Real & Hidden COSTS of Buying A House In the UK | How Much We Spent On Our First House

[@Jaay2022]

First here🎉❤ Hello cutie, you look beautiful

[@ChideraPeters]

As ALWAYS! Thanks for showing up 🎉❤❤❤

[@judynganga9821]

Woow thanks ❤

[@uduakibanga3724]

Congratulations to you both Chidera. I admire how you both compliment each other and the frequent use of « We » in every statement. May God continually keep and uphold your home in bliss and love🙏

[@Ade-s4m]

Fantastic. Concerning Product fee, the best advice is to be sure that the Lender will approve your product fee first and once they approved, then you can pay it upfront. For some, once you pay a product fee and the mortgage doesn’t go through, then the fee you paid is gone.

[@FavourBabajamu]

Chidera, thank you so much for all you share on here for free. God bless you. Your channel is always so helpful😩. I literally save some content for future purposes. Coming back again to watch this video when I am getting my house by God’s grace.

[@RBLX_SlayThatHair]

Congratulations to you and your hubby on your home. you're such a wonderful person, you gave answers to my questions.

[@fisayof6219]

the life insurance is such a good idea...congratulations again Chidera

[@stellakiggundu2411]

Loving these property videos - really informative! Thank you!

[@sallygabrielnwan3700]

And i must say that u were very transparent with ur information.thanks for that cos i really enjoyed it❤❤❤

[@isaackarechu156]

One of the best videos I've seen yet. Thank you for this

[@mavisappiah1833]

Just love the two of you. You did it... Because I see togetherness. God bless you two.... 🎉🎉🎉

[@claudiairoegbu1347]

Well done guys, congratulations, just watching you both for the first time,infact being thorough in everything not just lawyers is a critical key,never assuming and ask questions,well done again

[@AsharntayKingston]

I had to pause this to say: you guys are absolutely delightful to listen to! God bless you both and thank you for the laughs! 😊😅

[@ChideraPeters]

Awww thank you so much ☺️

[@ZED101]

good stuff, thank you for that information, very informative

[@LilianTseggai]

This video was so helpful! Thanks for your transparency 🤩

[@shoppahelpa809]

Congratulations to you both, more blessings and Grace

[@Vickygem1]

Beautiful, and well detailed.

[@ogunewenwanneka5360]

So informative and detailed,thank you.

[@sophiavisigah9715]

Just came across your channel and this really came in handy for us. Xx

[@taiwooyekola1994]

So true on the lawyer issue. They showed us shege! We literally did their job for them. They got almost everything wrong!

[@ChideraPeters]

Oh wow can you imagine… omo 😂

[@itunujoseph721]

Congratulations Chidera❤ thank you for sharing this information. It's loaded❤

[@awanioluwabusola2144]

Congratulations again Chidera🎉🎉🎉 and of course thank you for the information filled content💃💃

[@nadouchka8834]

Thanks so much for this informative video on uk mortgages ❤ You are beautiful souls and look cute together 😊

[@annaa6259]

Great advice on lawyers and other aspects. Love the energy on this lady - how can you make mistake on money😂❤👏

[@chinwe2599]

Congrats on your new home

[@yinkaeniola9316]

It does help darlings. We appreciate you

[@CathysJournal]

Congratulations again and thanks for this cost details. Really helpful. Looking forward to next video 💕

[@ogesdevice3797]

Thanks Chidera and Jason, this was really helpful.

[@kenhugo938]

Is your husband the Ikemba of Nnewi?😊

[@freespirit3972]

You both look so cute! Congratulations again and thank you for this.

[@lydiaokaforbucci8373]

Congratulations and thank you for this breakdown

[@onyi__]

Thanks for sharing😍God bless you both. God is good

[@thegreenerland9618]

you guys look so much alike...kai couple goals

[@ochikamemunat6690]

Very informative ,thanks dear

[@Letstalk_915]

“So that the person that is alive can breathe” Don’t leave me🤣🤣🤣 Thanks for this informative video❤️

[@ChideraPeters]

Lmao 🤣🤣🤣

[@lovelynchiamaka3957]

Chidera please come and give you your home and content insurance plug ooo. The one we are seeing is saying £45/month and that is a lot

[@EstherIfureMonday]

Congratulations to you guys. Lovely videos can you please recommend very useful apps for cashbacks. Thank you in anticipation

[@gladysadeoye6802]

Congratulations 🎊 to you. I enjoyed your information

[@umasankarsivasubramanian607]

Guys, you didn't mentioned how many years you opted for mortgage loans, rate of interest and Monthly EMI.I am planning to buy a prop. Thanks

[@amaesin3374]

Congratulations once again 🎉

[@ikeadeoladimeji7474]

Thank you for this. In the next video, can you explain leasehold and freehold, the pros and cons of each. I need you to talk on that please.

