Rebuilding Ireland home loan

does getting that AIP show up on your credit report with the CCR?

Hi our local authority home loan went to the underwriters on the 28th of March in sdcc any idea how long it takes for them to get back to us? And regarding the health checks do u not just get a report from your gp?

Thanks 😊

congratulations!!!

Congratulations, wow it took that long , did u apply to sdcc? What's your next step now?

Hi there,

Does anybody know how long +/- takes to receive mortgage pack? We're at last stage where documents are with the law department and it's nearly 2 weeks now. Our solicitor didn't get it yet. I was hoping to sign the contracts before Easter

It's Fingal CC

Ok our solicitor got after 2 weeks

Happy days!

Yes you should be fine with those offers - as long as they are insufficient to buy a home you are good to go

Hi all,

I applied to 3 councils in March. I got approval from one council yesterday. Will I likely be approved with the others? I'm really nervous because I have to move but the house prices are just soaring. I need as many options as possible. Thanks in advance

Thank you! Yes they were very quick. I'm so greatful. The banks wouldn't even consider me due to having children so thank goodness for this loan. I'm afraid I may be squeezed out of the market though 😕 There are fewer and fewer houses in my price range.

Can I ask how long did it take to hear back from the other councils? Was there a big time difference? TIA

I'm still waiting on the approval from the council where I currently live. I found the perfect house that would suit my kids for school and sports etc. However, when I asked for an update the council said they gave my application to the housing agency mid April and haven't heard back yet. How long usually does it take once it goes to housing agency? Is that last step? I'm worried about missing out on this house

Hi there,

Anyone apply to Galway city council? How long approx?

Hi there,

Question about what happens after approval - my application is with the underwriters currently, I've applied to Dublin City Council, so fingers crossed I get approved. Hoping it'll come through in the next couple of weeks (LAHL).

What happens next once approval comes? Can I start looking for a place straight away, or does anything else need to happen to confirm my approval afterwards?

My big concern is that I am on the border of eligibility, a single applicant earning just under 65k. Will this be assessed again before drawdown? We sometimes have small mid-year bonuses, they are irregular though (we got a small one last year, but I still earned under 65k for the year, and then I didn't get one at all in 2020). My worry is that if I do get a mid-year bonus it could tip me just slightly over the 65k, so I'm wondering if they will check everything again at the drawdown stage.

What happens once you go sale agreed? Is there any more eligibility assessment after that? What are the next steps? Interested to hear from someone who has been through the whole process.

Good luck! You will probably get a letter in the mail. I've been waiting at the door every day for the postman, like a dog. First approval letter I got was like winning the lottery 😅

I have a query if anyone can help me. My brother transferred some money to my account (nothing to do with house purchase). I know the council look for updated statements so I have an email from transferwise confirming who sent the money to me and my brother has sent me an email explaining what the money is for. Will this be enough information for the council when i submit updated statements? Or should I get a letter?

Hi, after applying i was given some money to help with solicitors fees, moving costs etc. Do I need a deed of confirmation or is a gift letter good enough? Thanks