Lemonee_ wrote: » Hi all, quick question on savings for a mortgage. We save the same amount each month and transfer it to a joint savings account on payday. Is it better for this to be set up as standing order/direct debit or is consistently transferring it on pay day okay? Thanks in advance!
IHateNewShoes wrote: » Can anyone tell me the logic behind estate agents putting POA on their online ads? I find it extremely frustrating!!
Jasna1982 wrote: » I read somewhere on here that banks can decline you a mortgage if you want to buy a house far from where you work. Is that a hard and fast rule? I work from home but not officially, meaning it’s not in my contract. Would it be a problem if I want to buy a house in a different county?
voldejoie wrote: » Application in with Bank of Ireland for AIP today. My broker said their AIP lasts for 12 months which would be ideal! Given the constraint on the supply at the moment, and the expected crush once restrictions are lifted, I'm starting to think the second half of the year is more realistic so would be good to have approval in hand without having to worry about it after the summer. Also good to have a chance to save up a bit more! Anyone have any insights in terms of how long BOI take to get back?
Busi_Girl08 wrote: » Our broker is just sending off our application to KBC. Anyone here with KBC recently? How long were ye waiting for your AIP?
JohnK wrote: » Depends on the bank - PTSB told me I'd have to pay it off before a drawdown or they'd reduce what they'd give me but EBS had no problem and said as long as it doesnt impact my repayment ability its fine to have the PCP.
DubLad69 wrote: » Does anyone know how the banks view credit card use? I got AIP from AIB and EBS for the amount I need. In the months leading up to the application I only needed to use the credit card once or twice. We had to make a large purchase this month that has put us very tight for money if we continue to save the same amount each month. Is it okay to occasionally use the credit card, as long as its paid off in full before we receive a statement? It would be extremely helpful to use it a little, bit we also don't want to mess up our application.
topmanamillion wrote: » It would also reduce the amount you'd be able to borrow if it was still there at application time.
Damo 2k9 wrote: » Hi all, starting to get serious with the saving now. Currently have a Hire Purchase finance on my car, approx 1.5 yrs left (€3.5k roughly). Recently came into some money, should I look to: - Pay the outstanding, meaning more money to save each month going forward - Keep the money that I have come into, and use this as a big jump in savings Would appreciate anyones thoughts!
Deleted User wrote: » I got asked for additional documents so was another week after that. So overall about 2 weeks. I do have a savings account with them which might factor in.
brianc27 wrote: » how long did it take through BOI, i applied online last sat and go a reply last Wednesday looking for extra documents, uploaded those pretty much straight away but haven't heard anything since.
Deleted User wrote: » And got approval from BOI today. So got two approvals. Had no problems getting 3.5 times my salary. Now just to keep saving while I wait.
Yella wrote: » Phase 2. I don't think foundations are laid. It is in the same street as 8 Parklands Place according to the plan. Which one is yours?
Renjit wrote: » Which phase did you book? The current phase still has outstanding work. And I think you should take their word with a pinch of salt. Delays are often in this build.
Yella wrote: » We booked Parklands in Citywest. The EA is promising June to Aug delivery but other buyers are indicating it may go longer than they promised. The thing my spouse has her contract till 31 Jan 2022. The contract may extend or may not. What if we drawdown close to her contract date? Will banks object to that once the full offer is given? Thank you.
![Photo of [Deleted User]](https://wd.vanillicon.com/v2/dbba4c22aa1d352d2cdbb076e36aea8c.svg)
