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2017-21 help to buy scheme - megathread. All help to buy discussion here please

PedroDublin

Hello everyone, what do you think the purchase date mean on the new help to buy scheme? Contracts signed by buyers, contracts received, mortgage withdrawal, closing date..... I have seen different things on different news

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Seaandwind

CKenna wrote: »

My application still says awaiting membership confirmation for me and my partner applied the 18th of January and no change she accepted the request to join when we applied but still says the same am I missing something?

This happened us and we rang PAYE who found tax that was owed. However we still appear as ‘awaiting membership confirmation’ so who knows. But try ringing PAYE for advice- anyone I spoke to there has been extremely helpful infairness.

Busi_Girl08

Some people here (like myself) waited about 6 weeks for theres to go through (I applied on the 14th of January, my partner was approved about 3 weeks later and me another 3 weeks after that - on my part I was on the WSS last year so that delayed things), others were through in a matter of days, others nearly straight away.

They seem to be nearly through the backlogs/delays from the start of the year.

If you're at a critical stage of a house purchase then get on Revenue's case, send on the necessary contracts and advise it needs to be done ASAP.

CKenna

My application still says awaiting membership confirmation for me and my partner applied the 18th of January and no change she accepted the request to join when we applied but still says the same am I missing something?

kev_s88

Hey all. I'm sure there are no new questions here and that all have been answered somewhere along the way but i'll ask anyway and hopefully someone has some advice.

Me and my partner put in a Joint application for HTB at the end of last week. At this stage we are expecting around a 2 week wait to hear back on our application. We were both on TWSS from our relevant jobs for a few months during Summer 2020. Now we are sitting with the large tax bill that is owed.

I know Revenue announced that they would give leeway on HTB applications for people that owe tax due to TWSS, but has anyone seen a notable delay in applications coming back? Has anyone had any issues relating to owed taxes due to TWSS in their HTB?

Busi_Girl08

maon04 wrote: »

Hi,

I am confused. We are just waiting for a call to get our house keys and instead we got an email from our solicitor saying that the builders have problems getting the funds from our help to buy (combined we got the 30k)
It seems like they only can access my tax refund but not my partners?? (Which is the one that has the biggest amount)

Could be a mistake from Revenue? Maybe the person sending the money only sent my part and forgot my partners? Is that even possible? Is that something we/revenue/builders are missing?

We are quite frustrated as we were expecting to get the keys today and we packed all already. (Also need to leave the current house before end of the week!!)

Now we made an enquiry to the Revenue, currently in the queue but it can take days or weeks!!! So sooo frustrating...

Any ideas anyone?
Really appreciate it...

Thanks

Just checking if you had any luck with this? My only advice if not yet sorted would be on Revenue's case, keep contacting and chasing, and send on whatever documents you have that say you're at purchase stage and need the funds to confirm.

Klopp

Seaandwind wrote: »

This happened us too, I rang the PAYE helpline and they could tell us we had tax owing. However that is still coming up on our application. We were told it is a waiting game now but to be honest it is very frustrating as we applied Jan 15th. There is no way to contact them bar the My Enquiry tab which I did and heard nothing either. Not sure what else we can do.
Hopefully you get sorted soon.

Thanks, when i requested a SOL for this year it told me i owe 2 cent and partner owes 3 cent but no option to pay? I'll ring them this week and see what they say about our application.

rose_2

iamsosmart wrote: »

Just to update, we got approved today! Had initially applied on 21st Jan.

I got a message today saying my HTB application was cancelled. Applied in January

Milena009

showpony1 wrote: »

I have been just looking into HTB recently, just wanted to clarify as i may have this totally wrong;

Taking, for example, a €350,000 new build which would require 90% Mortgage = €315,000 Mortgage + €35k Deposit required.
When i entered this data on a new build mortgage calculator it showed Requirement of - €5k Cash Deposit + €30k HTB Rebate.

