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Ayo 101
United Kingdom
เข้าร่วมเมื่อ 25 พ.ย. 2011
I am Ayo Adeogun and I am a lifestyle blogger dedicated to encouraging you to live your best life. I have a podcast called Adulting 101 where I talk about careers, relationships, finances and Health. On this channel, I discuss buying your first home and finances in more depth and provide tips on how you live and create the lifestyle you deserve!
Content aimed at encouraging others through various means.
#ayo101
Content aimed at encouraging others through various means.
#ayo101
CAN YOU AFFORD IT?? How to check your house affordability, H2B & How to afford to buy a House UK
the question is: Can I afford to buy a house (UK)? Today I'm discussing how to afford to buy a house in the UK and how to know what properties you can afford. In this video, I explain what is required to afford to buy a house in the conventional way (deposit + mortgage = House price) and how to go about checking it. I go through a mortgage affordability calculator via the money helper website and see how you can adjust your savings goals and earning goals in order to purchase the house of your dreams.
Although in the video I talk about the typical percentage of 10% deposit for your house, please bear in mind that this can be increased/decreased in certain circumstance. I.e you can raise a 15% or 20% deposit in order to reduce the mortgage repayments if you have the funds available.
Money Helper Website - www.moneyhelper.org.uk/en/homes/buying-a-home/mortgage-affordability-calculator
Chapters:
00:00 House Buying 101
00:30 Deposit + Mortgage = House Price
02:24 My Salary when purchasing my house
03:10 Using a Mortgage Affordability Calculator
06:25 What affects your affordability?
07:10 Government Schemes that help
08:37 My Help to Buy Numbers Revealed
10:21 If I used Shared Ownership...
11:44 Do you need to increase your deposit or prepare to buy?
KEYWORDS/KEY PHRASES THIS VIDEO
Can you afford to buy a house UK, How to afford to buy a house UK
OTHER VIDEOS YOU MAY LIKE
th-cam.com/video/0FwMKA-NryA/w-d-xo.html - Saving for a deposit
th-cam.com/video/Z3aLFIGQ8hE/w-d-xo.html - My furnished apartment tour
th-cam.com/video/E-AF6BTEmoY/w-d-xo.html - preparing to buy your house
th-cam.com/video/PdaaPa2TJFY/w-d-xo.html - Q&A
MY SOCIALS
ay00lu
TRY MY OTHER CONTENT:
Listen to my podcast Adulting 101
Apple: podcasts.apple.com/gb/podcast...
Spotify: open.spotify.com/show/481zd5f...
Google: podcasts.google.com/?feed=aHR...
Watch a web series I produced called Minister in Training:
th-cam.com/video/wAsbbksjZS8/w-d-xo.html
Although in the video I talk about the typical percentage of 10% deposit for your house, please bear in mind that this can be increased/decreased in certain circumstance. I.e you can raise a 15% or 20% deposit in order to reduce the mortgage repayments if you have the funds available.
Money Helper Website - www.moneyhelper.org.uk/en/homes/buying-a-home/mortgage-affordability-calculator
Chapters:
00:00 House Buying 101
00:30 Deposit + Mortgage = House Price
02:24 My Salary when purchasing my house
03:10 Using a Mortgage Affordability Calculator
06:25 What affects your affordability?
07:10 Government Schemes that help
08:37 My Help to Buy Numbers Revealed
10:21 If I used Shared Ownership...
11:44 Do you need to increase your deposit or prepare to buy?
KEYWORDS/KEY PHRASES THIS VIDEO
Can you afford to buy a house UK, How to afford to buy a house UK
OTHER VIDEOS YOU MAY LIKE
th-cam.com/video/0FwMKA-NryA/w-d-xo.html - Saving for a deposit
th-cam.com/video/Z3aLFIGQ8hE/w-d-xo.html - My furnished apartment tour
th-cam.com/video/E-AF6BTEmoY/w-d-xo.html - preparing to buy your house
th-cam.com/video/PdaaPa2TJFY/w-d-xo.html - Q&A
MY SOCIALS
ay00lu
TRY MY OTHER CONTENT:
Listen to my podcast Adulting 101
Apple: podcasts.apple.com/gb/podcast...
Spotify: open.spotify.com/show/481zd5f...
Google: podcasts.google.com/?feed=aHR...
