NewStats: 3,262,641 , 8,177,759 topics. Date: Tuesday, 03 June 2025 at 06:53 AM i6j4q

Ogonsbaba:


I haven't confirmed if Barclays bank offer the product. But please, how can I open a Lifetime ISA ? I bank with Lloyd's and Barclays bank. I'm not seeing anything related to Lifetime ISA in my bank apps. Thanks!

My LISA is with moneybox, and no issues at all. Just ed the app and follow the instruction.

Ogonsbaba:


I haven't confirmed if Barclays bank offer the product. But please, how can I open a Lifetime ISA ? I bank with Lloyd's and Barclays bank. I'm not seeing anything related to Lifetime ISA in my bank apps. Thanks!

I doubt Barclays does.

Yes you can if you meet the qualifying criteria. See attached link for more info and list of providers.

https://www.moneysavingexpert.com/savings/lifetime-isas/

Check the Barclays website there's information on LISa there.

Ogonsbaba:


I haven't confirmed if Barclays bank offer the product. But please, how can I open a Lifetime ISA ? I bank with Lloyd's and Barclays bank. I'm not seeing anything related to Lifetime ISA in my bank apps. Thanks!

Stevepop:


My LISA is with moneybox, and no issues at all. Just ed the app and follow the instruction.

Thanks dear, me and my wife have opened LISA with Moneybox and funded it.

Just curious. How do Barclays this 2 years requirement? Would it be via credit history or travel history.

Amazoner01:
Just curious. How do Barclays this 2 years requirement? Would it be via credit history or travel history.

With your BRP and Address History.

Pearlyfaze:


With your BRP and Address History.

Thanks.

Two questions my ogas here please:

1. For mortgage purpose, I want to switch my current which is also my salary from Lyold to Barclays. Is it okay because I haven't seen anyone here saying he got mortgage from Lloyd.

2. Can I still open a LISA at 40 something age?

Thank you

elengine:
Two questions my ogas here please:

1. For mortgage purpose, I want to switch my current which is also my salary from Lyold to Barclays. Is it okay because I haven't seen anyone here saying he got mortgage from Lloyd.

Makes no difference because you don't need to have an with a lender before they offer you a mortgage. If you'll be applying for the mortgage soon, try as much as possible to avoid any activity such as current switch that will result in a hard search. Also, the older your the better for your credit profile so even if you are going to switch don't switch from your main rather open another current (not all banks do this, so check out for the ones that do), put at least 2 DD on it and switch.

2. Can I still open a LISA at 40 something age?

No, you can only open one on or before your 40th birthday.

Thank you

elengine:
Two questions my ogas here please:

1. For mortgage purpose, I want to switch my current which is also my salary from Lyold to Barclays. Is it okay because I haven't seen anyone here saying he got mortgage from Lloyd.

2. Can I still open a LISA at 40 something age?

Thank you

Please don't switch to Barclays. Remain with Lloyds, it's better for you in regards to Mortgage.

If you wanna get a Mortgage from Barclays, you just send them 3 months Bank Statement and other documents, you don't have to bank with them. If you bank with Barclays, they won't ask for statement as they have your entire history and may see something they won't like and reject your application.

To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

Huge congratulations. You've also stayed beyond 2 years right?

080bjaked:


Huge congratulations. You've also stayed beyond 2 years right?

Yeah 4+ years

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

Congratulations on your new house.
The queue is still moving guys. E go reach everybody wey want this kinda Good news.

Well done newest Landlord.

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week.

Grateful to everyone for the invaluable comments and advice.

Congratulations! Well done and a good way to start the holidays!

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

congratulations. It’s been long that I saw 10% deposit. Na him be say we get hope

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

Congratulations 🎉

Welcome to your lovely home...

Congratulations!

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

Finally!!

After 8 months time wasting, we Completed @ 5.38% with a new conveyancer in only 9 days.

75% LTV to keep repayments low and manageable in this high interest regime. About £200 less than current rent.

Thanks to everyone for contributing to this thread.

ProfJYK:
Finally!!

After 8 months time wasting, we Completed @ 5.38% with a new conveyancer in only 9 days.

75% LTV to keep repayments low and manageable in this high interest regime. About £200 less than current rent.

Thanks to everyone for contributing to this thread.

Congratulations

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

Congratulations

ProfJYK:
Finally!!

After 8 months time wasting, we Completed @ 5.38% with a new conveyancer in only 9 days.

75% LTV to keep repayments low and manageable in this high interest regime. About £200 less than current rent.

Thanks to everyone for contributing to this thread.

Congratulations

ProfJYK:
Finally!!

After 8 months time wasting, we Completed @ 5.38% with a new conveyancer in only 9 days.

75% LTV to keep repayments low and manageable in this high interest regime. About £200 less than current rent.

Thanks to everyone for contributing to this thread.

Congratulations 🎉 and welcome to your lovely home 🏠

Merry Christmas 🎄 EVERYONE

It gives me joy that most people are entering the property ladder....

May 2024 and beyond bring more property (home) owners and property investors.

Thanks to @Lexusg430, @Ticha @Estroller et al...

Congratulations bro🥂🎄

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

Congratulations fam 🥂🎄

Solumtoya:
Finally Completed, Keys in my hands.

Found the property in September and reserved. Completed in December.

Barclays 2 year fixed at 5.53%, 12% deposit and 2-year residence in UK.

God has been very kind.

Thanks to all for the beautiful contributions here and especially to Lexus and Ticha for reminding us this is doable and should be done.

Will share my lessons learnt ASAP.

Congratulations to everyone.

Can you please new owners help us with more details .

- Like Area of purchase.
- Average price.
- Average deposit.

That would come handy.
Thanks

Stevepop:
To the glory of God, we completed the purchase of our house (new build) last week. Mentally exhausting but totally worth it. Mortgage was with Halifax (90% LTV). Relatively smooth process with attentive mortgage brokers and pro-active solicitors. We had our snagging on Friday and all issues were cosmetic, which made me so happy 'cos of the horror stuffs I've read about new builds.

Monthly mortgage is about £400 above our previous rent, we fixed for 2 years so hopefully, there will be some calm in the interest rate by the time we re-mortgage.

Grateful to everyone for the invaluable comments and advice.

Congratulations. Hoping to the train a year from now. Although, might be shared ownership. Until then, I will keep reading and get the needed motivation.

Congratulations!

I hope this wipes the disappointment from the deal that didnt work out.

ProfJYK:
Finally!!

After 8 months time wasting, we Completed @ 5.38% with a new conveyancer in only 9 days.

75% LTV to keep repayments low and manageable in this high interest regime. About £200 less than current rent.

Thanks to everyone for contributing to this thread.

Seconded!

Tolzeal:
Congratulations to everyone.

Can you please new owners help us with more details .

- Like Area of purchase.
- Average price.
- Average deposit.

That would come handy.
Thanks