NewStats: 3,263,913 , 8,181,859 topics. Date: Sunday, 08 June 2025 at 06:13 PM 3s4g16

Please can someone whom the government in UK gave free housing be allowed to invite someone in Nigeria over

Gallantboy213:
Please can someone whom the government in UK gave free housing be allowed to invite someone in Nigeria over

Free housing in what context?
Is the invitation for a visit visa?

Hi everyone

Can someone on a visa get a mortgage for a buy to let? The person is not a first time buyer.

Congratulations to all the newest Landlords in the House. This 2025 this Family will have more Landlords. RENT MONEY IS STILL DEAD MONEY.

Who in this house lives in Scotland (Glasgow), I want to connect as we plan to move back to Scotland (Glasgow).

But my biggest challenge is selling my newly bought house, which is less than a year on a 5-year fixed Barclays Mortgage. Please elders if you have an idea of how I can pull this, Please advise.

ukay2:
MARKET ALERT...

GOOGLE share crosses $190 from km $86


COSTCO crosses km $1,000 from km $500


TIME in the market is always better than TIMING the market

After buying your house, the next good thing to do is to invest in the USA market…….thank me later

Hey…I hope you’re doing great! If you don’t mind me asking, what US shares are you currently buying? Are you going for short-term gains or holding them long-term? Thanks!

Hi, I think you can go through real estate agents to sell your house and engage your lender to port your mortgage to a new property if you intend to buy immediately in Glasgow.

Just to ask, were you based in Glasgow before because you mentioned you’re moving back. Reason for asking if because we might be moving to Glasgow this year, hence trying to figure out good areas to rent or buy a house.

Cheers

Pearlyfaze:
Congratulations to all the newest Landlords in the House. This 2025 this Family will have more Landlords. RENT MONEY IS STILL DEAD MONEY.

Who in this house lives in Scotland (Glasgow), I want to connect as we plan to move back to Scotland (Glasgow).

But my biggest challenge is selling my newly bought house, which is less than a year on a 5-year fixed Barclays Mortgage. Please elders if you have an idea of how I can pull this, Please advise.

DadR:
Hi, I think you can go through real estate agents to sell your house and engage your lender to port your mortgage to a new property if you intend to buy immediately in Glasgow.

Just to ask, were you based in Glasgow before because you mentioned you’re moving back. Reason for asking if because we might be moving to Glasgow this year, hence trying to figure out good areas to rent or buy a house.

Cheers

We were living in Edinburgh and moved to Newcastle two years ago.
We want to move back to Scotland and Wifey said she wants Glasgow. Me been want Dunfermline or Kirckady (FIFE).

diggz:


Hey…I hope you’re doing great! If you don’t mind me asking, what US shares are you currently buying? Are you going for short-term gains or holding them long-term? Thanks!

VISA
Microsoft
Google
AMAT
TOAST
CNQ
ABR
Vanguard S&P 500

Many others.....



I am a very long-term capital market investor

ukay2:



VISA
Microsoft
Google
AMAT
TOAST
CNQ
ABR
Vanguard S&P 500

Many others.....



I am a very long-term capital market investor

Thanks a lot!

Oh nice. All the best!

Pearlyfaze:



We were living in Edinburgh and moved to Newcastle two years ago.
We want to move back to Scotland and Wifey said she wants Glasgow. Me been want Dunfermline or Kirckady (FIFE).

ukay2:



VISA
Microsoft
Google
AMAT
TOAST
CNQ
ABR
Vanguard S&P 500


For a long term investment, do you have any penny stock you ve studies and can recommend

Many others.....



I am a very long-term capital market investor

[quote author=elengine post=133636382][/quote]

I’m not the one you quoted but just my two pence about penny stocks: avoid them, especially for your long term goals - they’re basically gambling.

For long term, keep your money in an all world or S & P 500 index and leave it alone. You can then invest a fraction of your funds in very large cap stocks (e.g. the Magnificent 7) if you’re younger and/or have a higher risk tolerance.

Goodenoch:


I’m not the one you quoted but just my two pence about penny stocks: avoid them, especially for your long term goals - they’re basically gambling.

For long term, keep your money in an all world or S & P 500 index and leave it alone. You can then invest a fraction of your funds in very large cap stocks (e.g. the Magnificent 7) if you’re younger and/or have a higher risk tolerance.

Thank you for your response. I really appreciate it. Yes I have Snp 500 and a few of them including the high dividend paying. For the penny stock, I think it is not a bad idea if you can gamble with little quids and if you lose it, it won't hurt. I have penny stock and I am looking for more to buy if it meets my set criteria.

Stumbled upon this.

BTL dey enter my eye ooo. Anyone here on that pathway? Can people confirm if the stated yeild matches what they have in their local area.
@Missjekyll and other socialists, this is not for you

jedisco:
Stumbled upon this.

BTL dey enter my eye ooo. Anyone here on that pathway? Can people confirm if the stated yeild matches what they have in their local area.
@Missjekyll and other socialists, this is not for you

I m not a socialist...I believe in regulated capitalism and democracy which makes me a democratic socialist.

