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When to buy?

  • 17-03-2015 9:54pm
    #1
    wishful8
    Registered Users, Registered Users 2 Posts: 6 ✭


    Looking to buy a house in north Dublin at 300,000 mark. Not sure if I should wait or buy now.
    Also do you know the best bank to get mortgage with. Have 100,000 deposit so looking at a 200,000 mortgage over 30 years.
    Appreciate any advice given


Comments

  • #2
    bilbot79
    Registered Users, Registered Users 2 Posts: 2,080 ✭✭✭bilbot79


    wishful8 wrote: »
    Looking to buy a house in north Dublin at 300,000 mark. Not sure if I should wait or buy now.
    Also do you know the best bank to get mortgage with. Have 100,000 deposit so looking at a 200,000 mortgage over 30 years.
    Appreciate any advice given

    I think kbc have the best rates. I'm not sure if god could even call the dublin market. A while ago I would have fancied prices to come down but with the euro low there'll be foreign investors propping it up.

    Maybe you shouldn't try to call it. How much rent are you paying?


  • #3
    wishful8
    Registered Users, Registered Users 2 Posts: 6 ✭wishful8


    bilbot79 wrote: »
    Ithink kbc have the best rates. I'm not sure if god could even call the dublin market. A while ago I would have fancied prices to come down but with the euro low there'll be foreign investors propping it up.

    Maybe you shouldn't try to call it. How much rent are you paying?

    Thanks for that will have a look at kbc

    Rent not really an issue as im house sitting an empty family members house. It's more wanting my family home before children start in school next year. I'm in my early 30s and have been renting etc for last 8 years.


  • #4
    quadrifoglio verde
    Registered Users, Registered Users 2 Posts: 3,670 ✭✭✭quadrifoglio verde


    wishful8 wrote: »
    Thanks for that will have a look at kbc

    Rent not really an issue as im house sitting an empty family members house. It's more wanting my family home before children start in school next year. I'm in my early 30s and have been renting etc for last 8 years.

    Then buy now. If its security you want and you've found somewhere that your happy raising your family in, then who gives a feck about neg. Eq.
    It's buying somewhere that you won't be happy in long term or somewhere you can't afford that's a bad thing.


  • #5
    skallywag
    Registered Users, Registered Users 2 Posts: 3,022 ✭✭✭skallywag


    quadrifoglio verde wrote: »
    Then buy now. If its security you want and you've found somewhere that your happy raising your family in, then who gives a feck about neg. Eq

    Good advice there. The whole notion of this property ladder needs to be discarded. Save up (just as you have done OP, well done) and buy a suitably sized house in an area which suits, and be happy with your lot. It doesn't seem to be the done Irish thing but there is a lot to be said for such a philosophy.


  • #6
    wishful8
    Registered Users, Registered Users 2 Posts: 6 ✭wishful8


    skallywag wrote: »
    Good advice there. The whole notion of this property ladder needs to be discarded. Save up (just as you have done OP, well done) and buy a suitably sized house in an area which suits, and be happy with your lot. It doesn't seem to be the done Irish thing but there is a lot to be said for such a philosophy.

    Thanks for the advice, it's what I needed to hear.


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