₦airaland Forum

tjsadiq:
Guys help o... How best to tackle rat issue for house here in the UK.?

Indocid...... It's the magic pill.... They would not die in a tight corner, they always show themselves...... 🐀🐀🐀🐀🙄

Lexusgs430:
Indocid...... It's the magic pill.... They would not die in a tight corner, they always show themselves...... 🐀🐀🐀🐀🙄

Dispensed with prescription

tjsadiq:
Dispensed with prescription

Who would do this for you........ 😂🙄

Get it from 9ja......🤔🤣

Been following house prices for sometime as I'm in the middle of conveyancing and noticed good price drops across board in March - wasn't surprised to come across this article. Half a percent is a sizeable drop for a single month. Also noticed most houses that had a nice drop to become reasonably priced had a sale agreed (STC) quite quickly. It appears folks were on the sidelines waiting to take advantage. Going forward, the stock market shenanigans is likely to dampen prices for a bit longer


With interest rates dropping, it might be a good year for those seeking to buy

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.

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.

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.

Like for like, there is usually a prenium on detached properties. In your case, there are some differences in both but being on thesame development makes it easier to compare.

For the 4-bed semi with 4 toilets, is it across 2 floors? Cos family houses with such are generally priced less as many households with young kids would want the living quarters on one floor for practical reasons. Also, many built that way (i.e 'town houses') tend to be quite narrow of late.

That the 3-bed detached seems to be more sought after already tells you something. I was in a fairly similar dilemma when I bought (with the 4-bed semi being upto 20k cheaper) but was also advised against a semi. Some colleagues in semis have had issues with neighbours especially when you have young kids playing around or neighbours smoking hemp. For one, the only thing he regrets in his house is that it's not detached. Sound insulation between modern semis tend to be good, but even at that, vibration still travels thru.

Finishings are great but they are fixable and come in and out of vougue. There are parts of a house you can't change- in this case detached or semi. Also having a garage with parking for 2 cars would always carry a prenium especially if sited next to the house.

Lastly, you need to factor in your family size and plans ahead. With 3 kids, if you're the type that has family/friends over often, the added space is needed.

For me and with limited details given, I'd largely tilt towards the detached.

jedisco:
Like for like, there is usually a prenium on detached properties. In your case, there are some differences in both but being on thesame development makes it easier to compare.

For the 4-bed semi with 4 toilets, is it across 2 floors? Cos family houses with such are generally priced less as many households with young kids would want the living quarters on one floor for practical reasons. Also, many built that way (i.e 'town houses') tend to be quite narrow of late.

That the 3-bed detached seems to be more sought after already tells you something. I was in a fairly similar dilemma when I bought (with the 4-bed semi being upto 20k cheaper) but was also advised against a semi. Some colleagues in semis have had issues with neighbours especially when you have young kids playing around or neighbours smoking hemp. For one, the only thing he regrets in his house is that it's not detached. Sound insulation between modern semis tend to be good, but even at that, vibration still travels thru.

Finishings are great but they are fixable and come in and out of vougue. There are parts of a house you can't change- in this case detached or semi. Also having a garage with parking for 2 cars would always carry a prenium especially if sited next to the house.

Lastly, you need to factor in your family size and plans ahead. With 3 kids, if you're the type that has family/friends over often, the added space is needed.

For me and with limited details given, I'd largely tilt towards the detached.

Thank you for this detailed response. Yes, the 3 rooms are sufficient for us.

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

It’s not Gleeson. I’ve visited Gleeson’s show room near us, I tend to prefer StoryHome based on reviews.

EJIOGBENIMI:
Thank you for this detailed response. Yes, the 3 rooms are sufficient for us.

I'd say there is a reason the 3-bed seems more popular than the 4 bed. Good chance that does not change anytime soon.

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.

Re the bolded - Do check to be sure you can do that as new builds often have permitted development rights removed, which would mean that you will have to do a full planning application for the conversion, and not just get building control approval.

Depending on why the permitted development rights were removed, it may be difficult to get that approval. For instance, if it's tied to the number of parking spaces available around the house.

I have been a silent follower of this thread. The level of help I have gotten from the information shared here is huge. I want to say a big thank you to all the people who have been giving valuable insights and supports on here.

Finally, our first home buying journey has successfully ended after exactly 2 years and 10 months of arriving in the UK. We got our key yesterday.

sholadele4:
I have been a silent follower of this thread. The level of help I have gotten from the information shared here is huge. I want to say a big thank you to all the people who have been giving valuable insights and supports on here.

Finally, our first home buying journey has successfully ended after exactly 2 years and 10 months of arriving in the UK. We got our key yesterday.

Congrats. Done in good time too.

What was your mortgage interest rate and what duration was it for?

Looking to get a pulse on the market

sholadele4:
I have been a silent follower of this thread. The level of help I have gotten from the information shared here is huge. I want to say a big thank you to all the people who have been giving valuable insights and supports on here.

Finally, our first home buying journey has successfully ended after exactly 2 years and 10 months of arriving in the UK. We got our key yesterday.

Congratulations....... 🎊🎉💐

I hope you did not feel like anyone put you guys under undue pressure....... 😉😂🤣

jedisco:
Congrats. Done in good time too.

What was your mortgage interest rate and what duration was it for?

Looking to get a pulse on the market

I went with Barclays 5 years fixed deal. The interest rate is 4.62%. 90% LTV.

sholadele4:
I have been a silent follower of this thread. The level of help I have gotten from the information shared here is huge. I want to say a big thank you to all the people who have been giving valuable insights and supports on here.