Watch a web series I produced called Minister in Training:
th-cam.com/video/wAsbbksjZS8/w-d-xo.html
มุมมอง: 565
วีดีโอ
HOW TO SAVE FOR A HOUSE 2022 || How to save for a deposit in the UK this year
มุมมอง 4883 ปีที่แล้ว
What could you be doing to save for a house in 2022? Watch this video to find out the best tips to save for a house in 2022. I cover topics such as switching savings accounts to get the best interest rate, opening a lifetime isa and making sure to pay your debts first. The economy is still not the greatest for those who want to save but don't be discouraged. If you can follow these tips on your...
FURNISHED APARTMENT TOUR 2021 | SMALL FLAT TOUR UK ft Desenio
มุมมอง 7K3 ปีที่แล้ว
Absolutely delighted to show you my furnished apartment tour 2021 ft Desenio! You can shop all the prints you've seen in this video and automatically use my code AYO101 here: desen.io/ayo101 The code does not apply for handpicked or personalised prints or frames!! Thank you so much to Desenio for collaborating with me on this video!! This is my small flat tour UK featuring prints from Desenio. ...
HOW TO PREPARE TO BUY A HOUSE FOR THE FIRST TIME | Buy a House in 1 year, 1-3 years or 3-5 years
มุมมอง 8363 ปีที่แล้ว
WHAT IS THIS VIDEO ABOUT? If you want to know how to prepare to buy a house for the first time, this video will give you a range of tips to help! If you want to know how to prepare to buy a house in one year, or you want to know how to prepare to buy your house in 1-3 years, or you want to know how to prepare to buy a house in 3-5 years, in this video, I will break down the things you can focus...
First Time Buyer Tips and Advice | 5 First Time Buyer Lessons I learnt when Buying My First Home
มุมมอง 2.2K3 ปีที่แล้ว
WHAT IS THIS VIDEO ABOUT? In this video, I talk about the first time buyer tips and advice I would like to share with you all before buying your first home. These are the 5 first time buyer lessons I learnt when buying my first home that were very helpful during my home buying journey. I would recommend people follow these tips of what to do when buying a first home and what not to do with buyi...
First Time Buyer UK Q&A |Lifetime ISA, Help To Buy ISA, 2021 House Deposit, Budget for House Deposit
มุมมอง 5K3 ปีที่แล้ว
WHAT IS THIS VIDEO ABOUT? This is a First time buyer UK Q&A video aimed at answering questions people have around the Lifetime ISA, Help To Buy ISA, 2021 House Deposit and Budget for House Deposit. I recently posted an instagram post where I spoke about how i saved for my deposit and I agreed to do a first time buyer UK Q&A answering the questions people had about buying a house. KEYWORDS/KEY P...
I BOUGHT A LONDON FLAT!! EMPTY FLAT TOUR UK | My first apartment tour 2021 | Cozy London flat tour 🏠
มุมมอง 34K4 ปีที่แล้ว
WHAT IS THIS VIDEO ABOUT? Glory to God! I recently bought a London flat as a first time buyer in the UK. This is my empty flat tour UK. I hope you enjoy watching my first apartment tour 2021. It's definitely a cozy space but as it is my first home, I'm excited to have this Cozy London flat as my first home. I hope you enjoy the tour and if you're into interior or decorating, please feel free to...
SAVE FOR A HOUSE IN 2021 | Different tips on how to save for a house deposit fast 🏠
มุมมอง 3.6K4 ปีที่แล้ว
WHAT IS THIS VIDEO ABOUT? Are you trying to save for a house in 2021? This video is for you! In this video I aim to bring some different ways of how you can save for a house deposit fast especially in the UK. The things I talk about in this video are all things that I have done to save fo my house deposit over 4-5 years. KEYWORDS/KEY PHRASES THIS VIDEO Tips for saving for a house in the UK, Tip...
2021 GOAL SETTING | RELAXING JOURNAL WITH ME on how to set new goals for the New Year of 2021
มุมมอง 3444 ปีที่แล้ว
WHAT IS THIS VIDEO ABOUT? 2021 Goal Setting or Setting Goals for 2021 is a must! Earlier in the year, I spoke about how important setting goals is for keeping yourself accountable and also eventually fulfilling your dreams. In this video, I discuss the methods for setting new year goals for 2021 and/or setting new year resolutions for 2021. I'm inviting you to plan with me for the New Year 2021...
