Rosstopher wrote: » Yeah, they weren’t consecutive fortunately but it’s still not a nice card to be holding regardless. This may be a silly question. But will a CCR report differ from the ICB? I ordered an ICB report yesterday but hadn’t really considered a CCR report. Is either more valuable to check? Or should both always be requested (if any way curious about a mortgage).
Duke of Url wrote: » We have submitted our Joint application as FTB So much documents to submit
bulmersgal wrote: » Did you go to one bank or a broker. I went with a broker was amazed at all the paperwork, it was like a book of paperwork. Took hours to fill out and get all the paperwork.
Markitron wrote: » I have been saving my deposit in the Credit Union, this won't be a problem will it? Does it need to be in a specific type of savings account?
Duke of Url wrote: » Directly with BOI as Our Current accounts, Savings Accounts, Mortgage Savers account and Credit card accounts are with them.
Duke of Url wrote: » No. Its about proof of saving . doesnt matter where your Savings are stored once you can provide Statements. We have a Bank Of Ireland Mortgage Savers account as we will get cash back.
bulmersgal wrote: » No I set mine up in BOI we they have a mortgage saver account and if I get my mortgage with them I get 2k back but after dirt it's 1,300 I think. I just picked them as I don't bank with them so I'm not tempted to access the funds
Markitron wrote: » Ah grand, I went with the CU as it would make it much harder for me to access it.
Maz2016 wrote: » Saving can be so disheartening. Saw a place I like (via virtual tour). The asking price is €185k. I rang the EA there to go see it. He said viewings are starting next week and someone has already put an offer in of 195k. So annoying!
Duke of Url wrote: » Dont believe everything you are told by EAs View the house and if you like it then put in an offer below asking price.
EamoCork wrote: » For those who have already experienced bidding on a house, would this be a very common scenario? Would Estate Agents usually try and hike up bids when first approached by a potential buyer? I intend on bidding under the asking price if buying after the summer. But I'm not sure if estate agents would just plain ignore me if its a bid well below the price on the property.
Captainsatnav wrote: » They're trustworthy ppl. They don't lie.
antimatterx wrote: » I recommend the podcast 'The Home Stretch' to people. It's a 6 part series on buying your first house in Ireland.
Dylan94 wrote: » I know that exceptions aren't readily avaliable at the moment, but does anyone know at what intrest rate they stress test you at? Or does anyone know how much they want a couple to have left over after mortgage and loans each month?
Markitron wrote: » While we are talking about exemptions, as a single applicant I will probably need one. Lets say hypothetically they will be giving them out again next year, would I be better off clearing my car loan as soon as I have my deposit or should I keep saving? There will be about 7k left on it by then which I could probably get rid of in a few months.
Creamy Goodness wrote: » What's the repayment on the car loan? Generally the mortgage advisors will take the repayment off your discretionary income, so if it's quite low say under 200, it might not have a big affect on your ability to repay. if it's slightly higher try to get rid of it and build 6months of (regular) savings after it's cleared then do this, even better if you can add the monthly repayment of the car loan into your savings further boosting your deposit.