[@angiesspace2644]

Freehold means you own the land the house was or is built on. Lease hold means you do not own the land the house was built on.

[@ikeadeoladimeji7474]

@@angiesspace2644 if I buy a leasehold house,what will happen in future esp when the years is reached.

[@angiesspace2644]

@@ikeadeoladimeji7474 not sure but if you can avoid buying leasehold properties. It will be for your peace of mind.

[@umasankarsivasubramanian607]

Congratulation Guys 🎉

[@yolienozulumpafane7815]

Hey I have been looking for you on Tiktok guys and forgot your handle❤🎉🎉🎉🎉thank God I found uou here

[@ChideraPeters]

😂 glad you found me. Here’s my TikTok www.tiktok.com/@thechiderapeters?_t=8npxyW92htZ&_r=1

[@andrewlowe3422]

Did you mention the level 2 survey fees. I'm going through this process at the moment. I paid for survey,the report wasn't great . I then got a damp survey done highlighted by the Initial survey report level 2 survey,together they cost me nearly £800. Went back to the seller asked him to reduce his asking price for cost of all the repair work the house needed and he refused so I lost that money and walked away. One month later he dropped his asking price to less than I renegotiated"eat humble pie". Just had another offer accepted and paid for another survey yesterday so fingers crossed this time. No one tells you , you might end up paying for multiple surveys another added expense.

[@temitope_omooba]

Is it a freehold property you bought? Kindly enlighten on which is the best. Freehold or leasehold.

[@teatime6123]

Buy freehold not leasehold as you don't own the land and you have to pay service charges and maintenance and you have to ask the landlord permission to do things it's ridiculous. With a freehold you own everything

[@kimberlyosse]

This help thank you I am waiting for the next video ❤

[@benmoore7113]

Brilliant helpful video! 🙏

[@dianaagba5177]

Thank You for the video.

[@martintameh429]

Would you advise we wait till our residency status changes to like an ILR before buying or buy now with a short term visa like 3 years?

[@kekeliamoussou3201]

This video is very detailed and i love it. ❤️

[@ChideraPeters]

I’m glad to hear this ♥️

[@jessicaexplores]

So helpful thank you!

[@yajiroba1729]

Hello Guys, thank you for telling yourfoliowers the detail process of buying a property in England. However , Chidera, you both are saying 'Lawyer' the name of the legal party that you deal with during the purchase of property in UK is ' Solicitor' . Secondly I am curious as to the property you purchase , Is it Freehold or Leashold?. Please note that there is a difference. Please do check.

[@joychizzy6603]

So informative and detailed.

[@mmelionwughalu7023]

Hi Chidera, If you have a Life insurance in place do you still need a home insurance.

[@kimberlyosse]

Thanks ❤

[@amesivictoria4366]

Thanks for this video, my question is this How long does it take for one to buy a house once u secure a job with a skilled worker visa? I mean, if I enter the uk, can I buy a house withing 3 months or 6months or it doesn't matter. Thank you

[@ireneadhiambo2822]

Thanks for this info. I would also suggest you give your husband ample time to talk more..😊

[@ibrahimdekah4599]

Allow Your Husband to Speak.

[@kandy8838]

Rent a one day van and just pay 3 men to help. Pack way in advance , dismantle the bed sleep on the matress the night before.

[@idehenowen4147]

Thanks for sharing, I leart a lot.

[@opeyemioyebode8127]

Hi Chidera, please I would like to know if there's a yearly maintenance fee involved and how much it is, please? Thanks.

[@amosuakinyemi4335]

Hi Chidera, please what the name of the company you got with the home insurance and the also the life insurance. The budget my mortgage advisor is telling us for house insurance is very high…like £80 plus

[@victoriaolapade6177]

Chidera, you’re an angel. Please have you spoken about life insurance on your channel? Can you send me the link please

[@rhodaclarivette7399]

Hi my dear,congratulations 🎉which company accepts immigrants for life insurance, which one did you use please, thanks Rhoda

[@Sarora321]

Very informative god bless

[@sallygabrielnwan3700]

Congratulations to u both.pls what was the interest rate and was the interest fixed for some years and many year interest rate did u get if u get all thanks

[@tobiadebusuyi2857]

Hi Chidera, I will like to know which developer you used

[@amusaedikan7309]

Hi Chidera,its my first time here and im really enjoying it,pls how were you able to get the cheapest bank and what area did you buy the house.