Finally, our first home buying journey has successfully ended after exactly 2 years and 10 months of arriving in the UK. We got our key yesterday.

Congratulations 🎉.... More celebrations

sholadele4:
I went with Barclays 5 years fixed deal. The interest rate is 4.62%. 90% LTV.

It's a fair deal especially considering the LTV

I'm also with Barclays but variable. Can't wait to remortgage

Hi guys.

Will an arranged overdraft of about £2000 affect a person mortgage application?

I saw a 20 years old building ticking all my boxes but with an EPC C(74). The owner has been the occupant, with her family since new. She uses wall paper to design some of the walls. I found them so nice and I may even retain them for a while. I’ve read about people using wall papers to cover up defective parts of their houses. In as much as this doesn’t seem like it, are there other things that I need to look into or be aware of?
House is in Scotland and I have seen the home report of building and nothing was mentioned about any defects in the building.
Again, at what point do I do my own survey?

Co-asking this question. I have always wondered if arranged overdraft usage affects anything in the mortgage process?

NewT123:
Hi guys.

Will an arranged overdraft of about £2000 affect a person mortgage application?

Bukad:
Co-asking this question. I have always wondered if arranged overdraft usage affects anything in the mortgage process?

Don't see how it'd be an issue except if you had a recent credit application or you dip into it often. My understanding is that even if you repay an overdraft withdrawal within a few days, using it in the first place might mean one is struggling with their finances. With credit cards, it's different.
As far as the sums used are a lesser part of ones limit and they're repaid monthly, it shouldn't be an issue. I heard some lenders may ask questions if a regular person has a very large credit allowance.

I had 3k on my overdraft and it didn't even come up

.

jedisco:
Don't see how it'd be an issue except if you had a recent credit application or you dip into it often. My understanding is that even if you repay an overdraft withdrawal within a few days, using it in the first place might mean one is struggling with their finances. With credit cards, it's different.
As far as the sums used are a lesser part of ones limit and they're repaid monthly, it shouldn't be an issue. I heard some lenders may ask questions if a regular person has a very large credit allowance.

I had 3k on my overdraft and it didn't even come up

Thanks for this answer. I had £2500 overdraft limit but reduced it to £2000. However, I do use up my overdraft monthly and pay this in full monthly but use it up the next month. Will this have an issue with my mortgage application!

NewT123:
Thanks for this answer. I had £2500 overdraft limit but reduced it to £2000. However, I do use up my overdraft monthly and pay this in full monthly but use it up the next month. Will this have an issue with my mortgage application!

You can proceed, discuss with a mortgage advisor and see. The most would be them declining.

However dipping into your overdraft monthly may raise flags when they review your bank statement. It shows you can barely survive on ur pay.

Credit cards are different. With overdrafts you pay daily interest on the amount used (at least with my bank) - so it's not a good way of lending except in dire circumstances. With credit cards you dont pay interest if u repay in full at the end of the month.

EJIOGBENIMI:
I saw a 20 years old building ticking all my boxes but with an EPC C(74). The owner has been the occupant, with her family since new. She uses wall paper to design some of the walls. I found them so nice and I may even retain them for a while. I’ve read about people using wall papers to cover up defective parts of their houses. In as much as this doesn’t seem like it, are there other things that I need to look into or be aware of?
House is in Scotland and I have seen the home report of building and nothing was mentioned about any defects in the building.
Again, at what point do I do my own survey?

Most regular buildings of that age would have an EPC of C except the owner had gone out of their way to upgrade it.

I may be wrong but the main issue with wallpapers would be covering damp. Surveyors have a device that can detect damp behind such. Truth be said, a 20yo house is almost 'new build' and unlikely to have major issues if well built and looked after. Worth noting that most boilers and double-glazed windows tend to 'expire' around this time. This is what I've noticed when I viewed houses of that age. New carpets would also be expected.

I booked a survey once sale price was agreed and solicitors involved. I think its worth getting it done early so if anything major comes up, you can walk away or renegotiate without feeling like you've put in too much

If our mortgage was to increase by £500 pcm, how would we cope?....🤔


https://www.dailymail.co.uk/news/article-14634967/Mother-died-mortgage-increase-benefits-rejection.html?ito=native_share_article-nativemenubutton

jedisco:
You can proceed, discuss with a mortgage advisor and see. The most would be them declining.

However dipping into your overdraft monthly may raise flags when they review your bank statement. It shows you can barely survive on ur pay.

Credit cards are different. With overdrafts you pay daily interest on the amount used (at least with my bank) - so it's not a good way of lending except in dire circumstances. With credit cards you dont pay interest if u repay in full at the end of the month.

Thanks

Lexusgs430:
If our mortgage was to increase by £500 pcm, how would we cope?....🤔


https://www.dailymail.co.uk/news/article-14634967/Mother-died-mortgage-increase-benefits-rejection.html?ito=native_share_article-nativemenubutton

Sorry for her loss
With recent changes to PIP, there'd be lots of such stories in the coming months

jedisco:
Sorry for her loss
With recent changes to PIP, there'd be lots of such stories in the coming months

Wow.... That means loads of properties would now be available for immigrants to buy...... (since everything is now about immigrants)..... 🙄

Lexusgs430:
Wow.... That means loads of properties would now be available for immigrants to buy...... (since everything is now about immigrants)..... 🙄

Hehe... na their way

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…

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