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Rebuilding Ireland home loan

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Comments

  • #362
    Mark Hamill
    Registered Users, Registered Users 2 Posts: 7,781 ✭✭✭Mark Hamill


    SNNUS wrote: »
    I did not have to provide any updated payslips etc..

    I had to give updated bank statements, no payslips though.


  • #363
    Mark Hamill
    Registered Users, Registered Users 2 Posts: 7,781 ✭✭✭Mark Hamill


    autumnbelle wrote: »
    Also it stated in our letter of offer that we will be liable for councils legal fees, does anyone have ball park figure of what this will cost or when it has to be paid

    Based on the bill I got, the fee is in two parts -
    1) Registry fees totalling €780 (these are set and would have to be paid even if your solicitor was doing them).
    2) Professional fees - I was billed ~€680 (could be different depending on the solicitor though).

    It would likely have to paid before drawdown (I haven't reached that yet and I am disputing the fees).


  • #364
    autumnbelle
    Registered Users, Registered Users 2 Posts: 1,162 ✭✭✭autumnbelle


    Mark Hamill wrote: »
    Based on the bill I got, the fee is in two parts -
    1) Registry fees totalling €780 (these are set and would have to be paid even if your solicitor was doing them).
    2) Professional fees - I was billed ~€680 (could be different depending on the solicitor though).

    It would likely have to paid before drawdown (I haven't reached that yet and I am disputing the fees).


    Can you let us know how you get on please


  • #365
    djan
    Registered Users, Registered Users 2 Posts: 1,872 ✭✭✭djan


    Has anybody been able to get their own MPI on this scheme? The quoted 10% of monthly repayments isn't ideal...


  • #366
    LK1988
    Registered Users Posts: 29 ✭LK1988


    Just wondering has anybody been rejected after the credit commitee?

    My application seems to have passed underwriters and housing agency to get to credit commitee but if they have approved what does the credit committee do?


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  • #367
    Mark Hamill
    Registered Users, Registered Users 2 Posts: 7,781 ✭✭✭Mark Hamill


    autumnbelle wrote: »
    Can you let us know how you get on please

    Will do, but that sale fell through and I'm currently only a week sale agreed on another property so it might be a while before I hear anything back.


  • #368
    redmond08
    Registered Users Posts: 165 ✭✭redmond08


    LK1988 wrote: »
    Just wondering has anybody been rejected after the credit commitee?

    My application seems to have passed underwriters and housing agency to get to credit commitee but if they have approved what does the credit committee do?

    The underwriters/housing agency give their recommendations and then it's the council's credit committee who give the final say. But if it's got to the credit committee then that's very positive.


  • #369
    Cocobean1
    Registered Users Posts: 31 ✭Cocobean1


    LK1988 wrote: »
    Just wondering has anybody been rejected after the credit commitee?

    My application seems to have passed underwriters and housing agency to get to credit commitee but if they have approved what does the credit committee do?

    Do you mind if ask if you got a letter telling you it had gone to the credit committee or did you ring and ask? I haven't heard anything yet my application went in 3 weeks ago.


  • #370
    LK1988
    Registered Users Posts: 29 ✭LK1988


    Cocobean1 wrote: »
    Do you mind if ask if you got a letter telling you it had gone to the credit committee or did you ring and ask? I haven't heard anything yet my application went in 3 weeks ago.


    I pretty much have SDCC on speed diall at this stage. I called and they told me it was with the credit commitee.


  • #371
    Cocobean1
    Registered Users Posts: 31 ✭Cocobean1


    LK1988 wrote: »
    I pretty much have SDCC on speed diall at this stage. I called and they told me it was with the credit commitee.

    Thanks. I might give them a ring tomorrow just to see if there's any progress, no harm I suppose.


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  • #372
    raheny red
    Registered Users, Registered Users 2 Posts: 2,591 ✭✭✭raheny red


    ladam wrote: »
    So have most people who have got approved had to show updated statements and/or payslips?
    Our situation has changed since we applied so we will be rightly fecked if that's the case! I hate this ****ein country ��

    Dublin City's approval letter said we will have to provide updated statements, can't remember if payslips was mentioned. Fingal's didn't mention it.


  • #373
    zamzam1983
    Registered Users Posts: 8 ✭zamzam1983


    Hi I’m just wondering how many months bank statements you had to give when applying for this loan? Many thanks


  • #374
    Lee3b
    Registered Users Posts: 42 ✭Lee3b


    They look for twelve months and 12 months savings also best of luck


  • #375
    bri007
    Registered Users, Registered Users 2 Posts: 1,375 ✭✭✭bri007


    Anyone help me out, just wondering how are people doing the 2 bank refusals, I read people are doing it online but which banks online, we went to a bank last week but they said we have to make a full application before they issue us with a letter of what we would be approved or refused for?