Do you know about the new renters right bill which is coming in this year? You should probably study it before you BTL,jedisco

missjekyll:


I m not a socialist...I believe in regulated capitalism and democracy which makes me a democratic socialist.

Do you know about the new renters right bill which is coming in this year? You should probably study it before you BTL,jedisco

Hehe... Capitalist + democracy = democratic Capitalist. Abi my eye dey do me strong thing?

Renters bill? I'm almost regretting having cold feet earlier cos rents are on the increase as older landorn have cashed out. With other assets hoing bokers and interest rates dropping, wouldn't surprise me if house prices pick up. I called an agent regarding a well located property I saw over Christmas, chap said they had over 20 viewings and vendor has already asked for best and final offer.

Rent controls in Scotland has caused a severe spike in rent. In Argentina, eliminating rent controls caused a 40% drop in rent. I gather parts of its very difficult to find a rental in some places. Sometimes, the best way to intervene in a market is by going back to the basics of supply vs demand

jedisco:


Hehe... Capitalist + democracy = democratic Capitalist. Abi my eye dey do me strong thing?

Renters bill? I'm almost regretting having cold feet earlier cos rents are on the increase as older landorn have cashed out. With other assets hoing bokers and interest rates dropping, wouldn't surprise me if house prices pick up. I called an agent regarding a well located property I saw over Christmas, chap said they had over 20 viewings and vendor has already asked for best and final offer.

Rent controls in Scotland has caused a severe spike in rent. In Argentina, eliminating rent controls caused a 40% drop in rent. I gather parts of its very difficult to find a rental in some places. Sometimes, the best way to intervene in a market is by going back to the basics of supply vs demand

I would tread with caution wrt btl especially with the increasing regulations, besides why should you own more than one property when people are struggling to and can't afford to buy their own homes. Have you considered short term rentals, seems to give more returns than traditional BTL. It's folks like you that increase demand thereby cause house price inflation. The stamp duty on second homes generate tax revenue for the govt, you are rich we need to tax you more.

Interests rate coming down, no one can predict. With the trend on inflation turning back up and economic uncertainties plus trump in a couple of days if you ask me id say hold and have a sense of where things a will go.

jedisco:


Hehe... Capitalist + democracy = democratic Capitalist. Abi my eye dey do me strong thing?

Renters bill? I'm almost regretting having cold feet earlier cos rents are on the increase as older landorn have cashed out. With other assets hoing bokers and interest rates dropping, wouldn't surprise me if house prices pick up. I called an agent regarding a well located property I saw over Christmas, chap said they had over 20 viewings and vendor has already asked for best and final offer.

Rent controls in Scotland has caused a severe spike in rent. In Argentina, eliminating rent controls caused a 40% drop in rent. I gather parts of its very difficult to find a rental in some places. Sometimes, the best way to intervene in a market is by going back to the basics of supply vs demand

You know if you just googled those 2 for 2 secs, you would see the difference? Estate agents lie all the time,you know that. Pull up the renters right bill on the parliament website and peruse it before you btl. Probably best

deept:


I would tread with caution wrt btl especially with the increasing regulations, besides why should you own more than one property when people are struggling to and can't afford to buy their own homes. Have you considered short term rentals, seems to give more returns than traditional BTL. It's folks like you that increase demand thereby cause house price inflation. The stamp duty on second homes generate tax revenue for the govt, you are rich we need to tax you more.

Interests rate coming down, no one can predict. With the trend on inflation turning back up and economic uncertainties plus trump in a couple of days if you ask me id say hold and have a sense of where things a will go.

Hmm..
I've been very careful.. reason I've not delved in yet. Issue with holding is that no one wants to be chasing an upward trending market or only buy when everything is looking brilliant. We can't time these things. I bought my place in 2023 and have no regrets I did rather than hold as many were predicting a house market crash in 2024. Also, it seems more experienced folks who didn't exit the market are now gaining confidence. The headache in short-term rentals is the issue. I want a hands-off approach which I can hand over to someone to manage for a token or an estate agent.


Seriously, I don't get the dislike for landlords. Even as a tenant, I stating here that I see my landlord as someone providing an essential service.
Good availability of rentals are essential to a vibrant economy. I've rented in Nigeria and the UK. I'm also enquiring on a rental I might soon move into. I'm grateful for the landlords that rented out to me on fair cos without them, I'd have been shafted.

In a free market, demand is a good thing. It's one of the reasons why America commands such power- their consumption is outsizes their population. ing the mortgage market is a good thing too. Its the bedrock of every developed society. Jobs are created with every transaction and taxes are paid promptly.
Would it be better for the UK society if people invest money earned in the UK in U.S stocks or in Nigeria? Or would you also question someone invested in REITS which is another way of being exposed to the property market?

missjekyll:


You know if you just googled those 2 for 2 secs, you would see the difference? Estate agents lie all the time,you know that. Pull up the renters right bill on the parliament website and peruse it before you btl. Probably best

I rest my case

Hi, congratulations. I'm about to exchange with Gentoo but their reviews are not great. Please can I speak to you. I need more answers. I'm rethinking going ahead with them.