I had assumed when you obtained the €30k HTB relief, you would knock this off the price of the house and still require deposit for bank.
i.e. €350,000 - €30,000 HTB = €320,000. So a €32,000 bank deposit still required? or is it only the 5k above mentioned needed?

So basically, You need to pay 5k booking deposit. You then can go onto claiming htb with loan offer & contract signed.
Deposit as total is 10% so 35k in this example [30k coming from Help to buy)

Hope this helps.

showpony1

I have been just looking into HTB recently, just wanted to clarify as i may have this totally wrong;

Taking, for example, a €350,000 new build which would require 90% Mortgage = €315,000 Mortgage + €35k Deposit required.
When i entered this data on a new build mortgage calculator it showed Requirement of - €5k Cash Deposit + €30k HTB Rebate.

I had assumed when you obtained the €30k HTB relief, you would knock this off the price of the house and still require deposit for bank.
i.e. €350,000 - €30,000 HTB = €320,000. So a €32,000 bank deposit still required? or is it only the 5k above mentioned needed?

iamsosmart

iamsosmart wrote: »

Hey all,

Has anyone got HTB approval recently?

I applied with my partner in January and am still waiting on approval. Revenue advised we require manual review as my partner's employer was using the Employment Wage Subsidy Scheme for a few months in 2020.

It's been almost 7 weeks at this stage though..

Just to update, we got approved today! Had initially applied on 21st Jan.

newhouse87

Seaandwind wrote: »

Did you get an email to say it expired? I don’t understand how there isn’t better communication with this. We too are waiting weeks and weeks. It’s very frustrating and I’ve been assured there is nothing left to do but wait. They said last week it was ‘assigned’ to someone but no further contact.

I queried the expiry as somebody had told me it may expire and they replied telling me i had to apply again.

Seaandwind

newhouse87 wrote: »

Had to re apply as mine expired, applied in January heard nothing, rang yesterday and they said i owed 48cent in tax, i paid that off the first time i applied and your man said they must have missed that and should now go through soon, if you are waiting a while , ring as they done seem to contact you to tell you what is the problem.

Did you get an email to say it expired? I don’t understand how there isn’t better communication with this. We too are waiting weeks and weeks. It’s very frustrating and I’ve been assured there is nothing left to do but wait. They said last week it was ‘assigned’ to someone but no further contact.

showpony1

where is best to search for available/up-coming new builds with prices?

newhouse87

CKenna wrote: »

What number did you use?

017383636

CKenna

newhouse87 wrote: »

Had to re apply as mine expired, applied in January heard nothing, rang yesterday and they said i owed 48cent in tax, i paid that off the first time i applied and your man said they must have missed that and should now go through soon, if you are waiting a while , ring as they done seem to contact you to tell you what is the problem.

What number did you use?

newhouse87

Had to re apply as mine expired, applied in January heard nothing, rang yesterday and they said i owed 48cent in tax, i paid that off the first time i applied and your man said they must have missed that and should now go through soon, if you are waiting a while , ring as they done seem to contact you to tell you what is the problem.

muppetkiller

We applied about 3 weeks ago and heard nothing back.We confirmed that my partner is a member of the group but its states "Your Application cannot proceed because either of you have outstanding issues on your tax affairs or all the group members have not confirmed membership of the group" But it doesn't state what the issues are and we are both confirmed members ? Can't find a way to get through to the Revenue office either to find out what is going on.

Seaandwind

Klopp wrote: »

I made a joint application earlier today, I saw my partner's name had down beside it 'Awaiting membership confirmation, she accepted the application to the Group and we both submitted our Statement of Liability for the previous years.

Is it a case the status will update and progress once our application has been assessed and approved or do I need to ring them?

This happened us too, I rang the PAYE helpline and they could tell us we had tax owing. However that is still coming up on our application. We were told it is a waiting game now but to be honest it is very frustrating as we applied Jan 15th. There is no way to contact them bar the My Enquiry tab which I did and heard nothing either. Not sure what else we can do.
Hopefully you get sorted soon.

