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Mortgage - loan offer will expire before house is built.

  • 18-11-2020 6:43pm
    #1
    Araidmil
    Registered Users, Registered Users 2 Posts: 2 ✭


    Hi,

    We have applied for a mortgage with BOI but we are wondering if there is a delay with the house and it won’t be finished before loan offer expires what happens?

    1. What is the maximum time you can get an extension for? When would you need to request this extension?

    2. If a new application is needed can you buy kitchen, appliances, flooring etc during the house build or will this go against you financially when you reapply after 6 months?

    3. Can you start new application before your offer expires if you know it is going to lapse?

    Is this a straight forward process or what is the best way to obtain a mortgage for a new build.

    Thank you for your help ðŸ™


Comments

  • #2
    Bank of Ireland: Eve
    Closed Accounts Posts: 309 ✭✭Bank of Ireland: Eve


    Hi there, thanks for getting in touch with us here on Boards.ie. 

    In this case we’d recommend contacting our Mortgage Team directly in order to discuss this further. 

    You can certainly contact our Mortgage Team on 016113333 and one of my colleagues would be happy to discuss this with you further. 

    I hope this helps, if you’ve any further queries please feel free to get back in touch with us here. 

    Thanks, Eve 


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