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    Saving/Applying for a mortgage 2015/16/17/18/19

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    Comments

    • #1532
      greenorchard
      Closed Accounts Posts: 179 greenorchard
      ✭✭


      We've gone sale agreed, very surreal! We got mortgage approval less than 2 months ago and with supply being so low we didn't expect to get somewhere this soon! Delighted :D


    • #1533
      mirrorwall14
      Closed Accounts Posts: 6,730 mirrorwall14
      ✭✭✭


      greenorchard wrote: »
      We've gone sale agreed, very surreal! We got mortgage approval less than 2 months ago and with supply being so low we didn't expect to get somewhere this soon! Delighted :D

      Congratulations!!


    • #1534
      Irish_rat
      Registered Users, Registered Users 2 Posts: 2,581 Irish_rat
      ✭✭✭


      Collecting keys today and signing deeds :)


    • #1535
      mirrorwall14
      Closed Accounts Posts: 6,730 mirrorwall14
      ✭✭✭


      Congrats Irish rat.

      Underwriters are meeting today apparently. No word yet. It's a loooooong day


    • #1536
      Santy2015
      Registered Users, Registered Users 2 Posts: 1,065 Santy2015
      ✭✭✭


      Funds arrived at my solicitors office today!!!


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    • #1537
      zedhead
      Registered Users, Registered Users 2 Posts: 605 zedhead
      ✭✭✭


      We just got our first AIP offer from Haven, just waiting to see what comes back from the other lenders before we sit down to look at rates etc on offer but really happy with whats been offered to us - on the higher end of what we were expecting. Now we can really start viewing some houses! I know there is potentially a very long road ahead of us but its really exciting to kick things off properly


    • #1538
      whiskeyman
      Registered Users, Registered Users 2 Posts: 12,564 whiskeyman
      ✭✭✭✭


      greenorchard wrote: »
      We've gone sale agreed, very surreal! We got mortgage approval less than 2 months ago and with supply being so low we didn't expect to get somewhere this soon! Delighted :D

      congrats!
      Do you mind me asking where / what you were looking for?


    • #1539
      Sleepy
      Registered Users, Registered Users 2, Paid Member Posts: 24,619 Sleepy
      ✭✭✭✭


      Just been told we'll get the keys on the 28th :D

      Boards.ie need your help to survive, subscribe here



    • #1540
      mirrorwall14
      Closed Accounts Posts: 6,730 mirrorwall14
      ✭✭✭


      No answer on approval without life insurance for one partner today. Broker was great though, has filled us in on exactly whats happening and who is talking to who so I'm a bit less stressed this evening and can hopefully forget about it for the weekend. Answer on monday we hope


    • #1541
      greenorchard
      Closed Accounts Posts: 179 greenorchard
      ✭✭


      whiskeyman wrote: »
      congrats!
      Do you mind me asking where / what you were looking for?

      It's a 3 bed semi in South Co Dublin. Have found there's not much around and most of what is looks pretty poor. But the place we've gotten is in turnkey condition, we're very happy.

      Survey next which will hopefully show nothing major!


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    • #1542
      loveisdivine
      Registered Users, Registered Users 2 Posts: 2,443 loveisdivine
      ✭✭✭


      We were at the house again last night taking measurements etc and the daughter of the vendor said that the contracts should be going out on Monday.

      How long has it taken other people to get keys after contracts have been signed? I know it's different for everyone, but on average, are we talking a few weeks? Hopefully not months!


    • #1543
      Cokezero
      Registered Users, Registered Users 2 Posts: 68 Cokezero
      ✭✭


      loveisdivine wrote: »
      We were at the house again last night taking measurements etc and the daughter of the vendor said that the contracts should be going out on Monday.

      How long has it taken other people to get keys after contracts have been signed? I know it's different for everyone, but on average, are we talking a few weeks? Hopefully not months!

      Depends if it a new build etc. Have you had reports done? Is the estste under control of the council. We presumed we would have the keys at this stage but the legal department in the bank wanted extra information from our solicitor so it will be about 2 weeks hopefully since signing contracts. I am so nervous that they will have more queries on Monday and delay things further. We are sale agreed since thr start of June but it's a straightforward sake and no Chain. I'm praying the banks couldn't refuse us at this stage!


    • #1544
      loveisdivine
      Registered Users, Registered Users 2 Posts: 2,443 loveisdivine
      ✭✭✭


      Cokezero wrote: »
      Depends if it a new build etc. Have you had reports done? Is the estste under control of the council. We presumed we would have the keys at this stage but the legal department in the bank wanted extra information from our solicitor so it will be about 2 weeks hopefully since signing contracts. I am so nervous that they will have more queries on Monday and delay things further. We are sale agreed since thr start of June but it's a straightforward sake and no Chain. I'm praying the banks couldn't refuse us at this stage!

      Not a new build, all reports done, just a regular vendor sale not councils or banks.

      Im hoping that if we sign the contracts some time next week, we should be moved by the end of August.


    • #1545
      SB_Part2
      Closed Accounts Posts: 1,951 SB_Part2
      ✭✭✭


      loveisdivine wrote: »
      Not a new build, all reports done, just a regular vendor sale not councils or banks.

