080bjaked:
Please I'm seeking advice. Royalmail misplace my passport sometime in Feb. Now I'm trying to apply for a new one but cos of the requirement of the NG commission in UK, I need a Police report. Unfortunately, it seems UK Police stations don't give reports for lost items. Has anyone had a similar issue and how was it addressed please?

UK Police Stations do, last time I checked. There's even a link to do it online, the portal used to be called "Report My Loss", just google it.

mex551:
I have the same concern too. Even in this my 1940 build, you still hear tatatatata in the oza room. My Oyibo neighbours won’t let me sleep. Why is youkay like this?👀

It's indeed a major concern. We had to ask our neighbours and they confirmed they don't hear any noise from ours and we also don't hear from them either. Between 2 different houses, there's sufficient sound proofing, it's required by the Building Regulations for new houses.

Where the wahala is is across rooms in the same house. That's an absolute mess. The pro for parents is that they can easily hear their kids from another room but it's a major worry that bed activities from the Masters bedroom can probably be heard.

miidae:
Good day everyone Please I need your honest advice My husband is on a student visa which will expire Sept 2025, he came in sept 2023 and I joined him 27th of March, 2024.
When I got here hubby said I shouldn’t bother looking for my job here because I won’t get sponsorship that he already has a care job for me (got my brp on Wednesday and awaiting NI)
I have over 7yrs of experience in QA/QC in pharma, my last roles was QAM, I got the offer fews weeks before traveling which I rejected.
I edited my CV to UK format and applied on job sites like indeed and LinkedIn. I got interviewed by some agencies and companies (I have one interview next Monday with a big pharm coy).
Each time I get interviewed the last question is do I need sponsorship my answer is always yes as suggested by hubby.
I’m just tired, he said sponsorship is the real deal
Is it possible to get sponsorship in my career line?
Do I take the care job as suggested by hubby?
Do I stop applying?

In addition to the numerous contributions, you can consider answering "no" to the sponsorship question and see if it helps you land a role. You can use the role to break into the UK market and move to another Company afterwards or even request for a sponsorship after 6 months of probing your worth. In the meantime, you stay on PSW Visa.

toughest007:


Yea, I get your point. But from a curious perspective, running a taxi service on a fleet of MB (older models) begs to wonder how they are able to sustain their profit margin while at the same time compete with other taxi operators having fleet of vehicle as the type the OP is looking at buying.

They buy those Benz because luxurious cars are prioritized for Airport trips by the Taxi Company. A driver can earn more than £200 on a single Airport trip. 1 or 2 Airport trips and they can close for the day. So those other City journeys are just make-ups. While a Prius will have less chance of making such money.

Lexusgs430:


You don't need this policy...... You would get more value from an income protection insurance or life insurance policy..........

My thoughts exactly, but we're not financial or insurance advisers so we can't be sure.

Personally, I think many of these insurance products overlap and are not necessary.

ToyosiR:
Hello All,

I just discussed with a Mortgage advisor and I am about to accept the mortgage in principle of 95% LTV. I have 5% deposit.

When will I need a solicitor? What other thing should I watch out for?

Kindly help a newbie.

@Lexusgs430: please I will also like to send you a mail or your contact if you wouldn't mind.

Ironically, Mortgage in Principle isn't particularly a guarantee unfortunately. I would be impressed if you're given a 95% LTV as a Visa Holder.

Please let us know how this plays out, would be a good learning point.

Iolo:


Broker Threshold Mortgages. Lender Santander.

Was this also 10% or 25%+ deposit?

Santa2:


@Pearlyfaze, how long did it take between when the mortgage advisor applied for your mortgage and when you got the offer? Using Barclays too so I just want to get an idea of the timeframe. Make the thing come quick so that I fit sleep well abeg.lol

@Solumtoya I believe you used Barclays too, could you shed some light on this timeline?

