check barclay.

OgeAppeyteson:
Congratulations to everyone that has gotten their keys. Please i need help to really understand the mortgage industry. Rental is killing me. I live in the southeast of England and am currently on a skilled worker visa.I have lived in the UK since 2021 so i am hoping that should count for somehing. I don't earn much—lower than £30k per annum—but I have equity I can drop as a deposit towards the downpayment, but I am looking to buy towards the north. How do I go about it?

use a mortgage advisor. Since you are on visa you are looking at a minimum of 10 percent deposit, barclay or halifax can do that for now.

jesmond3945:
it is what is. Unless you have 10 percent deposit you can check barclay.

Thank you I will check.

deept:
Might have to talk to a broker. I would recommend http://the-mortgagestore.co.uk/

Thank you will speak to them now.

missb50:
Go to Barclays OR Halifax (If you (+ your partner) earn up to 100k a year)

100k per annum is their criteria ?

PrettyPacy:
100k per annum is their criteria ?

for visa holders

jesmond3945:
for visa holders

Thank you

PrettyPacy:
100k per annum is their criteria ?

Yes, only applies to Halifax for visa holders.

PrettyPacy:
100k per annum is their criteria ?

This should be dependent on the value of the property, not just for those earning 100k.

I got a mortgage as a sole earner on a salary less than 100k from Barclays also on a skilled worker visa and 10% deposit.

Dont rely on what the bank brokers tell you, get a broker from the open market, they are more resourceful and effective at getting mortgages for people.

Advision:
This should be dependent on the value of the property, not just for those earning 100k.

I got a mortgage as a sole earner on a salary less than 100k from Barclays also on a skilled worker visa and 10% deposit.

Dont rely on what the bank brokers tell you, get a broker from the open market, they are more resourceful and effective at getting mortgages for people.

Barclays is more lenient with visa holders. We also got from them. 100K was also a requirement for someone I know who applied with Halifax.

missb50:
Barclays is more lenient with visa holders. We also got from them. 100K was also a requirement for someone I know who applied with Halifax.

how long did it take Barclays to approve your mortgage.

missb50:
Thank God, finally, it's my testimony time!

We got our keys 13/09, and moved in 15/09.

Got over 6k extra using LISA.

Special thanks to Oga Lexus, Madam Ticha, and everyone contributing to this thread.

Rent money is dead money

Congratulations.....

Enjoy your lovely home


More testimonies loading.....

Advision:
This should be dependent on the value of the property, not just for those earning 100k.

I got a mortgage as a sole earner on a salary less than 100k from Barclays also on a skilled worker visa and 10% deposit.

Dont rely on what the bank brokers tell you, get a broker from the open market, they are more resourceful and effective at getting mortgages for people.

Thank you so much

PrettyPacy:
Good evening everyone I have read lot of success stories regarding LISA account. Can the LISA account be opened through an APP called money box? Or rather can someone please advise how to go about it? I am saving towards buying my first home in the UK. Thank you
@everyone

I used moneybox for cash LISA and Dodl for S&S LISA. Both solid

jedisco:
I used moneybox for cash LISA and Dodl for S&S LISA. Both solid

Thank you

@Ticha, please can you recommend a good solicitor for me ? Any other person who has used a good one should recommend too. The solicitor should be “responsive “ ohh. I hear that some of them don’t respond to mails and calls