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Mortage question

  • 09-05-2007 8:19pm
    #1
    Gillo
    Registered Users, Registered Users 2 Posts: 5,566 ✭✭✭


    My fiancie (spelling???) got a call from the mortage broker today saying she had recieved the letter of offer from the bank (Ulster Bank). We'd had a few preliminerly offer's and decieded to go with Ulster.

    It was only a voicemail she got (her phone was off most of the day due to being in hospital) does that mean that Ulster bank have doen their various checks and are saying a definite yes to the mortage??

    Sorry may sound like a stupid question, but it's a first mortage.


Comments

  • #2
    TheDriver
    Registered Users, Registered Users 2 Posts: 12,680 ✭✭✭✭TheDriver


    AFAIK, thats the letter of writing to say yahoooooooo! Usually the solicitor gets you to sign it when you are signing the various contracts to buy the house.


  • #3
    Zaph
    Registered Users, Subscribers, Registered Users 2 Posts: 47,351 ✭✭✭✭Zaph


    Congratulations on getting the mortgage. Word of warning though. I have my mortgage with Ulster Bank for the moment but I'll be moving it soon because they're a nightmare to deal with. In particular, make sure you get the Tax Relief at Source documentation sorted at the beginning. They made a mess of mine and it took nearly two years before a) someone spotted that they hadn't been applying it, and b) to rectify the error.


  • #4
    stepbar
    Closed Accounts Posts: 6,123 ✭✭✭stepbar


    Yes, a letter of offer means that the bank are willing to give ye a mortgage. However, make sure that the terms and conditions are agreeable to you before you sign on the dotted line.


  • #5
    Gillo
    Registered Users, Registered Users 2 Posts: 5,566 ✭✭✭Gillo


    stepbar wrote:
    Yes, a letter of offer means that the bank are willing to give ye a mortgage. However, make sure that the terms and conditions are agreeable to you before you sign on the dotted line.

    Yeah, thanks I got it confirmed this morning!!!
    Pretty cool, since I wasn't sure if my misadventures in credit carl world a few years ago where going to raise their nasty head.


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