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2017-21 help to buy scheme - megathread. All help to buy discussion here please

PedroDublin

Hello everyone, what do you think the purchase date mean on the new help to buy scheme? Contracts signed by buyers, contracts received, mortgage withdrawal, closing date..... I have seen different things on different news

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GingerLily

Odette22Odile wrote: »

GingerLily wrote: »

Are you self building?

Nope, buying a new build.

Revenue will pay the developer directly then

Odette22Odile

GingerLily wrote: »

Are you self building?

Nope, buying a new build.

GingerLily

Odette22Odile wrote: »

Hopefully this isn’t too daft a question, but if there is a delay with the application being processed, but you are eligible, can you go ahead and pay the deposit yourself and then use the rebate at a later stage?

Are you self building?

Odette22Odile

Hopefully this isn’t too daft a question, but if there is a delay with the application being processed, but you are eligible, can you go ahead and pay the deposit yourself and then use the rebate at a later stage?

Daeltaja

Is there a way to cancel or amend a pending application? I want to change the relief years I selected. There doesn't seem to be an option on MyAccount

charlietheminxx

That's what I'm talking about anyway! I thought it would be automated and fairly quick but it seems not...

Phileas Frog

Are ye talking about the initial application, where it tells you the max you can claim and gives you 2 codes so solicitor & estate agent can verify?

charlietheminxx

swarmberg wrote: »

Mines took 3 weeks from submitting to getting the codes, got them last Friday. Took alot of ringing every two days to try and speed it up though. Id say its around a month wait due to the number of applications.

What a pain! I’ll ring them tomorrow to see if I can get a push on it. The estate agents can’t draw up the contracts without Revenue confirming our refund sum. Probably a lot of people in the same boat at the moment.

swarmberg

charlietheminxx wrote: »

I was onto them on Monday because our application was stuck on pending (even though everything had been submitted, it was a system error on their side) and I asked how long it usually takes to review the applications. I was told it's usually a couple of days if there are no complications but now I'm seriously worried Have you changed your marital status or anything that would require a more extensive review? It's 2 weeks since we first applied and the bank and estate agent are both looking for our HTB details so I hope what you were told is wrong!

Mines took 3 weeks from submitting to getting the codes, got them last Friday. Took alot of ringing every two days to try and speed it up though. Id say its around a month wait due to the number of applications.

charlietheminxx

Aleera wrote: »

I started the HTB process on Monday. Rang revenue today and was told there’s approx a 4 week wait list before the application is even assigned to a case officer. Anyone else been told this?

I was onto them on Monday because our application was stuck on pending (even though everything had been submitted, it was a system error on their side) and I asked how long it usually takes to review the applications. I was told it's usually a couple of days if there are no complications but now I'm seriously worried

Have you changed your marital status or anything that would require a more extensive review? It's 2 weeks since we first applied and the bank and estate agent are both looking for our HTB details so I hope what you were told is wrong!

GingerLily

Aleera wrote: »

I started the HTB process on Monday. Rang revenue today and was told there’s approx a 4 week wait list before the application is even assigned to a case officer. Anyone else been told this?

They seem to be getting a massive surge in applications, out only took 1 day, but it was late 2017!

Aleera

I started the HTB process on Monday. Rang revenue today and was told there’s approx a 4 week wait list before the application is even assigned to a case officer. Anyone else been told this?

el Fenomeno

Yeah, you've only 2 options.

(i) Apply now based on 2015-2018 taxes.
(ii) Hope the HTB gets extended another year, and apply next year using 2016-2019 taxes.

awec

Xios wrote: »

Hey guys, I've a question.

The missus and I are looking to buy before the end of the year. And we're exploring the HTB scheme. However we've been in college/training for the last few years, so our paid tax only comes in at about 8k for the past few years.

We're both earning considerably more this year and will pay a lot more in taxes. Is there anyway we can include a portion of this year tax payments when applying for the scheme? As it makes or breaks our deposit goals before year end.

No.

2018 is the latest tax year you can use as of now.

Daniogroove

Xios wrote: »

Hey guys, I've a question.

The missus and I are looking to buy before the end of the year. And we're exploring the HTB scheme. However we've been in college/training for the last few years, so our paid tax only comes in at about 8k for the past few years.

We're both earning considerably more this year and will pay a lot more in taxes. Is there anyway we can include a portion of this year tax payments when applying for the scheme? As it makes or breaks our deposit goals before year end.

I don't think you can submit form 12's until the year is out. Best to ring revenue and ask. I would wait til next year if i was you, use this year to save and for showing saving history for your mortgage application. The way the housing crisis is i can't see the HTB going anywhere next year.

Xios

Hey guys, I've a question.

The missus and I are looking to buy before the end of the year. And we're exploring the HTB scheme. However we've been in college/training for the last few years, so our paid tax only comes in at about 8k for the past few years.

