₦airaland Forum

Abuja1914:
Good evening to all the elders in the House. Please, I want to ask if a gift of £2000 from friends to add up to the 10% of deposit when doing AIP will not serve as a red flag.

Please, I need urgent answer as my offer has been accepted.

No it won't. Just make sure the person documents the gift and sign off. Any gift less than 10k will not require the relative to provide bank statement. Also note that only your family member van gift you gifted deposit.

elengine:
No it won't. Just make sure the person documents the gift and sign off. Any gift less than 10k will not require the relative to provide bank statement. Also note that only your family member van gift you gifted deposit.

Although some banks accept friends but majorly your family like cousin etc

Thanks so much, I quite appreciate your explanations.

elengine:
Although some banks accept friends but majorly your family like cousin etc

Abuja1914:
Good evening to all the elders in the House. Please, I want to ask if a gift of £2000 from friends to add up to the 10% of deposit when doing AIP will not serve as a red flag.

Please, I need urgent answer as my offer has been accepted.

I think you need to hold the gift for over 6 months to be able to use it as deposit, but check with a broker to confirm.

Atk1nson:
I think you need to hold the gift for over 6 months to be able to use it as deposit, but check with a broker to confirm.

Thanks so much, I would make findings from my broker.

C[quote author=babajeje123 post=133090104]Congratulations!!
May I ask if this is new build house that the bank accepted 5 percent deposit?

Short post alert…
Good evening everyone, I have come to give God the glory and appreciate everyone here who encourages and give free and detailed information about mortgage, thank you. I got the house keys today and the feeling can not be described… thank you everyone, thank you.

Congratulations!
where is the house party?
when you have the time share your lessons learnt from your journey.

PrettyPacy:
Short post alert…
Good evening everyone, I have come to give God the glory and appreciate everyone here who encourages and give free and detailed information about mortgage, thank you. I got the house keys today and the feeling can not be described… thank you everyone, thank you.

fetomowo:
Congratulations!
where is the house party?
when you have the time share your lessons learnt from your journey.

Thank you
Location for house party is loading 😀😀
Off course will come back with full gist.

PrettyPacy:
Short post alert…
Good evening everyone, I have come to give God the glory and appreciate everyone here who encourages and give free and detailed information about mortgage, thank you. I got the house keys today and the feeling can not be described… thank you everyone, thank you.

Just in time for Christmas. Congratulations and well done!

Congratulations Pacy.

PrettyPacy:
Short post alert…
Good evening everyone, I have come to give God the glory and appreciate everyone here who encourages and give free and detailed information about mortgage, thank you. I got the house keys today and the feeling can not be described… thank you everyone, thank you.

LaXxOnebody:
Congratulations Pacy.

Thank you

deept:
Just in time for Christmas. Congratulations and well done!

Thank you

PrettyPacy:
Short post alert…
Good evening everyone, I have come to give God the glory and appreciate everyone here who encourages and give free and detailed information about mortgage, thank you. I got the house keys today and the feeling can not be described… thank you everyone, thank you.

Congratulations....great achievement.

More celebrations to your new HOME....

Alhamdulilah

Keys in our hands.

I'm here to show my appreciation to everyone that I have been contributed positively to this group.

Special appreciation to @lexusgs430 and @madam Ticha, your valuable support and advice really go a long way in purchasing our first home. Thank you so much your time despite calling and emailing at odd hours, you still find time to respond.

I'm happy to inform everyone that we got our keys to our first home yesterday and we happy to start our beautiful journey in this beautiful 3bedroom semi-detached new build property.

All the developer had their own incentive and try to push for more incentive if you are looking to buy a new build. Our property came with 5% deposit contribution, 50% flooring packages upgraded garden and integrated dishwasher, I did not go for upgraded kitchen.

Mr @lexusgs430 really helped me to push for more when my lender undervalued the property with £10k however we negotiated the price and the property was reduced by 5k abs was given full integrated kitchen.

My journey to purchase a house started in March despite that I'm not up to 2years in the country, I have been able to gained more knowledge in house buying, thanks to this group for dropping valuable informations.