Daalu

3 weeks. Usually 2 weeks though, mine had some delay

Santa2:


I understand you get like a month or two before repayments start to kick in,

Not true... They won't give you even 1 day off. I made my first repayment exactly 1 month after the completion and it was prorated for almost 7 weeks. Completed 15th Dec, paid first Mortgage repayment 15th Jan for half of December and whole of January.

Santa2:


Did you converse with you neighbours before firming up on your place? I have been thinking of chatting up with the neighbours in the development just to get a general sense of their experience, so one can draw experience from. but in this land of mind you business, I dont know if its a good Idea.

It's a good idea to ask the neighbours and they usually want to help but I really wasn't interested in doing so.

I also noticed that most developments have a Facebook group where you can ask questions, but again it may be a private group and they may require you to be a resident first before joining

The Developers would usually update their list of vendors often and remove Solicitors or Brokers that have lots of complaints from buyers or are slow. Another advantage is that you're not worried about giving feedback to the Developers. The Broker/Solicitor carry them along and get necessary waivers from the Developer where necessary, there are actually many benefits

Estroller:


You can get a mortgage with any credit score, but how competitive your interest rate is will depend on your credit profile/history and not necessarily your credit score. So I'll focus more on the latter than the former.

I hear this a lot but how true is it? In case of many of the big Lenders, the interest rate is fixed and doesn't vary with credit score. The application is either denied or approved, interest rate is as stated on the lender's website.

Anyone else has similar experience?

Santa2:


@Solumtoya Did you go with the solicitors recommended by the developers or you sourced yours yourself? If you got your solicitor yourself? What did you look out for in getting it. Need to get a conveyance but I dont want to go with the developer recommended. Currently going through comparison sites but I would have preferred one from someone with positive experience.

Solicitors recommended by the developer. I hoped they would have all the experience, documentation, etc needed for that development since they may have done it for 100s of my other neighbours, plus the Developers would recommend vendors that are fast and smooth in their process. Overall, had no major issues with them, of course except, I noticed late that their price was very high.

Even my Mortgage broker was from the developer and that turned out super helpful. The brokers negotiated a good incentive for me since they had a relationship with the developer. My previous request for the incentive was declined but the broker basically told the developer: "this guy's eligibility is great and all he needs is this incentive" and in minutes, developer approved.

Many people advise against it saying "the broker/solicitor might protect the interest of the developer instead of yours" and I understand that opinion.

PS.: The Developers would usually update their list of vendors often and remove Solicitors or Brokers that have lots of complaints from buyers or are slow. Another advantage is that you're not worried about giving feedback to the Developers. The Broker/Solicitor carry them along and get necessary waivers from the Developer where necessary, there are actually many benefits

Santa2:
I am considering getting a Town house (3 floors) , as it has more space/rooms as against a 2 floors home (one storey), at same price point . But I understand that when it come to reselling it might be more difficult to sell off. This is going to be our first purchase, I know somewhere in the future we would move to our forever home, am hoping before the 10 year NHBC expires. So I definitely would need to sell at some point but I just wanted to find out if anyone has experience with selling off town houses or pro/cons of living in them.

Townhouses are great, they have their pros and cons. I chose a Townhouse for the same reason: more space. The whole selling off thing doesn't bother me so much, I actually hope I don't have to sell it even when I move, I'd rather just rent it out and add to my portfolio. They have several other pros: better heating, better separation of rooms (no visitor can wander into the top floor unless told to), better view from the top, etc.

The disadvantage is obviously the stairs. More stairs means more cleaning, more stress, more room for accidents especially with toddlers and elderly. I love the stairs as it helps with fitness. Another downside is that the loft will be much smaller typically.

fatima04:
Na wa small time away pages don full ground.

Adulting, life abroad, work, family no be play

Nice catching up with the bants, love, success stories, politics, trash talking and all.

Congrats to Justwise you deserve your flowers 💐 💛, S25 Ultra loading

The original boss lady of the thread! Welcome back. Been a minute, a lot has happened, but it's been good here overall.

Bourne007:
It depends

If previous leave is still valid, you can withdraw (cancel) or vary application.