We're both earning considerably more this year and will pay a lot more in taxes. Is there anyway we can include a portion of this year tax payments when applying for the scheme? As it makes or breaks our deposit goals before year end.

Daniogroove

Tipsy McSwagger wrote: »

I resubmitted so I could include 2018 and got a message it’s benn cancelled as I have an underpayment of €295 for 2018. What a pain in the ass that is, I don’t do my own taxes. I’m in 2 minds now to include 2018 and pay the €295 and hope I get a good amount included when the application is approved or just not submit for 2018.

Pay it. If you've been in steady employment think of each year as 1.25% of your deposit. Definitely worth it

Tipsy McSwagger

I resubmitted so I could include 2018 and got a message it’s benn cancelled as I have an underpayment of €295 for 2018. What a pain in the ass that is, I don’t do my own taxes. I’m in 2 minds now to include 2018 and pay the €295 and hope I get a good amount included when the application is approved or just not submit for 2018.

Creamy Goodness

My guess is there’ll be a rush of builders making sure they can claim it before the deadline in December. I wouldn’t worry about it.

GingerLily

Phileas Frog wrote: »

Does the property need to be completed by the end of the year to avail of the HTB?

I think you need to claim it which you can do as part of contract signing rather than waiting for the property to be complete.

charlietheminxx

Phileas Frog wrote: »

The revenue one? I found it, it seems to say the opposite... So I should be ok

"The first-time buyer must have entered into a contract to purchase a new house or apartment on or after 19 July 2016 and on or before 31 December 2019."

Whoops

My mistake... Apologies.

Phileas Frog

charlietheminxx wrote: »

Yes, there was a PDF posted a couple of pages back that outlines the different scenarios and it confirmed that.

The revenue one? I found it, it seems to say the opposite... So I should be ok

"The first-time buyer must have entered into a contract to purchase a new house or apartment on or after 19 July 2016 and on or before 31 December 2019."

charlietheminxx

Phileas Frog wrote: »

Does the property need to be completed by the end of the year to avail of the HTB?

Yes, there was a PDF posted a couple of pages back that outlines the different scenarios and it confirmed that.

Phileas Frog

Does the property need to be completed by the end of the year to avail of the HTB?

charlietheminxx

I'm going through the same thing. I set up the group, submitted all my Form 12 staff, my partner confirmed his addition to the group and did all his. A week on, mine still says it's waiting for my 2018 Form 12 (even though this was done the day after the others, I was just waiting for my pension cert) and that my partner is "awaiting membership confirmation". His shows the same for me. I thought it was supposed to be a very quick and easy process but it seems not!

awec

andydurnin wrote: »

Has anyone got a contact number for revenue for the help to buy scheme?

You just ring the usual PAYE number.

Crey86

Daniogroove wrote: »

Has anyone else been told at stage one, Tax Clearance Certificate not issued.

I'm a PAYE worker as is my wife, I applied immediately after getting my P21, revenue explained that it takes some days for the system to see the P21 even though the cert is online.

Does this sound right? Or am I going to find out in a couple of days that I need to apply for a tax clearance certificate. I went through the eForm and it doesn't seem in anyway relevant to me or the HTB.

You have to request p21's for each year you want to use and then submit form 12's for each year after that.

So, just to clarify, apparently I was randomly selected for review, and they told me to complete the Tax Clearance Certificate form. As soon as I hit submit it came back clear.

I must have rang revenue about 15 times during the process and got different answers each time. My feeling is that the system is just full of bugs and the staff are taking the shot in the dark approach to troubleshooting.

I had an argument with one lady who was trying to convince me that it was my wife that applied and not me.

Nope definitely me that applied, but her computer was right.

Julez

andydurnin wrote: »

Has anyone got a contact number for revenue for the help to buy scheme?

Was wondering this too. To quote Brian201888 above "Called Revenue today and they didn't seem sure what was going on" is a pretty common theme. Them seem to just say anything to try to get you off the phone. I wish you could call people who were directly working on HTB so they actually knew what they were talking about.

I have created a group and added my partner, and she has accepted. On my end it says that we are "Awaiting Member Confirmation" for her, on her end it says that I've been added successfully. Her status says "Your application is currently under review". Really hard to know if its actually moving along or if anything is blocking it. We have everything ready to go, potentially wanted to put deposit on house this weekend but can't without this. Status has been like this a couple of weeks now.

Brian201888

When I log into Revenue it shows that my Form 12's are all submitted for the years in question but when I attempt to move forward it says that I need to submit them. Called Revenue today and they didn't seem sure what was going on and took my number saying someone would call me back but that didn't happen.

Anyone else have the same happen?

Aleera

Hello. I’m just starting the HTB process at the moment and am at the beginning stages. Can someone explain the whole Form 12/P21 situation? Finding it so confusing.

Many thanks