Doctorsamuel wrote: » yes, I am
mojesius wrote: » Yeah we cleared everything before applying to ensure we got get max loan, credit cards, overdraft etc. Makes things a lot more simple for you and lender.
RedXIV wrote: » We had 10k outstanding on a car loan but got approval in principle this morning After submitting it on Monday!
Pivot Eoin wrote: » Wow, very quick. Who was the lender? Mine took 2 weeks, so not too bad, but that was months ago, was hearing its taking a lot longer now.
Ticking and Bashing wrote: » Just wondering - is the AIP emailed or posted to you? Currently house sharing and would prefer if my housemates didn't see mortgage documentation arriving in the post. (applying with Aib first).
Starlord_01 wrote: » We were told if possible, to pay off any loans. The fact you have 60k for a deposit you could use that to clear it, unless you want to go for mortgage of less than 90% LTV.
Ticking and Bashing wrote: » Thanks! the AIB online process was actually really easy. 15mins to get the AIP PDF. Just need to sort out all the other documentation now needed!
Meraf wrote: » Once your documents got proper review and accepted AIB will send letter by post to you with AIP
Bubbaclaus wrote: » The letter is on the system immediately, no need to wait for post.
Meraf wrote: » True but you are getting AIP conditional first online, once all papers reviewed you are getting by post AIP & online
cant26 wrote: » We were so lucky. The time frame from submitting our application and receiving our loan offer was 11 working days. That was even with a bit of hassle with the HTB. This was in the last three weeks so some people are moving quickly. Our broker and solicitor are still in shock at how fast things have moved for us. Hopefully it continues that way!!
DianeMc2018 wrote: » Can I ask what was the hassle with the HTB?And if others have experienced hassle with the HTB?
unhappys10 wrote: » Mine won't go through, saying I haven't submitted an income tax return for 2018 when I have. Got onto them about it last Monday and still waiting for a response.
Shadow2019 wrote: » Hello My partner and I are looking to get a mortgage with my previous credit issues. Both my bank (ptsb) and Finance Ireland have said they need 2 years clear which will be Feb 2021 before considering an application. Combined income of 84k , save 1450-1700 monthly and savings of 80k / no debt. Looking for 250/260K with 20% deposit minimum. We are now in a position where our circumstances are changing and we need to move on from where we are (living with a parent).The rental market is 1600-2000 a month where we live. I’m wondering if anyone has experience of being approved with less than 2 years clear? I was thinking of applying to bank but I’m worried if they refuse we might be told we can’t apply again for x number of years etc. Thanks for reading!
dodo87 wrote: » Hi all, My offer was accepted on a house on Saturday morning. I am currently approved with AIB which is my current bank and need to send on all the details of the house. AIB are currently saying there is a 15 working day turn around. I just noticed last night that BOI are doing cash bank on all new mortgages. This money would go a long way as there is quiet a bit of work to be done on the house. Just wondering is it worth applying with BOI too while I am waiting for AIB to finalise the details and if the cash back is worth it as the 2% will be almost 4,000 to me which would go along way. Thanks in advance
Kh1993 wrote: » Maybe a silly question, but has anyone experience with applying for a mortgage alone as a single applicant at the same time as a joint application as a couple. With the subsidy in effect, our joint application is going nowhere for 6 months. So in the meantime if a cheaper house we like comes up, I’m looking at applying myself. Will a bank let me apply even though they’ve given me AIP on a joint one? And would it cause problems down the line?
SheepTurtle wrote: » This happened to me too for 2019 year even though I had already received my tax refund. I opened an enquiry on MyGov.ie and it took a couple of days for them to fix it. Once done the HTB confirmation was visible on my account straight away. We might not end up buying a new house and claiming it but wanted the option there if we did.
mimimcmc wrote: » Similar to our situation, we had AIP with AIB when house hunting, went sale agreed and when looking at banks again, decided the cash back offer from BOI would suit us, we contacted our local branch and they gave us AIP within a week and had loan offer sent just a couple of days later. Now we decided against the cashback as the mortgage repayments were just a bit too high for us, we have decided to go with AIB and are waiting almost 3 weeks now for loan offer. BOI can certainly get things done very quickly
guyfawkes5 wrote: » The discussion around cashback changes quite a bit when you factor in switching in the near future.
dodo87 wrote: » is it harder to switch in the future?
