It's meant to be highly conversational, so you'd have to ask for natural Cockney, natural Manchester, Natural California, or some other locale. If I write what would sound natural here, some people in other places would provide different variants:
Hey, Philip! What a surprise! To what do I owe the pleasure?
Hi, Tony. I was on my way to Newcastle, and was in the neighbourhood, so I decided to drop by.
Student or Learner