Government Funds Local Authority Housing Scheme

ad1234 · 11-08-2018 9:59am

metricspaces wrote: »

Got my response back yesterday after 10 weeks. Declined! Two reasons were given:
Not showing repayment capacity

Not showing source of savings

At a high level this scheme is a bit of a joke and a lottery it seems. For two banks two offer me mortgages in two to three week time frames (and with stricter criteria as they stress test your repayment capacity) and the Council spend ten weeks fannying about and offer nothing. Something is clearly wrong.

Few questions if anyone can help with:

1) Appealing Decision

To appeal the decision is it basically going through the same process again and waiting another 10 weeks? Or if there was a mistake made by the Council could it be looked into quicker?

2) Is it unusual to get an outright refusal with not even an offer for a lower amount?

When submitting the application the person I met in Fingal CC told me to put in the max amount allowed by their calculator. She worked it out. She said there was no harm putting in the max and they would still offer a lower amount.

My application included approval in principle letters from two banks. So it's mind boggling that the Council would give a blank refusal and not offer even a lower amount than I requested.

3) For anyone who got refused on showing source of savings. How did you deal with this in an appeal?

My submission included bank statements going back as far as my SSIA (Government Savings Scheme) which is over 10 years ago! All my savings have been accounted for. The lady who helped with my submission in Fingal was happy with it too. This makes me wonder if the underwriters/credit committee got all the documentation I submitted or that there has been some cock up along the line.

It is the same with displaying ability to repay. I included 12 months savings and rent statements that cover more than the amount I would need to repay.

It's not like the Council stress test your repayment capacity like a bank as the Government mortgage provides a guaranteed interest rate so the repayment amount will never change.

4) After a refusal. Did anyone meet face to face with the Council for a more detailed explanation of why they were refused and how the situation can be resolved to the satisfaction of the Council?

From my perspective my submission included documentation that displayed both repayment capacity and source of savings. Without further details from Council I'm snookered.

What council are you going with?

We got refused initially, then on appeal.. I refused to let it drop so they put us in appeal again and got it... persevere.

I had to do excel spreadsheets and look at our savings from when we were paying a high rent to show repayment capacity. Not sure if that might help you...

metricspaces · 11-08-2018 10:14am

ad1234 wrote: »

What council are you going with?

We got refused initially, then on appeal.. I refused to let it drop so they put us in appeal again and got it... persevere.

I had to do excel spreadsheets and look at our savings from when we were paying a high rent to show repayment capacity. Not sure if that might help you...

I'm going with Fingal CC.

I actually included a spreadsheet that totalled up savings, rent etc for 12 months which showed I could easily cover repayment on the max amount I was asking for. A cover letter was included too for further explanation.

This is why I get the feeling there was a cock up here and all the paperwork I handed in did not make it to the underwriter (which is just another department in the Council as I understand).

To use an example. When a bank approves you for say 150k and you ask for 200k from the Council it makes no logical sense why the council would not offer somewhere in the 150k to 200k range. The fact that they do not stress test your repayment capacity and the bank do means the Council should be able to offer more than the 150k.

OCDee · 11-08-2018 3:10pm

metricspaces wrote: »

Got my response back yesterday after 10 weeks. Declined! Two reasons were given:
Not showing repayment capacity

Not showing source of savings

At a high level this scheme is a bit of a joke and a lottery it seems. For two banks two offer me mortgages in two to three week time frames (and with stricter criteria as they stress test your repayment capacity) and the Council spend ten weeks fannying about and offer nothing. Something is clearly wrong.

Few questions if anyone can help with:

1) Appealing Decision

To appeal the decision is it basically going through the same process again and waiting another 10 weeks? Or if there was a mistake made by the Council could it be looked into quicker?

2) Is it unusual to get an outright refusal with not even an offer for a lower amount?

When submitting the application the person I met in Fingal CC told me to put in the max amount allowed by their calculator. She worked it out. She said there was no harm putting in the max and they would still offer a lower amount.

My application included approval in principle letters from two banks. So it's mind boggling that the Council would give a blank refusal and not offer even a lower amount than I requested.