Klopp

I made a joint application earlier today, I saw my partner's name had down beside it 'Awaiting membership confirmation, she accepted the application to the Group and we both submitted our Statement of Liability for the previous years.

Is it a case the status will update and progress once our application has been assessed and approved or do I need to ring them?

maon04

Hi,

I am confused. We are just waiting for a call to get our house keys and instead we got an email from our solicitor saying that the builders have problems getting the funds from our help to buy (combined we got the 30k)
It seems like they only can access my tax refund but not my partners?? (Which is the one that has the biggest amount)

Could be a mistake from Revenue? Maybe the person sending the money only sent my part and forgot my partners? Is that even possible? Is that something we/revenue/builders are missing?

We are quite frustrated as we were expecting to get the keys today and we packed all already. (Also need to leave the current house before end of the week!!)

Now we made an enquiry to the Revenue, currently in the queue but it can take days or weeks!!! So sooo frustrating...

Any ideas anyone?
Really appreciate it...

Thanks

JohnK

iamsosmart wrote: »

Hey all,

Has anyone got HTB approval recently?

I applied with my partner in January and am still waiting on approval. Revenue advised we require manual review as my partner's employer was using the Employment Wage Subsidy Scheme for a few months in 2020.

It's been almost 7 weeks at this stage though..

I'm the same, we were on it for about 2 months and my application is still pending - I applied on Jan 20th

iamsosmart

Hey all,

Has anyone got HTB approval recently?

I applied with my partner in January and am still waiting on approval. Revenue advised we require manual review as my partner's employer was using the Employment Wage Subsidy Scheme for a few months in 2020.

It's been almost 7 weeks at this stage though..

caoimhe_kelly

Deleted User wrote: »

You can get approval for stage 1 of htb

That should be enough for the builder/solicitor if you have the access code and figure you're approved for

Not sure that you could get to deposit stage without mortgage offer though

Thank you. I have the stage one approval and the access codes. Yes, I was thinking I need mortgage offer alright to complete the claim stage

[Deleted User]

You can get approval for stage 1 of htb

That should be enough for the builder/solicitor if you have the access code and figure you're approved for

Not sure that you could get to deposit stage without mortgage offer though

caoimhe_kelly

caoimhe_kelly wrote: »

At the moment I only have AIP from the bank and the rest of my deposit is due on signing the contracts. I presume I won't be able to use HTB towards my deposit as I haven't received the mortgage contract offer yet?

Anyone?

Pete123456

ADO wrote: »

I have a silly question, myself and my partner applied for HTB and we got approved, it was a joint application, when I check the application it says my max relief available is 18k, max joint relief available 30k, when my partner logs in hers says her max relief available is over 13k and joint max available 30k, just want to clarify that means we are entitled to the full 30k between us is that right?

Sounds like it. If ye went in your own ye would get the individual amounts but obviously you can’t get 31k so it tops at 30

ADO

I have a silly question, myself and my partner applied for HTB and we got approved, it was a joint application, when I check the application it says my max relief available is 18k, max joint relief available 30k, when my partner logs in hers says her max relief available is over 13k and joint max available 30k, just want to clarify that means we are entitled to the full 30k between us is that right?

[Deleted User]

I uploaded an unsigned copy but also the letter/mail from our solicitor to theirs when it was sent/received

I did raise a case after on revenue with the scanned page of signatures but tbh i don't think that wad even reviewed before we got approved, so ......?

Pete123456

badger54 wrote: »

Sorry for such a basic question but what did this entail? Assume you managed to scan contract and upload as a pdf? I'll be signing soon and solicitor (shockingly) can't scan documents! Neither can I (working from home).

You don’t actually need a signed copy - an unsigned copy should be fine if that makes any difference?

caoimhe_kelly

At the moment I only have AIP from the bank and the rest of my deposit is due on signing the contracts. I presume I won't be able to use HTB towards my deposit as I haven't received the mortgage contract offer yet?