BEAUTY OF FINANCE | Chit Chat GRWM, affordable Make up & Tammi X Revolution
มุมมอง 1764 ปีที่แล้ว
WHAT IS THIS VIDEO ABOUT? What is the Beauty of finance?I'm always talking finances on this Channel so I thought i'd combine it with my recent love for make up. In this video I compare key financial terms/principles with different make up products where a full make up look equals financial freedom. I think we can all find a beauty of finance and the more we know as women can really equip us for...
KEY FINANCIAL TERMS EXPLAINED || Understanding Financial Jargon before Investing || Investing 101
มุมมอง 2464 ปีที่แล้ว
WHAT IS THIS VIDEO ABOUT? Today we're talking financial terms with this jargon buster video!! A lot of the financial jargon i'll be talking about today are terms that i've spoken about in previous videos but I thought you guys would benefit from me explaining before we got into further detail on our collective investing 101 journey. I'll be discussing: 00:00 - Introduction 02:10 - INVESTING 03:...
IS IT GOOD TO SAVE MONEY RIGHT NOW? || INVESTING 101 | Low Interest Rates in UK
มุมมอง 2674 ปีที่แล้ว
IS IT GOOD TO SAVE MONEY RIGHT NOW? That is the question right now... You I can't believe i'm saying this but it may be time to reduce the amount of money you save! The result of low interest rates on UK savings accounts means that we are losing money the longer we keep money in the account doing nothing. Ideally we need to be seeking a return that is higher than inflation in order for our mone...
BLACK POUND DAY YAS! | What is Black Pound Day?
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WHAT IS THIS VIDEO ABOUT? This video talks about the amazing movement of Black Pound Day. We are talking about the aims of Black Pound Day and what we can do to make sure it goes from strength to strength each month! In the words taken from the Black Pound Day website: Black Pound Day is a solution-based approach to support the growth of the UK Black economy. As a direct and peaceful response t...
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LEARN A NEW SKILL NOW || 3 QUICK & EASY WAYS || START TODAY!!
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TOP TIPS FOR SECURING YOUR UNI PLACEMENT FT BOSOLA & LAAGHA’S WAFFLES PT 2
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Black Pound Coin at black pound day. we will be promoting black pound coin at the next black pound day event coming up. pre sale staring soon.
Beautiful
So I’ve heard with the help to buy isa you can only buy that one house you can’t ever rent it out you have to live there 4lyfe. But then you said something interesting about you not applying for the bonus but still using the account to save so are you now able to rent out this property or buy another
very helpful thanks
Thank you so much about advising saving an additional £5,000-£7,000! It would be really helpful if you could go in-depth on what specifically you had to pay for during the mortgage process that accounted for the £5,000 that you spent. Congratulations!
Your Flat is so chic, so beautiful wow 🥰 Congratulations !
Hy love ..whats the catch with the ISA and LISA ..im struggling to understand what the government gains
Thanks this was great 😊
ooo this is very useful as I feel like I can relate to where your journey. Well, the start of it and I am hoping to progress like you did. Would love to hear more about this!
You're doing the Lord's work Ayo. Thank you. This is super helpful!
In loooveee congrats girly <3
You have a beautiful apartment. I hope you are very happy there. Thanks for showing it.
Ayo, can you tell us your mortgage broker?
Sure, My Mortgage broker was Fosters Financial
How about your morgage adviser? Who were they?
You never told us who your mortgage broker was.
Hi, This video is helpful. If I own a home in my home country, will I be considered a first-time buyer here in the UK? Am I eligible to open life time isa saving account?
Congratulations God bless you
hello Ayo, just stumbled on your channel, about the lifetime LISA, after saving for 2 years and have successfully mortgaged for my home, can I decide to reduced my savings to less than 4k per year or opt out keeping in mind that the payments into the account is for life or until 50 years
You broke this down so well, thank you!!!
I'm glad it helped, my pleasure!!
God bless your transparency pls!!!🙏🏽
Amen!! I'm glad it's helpful 🙏🏾
Yaaaaay another video 💃🏾 This was extremely helpful! Thanks for sharing lovely. I’m definitely looking forward to more videos!