3) For anyone who got refused on showing source of savings. How did you deal with this in an appeal?

My submission included bank statements going back as far as my SSIA (Government Savings Scheme) which is over 10 years ago! All my savings have been accounted for. The lady who helped with my submission in Fingal was happy with it too. This makes me wonder if the underwriters/credit committee got all the documentation I submitted or that there has been some cock up along the line.

It is the same with displaying ability to repay. I included 12 months savings and rent statements that cover more than the amount I would need to repay.

It's not like the Council stress test your repayment capacity like a bank as the Government mortgage provides a guaranteed interest rate so the repayment amount will never change.

4) After a refusal. Did anyone meet face to face with the Council for a more detailed explanation of why they were refused and how the situation can be resolved to the satisfaction of the Council?

From my perspective my submission included documentation that displayed both repayment capacity and source of savings. Without further details from Council I'm snookered.

Hey, sorry to hear of your refusal. Our initial application took 6 weeks to get a refusal. We appealed 3 weeks later and have been waiting 13 weeks now for a response. We contact our CC on a regular basis for an update but get no info. So the wait is very long. One question, if you have approval in principle letters from banks, why are you applying to this scheme? Isn't this for people who have been refused credit from at least 2 banks?

ad1234 · 11-08-2018 6:18pm

OCDee wrote: »

Hey, sorry to hear of your refusal. Our initial application took 6 weeks to get a refusal. We appealed 3 weeks later and have been waiting 13 weeks now for a response. We contact our CC on a regular basis for an update but get no info. So the wait is very long. One question, if you have approval in principle letters from banks, why are you applying to this scheme? Isn't this for people who have been refused credit from at least 2 banks?

Its also for those who have had insufficient offers from banks due to the Central Bank Rules.

metricspaces · 11-08-2018 6:48pm

ad1234 wrote: »

Its also for those who have had insufficient offers from banks due to the Central Bank Rules.

Exactly. In theory there's no valid reason why the Council would offer no mortgage when presented with same information that was sufficient for a bank to offer a mortgage.

The scheme is a bit of a joke when a bank offers you a mortgage but the government gives you a total refusal.

This to me either points to information going missing or incompetence.

ad1234 · 11-08-2018 7:39pm

metricspaces wrote: »

Exactly. In theory there's no valid reason why the Council would offer no mortgage when presented with same information that was sufficient for a bank to offer a mortgage.

The scheme is a bit of a joke when a bank offers you a mortgage but the government gives you a total refusal.

This to me either points to information going missing or incompetence.

In our case the bank would only offer approx 180k as we have 3 kids. We sought 220k from the council and the repayments are going to be nearly 500e less than our rent was for the last few years yet they could not see our repayment capacity initially. The repayments with the banks for a longer term were higher than the council repayments but they said yes to us being able to pay that on a lower loan....
I refused to let it drop. We could afford 500 more a month comfortably but the banks were tied due to the 3.5 rule even though we could afford it... the council finally said yes to us as I knew we could afford it no problem.
Id really suggest persevering to the person declined if they are sure of their abilities. Even see if they will sit wit you and show you exactly where they may be concerned.… Its crazy that our repayments will be 500 less than our rent was, feels great really!

autumnbelle · 14-08-2018 9:38am

Can anyone who has done self build let me know appox what amount of a deposit you needed to have in the bank

OCDee · 14-08-2018 10:09am

ad1234 wrote: »

metricspaces wrote: »

Exactly. In theory there's no valid reason why the Council would offer no mortgage when presented with same information that was sufficient for a bank to offer a mortgage.

The scheme is a bit of a joke when a bank offers you a mortgage but the government gives you a total refusal.

This to me either points to information going missing or incompetence.

In our case the bank would only offer approx 180k as we have 3 kids. We sought 220k from the council and the repayments are going to be nearly 500e less than our rent was for the last few years yet they could not see our repayment capacity initially. The repayments with the banks for a longer term were higher than the council repayments but they said yes to us being able to pay that on a lower loan....
I refused to let it drop. We could afford 500 more a month comfortably but the banks were tied due to the 3.5 rule even though we could afford it... the council finally said yes to us as I knew we could afford it no problem.
Id really suggest persevering to the person declined if they are sure of their abilities. Even see if they will sit wit you and show you exactly where they may be concerned.… Its crazy that our repayments will be 500 less than our rent was, feels great really!