If previous leave ended, you need to vary your application.

Previous leave is still valid till tomorrow, I think

Santa2:


I got full refund of IHS and graduate visa fee as I had not received a decision on the graduate visa before I made in a new application and cancelled the graduate visa application.

I have someone in this same situation. She applied for Graduate visa on Monday, and got COS the next day. So she's applying for Tier-2 now. All she has to do after applying for Tier-2 is to cancel her Graduate visa application, right?

missjekyll:
Hi people, How do I determine how much to offer on a house.

I want to offer just enough to look serious but I don't want to give up the whole farm on an initial offer. Thanks in advance

I was gonna try and respond but chatgpt put it better:

"When determining your initial offer on a house, research comparable property sales in the area, assess the property's condition, and consider market trends. Aim for a competitive but reasonable offer, leaving room for negotiation. You can express your seriousness by presenting a well-documented offer and expressing genuine interest without revealing your maximum budget upfront."

I use rightmove to find out prices of similar recent houses sale in the area and price accordingly

BouharryArtikou:


Are you sure they will be exempted? Even for kids that were not Born in the UK?
Even for kids that were born in Nigeria and only brought in as Tier-4 dependants??

Of course, they won't be exempted. Overstaying is a criminal offence whether over 18 or under 18.

Zahra29:


1. The parents visas might not be approved as Home office might enquire about the whereabouts of the children (if they were included in the student visa application)

2. If the parents visas are approved without applying for the children, then the children fall out of status/become overstayers. They will not be able to re enter the UK if they leave for whatever reason e.g. holidays, and they no longer qualify for free non emergency NHS treatment, which means their parents might get sent a bill for any hospital treatments.

3. Might not matter in the long term if the parents plan to leave the UK eventually. However the points in #2 still apply while they are based in the UK. Plus any periods of overstaying will be noted on the children's records

You forgot to add that it is a criminal offence to overstay and they may be subjected to a monetary fine, jail time, or both. They also risk being detained and deported from the UK in addition to a ban.

Cc: farnet

Mamatukwas:


How did you manage to get the wifi extenders please? I need them but reaching virgin to request has been such a hassle.

You can buy them on Amazon. If I check, I might even have one I can give away.

Santa2:


Around what point is the deposit usually transferred to Solicitor. is it usually around exchange of contracts, or usually at completion. I understand it might be different with each application. But just want to have an overview.

Yes, ideally it's just before Exchange of Contracts but can be anytime till Completion. Because my LISA was not 1 year yet by Exchange of Contracts, I got a waiver to exchange without paying deposit and paid just before Completion.

The Solicitor really just holds the deposit till Completion but they want to have it by the time you Exchange to avoid stories.

specialenvoy:
Please for those that have withdrawn funds from Moneybox for Home Purchase, How long does it take Moneybox to credit your solicitor?

About 1 week or 3 days.

Noworries11:
Elders... mumcy preparing to return back to naija aftet omugwo. ..
Just wish she can stay more however we will sure apply for 2years

Please I don run out of ideas,
Like this, we are planning on cheap articles to buy way mumcy go share as per obodo oyibo returnee.. people back home just dey call make she buy London Bridge while coming back

Biko elders, make una give me ideas... I don buy plenty chi chi sweet and some chocolates
For close family members, I intend to buy cheap discounted perfumes (where can buy this as we want to buy in bulk). Thinking towards selected items for primark as well

Please elders make una share ideas with me coz this people think say obodo oyibo nah money full am... I no gree for them

There are these perfumes they sell in Poundland for £1. You can buy up to 40 if you wish. You have to hunt for it cos the run out of stock easily.

You can get packs of face towels in Primark too.

For Mumcy, uou can select some good gowns from SHEIN.

Instead of chocolates and candy, if there are children, you can throw in some Multivitamins from Aldi.

If there is a Dad back home expecting gifts, you can go to Lidl and get some variety of nuts.

