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Mortgage Relief

  • 19-11-2008 12:09pm
    #1
    LillyVanilli
    Registered Users, Registered Users 2 Posts: 268 ✭✭


    I have been paying my mortgage for nearly two years. I was a first time buyer when I bought this house. I always assumed that Mortgage Relief was being deducted at source, i.e. my monthly payments had already got my mortgage relief built it. Is this the case normally, or is Mortgage Relief something you need to organise seperately? Thanks


Comments

  • #2
    The_Conductor
    Moderators, Society & Culture Moderators Posts: 32,286 Mod ✭✭✭✭The_Conductor


    Ruby2Shoes wrote: »
    I have been paying my mortgage for nearly two years. I was a first time buyer when I bought this house. I always assumed that Mortgage Relief was being deducted at source, i.e. my monthly payments had already got my mortgage relief built it. Is this the case normally, or is Mortgage Relief something you need to organise seperately? Thanks

    It depends on the lender- normally its two seperate transactions- but it differs in some institutions.

    You should contact your mortgage providor and ensure they are indeed processing TRS on your behalf (I would advise getting confirmation of this in writing).


    S.


  • #3
    JackieChan
    Closed Accounts Posts: 1,829 ✭✭✭JackieChan


    Hiya,
    I got my mortgage last year and this was setup automatically for me.
    Check with your mortgage provider if you are currently receiving it.
    If not then get TRS form, complete and send to revenue.


  • #4
    Clairecluck
    Closed Accounts Posts: 95 ✭✭Clairecluck


    You could very well be in for a nice juicy surprise cheque just in time for Santie!


  • #5
    Moonbeam
    Moderators, Education Moderators, Society & Culture Moderators Posts: 18,986 Mod ✭✭✭✭Moonbeam


    Ring the Revenue TRS Helpline. Their number is 1890 46 36 26

    It would be extremely unusual for this to be set up automatically for you so just give them a call and check the status.


  • #6
    LillyVanilli
    Registered Users, Registered Users 2 Posts: 268 ✭✭LillyVanilli


    Well I just rang the bank and Im not set up for TRS. Yippee, that will mean a nice little lump sum before christmas. Does anyone know of a calculator where I can find out how much Im owed? Thanks for your help.


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  • #7
    The_Conductor
    Moderators, Society & Culture Moderators Posts: 32,286 Mod ✭✭✭✭The_Conductor


    Ruby2Shoes wrote: »
    Well I just rang the bank and Im not set up for TRS. Yippee, that will mean a nice little lump sum before christmas. Does anyone know of a calculator where I can find out how much Im owed? Thanks for your help.

    Nice one!
    Get the paper work in pronto- there is a cut off for the end-year approaching......


  • #8
    LillyVanilli
    Registered Users, Registered Users 2 Posts: 268 ✭✭LillyVanilli


    smccarrick wrote: »
    Nice one!
    Get the paper work in pronto- there is a cut off for the end-year approaching......

    Does that mean I wont be able to claim for last year? I moved into the house Jan 07?


  • #9
    The_Conductor
    Moderators, Society & Culture Moderators Posts: 32,286 Mod ✭✭✭✭The_Conductor


    Ruby2Shoes wrote: »
    Does that mean I wont be able to claim for last year? I moved into the house Jan 07?

    Not at all- just that if you don't get the claim in quickly, that it won't be processed until after Christmas.....

    Ps- you will need the certificate of interest paid from your mortgage lender to claim for last year- they should be able to get you one fairly handily.


  • #10
    LillyVanilli
    Registered Users, Registered Users 2 Posts: 268 ✭✭LillyVanilli


    Yep, theyre putting it in the post today. Thanks again for everyones help.


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