That's great ad1234, well done. Have you begun drawing down the loan yet or how are you finding this process?

ad1234 · 14-08-2018 10:41am

OCDee wrote: »

That's great ad1234, well done. Have you begun drawing down the loan yet or how are you finding this process?

Still waiting on the house to be built, its looking like October for us hopefully. We are buying a new build that is so far delayed

Found the RBI process a bit mad to be honest. even the solicitor cant get his head around it... and hes struggling to get answers from the council on what else they should have sent him and anything they may want from us...
Is others out there finding it a bit mad?

autumnbelle · 14-08-2018 10:46am

ad1234 wrote: »

Still waiting on the house to be built, its looking like October for us hopefully. We are buying a new build that is so far delayed
Found the RBI process a bit mad to be honest. even the solicitor cant get his head around it... and hes struggling to get answers from the council on what else they should have sent him and anything they may want from us...
Is others out there finding it a bit mad?

Im finding it a bit all over the place, way more required then I think a bank would ever need. I dont know if there is a set framework of rules but rebuilding ireland wont answer any queries after the application has gone to the council either

OCDee · 14-08-2018 10:54am

autumnbelle wrote: »

ad1234 wrote: »

Still waiting on the house to be built, its looking like October for us hopefully. We are buying a new build that is so far delayed
Found the RBI process a bit mad to be honest. even the solicitor cant get his head around it... and hes struggling to get answers from the council on what else they should have sent him and anything they may want from us...
Is others out there finding it a bit mad?

Im finding it a bit all over the place, way more required then I think a bank would ever need. I dont know if there is a set framework of rules but rebuilding ireland wont answer any queries after the application has gone to the council either

Wow. The more I read, the more I suspect this thing to be fiction. We are waiting 13 weeks for a response. Wouldn't be surprised if we are declined for abstract reasons. The whole process sounds improvised to say the least.

LK1988 · 14-08-2018 2:13pm

I have got so fed up that I went to my local TD as I was fobbed off again.

Has anyone gone dwn this avenue. Did it help?

autumnbelle · 14-08-2018 2:29pm

LK1988 wrote: »

I have got so fed up that I went to my local TD as I was fobbed off again.

Have you gotten anywhere with your TD?

zl1whqvjs75cdy · 14-08-2018 2:53pm

LK1988 wrote: »

I have got so fed up that I went to my local TD as I was fobbed off again.

Has anyone gone dwn this avenue. Did it help?

Friends of ours went that way. Ended up getting approved for 6 x earnings. I am extremely wary of this scheme in general but that really pissed me off. He's delighted but I had to nearly sell my first born to get approved for 3.5 x with a normal bank. I think it'll all end in tears but sure what do I know

autumnbelle · 14-08-2018 2:58pm

donkeyoaty0099 wrote: »

Friends of ours went that way. Ended up getting approved for 6 x earnings. I am extremely wary of this scheme in general but that really pissed me off. He's delighted but I had to nearly sell my first born to get approved for 3.5 x with a normal bank. I think it'll all end in tears but sure what do I know

I honestly dont think it will end in tears because its actually virtually impossible to get it. Unless I am missing something. Six times earnings will kill them paying back though

zl1whqvjs75cdy · 14-08-2018 3:04pm

autumnbelle wrote: »

I honestly dont think it will end in tears because its actually virtually impossible to get it. Unless I am missing something. Six times earnings will kill them paying back though

Sorry yes I meant for him. But nothing will ever be repossessed in this state, particularly if the council / government are providing your mortgage. There is literally zero risk to this.

autumnbelle · 14-08-2018 3:14pm

https://www.irishtimes.com/news/politics/fianna-f%C3%A1il-calls-for-100m-affordable-housing-scheme-in-budget-1.3594010

134 drawn down so far

metricspaces · 14-08-2018 9:31pm

OCDee wrote: »

The whole process sounds improvised to say the least.