This year make it 2years we came in to this country and Alhamdulilah we able to purchase our first home where we are hoping and believes our little ones are going to creates everlasting memories.

May almighty God make it easy and possible for everyone.

Rent money 💰 is a dead 💰

That is out Motto.

ukay2:
Congratulations....great achievement.

More celebrations to your new HOME....

Thank you

Kunleop:
Alhamdulilah

Keys in our hands.

I'm here to show my appreciation to everyone that I have been contributed positively to this group.

Special appreciation to @lexusgs430 and @madam Ticha, your valuable support and advice really go a long way in purchasing our first home. Thank you so much your time despite calling and emailing at odd hours, you still find time to respond.

I'm happy to inform everyone that we got our keys to our first home yesterday and we happy to start our beautiful journey in this beautiful 3bedroom semi-detached new build property.

All the developer had their own incentive and try to push for more incentive if you are looking to buy a new build. Our property came with 5% deposit contribution, 50% flooring packages upgraded garden and integrated dishwasher, I did not go for upgraded kitchen.

Mr @lexusgs430 really helped me to push for more when my lender undervalued the property with £10k however we negotiated the price and the property was reduced by 5k abs was given full integrated kitchen.

My journey to purchase a house started in March despite that I'm not up to 2years in the country, I have been able to gained more knowledge in house buying, thanks to this group for dropping valuable informations.

This year make it 2years we came in to this country and Alhamdulilah we able to purchase our first home where we are hoping and believes our little ones are going to creates everlasting memories.

May almighty God make it easy and possible for everyone.

Rent money 💰 is a dead 💰

That is out Motto.

Congratulations to you and your household. More blessings.

PrettyPacy:
Short post alert…
Good evening everyone, I have come to give God the glory and appreciate everyone here who encourages and give free and detailed information about mortgage, thank you. I got the house keys today and the feeling can not be described… thank you everyone, thank you.

Congratulations to you and your household.

More blessings...

Congratulations!

Kunleop:
Alhamdulilah

Keys in our hands.

I'm here to show my appreciation to everyone that I have been contributed positively to this group.

Special appreciation to @lexusgs430 and @madam Ticha, your valuable support and advice really go a long way in purchasing our first home. Thank you so much your time despite calling and emailing at odd hours, you still find time to respond.

I'm happy to inform everyone that we got our keys to our first home yesterday and we happy to start our beautiful journey in this beautiful 3bedroom semi-detached new build property.

All the developer had their own incentive and try to push for more incentive if you are looking to buy a new build. Our property came with 5% deposit contribution, 50% flooring packages upgraded garden and integrated dishwasher, I did not go for upgraded kitchen.

Mr @lexusgs430 really helped me to push for more when my lender undervalued the property with £10k however we negotiated the price and the property was reduced by 5k abs was given full integrated kitchen.

My journey to purchase a house started in March despite that I'm not up to 2years in the country, I have been able to gained more knowledge in house buying, thanks to this group for dropping valuable informations.

This year make it 2years we came in to this country and Alhamdulilah we able to purchase our first home where we are hoping and believes our little ones are going to creates everlasting memories.

May almighty God make it easy and possible for everyone.

Rent money 💰 is a dead 💰

That is out Motto.

Abuja1914:
Congratulations to you and your household.

More blessings...

Thank you
Amen

Kunleop:
Alhamdulilah

Keys in our hands.

I'm here to show my appreciation to everyone that I have been contributed positively to this group.

Special appreciation to @lexusgs430 and @madam Ticha, your valuable support and advice really go a long way in purchasing our first home. Thank you so much your time despite calling and emailing at odd hours, you still find time to respond.

I'm happy to inform everyone that we got our keys to our first home yesterday and we happy to start our beautiful journey in this beautiful 3bedroom semi-detached new build property.

All the developer had their own incentive and try to push for more incentive if you are looking to buy a new build. Our property came with 5% deposit contribution, 50% flooring packages upgraded garden and integrated dishwasher, I did not go for upgraded kitchen.

Mr @lexusgs430 really helped me to push for more when my lender undervalued the property with £10k however we negotiated the price and the property was reduced by 5k abs was given full integrated kitchen.

