Thanks guys, your are spot on. One other downside is the risk of loosing your house if you can’t afford to pay your mortgage if you loose your job or get sick and unable to work. To mitigate this, save an emergency fund to cover your bill for 6 months, take out the right insurance to protect you and your assets.

It's a good thing to buy a house especially if you have children. A house bought in the 1990s in London for around £70,000 and 30 yrs later, it costs about £270,000-300,000. So for the children they'll get quite a lumpsum when they inherit the house. Prayer is important. God can move people without you having a hand in it as such. Stay blessed. Zim/UK.

You are not tired to a particular place, all you need to do is tell an estate agent and they will rent it out for you. The proceeds from the rent is used to pay the mortgage and then you move! 😅😊😊 You didn’t think of this, did you?

The good sides out weighed the bad sides, thanks for sharing guys.

Thank you Tochi, I just moved into the UK. I hope to buy a house when I finally settle down, find job and can afford it. It's a very good option.

Good wife gives her husband audience and the husband also reciprocates such a beautiful couple..... thanks

I Feel like the only down side I always feel about buying a house despite the location is that it makes u stationary. and also talking about repairs even here in Nigeria u will fix things urself oo except In an organized estate.

Thank you for this video ooo🤝🤝🤝some people willll be waiting for the landlord to fix every damn thing that spoils in the house. Whether you are paying rent or living in your house,maintain it well and make it comfortable for the next person moving in.

Bad Neighbours are a big deal ooo. One might not realize how much of an issue it can be until you’re in that situation. Thankfully, you’re enjoying your home.👍🏻

Thanks Tochi and family, The young and handsome interpreter is doing a great job 👍❤️

The neighbor con is understated. Very important point to note. Prayer is the key sha

I actually understand the baby's talk better than you both. He was so clear, precise and less serious than you guys. Thank you baby for making the video special 😃😊

nice content ! i do not see serious drawbacks in this video at all, own a house it is important...

Thanks so much Tochi, Your Hubby and Baby God Bless you more richly to more houses 🌸🌺🌷🌷💐

Wow I never thought of the neighbour part ooo

Owing a house makes you credible before the financial institutions

Beautiful family.Thank you for sharing this is really an eye opener especially on the one for the neighbor.

thank you Tochi. you always make my day. Ur sessions are always lively

Very Clear and informative. Thank you tochi and your husband.

thanks for giving us back to back informations ! ok; now, buying a house is much more better than renting because at the long run. every dime you pay as motgage is like investing in your home! in our house in germany, anything that gets damaged , we fix ourselves!

I think before one can resale their house only when they are done with the mortgage payment right? It's great to Owe your own house in UK and take fu responsibilities. I like the 2 years warranty. For your neighbourhood to have a WhatsApp group and do things in common, una no dey UK again o lol! Lucky you guys

Nice one. Special thanks to the THREE of you for sharing 😄

Thank you for the information. Please can you talk about the 8-10 years government protection scheme on your house.

I think it would’ve been good to mention comparison with Nigeria. In UK mortgage can take 35 or even 50 years lol. But back home once you build your house it’s yours. Even mortgage duration is shorter. I know the value is not same though.

I have my pen and paper taking notes 📝

Beautiful 👶 😍 People.... Thanks ❤ 😊 FOR Sharing ❤ this...!!!

Nice plan and it means u are not paying rent, u guys are just using ur rent to pay for the house

A real eye opener. Thanks for the great information shared here.

What you didn’t talk about is free hold vs leases hold and how leases hold could be tricky.

Really enjoyed the video with baby boy oo

Awww He is growing up so fast 🥰 .. Awesome video

Let's hear from your baby too his experience owing a house in UK... Weldone guy

Ummm Tochi..... your face...kkk too serious lol, I'm used to watching your videos with a cheerful smile ,what was happening, anyway thanx dearest for the info

I love this topic, thank you for sharing your experience, Ma. you did not tell us oga's name. Your son is handsom

Wonderful one and very helpful, but please, is one allowed to fence your building right round, at least that way, you will have your privacy and stay away from the eyes of neighbours, you have a beautiful family Counsel, God bless your home

Many thanks guys.

The neighbour part is important. Never crossed my mind. Thank you guys

thank you so much ma for what you do, I learn so much on your channel. I and my husband are considering relocating to the UK

Beautiful content, na dat bad neighbourhood own goworry😆, but God will help us meet like minds. Pls I need step by guide for family relocation 🙏

Congratulations on buying Yr house since you have children. We bought in ireland at 280000 ,now my neighbour sold hers at 500000 euros. At the end the value increases compared to cars.And moved and bought another house in the country side.but remember guys to put more on yr deposit so that you don't strain Yr self.we are planning on our 3 .

Many thanks for the Video Esther and your husband. My question is how much house tax are you charged by the UK Govt for owning the house?

Hi Tochi, you mentioned if you are cooking and something spoil, there is content insurance to cover these things 😊

​@TochiEsther very informative video. Which area did you buy your property as it sounds like its new build? Is it in multiple phase(s) as part of larger development. How is the road infrastructure and growth planned in the area? For example how close is it to the train station and what Motorways. Any information will be helpful 😊 I am an investor and i am looking to increasing my portfolio outside london but in areas that have go growth prospects in the medium to loglng term.