I don't think we should be surprised. Typical governmental/civil service approach. Pity they didn't off load the process to private sector who could carry it out efficiently and effectively.

You talk to the county council for more details about a rejected application and they go on as if the underwriters are some external company on the other side of Mars that they can't talk to. When in reality they are just another group of civil servants as I understand.

bri007 · 14-08-2018 9:38pm

It’s appears to be rejections after rejections with no proper report or feedback as to why you get declined.

No access to the policies around the scheme to see how they are actually assessing each application.

It appears to be two stages in the application and each one is very different, you have the initial one where you meet an official and then the 2nd one where we have no idea what or why they reject each application. Surely if people meet the first criteria, and more or less everything is in order it’s crazy so many are rejected then at the next stage!

And yes it appears underwriters are in same department, they go on about them like they are CIA agents!

metricspaces · 14-08-2018 9:48pm

Call me cynical. But would it be beyond the realm of possibilities that the government have instructed them to prioritise certain applications? For example, double income application from married couple with children go top of the pile?

When there is no logic to a reasoning there is usually something amiss. It just makes absolutely no sense that the Council would outright reject you when two banks approve you for a mortgage. As in theory the banks should, and do have, stricter criteria. So it appears to me that there is more to the Councils criteria than they advertise.

Time for Joe Duffy!

bri007 · 14-08-2018 9:58pm

They are withholding the policy around the scheme, they refuse to publish it under the freedom of information act, so there is definitely something fishy going on.

I don’t think it’s just down to prioritizing certain people, as I know plenty of couples that applied, met the criteria and got refused likewise met many single people who met same criteria and rejected as well!

I’d more go on the fact that they have a certain number allowed to pass, so it’s more like a lottery but again without the policy we will never know.

I’m very suspicious as to why they don’t want the policy published, what are they hiding?

metricspaces wrote: »

Call me cynical. But would it be beyond the realm of possibilities that the government have instructed them to prioritise certain applications? For example, double income application from married couple with children go top of the pile?

When there is no logic to a reasoning there is usually something amiss. It just makes absolutely no sense that the Council would outright reject you when two banks approve you for a mortgage. As in theory the banks should, and do have, stricter criteria. So it appears to me that there is more to the Councils criteria than they advertise.

Time for Joe Duffy!

metricspaces · 14-08-2018 10:08pm

bri007 wrote: »

I’d more go on the fact that they have a certain number allowed to pass, so it’s more like a lottery but again without the policy we will never know.

This would make sense. They have a set amount they are allowed approve each month (and/or set budget) and they use "some criteria" to choose the lucky few leaving many applicants who meet the "advertised criteria" rejected.

If everyone who met the advertised criteria was approved for some amount of a mortgage it possibly wouldn't suit the government on a few levels. They didn't allocate the budget for it? They don't want to significantly increase the number of people with funds to buy a house in a market that already cannot meet demand.

metricspaces · 14-08-2018 10:32pm

metricspaces wrote: »

This would make sense. They have a set amount they are allowed approve each month (and/or set budget) and they use "some criteria" to choose the lucky few leaving many applicants who meet the "advertised criteria" rejected.

If everyone who met the advertised criteria was approved for some amount of a mortgage it possibly wouldn't suit the government on a few levels. They didn't allocate the budget for it? They don't want to significantly increase the number of people with funds to buy a house in a market that already cannot meet demand.

The figures released in the Irish Times today would actually tally up well with this. They say out of 2105 applicants almost 70% were rejected, leaving 656 approved.

There is 200 million allocated to the scheme which was deemed to allow for 1000 mortgages.

As we are just over half way through the year it would look like the Council are staggering the amount of mortgages they approve. Or it is just by chance that the amount of mortgages approved so far is roughly in line with 1000 spread out over a monthly basis.

I would imagine by the end of the year we will hear a press announcement about 1000 approved mortgages and the Government bleating on about how successful a scheme it has been.

One suggestion for people applying. Do not put down the price of the house you are looking to buy or that you have even found a house. It may work against you if they are trying to weed out and whittle down applications i.e. an applicant who wants 200k may be favoured over one who wants 240k.