These are just random ideas... Look out for things on sale in shops like Primark - Kids clothings and shoes, Tshirts, handbags, headscarfs, toothpaste, etc.

Remember to stay within budget, people back home don't care. As long as it's abroad item, they'll be glad they were remembered.

Lexusgs430:


Be careful when you tick locked garage etc etc ..... If vehicle is stolen at home and the insurance assessor checks your property and vehicle was parked on the road........

Your insurance would be voided......... Oti je gbèsè ní yín ...... Ka shiga bashi......... eji m ụgwọ........ 😁🤣😜

Some insurance companies even ask you for proof of your locked garage. One should avoid telling lies to reduce insurance premium.

One way that helps, according to folks, is by getting a quote on Admiral website and then calling them to discuss and negotiate the premium and bring it down.

If you're buying a car like these of £10k+,
1. Better to buy from a Dealer, ensure it has like 10 to 12 months MOT.
2. Run a vehicle check on the vehicle to avoid surprises. CarVertical is a good company that provides this service.
3. Investigate imported cars well or just avoid them.
4. Check the MOT History, looking out for any inconsistencies in Mileage, recurring advisory, etc.
5. Very IMPORTANT: Request a Warranty from the Dealer. You may be required to pay for it, but try and get like a 1 or even 3 year warranty. Imagine the peace of mind that comes with knowing that your dealer will fix (parts and labour) any single issue that comes up for the next 3 years. They may charge as much as £500 per year but it's worth it.
6. To get better value for money, be flexible with Mileage. A 40k mileage and a 60k mileage will typically have price difference but will serve most times similarly.

Tier4Dependant:


How about Nissan Qashqai, 2015 upwards, Do you reckon it’s a good buy?

Many of these Japanese car are quite reliable so you'd get great money's worth from them without the hefty price tag. These are cars that you mught be able to flog till 200k miles. Nissan might not be on top of the list but fair enough.

donald197:
Thank you very much

Also, if you're financing the car, don't use the dealers or comparison sites, etc. Their rates are quite high (28% to 40%+). If you can't get single digit from your bank, use an App called Carmoola and thank me later. You'd get like 14% there and the best user experience ever.

donald197:
Good morning elders, I am shopping for mid range SUV. please who has a review for Hyundai Tucson 1.6 Tgdi 2021?

It's a very decent car. Another good one is the Mazda CX5

gergemam:


Not Auction 😞

The Price as shown by the Agent Online is 55K quid and new build around the area is from 100K quid.

Daddy no go there oooooo... 🥺🥺🥺

Please what location is this? I need to check it out

And no LISA isn't compulsory at all.

EJIOGBENIMI:
Hello house. I’ll be 1 year in the uk by ending of next month. I opened Moneybox today and I funded my LISA with 3,500. I also put an order for a weekly deposit of £45 and monthly boost of 1000.
I am totally green when it comes to buying a property in the uk.
I don’t have a credit card. No other source of income aside from my salary.
What other things can you suggest to boost my chances of meeting up with the requirements of buying my first property in 1 year time?
My target is to save abt 40k in addition to my LISA contribution. Planning to buy home in Scotland.

If you read through this thread and ask questions there, you'd be just fine:

https://www.nairaland.com/7534564/living-uk-propertymortgage-related

Lexusgs430:



I have lived in a new build property..... Once NHBC insurance was about to expire, sold it and moved into a proper house.........😭🤣😁

Now you're talking. You enjoyed the sweetest 10 years with warranty till the house was becoming Old (Build) and ran away.

mohtunrahyor:



Hi Solumtoya, I would like to know if the £370 you paid for the snagging list includes VAT and if you can recommend the company. Thanks

Yes, VAT incl, however, the Snagging Inspector you use depends on your location. I'd advise you use a Comparison website like CompareMyMove or just google Snagging Inspectors near you, then check their reviews online. Better still, get a recommendation from Home owners around.

I used Snagbuddy Ltd. They tried, won't say they were fantastic but they got the work done and were highly recommended by my neighbours.