Honestly UK is far better compell to my country Italy 🇮🇹 when it comes to owning a house ,your own come with lots of benefits our own comes with lots of pay pay and frustration. Thanks.

Waooooo... Very very informative 👏.... Waooooo... Nice one my people

Your son is handsome. Welldone sis

❤ your son did an awesome job with the background music😂😂. Great info

May I know which lender gave you 1.85% interest rate a year? Very informative video, thanks for sharing your insights

We are waiting!

It’s only your son we are even listening to, he is our concern ❤️❤️❤️❤️

Tochi please make a video, about opening a business in uk

It is too early for you to really understand , house values does not always go up to create wealth.

Hi dear, looking to buy a house in crewe but not so familiar with the area. Please can you make any recommendations for best areas to buy for family? Thanks

English neighbours neighbours don’t like loud noises or loud music. Often cultural differences causes problems. Consider you could be the bad neighbour with frequent noisy parties!! So be considerate too.

Thanks for all you do. Alot of information has been made available to us through your channel. Please do you know if an international student can get a mortgage, if he has the down payment to pay? Someone has saved up a reasonable amount of cash in his country and wants to move to UK through the education route for a Masters Degree, but he has sufficient cash to put down for the down payment. Can he get a mortgage?

How long should you be in UK before you can buy a house thanks

Thank very much for this great information, great job 👌.can you buy a house when you are not a citizen of the country, please let me know, thanks have a great day ahead with your lovely family 🥰.

Thanks fo helpful info and insight.May I know pls if owing a house in the UK counts towards indefinite stay or permanent residence.

Hi Tochi. Thanks for your videos. They are so enlightening. How soon can one, who moves to the UK in this September on a study visa route, buy a house in the UK?

Thank you you can help on below questions

Thot you could take us along how you served in your savings account to get the mortgage, and clear up on stages to achieve the house

love the honest breakdown of this🙌😘

What type of visa do you need to be on to be eligible to buy a house apart from being a permanent resident

Congratulations to your family But i don't see any bad side here dear

Thank you guys

Hi Tochi. Thanks for all you do. I'm a loyal subscriber. Your hubby looks like an old classmate of mine, EBSU...am I right?

Please let us know if u buy a house over there u buy with the land or only the house..Secondly dos house has an expiring date bro we want to know .Thanks.

I enjoyed watching this video thanks for sharing NEW Sub

Please what was the original down payment and the monthly mortgage, and what kind of house is it? I know you may not want to give out the financial information publicly, but can you give it in a range so it's not specific. I also don't know where you are in the UK, I'm hoping to get one in Edinburgh

But does buying of the house includes the appliances too ,does the mortgage covers for the appliances too

Which area did u buy in, thanks for the information

the benefits is really great.

First point of correction it isn’t your house it belongs to the bank until you finish payment

1.85 % that is a steal. very good rate.

I currently live in my own 5bedroom house in Nigeria. Built to high taste and all. When I looked up 5bed houses in near London (where I might be relocating soon) I saw options from 2million GBP upwards! Can’t afford that. Am I missing anything? Should I be looking elsewhere?

Wonderful couple. That's all I can say.

blc am thinking of getting my own place

Awesome

Please can you help me secure one 3 bedroom.

Hi Tochi, There is a need to house clean your telegram group, people are posting whatever and whenever. Kindly reach out to me for how to manage this. Thanks

Hi Tochi which part of england do you live?

Please you did not mention anything about tax,, do you pay tax for the house? Secondly, does it cost more to own a house or rent a house? Looking at it at the long run let's say 8- 10 years. Thirdly what are the immigration benefits of owning a house or a property in the UK???

How many years will it take to pay the mortgage?

What part of Uk do you live, please. I'm so happy for you. Long live. God will take you beyond in Jesus's name, Amen

Tochi thk u🥰

Hie Tochi howu dear?Sorry to bother,this isn't about buying a house in the UK but would kindly be honored if l can get a review from u if my cv meets up with UK standards.I am a hca trying to look for a job in the UK

Can't you rent out a house on mortgage? Must you sell it if you want to change location?

Hi Tochi,can international student from Nigeria buy or mortage house in Uk

Do you still have to pay council tax if you are living in your own home?

After buying a house in an environment and I want to change environment after sometime, is it compulsory I sell? Can't I leave the property and go buy another and rent the previous one out

I can't understand nothing you said

Ins't it better to pay your own mortgage then your landard

As a married couple, if the partners decide to buy a house as an individual entity will both be consider first time buyers?

Your kid have to pay 40% 0f the house in other to inherit the house

I need working visa how possible will it be

Don’t you have home insurance? The insurance should pay for the water flood.

Wow Dozie and wife, this is good

Can you own more than one house at a time in the U.K

To all african people Stop saying that you buy a bouse stop it if you didn't buy the hous cash in full payment its not urs you rent that frikin house how can you people buy a house ? And still paying monthly payments 😮😮😮. Its a scamm. There is so many red flags with that house you would not believe its a setup getting a house abroad. Its stressful fatigue if the monthly payment was $1,200 later on ur paying more.

Please Tochi, like how much can I have I have to buy a house?