Vizzy · 14-08-2018 11:18pm

If you are that dissatisfied with the scheme, why don't you withdraw your application and go to a bank and let non civil servants decide on the merits and demerits of your application ?

metricspaces · 15-08-2018 4:21am

Vizzy wrote: »

If you are that dissatisfied with the scheme, why don't you withdraw your application and go to a bank and let non civil servants decide on the merits and demerits of your application ?

Will a bank approve you for a Rebuilding Ireland mortgage?

marieholmfan · 15-08-2018 7:55am

Vizzy wrote: »

If you are that dissatisfied with the scheme, why don't you withdraw your application and go to a bank and let non civil servants decide on the merits and demerits of your application ?

Because rebuilding Ireland mortgages are a fantastic deal. So good in fact that ABSOLUTE TRANSPARENCY is needed how else do we know that the mortgages are not all going to CONNNECTED INSIDERS and BLUESHIRT TRAITORS?

Vizzy · 15-08-2018 8:03am

marieholmfan wrote: »

Because rebuilding Ireland mortgages are a fantastic deal. So good in fact that ABSOLUTE TRANSPARENCY is needed how else do we know that the mortgages are not all going to CONNNECTED INSIDERS and BLUESHIRT TRAITORS?

I missed those 2 questions

Are you a connected insider ?

Are you a blueshirt traitor ?

I think that you have cracked it.
People that are being refused are not answering all the questions

metricspaces · 15-08-2018 8:06am

Vizzy wrote: »

People that are being refused are not answering all the questions

Have you seen what documentation people submitted and the reasons why they were rejected?

marieholmfan · 15-08-2018 8:08am

Vizzy wrote: »

I missed those 2 questions

Are you a connected insider ?

Are you a blueshirt traitor ?

I think that you have cracked it.
People that are being refused are not answering all the questions

Actually I appreciate the frustration some people feel especially as I am ineligible for the scheme. I agree with you when you say that those who can get mortgages from a bank should get them from a bank ; and I suspect that some of those being refused are being refused because they are marginally at the top of the scheme rather than the bottom.

I reassert however despite the previous hyperbole that the scheme must be transparent because it is such a good deal. People complaining have a right to feel aggrieved because there is a 'lottery' element to this (ridiculous) scheme.

metricspaces · 15-08-2018 8:33am

marieholmfan wrote: »

I agree with you when you say that those who can get mortgages from a bank should get them from a bank ;

Clearly whoever said that has a misunderstanding of how the scheme works. One of the advertised conditions is that you get refused by a bank for the amount you need. Either that or trolling, but let's continue.

marieholmfan wrote: »

and I suspect that some of those being refused are being refused because they are marginally at the top of the scheme rather than the bottom.

I'm not sure what you mean by the top of the scheme. As in near the highest requested amounts? This should be irrelevant if they satisfy the criteria. There is an advertised limit as to what the Council will approve based on County.

Leaving aside marginal cases. Almost 70% are being refused. The guidance from the County Council has been even if you are refused for your requested amount the council would still offer a lower amount if you satisfied the criteria. People have satisfied the "advertised criteria" yet get a blank rejection. So something does not add up.

bri007 · 15-08-2018 8:35am

I don’t think anyone is “a connected insider” that has been refused.

I don’t think anyone has been cracked as you put it????

It’s a flawed system, lacks transparency and no published policy to the public!

I’m sure everyone that has been refused would love questions to be answered that’s the problem?

It appears we touched a nerve with you have we??

Vizzy wrote: »

I missed those 2 questions

Are you a connected insider ?

Are you a blueshirt traitor ?

I think that you have cracked it.
People that are being refused are not answering all the questions

marieholmfan · 15-08-2018 11:32am

metricspaces wrote: »

Clearly whoever said that has a misunderstanding of how the scheme works. One of the advertised conditions is that you get refused by a bank for the amount you need. Either that or trolling, but let's continue.

I'm not sure what you mean by the top of the scheme. As in near the highest requested amounts? This should be irrelevant if they satisfy the criteria. There is an advertised limit as to what the Council will approve based on County.

Leaving aside marginal cases. Almost 70% are being refused. The guidance from the County Council has been even if you are refused for your requested amount the council would still offer a lower amount if you satisfied the criteria. People have satisfied the "advertised criteria" yet get a blank rejection. So something does not add up.