    Thanks in advance


  • #376
    Lee3b
    Registered Users Posts: 42 ✭Lee3b


    Bank of Ireland do it over the phone and aid also but u need to send documents to them and they take about a week to get the letter


  • #377
    stryker mcqueen
    Registered Users Posts: 1,288 ✭✭✭stryker mcqueen


    bri007 wrote:
    Anyone help me out, just wondering how are people doing the 2 bank refusals, I read people are doing it online but which banks online, we went to a bank last week but they said we have to make a full application before they issue us with a letter of what we would be approved or refused for?

    bri007 wrote:
    Thanks in advance


    AIB was the easiest I found , approval in principal letter provided without having to speak to someone ha


  • #378
    bri007
    Registered Users, Registered Users 2 Posts: 1,375 ✭✭✭bri007


    Did you just do the application online and then send in salary certs, pay slips etc?
    stryker mcqueen wrote: »
    AIB was the easiest I found , approval in principal letter provided without having to speak to someone ha


  • #379
    stryker mcqueen
    Registered Users Posts: 1,288 ✭✭✭stryker mcqueen


    bri007 wrote: »
    Did you just do the application online and then send in salary certs, pay slips etc?

    Just did the application , and letter was provided straight away to download , I never sent them a thing


  • #380
    Lee3b
    Registered Users Posts: 42 ✭Lee3b


    They told me it would be that easy if i was a member with them it still only tool a week where as I was a with boi and had my letter within the day .. Do u mind me asking mine is gone off to be assessed but I'm afraid the letters are too vague


  • #381
    stryker mcqueen
    Registered Users Posts: 1,288 ✭✭✭stryker mcqueen


    Lee3b wrote: »
    They told me it would be that easy if i was a member with them it still only tool a week where as I was a with boi and had my letter within the day .. Do u mind me asking mine is gone off to be assessed but I'm afraid the letters are too vague

    https://aib.ie/our-products/mortgages

    Use this link, answer a few questions, you'll get AIP and you can print the letter


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  • #382
    bri007
    Registered Users, Registered Users 2 Posts: 1,375 ✭✭✭bri007


    Quick question, do you have to go into the revenue office to get the form HPL1 form stamped by the revenue commissioner or can I post it in and they send it back to me?


  • #383
    Lee3b
    Registered Users Posts: 42 ✭Lee3b


    No you send it to them and they post it back to you very quick service


  • #384
    Lee3b
    Registered Users Posts: 42 ✭Lee3b


    Hey can anyone tell me what percentage of overtime the loan takes into consideration hoping it will bump us up a bit and how much they take out for each child as I have two


  • #385
    bri007
    Registered Users, Registered Users 2 Posts: 1,375 ✭✭✭bri007


    Thanks Lee3b, so i fill out the top half myself , name address and pps details and then they fill in the rest and post back?

    Lee3b wrote: »
    No you send it to them and they post it back to you very quick service


  • #386
    Lee3b
    Registered Users Posts: 42 ✭Lee3b


    Yes that is exactly it they will stamp and sign it and send it straight back


  • #387
    Cocobean1
    Registered Users Posts: 31 ✭Cocobean1


    bri007 wrote: »
    Thanks Lee3b, so i fill out the top half myself , name address and pps details and then they fill in the rest and post back?

    You can send it as an attachment through "my enquiries" on the online service, comes back very quick.


  • #388
    Colemania
    Registered Users, Registered Users 2 Posts: 4,119 ✭✭✭Colemania


    I will be applying for a mortgage under this scheme as the sole applicant, as my wife has gone self employed and her previous PAYE income won't be taken into account. I assume I can still use our joint account bank statements as proof of funds even though she puts funds into the account from her savings in Australia now and again.

    Also, I was going to apply to Fingal Co Co but realistically we are looking towards Swords or the Greater Dublin area which would be outside their jurisdiction. What is the protocol here? Can I not look for houses in 2 different areas if applying to a particular council?


  • #389
    surrender monkey
    Registered Users, Registered Users 2 Posts: 230 ✭✭surrender monkey


    Generally a married couple are required to purchase a family home jointly so not sure your plan will work.


  • #390
    Colemania
    Registered Users, Registered Users 2 Posts: 4,119 ✭✭✭Colemania


    surrender monkey wrote: »
    Generally a married couple are required to purchase a family home jointly so not sure your plan will work.

    Well I explained the situation to Fingal Co Co and they said my wife's income couldn't be taken into account but that I could apply as the sole applicant. There's an option to apply for a 1 income joint application


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  • #391
    surrender monkey
    Registered Users, Registered Users 2 Posts: 230 ✭✭surrender monkey


    Strange, banks usually require a married couple purchasing a family home to both be on title. In any event you can do a voluntary transfer when you complete the sale. Ask your solicitor about doing this. Then you will both be registered owners!


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