Sonny LoSpecchio wrote: » My partner and I have our deposit sorted, our side pot filling up nicely my parter works on a fixed term contract witch wasn't a problem at first when we spoke to our broker, I work in construction and have been back in work since May, My partner not long after me she's in childcare, We've brezzed through everything until now, her company is claiming the wage subsidy and our broker is now saying the banks won't deal with us till she either leaves the job or the subsidy comes to an end, Really stuck between a rock and a hard place, we can go mortgage approved but can't draw down! Very frustrating, Anybody in similar situation?
myke247 wrote: » We have been refused twice by one bank and still in process with another .. We are FTB with full HTB and great savings - not looking for huge loan amount and we have been refused for our sectors we work in... One of us on ewss and full wage and the other not. Asked if one in Ewss moved to another sector job and not on Ewss... Told check back in 6 months... Its pretty bleak out there just now... ��
TaDa wrote: » You had to provide a letter just to get the loan offer? I had only heard of a letter being needed at Draw down.
klose wrote: » What exactly is the letter they ask for at AIP stage? We have sent in all updated documentation to AIB as we are in the process of buying our house and still have not been asked for a letter, it took ages to get our original AIP so I assume we have been well audited.
cubatahavana wrote: » Solicitor received drawdown today from KBC. They asked for letter from employer at AIP stage. After that all was good. Didn’t ask for anything extra at drawdown
Gemma_22 wrote: » Congrats!! Had you given any employer letters before the drawdown one? I have given these letters in for loan offer so I'm wondering am i going to need a new one for drawdown.
Dec2020 wrote: » BOI update - I drew down last week, BOI require most recent payslips, bank statements and letter from each employer confirming they are not getting EWSS.
greengrass88 wrote: » Did you have any luck with this Gemma_22? Still a resounding "no" from banks for us as far as I can make out. Dont really want to go through the hassle of getting everything in order for the mortgage and finding a house we love only to be told we cant drawdown.
brisan wrote: » Its seemingly now not just PUP and EWSS Letter in the Independent on Sunday where the writer was refused a mortgage because he worked in the Aviation industry Not a FTB he already had a mortgage with the bank for 6 yrs and had never missed a payment ,but they still refused him because of where he worked He was not on EWSS
cubatahavana wrote: » Is this is for the applications for loan offer? once loan offer has been granted, as long as it is not listed as part of the conditions, I suppose people are ok and the banks will leave them alone?
ianm1990 wrote: » Just on this , I luckily got mortgage , but looks like just in time as my paperwork was to far ahead to have it pulled. I was talking to the broker in permanent tsb yday , and she said they have got so much stricter regarding the EWSS and are now calling the HR in the jobs to make sure the company are not receiving the scheme. I was able to drawdown on the bases that the company were receiving it but it wasn't actually been used for my wife's wage. She said absolutely no chance that would of gotten through now !.
Gemma_22 wrote: » It's so refreshing to hear some positive news on this topic!! Great news for you and your wife I hope the rest of the process runs smoothly! I've had a lot of sleepless nights and currently waiting on loan offer from ptsb. My letter from my employer is in and its such a nervous time.
ianm1990 wrote: » Just giving an update here , wife on EWSS with permanent tsb , got letter of employer stating that my wife is not receiving EWSS but that the company is. As of 2 days ago , that part of the drawdown section was passed no problem , didn't ask for up to date payslips or anything either. We had given an up to date letter from my wife's job stating her wage is unchanged etc. I'm not saying I have the money in the solicitors bank yet , but all that's left to sign off on is the mortgage protection , and there hopefull funds will be released today or Monday! Anybody going for mortgage application, just go for it , so many people here will tell you absolute nonsense, but some just say it how it is. Very stressful journey , but there is light at the end of the tunnel!
Kh1993 wrote: » Are banks taking into the account the childcare sector element? All childcare and early educational facilities are blanket receiving the subsidy as a stimulus. They’d be mad not to accept it. It’s literally free money. Taking it certainly doesn’t show that the company is in bad financial health AIB up til last week we’re taking cases on a case by case basis and weren’t giving a blanket no to anyone on EWSS. Hopefully that doesn’t change like PTSB.
Dubs1990 wrote: » It looks that way , I should know by the end off the week if I get to loan offer. I will keep it updated here.
greengrass88 wrote: » I've been looking into this issue a lot but still seems to be bad news for most people on EWSS. I could of put up with waiting until april 2021 to buy a house - the ewss was due to end april 2021 - but then they announced in the budget that the subsidies would continue until end 2021. Totally devastated at this thought! Someone in this thread mentioned they had some luck with AIB - aib told me no due to me being on subsidy, but maybe read back through the thread and give aib a go...might work out for you!
Gemma_22 wrote: » Yes we are trying to be positive but its so hard with all the set backs haha we have come so far at this stage its horrible to think it would all be wasted and like yourself really invested in this property. Fingers crossed it will work out
