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Mortgages

  • 04-04-2011 7:49pm
    #1
    E Dunphy
    Closed Accounts Posts: 8 ✭


    Hi, Has anyone got a mortgage recently? Are the banks still lending?


Comments

  • #2
    unclebill98
    Registered Users, Registered Users 2 Posts: 3,816 ✭✭✭unclebill98


    Yes they are lending.


  • #3
    curlysues89
    Closed Accounts Posts: 36 ✭curlysues89


    unclebill98 wrote: »
    Yes they are lending.
    im interested in whos lending???? I keep hearing this but last month I went to three banks and their criteria is soo tight, they couldnt be lending.


  • #4
    unclebill98
    Registered Users, Registered Users 2 Posts: 3,816 ✭✭✭unclebill98


    They are lendin to those who meet the criteria.


  • #5
    curlysues89
    Closed Accounts Posts: 36 ✭curlysues89


    I meet criteria.Permanent job,good saving history,no loans.no bad credit,been paying substantial rent for previous 5years.and was told I'm a borderline case now, they told me to come back when I have more money saved???


  • #6
    unclebill98
    Registered Users, Registered Users 2 Posts: 3,816 ✭✭✭unclebill98


    curlysues89 wrote: »
    I meet criteria.Permanent job,good saving history,no loans.no bad credit,been paying substantial rent for previous 5years.and was told I'm a borderline case now, they told me to come back when I have more money saved???

    Eh, clearly not. You've not enough savings. It's not a cloudy thing, you either meet it or you dont.


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  • #7
    Bullseye1
    Closed Accounts Posts: 5,731 ✭✭✭Bullseye1


    unclebill98 wrote: »
    Eh, clearly not. You've not enough savings. It's not a cloudy thing, you either meet it or you dont.

    If only the banks acted like this from the beginning.


  • #8
    unclebill98
    Registered Users, Registered Users 2 Posts: 3,816 ✭✭✭unclebill98


    That and people did not get greedy.........


  • #9
    BillieB
    Registered Users, Registered Users 2 Posts: 21 ✭BillieB


    How long are people waiting to hear back from banks about applications?? I'm waiting nearly 3 weeks now so annoying


  • #10
    hairynipple
    Closed Accounts Posts: 110 ✭✭hairynipple


    i'm a first time buyer and i'm finalizing a mortgage at the moment just waiting on legal things with the chap i'm buying the house off.


    anyways i got a letter today stating that my fixed rate has jumped 1.4%, i changed from variable 1 month ago to what seemed like a good 2 year fixed but now i was wondering if i can go back to variable or is it worth my while?? i havent drawn down the mortgage yet just signed the offer letter. any advice out there please??

    only opened letter there now so can't ring the bank until tomorrow. .


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