Auburn_ wrote: » Hi all, just want to summarise the steps that we have gone through. As a previous blogger mentioned the Revenue guys are really helpful but you just have to battle through a couple of minutes of having a conversation with an automated voice with you slowly calling your PPS number and the robot not having a clue what you are saying at all...after that (2-3min) the revenue guys are really helpful Ok here are the steps we took; 1. Check the site revenue site to see if your building contractor is on the list. If they are not (like they weren't for us) get in contact with them asap and ask them if they could contact Revenue and start the process of becoming a "qualified contractor under the Help to Buy Scheme". This took a good few weeks for us so start here and by the time you get further down the process it won't be your building contractor holding you up! 2. Submit your P12 forms. You will need your P60 forms for the years that you want to submit. It is pretty easy as it is an electronic method from 2013 onwards. 3.There is a choice of selecting a max of 4 previous year to use your P12 forms for (This form basically makes sure that you have been paying the tax that you should have been paying). From clarifying with Revenue this is a max of 4 years and a min of 1 year i.e. Just select eg 2015 only and start the application process. **You do not have to select more than one year!** 4. You will have to submit a P21 (basically saying that you are 100% fine with the tax back for rent allowance, medical expenses etc) for the year(s) that you have chosen above. Instructions are on the revenue site. Here I had a few medical receipts that I hadn't submitted yet so I just decided to cut my loses and not waste more time on submitting them now and I just said I was grand with the medical expenses that I submitted for the year that we selected. 5. Keep an eye on your emails and check your revenue account every so often. They will let you know when your application has gone through. With this they will give you an access code and an application code 6. Contract the contractors who built your house and also your mortgage provider and provide them with the access code and the application code. Our mortgage provider are now holding us up at this point because after 2 weeks they had not progressed with our HTB codes. So I'd suggest here to keep on their backs a little bit to make sure they do. They didn't even know that they needed to do anything with the scheme so prepare to educate others are you go through this process (hence my post here today ) 7. You will then still need to check your revenue account (they didn't send us an email on the next step) when you will be asked to submit your contract. Now this is the step that I am on. I am assuming that they mean our mortgage contract so I'll figure out how to submit that later on today. Ps I tried to put in urls above but because I'm a new user they wouldn't let me post em up! My questions for you guys are... Has anyone progressed past this step? Any tips on how to submit a contract via my enquiries as I didn't see a way of doing it this morning! Thanks
metricspaces wrote: » What does your mortgage provider have to do?
Auburn_ wrote: » They need the access code and the application code to verify how much the maximum is that you can get on the rebate.
Arse Biscuits wrote: » Thanks for your post How long did it take you for them to reply to say your application has gone through after submitting the P21's and getting your application and access code? As i've applied at the weekend and haven't heard anything from them yet. Thanks In Advance
morrga wrote: » Banks only gets involved if self build.
Pheonix10 wrote: » Does any one know if you are saving as a couple can you both get tax rebates? As in if you both had 20k paid in income tax each would you get 40k as a rebate?
Auburn_ wrote: » Really??! Ok, it's kinda misleading then when Revenue say your access code and your application code needs to be sent onto your building contractor as well as your mortgage provider!! I'll double check this with my mortgage advisor. They are meant to ring me back in the next few days. Thanks for the heads up
siobhan1983 wrote: » Auburn_ wrote: » Really??! Ok, it's kinda misleading then when Revenue say your access code and your application code needs to be sent onto your building contractor as well as your mortgage provider!! I'll double check this with my mortgage advisor. They are meant to ring me back in the next few days. Thanks for the heads up Just to let you know I spoke to a lady this evening about it. My application as a retrospective buyer has gone through and I'm at that stage too. She rang me and told me that there are a few files that hadn't gotten through the help section. I had uploaded contracts etc and gotten codes. My solicitor ensured me that I qualified as I didn't draw down mortgage until August for a new build purchase. Now she is telling me I won't qualify as I signed contract before July! Whole process is so misleading that my solicitor who has been excellent throughout was positive I qualified for it. Now they are changing details or going back on what they have said. I'm really upset over it all evening as I was sure I met all the criteria. There definitions and cut offs seem to be changing and interpreting them differently. So frustrating now after having multiple correspondence with them and going through the whole lot so far.
tbayers wrote: » Did you sign your contracts before the 19th of July. If so im afraid you won't qualify. Which I find to be ridiculousness, surely it should be the day the house is finalised, ie the day you move into the house! We were lucky, we signed the contracts on the 22nd of July, very close!
siobhan1983 wrote: » tbayers wrote: » Did you sign your contracts before the 19th of July. If so im afraid you won't qualify. Which I find to be ridiculousness, surely it should be the day the house is finalised, ie the day you move into the house! We were lucky, we signed the contracts on the 22nd of July, very close! It's very very unfair. Apparently if it was a self build I would have been ok but because it was a purchase from a builder in an estate I won't qualify. My mortgage wasn't drawn down until August this year. The fact my solicitor was sure I would get it also is making me still question them. They don't seem to have a clue when you ring. It's really trial and error!
tbayers wrote: » It is pretty open though, the only date that needs to be met is the contract being signed on or after July the 19th.At least you can get in contact with someone, I have rang three times now as my claim and documents are all in. Everytime they just say Kilkenny are looking into it without being able to give me a number for this office.
siobhan1983 wrote: » It said or drawn down of mortgage also so thts why my solicitor felt I was definitely entitled to it. Oh there apparently were some files that have slipped through the helpdesk file so yours may be one of them!
davidsr20 wrote: » Is your builder on the list?
lunamia wrote: » Hi guys, there's something not completely clear yet. As retrospective purchaser, should I give the Application Code and the Access Code to the Builder and Bank? Because I understood I had not to give these codes, considering I already paid the deposit in total, I already completed the purchase before Christmas, I'm already paying the mortgage and living in the house. But the Revenue is making a lot of confusion, they said I should give the code the the developers and mortgage provider's institution. I'm very confused... Anyone can give suggestions please?
davidsr20 wrote: » U have to have signed after July 19th or u don't qualify. This have always been the Num 1 rule.
SSeanSS wrote: » is it possible to apply for mortgage with only 5% deposit and fill the other 5% with the scheme? Or would you have to have the 10% initially and then claim back after mortgage was approved for the 5%?
siobhan1983 wrote: » My solicitor got back to me again this evening and as I didn't sign the official handover contracts until after that then I should qualify. She said she will send in representation on my behalf if it comes to it.
Freddy2017 wrote: » Had you received a 'claim reference number'? Our application was accepted and we received access and application codes and got a message to say what amount of a refund we would be getting. I submitted my claim about two weeks ago and got a claim reference number. I rang revenue the other day and the lady seems to think that my claim is through but that there is a technical issue and they don't know why I haven't received a message to say refund is being issued. She said it is gone to IT support and I should hear soon. I am starting to panic a little now because I have heard nothing since. I read on a previous post that someone was told that once you receive a claim reference number it means that the money will be paid. Is this right? At what point is the claim accepted?
notkenny wrote: » as far as I know, You will have to give this codes to builders and bank because Revenue will contact the builder to verify your purchase. Once they are happy with verification you get your money from Revenue directly to your bank account.