      Im hoping that if we sign the contracts some time next week, we should be moved by the end of August.
      Was 4 weeks for me from contracts being signed (i think).


    • #1546
      Cokezero
      Registered Users, Registered Users 2 Posts: 68 Cokezero
      ✭✭


      Has anyone ever been turned down by the bank following loan offer? I'm so nervous it will fall though now that I have signed contracts!


    • #1547
      SB_Part2
      Closed Accounts Posts: 1,951 SB_Part2
      ✭✭✭


      Cokezero wrote: »
      Has anyone ever been turned down by the bank following loan offer? I'm so nervous it will fall though now that I have signed contracts!

      I don't think this happens much but sometimes if the whole process has been drawn out then the bank will ask for more up to date statements and a new valuation. IIRC valuations only are valid for 2months.


    • #1548
      Cokezero
      Registered Users, Registered Users 2 Posts: 68 Cokezero
      ✭✭


      SB_Part2 wrote: »
      I don't think this happens much but sometimes if the whole process has been drawn out then the bank will ask for more up to date statements and a new valuation. IIRC valuations only are valid for 2months.

      Thanks!! The waiting is so nerve wracking!


    • #1549
      REFLINE1
      Registered Users, Registered Users 2 Posts: 461 REFLINE1
      ✭✭


      http://www.independent.ie/irish-news/firsttime-buyers-to-get-generous-new-grant-34891797.html

      Interesting development, wonder how this will work..


    • #1550
      Santy2015
      Registered Users, Registered Users 2 Posts: 1,065 Santy2015
      ✭✭✭


      REFLINE1 wrote: »
      http://www.independent.ie/irish-news/firsttime-buyers-to-get-generous-new-grant-34891797.html

      Interesting development, wonder how this will work..

      If that's the case it should be back dates to FTB that have bought since the last budget. There's no mortgage interest relief for new buyers


    • #1551
      Naid23
      Registered Users, Registered Users 2 Posts: 1,214 Naid23
      ✭✭✭


      Santy2015 wrote: »
      If that's the case it should be back dates to FTB that have bought since the last budget. There's no mortgage interest relief for new buyers

      Doubt they would do that - just tough luck in their eyes id say. I would say it will be aimed at people starting out saving for a house.


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    • #1552
      The Mulk
      Registered Users, Registered Users 2 Posts: 1,357 The Mulk
      ✭✭✭


      Noonan was saying it will be back dated to this month to prevent a slump for the rest of the year, so i'd say probably 1st July.
      That's providing it goes ahead at all.


    • #1553
      Deedeemazzy
      Closed Accounts Posts: 35 Deedeemazzy
      ✭


      REFLINE1

      it says in 98fm that it is relating to new builds?


    • #1554
      Hasmunch
      Registered Users, Registered Users 2 Posts: 939 Hasmunch
      ✭✭✭


      The Mulk wrote: »
      Noonan was saying it will be back dated to this month to prevent a slump for the rest of the year, so i'd say probably 1st July.
      That's providing it goes ahead at all.

      When did Noonan say this? We're at sale agreed stage at the moment so this news is great if happens.


    • #1555
      hufpc8w3adnk65
      Closed Accounts Posts: 14,158 hufpc8w3adnk65
      ✭✭✭✭


      Hasmunch wrote: »
      When did Noonan say this? We're at sale agreed stage at the moment so this news is great if happens.

      I'm in the same boat!


    • #1556
      The Mulk
      Registered Users, Registered Users 2 Posts: 1,357 The Mulk
      ✭✭✭


      Hasmunch wrote: »
      When did Noonan say this? We're at sale agreed stage at the moment so this news is great if happens.

      It's in the Irish Times article


    • #1557
      Hasmunch
      Registered Users, Registered Users 2 Posts: 939 Hasmunch
      ✭✭✭


      Irish times article has more information than the independent article linked alright

      http://www.irishtimes.com/news/politics/first-time-home-buyers-may-receive-aid-under-new-scheme-1.2725408


    • #1558
      Deedeemazzy
      Closed Accounts Posts: 35 Deedeemazzy
      ✭


      This is personally great news for me. I'm hoping to buy on my own so I'm saving on my own too for the deposit


    • #1559
      Jentle Grenade
      Closed Accounts Posts: 415 Jentle Grenade
      ✭✭


      Will an incentive like that not just drive prices up?


    • #1560
      Sleepy
      Registered Users, Registered Users 2, Paid Member Posts: 24,619 Sleepy
      ✭✭✭✭


      It will, any help to buy measures will only result in increased demand which, with present shortages of supply, will only serve to drive up prices.

      We're due to close next week so curious to see what may be available but it looks like it'll be budget day before we hear the results. Hoping it's not just applied to new builds!

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    • #1561
      Deedeemazzy
      Closed Accounts Posts: 35 Deedeemazzy
      ✭


      Sleepy wrote: »
      It will, any help to buy measures will only result in increased demand which, with present shortages of supply, will only serve to drive up prices.

      We're due to close next week so curious to see what may be available but it looks like it'll be budget day before we hear the results. Hoping it's not just applied to new builds!

      I think 98fm just had a badly worded article ... Irish Times article is better


    This discussion has been closed.
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