That something is the funds available for the scheme vs. demand.
The scheme is on the face of it absurd; county councils should not bundle up a set of high risk borrowers (and I understand completely that no one on the website asking questions is high risk) while excluding lower risk borrowers.
The demand is probably a million people? A quarter of a million mortgages for people priced out of their area who are respectable , decent , prudent and rather poor.
The supply is what? 5000 mortgages?

The whole thing is a publicity stunt, a very poor use of money, ideological nonsense, a transparent attempt to preserve high house prices ...
yadda yadda yadda . You know the drill.

All I can advise as an outsider is
go to your TD
go to the local paper
go to your local councillor
talk to Joe

etc. etc.

OCDee · 15-08-2018 12:26pm

Correct me if I'm wrong but these are still loans with interest rates at between 2-2.5% while the average banks first time buyer mortgage rates are approx 3%. A 10% deposit and proof of income / credit rating must also be provided. The state stands to profit substantially over the lifetime of the loan. My point is, this isn't exactly free money for all and affordable to everybody (and certainly not a million people even if that is the demand). I only applied because it sounded like a fair deal for first time buyers.
Public / Private system aside, peoples frustrations have only been fueled by the lack of clear information provided to applicants.

GingerLily · 15-08-2018 12:46pm

OCDee wrote: »

Correct me if I'm wrong but these are still loans with interest rates at between 2-2.5% while the average banks first time buyer mortgage rates are approx 3%. A 10% deposit and proof of income / credit rating must also be provided. The state stands to profit substantially over the lifetime of the loan. My point is, this isn't exactly free money for all and affordable to everybody (and certainly not a million people even if that is the demand). I only applied because it sounded like a fair deal for first time buyers.
Public / Private system aside, peoples frustrations have only been fueled by the lack of clear information provided to applicants.

Time will tell, but I doubt there will be a profit from this, and I don't think there should be!

autumnbelle · 15-08-2018 12:53pm

I honestly do not think these mortgages are high risk to the council. Obviously high risk people arent getting them- if 135 loans have been drawn down it says it all. It is honestly easier imo in reality to get approval from a bank

metricspaces · 15-08-2018 1:20pm

marieholmfan wrote: »

That something is the funds available for the scheme vs. demand.

Clearly this is not the case as the number of approved mortgages would have exhausted all funds available by now due to the demand. People are getting turned down even though they satisfy the advertised criteria, and funds for the scheme is not the issue. Something else is at play.

Cuddlesworth · 15-08-2018 1:26pm

metricspaces wrote: »

Clearly this is not the case as the number of approved mortgages would have exhausted all funds available by now due to the demand. People are getting turned down even though they satisfy the advertised criteria, and funds for the scheme is not the issue. Something else is at play.

Might have something to do with us being a country with the highest mortgage arrears rate in the world and somebody copping exactly what the implications are for high risk loans given out by apathetic councils.

metricspaces · 15-08-2018 10:22pm

Cuddlesworth wrote: »

Might have something to do with us being a country with the highest mortgage arrears rate in the world and somebody copping exactly what the implications are for high risk loans given out by apathetic councils.

Yes it's possible they've stricter criteria internally than they advertise externally.

However, this does not explain why someone approved by two banks for a mortgage gets a blank refusal from the Council. As whilst they may have stricter criteria internally than the externally advertised criteria, it's entirely illogical that their criteria would be stricter than a bank as by implication it would make the scheme redundant.

foodiewarrior · 16-08-2018 5:24pm

hi guys!

guys I'm going to be very frank here. stop chatting here and start sorting out your home loan! nobody from the government is reading this forum. this is only a frustration vent.

if you were rejected for the home loan, ring them and ask them why have they rejected you. be persistent. stop being a sissy. go apply in a different county. you might hear some new piece of information. each case might be different. keep going back to the council offices. knock on doors. just enter the office without knocking. be assertive. if you are sure you meet all the criteria of the scheme, you need to keep trying. you have to be very determined. but you have to action on it. not posting your frustration online.