[@samuelduncan3489]

Search for a broker, they're trained to assist you

[@tinomutasa5371]

Great video

[@enerosisor]

For me I start buying decorations before i move

[@chizobasalome8967]

This is really helpful, thank you

[@enerosisor]

Congratulations , house in the UK is really expensive and small, in Belgium house is more cheaper, I have moved I know what it's,I start moving before I hired a company to park

[@stellammanwagwu5394]

Any idea how to move stuffs from England to Northern Ireland ??

[@bethelnnadi4338]

Please which home insurance company did you use?

[@desoz4043]

Normally all of us owe u and chairman some pints

[@kmurigz3642]

New subscriber . Thanks for sharing.

[@Lolo-King]

How can I calculate if a house is 450 below or above for stamp duty?

[@Maras_Channel_talkshow]

The house selling price is on the house advert

[@davidoyinbo4591]

You guys didn't mention the actual price of the first mortgage repayment

[@samantha91x]

Please which lawyers did you use so I can avoid them 😂😂😂

[@shedrachukpai2929]

Thanks so much..❤

[@winnerokonyon3687]

What’s the bank you used

[@nithyashree6530]

You guys are so cute. ❤

[@chineloblessed4628]

Defo complain at the SRA as solicitors are regulated. Conveyancing solicitors are mostly incompetent you need to do most of the work and chasing or they will frustrate and cause delays! you should have asked for a reduced fee for their incompetence

[@annieudoh1745]

Wow... congratulations to you and your hubby Chidera. I'm happy for u. I see the glory of God all over you, we will soon come for Omugwo😂😂😂if you know you know. Abeg, I want to come and visit you for 3month, pls invite me na let me enjoy this peaceful loving new home. 🤗🤗🥰

[@ubongjuddy4345]

Congratulations 🎉 Is your home freehold or leasehold?

[@ChideraPeters]

Freehold

[@chidinmaeriamah7691]

Pls Chidera I need Ur home insurance contact and did you pay search fee?

[@Lolo-King]

Power couple ❤

[@lindadrinks-johnson1904]

What happened to your lawyer before signing contract and closing.

[@dupsyhot]

£600 is pretty good for removals for an entire house…..wow!

[@janesvarietyfood]

❤❤❤❤❤❤

[@FA9082]

All these overblown fees lol and people still dont think home ownership is a scam? 😂

[@kandy8838]

Moneylaundering fees? To check whom?

[@trevoranderson226]

How come you didn’t look for a pickup truck to move instead of hiring the company

[@victoriaolapade6177]

Yeah, was going to say so, cos I used a truck to move my chairs, fridge etc and they charge £50 for two trips . I’d love to know why you didn’t use a truck please

[@BlessedToyin]

Because the moving company gets to do all the work. Driving the van, onloading and offloading. Also, their vehicles can take everything in a house, which means one trip. So if you don't want to be stressed out, a moving company is ideal. If you have friends to help or can do the packing yourself, then you can rent a van.

[@wasconet210]

Congratulations 🎈. Please like how much do you think someone can save before thinking about buying a home?? Thank you

[@vickyvicvicc]

The smallest deposit you can pay is 5% of the value of the house. You also need to save for any extra costs such as solicitor fees etc

[@temitopejaiyeola4819]

What should be the least deposit for buying a house, and what are the requirements to buy a house as an immigrant? Your candid respond will be appreciate.

[@amakaokoye3513]

The least deposit is 5%

[@temitopejaiyeola4819]

Thanks

[@WordsPictures997]

heh! thought UK had honest people. You mean we have to shine our eyes on every continent 😅

[@ChideraPeters]

lol 😂 yes every continent o 🤣

[@david_olubodun]

The most important things seem to all be under £4,000. Not too bad. Anyway, what bank provided your mortgage? I believe you guys are still visa holders and most banks have criteria for visa holders different from ILR holders.

[@helenilemonaC]

They are liar layers😂

[@Maras_Channel_talkshow]

Which location do you guys get new build house less than 425k that has job opportunities

[@desoz4043]

In wales I have seen new build for 244k for 4 bed, also seen 280k for 3bed, Flintshire wales

[@picassomicasso1]

Must be Asian lawyers 😂

[@lindadrinks-johnson1904]

You needed your own lawyer.

[@LeBronhighlight]

let the mandem speak..!!