Thank you darling!! I'm so glad 😭💖💖
I really love you transparency!!! In 2022 I’m trying to be like YOU 😭😭😭
But I'm trying to win like youuuuuu 🤩 Thank you girl 💖💖
Thank you for watching :) My Podcast (Adulting 101) is coming back and I'll be talking more numbers and salary over there! Make sure to subscribe & Rate on Spotify: open.spotify.com/show/481zd5fdZszJi7DdJDSR9k?si=bce37becf4d9442e 🥰
Great video as always!
Thank you Jess 🥰🙏🏾
I agree with number two, Ayo- the lifetime ISA is a game changer. The last point also definitely helps 👌
Absolutely!! Thank you so much 💖🙏🏾
Absolutely fantastic advice on how to save for a deposit! Thanks for sharing👏🏾
Thank you darling 🥰🙏🏾
Thank you for watching 😊I've got two more videos coming up including the story of how I bought my house! Subscribe so you don't miss it th-cam.com/users/ayoadeyo
Why are you so beautiful?! Congratulations on your home!
Thank you so much 🥰 your comment has made my day 💖
Great design love ur room
Thank you so much! 🥰
Congrats sis x
Thank you love 🥰💖
Ive been binge watching your videos recently! Its nice to see women like myself (young black women) buying properties :) Is there any chance you can make a video on the help to buy equity loan please? Im looking to buy property within the next 2 years and I am heavily interested in this as it seems to be the only way I can get onto the property ladder. Keep up the good work! xx
Of course I'd be happy to! I'm actually sitting down to record this video this week so hopefully will be out next week 🥰
Thank you so much for binge watching my videos too! I'm so happy 😭
Congratulations 👏🏾 A video about the help to buy equity loan please …!
Thank you so much for your patience, the video is coming very soon 🥰🙏🏾
Congratulations 👏🏾👏🏾
Thank you love 🥰🙏🏾
WOW issa HOME!!! SO happy to see your beautiful update!!! 😍😍
Thank you jamesmalthe on telegram for the £7,000 credit card balance you actually made my day, I’m now able to pay my rent and even get a new car thanks man
Really helpful video. There are a lot of free mortgage brokers out there. They get a kick back from the mortgage lender.
That’s a good point actually! I hear there are a lot of free mortgage brokers, thank you for mentioning 🥰🙏🏾
@@ayoadeyo Which morngage broker did you use by the way?
Hey Ayo, what's your insta pls?
Hiya! It’s @ay00lu 🥰
That DIY desk is impressive! I would have never thought to do that. I see a lot of potential in the office, I’m looking forward to seeing its development 😊
Thank you so much love!! I tried o! Yess hopefully soon the office will become something presentable for sure 🥰🙏🏾
What was the cost
Of the house right? £325,000!
@@ayoadeyo thank you for the video it was helpful
Can I just say that you are absolutely GLOWING!!! I love your home and I cannot wait to buy mine and furnish it as beautifully as you did Xx
This gave the girls what it needed to give!
You gas meeeeee thank you love 🥺❤️❤️❤️
Nice cosy flat. I really like desenio as well. They have great artwork. you can find artwork to fit any colour palette. Great tour!
I agree!! Desenio really have a wide range to suit any taste! I’m glad you think so too 🥰 thank you!!
Ayeeee congrats on the Desenio collab! Your apartment is furnished beautifully
Thank you Temi 🥺🧡 I tried small small!!
Nice apartment 👍
Thank you very much! 🥰
Your flat is coming together nicely! I caught the Nyma Tang collection in your room. Can't find where to buy it in the UK. Help me please! lol :D
Thank you so much, it’s getting there!! Ooo yess, the collection is so stunning 😍 I couldn’t get it in the UK either and I had to get it off Dose of colours website! It was so expensive in the end 😭💔
Love this ❤️ You’ve done well 🥺❤️❤️
I’ve triedddd thank you Peace 🥲🧡🧡🧡
Love love love love love to see it. The prints in the living room 😻 whole house 👩🏻🍳💋👌🏼
Righttttt I feel so mature with those prints in the living room!! Thank you so much!! I’m so happy to hear that from you Steph 🥲🥺🧡🧡
Really love how cosy your space is✨
Thank you 🥺❤️❤️ That’s the exact feel I was going for!!