When is the best time to survey a newbuild?
Before completion or after completion/keys collection?

lightnlife:
Congrats, Baba Landlord.

Hi, congratulations. I'm about to exchange with Gentoo but their reviews are not great. Please can I speak to you. I need more answers. I'm rethinking going ahead with them.

TessOdi:
Hi, congratulations. I'm about to exchange with Gentoo but their reviews are not great. Please can I speak to you. I need more answers. I'm rethinking going ahead with them.

Hardly will you find a developer with good reviews on the net, buyers will definitely have something to complain about especially when they reported it to the developer and didn't get a satisfactory response. We live in a Gentoo property and I'm pleased with them.

jedisco:


Hmm..
I've been very careful.. reason I've not delved in yet. Issue with holding is that no one wants to be chasing an upward trending market or only buy when everything is looking brilliant. We can't time these things. I bought my place in 2023 and have no regrets I did rather than hold as many were predicting a house market crash in 2024. Also, it seems more experienced folks who didn't exit the market are now gaining confidence. The headache in short-term rentals is the issue. I want a hands-off approach which I can hand over to someone to manage for a token or an estate agent.


Seriously, I don't get the dislike for landlords. Even as a tenant, I stating here that I see my landlord as someone providing an essential service.
Good availability of rentals are essential to a vibrant economy. I've rented in Nigeria and the UK. I'm also enquiring on a rental I might soon move into. I'm grateful for the landlords that rented out to me on fair cos without them, I'd have been shafted.

In a free market, demand is a good thing. It's one of the reasons why America commands such power- their consumption is outsizes their population. ing the mortgage market is a good thing too. Its the bedrock of every developed society. Jobs are created with every transaction and taxes are paid promptly.
Would it be better for the UK society if people invest money earned in the UK in U.S stocks or in Nigeria? Or would you also question someone invested in REITS which is another way of being exposed to the property market?

What I've seen in my research s your stance here. Rents are going up at the fastest rate ever in a decade (https://archive.is/U72Rb) and there are still places where it is possible to get double digit yields (https://archive.is/Zpc9v).

On the new regulations (which I , BTW), even though they'll likely make things more difficult and costly for landlords, along with stamp duty increases and higher rates, it still seems that if one finds the right properties (right now the Northern parts of the country look the most attractive), there's still a lot of potential, especially when one prioritizes the long term capital appreciation over decades.

Stocks are great but the leverage one can get with real estate is simply incomparable at the moment.

Please can someone explain how boiler insurance works and any recommendations? Looking for one that will cover breakdown and yearly maintenance.

Goodenoch:


What I've seen in my research s your stance here. Rents are going up at the fastest rate ever in a decade (https://archive.is/U72Rb) and there are still places where it is possible to get double digit yields (https://archive.is/Zpc9v).

On the new regulations (which I , BTW), even though they'll likely make things more difficult and costly for landlords, along with stamp duty increases and higher rates, it still seems that if one finds the right properties (right now the Northern parts of the country look the most attractive), there's still a lot of potential, especially when one prioritizes the long term capital appreciation over decades.

Stocks are great but the leverage one can get with real estate is simply incomparable at the moment.

Well said.
Hating landlords to me is similar to the anti-immigration rhetoric. Yes, there should be good control over the system but that should be done with the understanding of the economic implications of such as good availability of rentals are essential in a vibrant society.

Congrats… great news

When during the process of getting on the property ladder does one need a solicitor..

BTW, I sent you an email, awaiting your kind response to you.

Cheers

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 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.

lilmonnie:
Congrats… great news

When during the process of getting on the property ladder does one need a solicitor..

BTW, I sent you an email, awaiting your kind response to you.

Cheers

Stage 1: Get your deposit ready
1.2Get a mortgage advisor(if you like, but I didn’t use any. I just talked straight with Barclays when my offer was accepted )
2: get Deposit in Principle(you can DIY, if not using a Mortgage advisor )
3. Check for the house you and when your offer is accepted , then you can engage a solicitor as well as a Surveyor to carry out home survey
4. Talk to the bank (Halifax and Barclays are visa friendly)
5. Other back and forth………

babajeje123:
Please can someone explain how boiler insurance works and any recommendations? Looking for one that will cover breakdown and yearly maintenance.

British gas offers this service, they would offer your boiler yearly service + fix any issues that shows its ugly head (so long as your boiler is not at an EOL stage)......

Hello,

Please is there any lender or broker that can get a mortgage for someone on a skilled worker visa with a 5% deposit? The property in question is not a new build and the broker that was approached is saying lender will not lend unless one has a 10% deposit.

aragbaboy:
Hello,

Please is there any lender or broker that can get a mortgage for someone on a skilled worker visa with a 5% deposit? The property in question is not a new build and the broker that was approached is saying lender will not lend unless one has a 10% deposit.

I'm only aware of Principality Building Society in that category.
And like their name, the APRC (for 95% LTDR) is around 7.3% or so.