My journey to purchase a house started in March despite that I'm not up to 2years in the country, I have been able to gained more knowledge in house buying, thanks to this group for dropping valuable informations.

This year make it 2years we came in to this country and Alhamdulilah we able to purchase our first home where we are hoping and believes our little ones are going to creates everlasting memories.

May almighty God make it easy and possible for everyone.

Rent money 💰 is a dead 💰

That is out Motto.

Congratulations 🎉🎉..

I like to hear this always...

Many more home owners in 2025.....Amen.

Enjoy your new home 🏠....

Kunleop:
Alhamdulilah

Keys in our hands.

I'm here to show my appreciation to everyone that I have been contributed positively to this group.

Special appreciation to @lexusgs430 and @madam Ticha, your valuable support and advice really go a long way in purchasing our first home. Thank you so much your time despite calling and emailing at odd hours, you still find time to respond.

I'm happy to inform everyone that we got our keys to our first home yesterday and we happy to start our beautiful journey in this beautiful 3bedroom semi-detached new build property.

All the developer had their own incentive and try to push for more incentive if you are looking to buy a new build. Our property came with 5% deposit contribution, 50% flooring packages upgraded garden and integrated dishwasher, I did not go for upgraded kitchen.

Mr @lexusgs430 really helped me to push for more when my lender undervalued the property with £10k however we negotiated the price and the property was reduced by 5k abs was given full integrated kitchen.

My journey to purchase a house started in March despite that I'm not up to 2years in the country, I have been able to gained more knowledge in house buying, thanks to this group for dropping valuable informations.

This year make it 2years we came in to this country and Alhamdulilah we able to purchase our first home where we are hoping and believes our little ones are going to creates everlasting memories.

May almighty God make it easy and possible for everyone.

Rent money 💰 is a dead 💰

That is out Motto.

Congratulations...... 🎊💐🎊

You guys did the hard work..... Time to start growing your equity....... 😁

Lexusgs430:
Congratulations...... 🎊💐🎊

You guys did the hard work..... Time to start growing your equity....... 😁

Thank you so much for your support

ukay2:
Congratulations 🎉🎉..

I like to hear this always...

Many more home owners in 2025.....Amen.

Enjoy your new home 🏠....

Thank you so much sir.

Your house testimony is so inspiring.

Many more success for us all

Congratulations Kunleop and Pretypacy! Have a great time in your new places!

Merry Christmas 🎄🎁 Everyone....

ukay2:
Merry Christmas 🎄🎁 Everyone....

Merry Christmas

Goodenoch:
Congratulations Kunleop and Pretypacy! Have a great time in your new places!

Thank you

Congrats @Kunleop and @Pretypacy
2 yrs was quick.

Good news to end the year.

Hi Guys,
I spoke to a broker today,and told her about my status as a visa holder and gave her other details as requested. I told her I've got a deposit of 15k and looking for a mortgage of 300k which is 5%.

After everything she said I could get a mortgage value of 218k at 5.99% fixed for 5years.

My question is can I get rate lower than 5.99 % and higher mortgage value at the same 5% deposit?.

AOI2016:
Hi Guys,
I spoke to a broker today,and told her about my status as a visa holder and gave her other details as requested. I told her I've got a deposit of 15k and looking for a mortgage of 300k which is 5%.

After everything she said I could get a mortgage value of 218k at 5.99% fixed for 5years.

My question is can I get rate lower than 5.99 % and higher mortgage value at the same 5% deposit?.

nope. Unless 10%

It's possible if you're buying a new build where the the developer is willing to boost your deposit by 5%. That'll bring the total deposit to 10% and you can unlock better interest rates.

Barclays currently has 4.71% for 5 years fixed on new builds with energy band A - B. I'd presume most new builds will fall into that category.

AOI2016:
Hi Guys,
I spoke to a broker today,and told her about my status as a visa holder and gave her other details as requested. I told her I've got a deposit of 15k and looking for a mortgage of 300k which is 5%.

After everything she said I could get a mortgage value of 218k at 5.99% fixed for 5years.

My question is can I get rate lower than 5.99 % and higher mortgage value at the same 5% deposit?.