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Rabodirect for Mortgage Savings

  • 09-01-2018 12:20pm
    #1
    LizardKing82
    Closed Accounts Posts: 50 ✭✭


    deleted


Comments

  • #2
    wench
    Registered Users, Registered Users 2 Posts: 1,663 ✭✭✭wench


    It makes no difference, whoever you apply to will just want to see statements, the same as for any account.


  • #3
    LizardKing82
    Closed Accounts Posts: 50 ✭✭LizardKing82


    Good to know thanks!

    If we were to receive a lump sum gift of 10k (bringing out deposit up to 30k) would we be in a position to apply for a mortgage as first time buyers?

    Apologies is this is a stupid question!


  • #4
    Wheety
    Registered Users, Registered Users 2 Posts: 5,516 ✭✭✭Wheety


    If it's a gift the person gifting the money would have to sign something to that affect, i.e. you don't have to pay it back. I think only a parent or close relation can gift that much and not be liable for CAT.

    Here's the thresholds https://www.revenue.ie/en/gains-gifts-and-inheritance/cat-thresholds-rates-and-aggregation-rules/current-cat-thresholds-post-12-october-2016.aspx

    How much longer will you be saving? I used to be with Rabo but they really slashed their savings rates. You'd get better elsewhere.


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