Renjit wrote: » They may ask for credit report from international bank/country.
Farrell D wrote: » Credit Report does not show your savings accounts, pensions or investments as they are not credit. They only want to see if you have any loans out and if you did In the past once you didnt miss a payment and payed it back on time .
Kalico92 wrote: » Myself and herself are back from living in the UK and I've secured a permanent role here. My better half has agreed a remote arrangement with some back and forth travel with her company so will still be paid a UK salary. When we're applying would we still be able to submit a joint application with my Irish and her UK salary combined to be considered for the borrowing amount? Or would only my Irish salary be eligible?
BrentMused wrote: » Hi all, My partner and I applied to a number of different banks and after going through the documents required process (payslips, ID, bank statements etc etc) Ulster Bank, BOI and AIB have thankfully given us Approval In Principal. Sorry if this is a silly question but we're a little confused now as to where we go from here. Is it simply a case of identifying a property and going back to the bank then to get a Letter of Offer, or how does the process work after you have Approval In Principle? If someone would be kind enough to outline the steps it would be most appreciated. Thank you.
clayfarm1234 wrote: » based on the other people's experience here - how soon have KBC responded with the Letter of Offer after property valuation? They had promised us 2 weeks - but it is already past 2 weeks now.....They promised 3 weeks for AIP, but took 7 weeks!!! I need to sign my contracts within 28 days, and I just have 1 week left now
jimmy86 wrote: » Our broker told us it was talking at least 10 working days, we applied for the letter of offer last week. We got the AIP in September, took 3 weeks to the day. Hopefully you hear something soon. Did they request any further information or is it fairly straightforward once you have AIP with them I wonder?
clayfarm1234 wrote: » With which lending institution have you taken? is it directly with the bank or through a broker ? Yes - they havent asked any documents yet - hopefully everything is in order - i just do not want them to come after 1 week asking for more documents
nerrad01 wrote: » Im almost finally over the line too, got approved for an exemption in mid november but was quite stressful as i have to close before the end of the year or the exemption is gone. Thankfully everything has gone smoothly and my solicitor has been excellent so looks like i will close on dec 11th all going well. All going well it will be such a weight off the shoulders to escape the dysfunctional irish rental/ sales market
FaberX wrote: » Who did you get the exemption with?
nerrad01 wrote: » Bank of Ireland, i know UB and AIB have also started giving them out again too
Renjit wrote: » What is the requirement for exemption?
recyclebin wrote: » For AIB, I was told you need the following net disposable income after mortgage, loans and childcare are paid for: First Time Buyer Single - €2,400 NDI Joint - €3,650 NDI Second Time Buyer Single - €2,200 NDI Joint - €3,500 NDI
TaDa wrote: » What is this exemption in relation to if you mind me asking? Apologies if already explained but I couldn’t see it
narodvale wrote: » Quick one for someone who might be in the know. We are awaiting loan offer with a view to signing contracts before Christmas. We're also due to be married on Dec 23rd (Though I've said that twice before this year and Covid has proven me wrong). My question is, are we better to wait and sign the contracts after we're married on Dec 23rd/24th, or does it make any difference? The mortgage will be in both our names. Thanks
jimmy86 wrote: » Did KBC issue you with a letter of offer yet?
Milena009 wrote: » Hey guys, General question Partner and I are looking at housing estate that has next phase launching Early 2021 Now, for mortgage How are banks looking at 1) if bonus is paid each year yet not guaranteed? - him 2) mine is a 5% of salary annually however 2021 would be my first year receiving it Otherwise might need to a small exception on LTI Thank you
clayfarm1234 wrote: » They did..had to do lot of pushing...did you get?
