103. HOUSING - Jack’s Japa Empowerment - Diaspora Handbook - Nijaa Diaspora Empowerment - Nijaa Immigrant Handbook - Jack Lookman

103. HOUSING

When Nigerians relocate to the United Kingdom, one of the most difficult issues they confront is finding housing. Accommodation in this area is pricey, competitive, and, at times, downright annoying. Unlike back home, where land and houses can be acquired gradually, the system here necessitates credit checks, references, deposits, and recurring rent payments, which might consume a significant portion of your earnings. Many Nigerians fall into the trap of rushing into substandard homes out of desperation, only to regret it later. 

The first thing to recognise is that your housing journey will most likely begin small, which is fine. Do not compare yourself to anyone else. Some people move into shared housing; or council flats, while others rent small apartments; and a few buy right away. The system honours consistency. Paying your rent on time and maintaining a clean record will help you gain credibility, which will lead to greater housing opportunities in the future. Missing rent or violating agreements, on the other hand, might have long-term consequences and limit your possibilities. 

Another element to consider is the location. Many Nigerians prefer to live in regions where they may see other Nigerians; which is understandable for comfort. However, you should also consider your long-term ambitions. Some communities have superior schools, safer neighbourhoods, good hospitals, good access to public transport, low crime rates, and easier access to employment. While community is important, balance it with strategy. Living a little further from the city or exploring less popular neighbourhoods can often result in higher-quality homes at lower prices. You may however be trading this off with cost of travel to work, wear and tear over time, etc.

If you plan to stay long term, you should also consider home ownership. It may sound far-fetched at first, but many Nigerians who plan and discipline themselves eventually buy homes in the UK. The mortgage system here works differently from Nigeria, but it is possible if you manage your finances wisely, build your credit, and stay consistent. Home ownership provides stability, an asset for your children, and in some cases, even rental income. And if you choose to multiply your properties, it could be a source of income, and an investment for old age.