i applied for the RBHM in my county. they didn't want to take my application because they asked for more papers. they sent me away twice. finally they accepted it. 2 months later i received the rejection letter. 3 reasons. I was broken and also furious. because i felt like i meet those criteria. i rang them. they never answered the phone; they hung up on me once; they asked me to leave a voice message. i went to their office, they said I have no right coming here because i was out right rejected without the possibility to appeal.
in the end one of the men from the council rang me and told me outright which documents I am missing. these documents are not in the checklist. but anything that can be suspicious from your application or if something is not compelling enough you need to supply more evidence and more papers.

i was very happy. but also I knew there was a long road ahead of me. just to be on the safe side this time i applied to all the neighboring counties as well. when i got all the needed paperwork i went back to the county council. the lady at the desk refused to take my application as she said i was right out declined and i cannot reapply. i had to fight her, i had to come back another day. i had to ring the council clarify this. i went to the other counties. they told me: yeah, you will need MORE papers, this is not enough to get you approved. so at that moment I realized that the first county is not discriminating me, they are just looking for the same things as the rest are, they are just withholding the information.

people, be persistent and assertive. good luck!

irishfeen · 16-08-2018 5:27pm

foodiewarrior wrote: »

hi guys!

guys I'm going to be very frank here. stop chatting here and start sorting out your home loan! nobody from the government is reading this forum. this is only a frustration vent.

if you were rejected for the home loan, ring them and ask them why have they rejected you. be persistent. stop being a sissy. go apply in a different county. you might hear some new piece of information. each case might be different. keep going back to the council offices. knock on doors. just enter the office without knocking. be assertive. if you are sure you meet all the criteria of the scheme, you need to keep trying. you have to be very determined. but you have to action on it. not posting your frustration online.

i applied for the RBHM in my county. they didn't want to take my application because they asked for more papers. they sent me away twice. finally they accepted it. 2 months later i received the rejection letter. 3 reasons. I was broken and also furious. because i felt like i meet those criteria. i rang them. they never answered the phone; they hung up on me once; they asked me to leave a voice message. i went to their office, they said I have no right coming here because i was out right rejected without the possibility to appeal.
in the end one of the men from the council rang me and told me outright which documents I am missing. these documents are not in the checklist. but anything that can be suspicious from your application or if something is not compelling enough you need to supply more evidence and more papers.

i was very happy. but also I knew there was a long road ahead of me. just to be on the safe side this time i applied to all the neighboring counties as well. when i got all the needed paperwork i went back to the county council. the lady at the desk refused to take my application as she said i was right out declined and i cannot reapply. i had to fight her, i had to come back another day. i had to ring the council clarify this. i went to the other counties. they told me: yeah, you will need MORE papers, this is not enough to get you approved. so at that moment I realized that the first county is not discriminating me, they are just looking for the same things as the rest are, they are just withholding the information.

people, be persistent and assertive. good luck!

Why don't you share the FULL checklist?

bri007 · 16-08-2018 5:35pm

Can you share this check list then??

QUOTE=foodiewarrior;107806295]hi guys!

guys I'm going to be very frank here. stop chatting here and start sorting out your home loan! nobody from the government is reading this forum. this is only a frustration vent.

if you were rejected for the home loan, ring them and ask them why have they rejected you. be persistent. stop being a sissy. go apply in a different county. you might hear some new piece of information. each case might be different. keep going back to the council offices. knock on doors. just enter the office without knocking. be assertive. if you are sure you meet all the criteria of the scheme, you need to keep trying. you have to be very determined. but you have to action on it. not posting your frustration online.

i applied for the RBHM in my county. they didn't want to take my application because they asked for more papers. they sent me away twice. finally they accepted it. 2 months later i received the rejection letter. 3 reasons. I was broken and also furious. because i felt like i meet those criteria. i rang them. they never answered the phone; they hung up on me once; they asked me to leave a voice message. i went to their office, they said I have no right coming here because i was out right rejected without the possibility to appeal.
in the end one of the men from the council rang me and told me outright which documents I am missing. these documents are not in the checklist. but anything that can be suspicious from your application or if something is not compelling enough you need to supply more evidence and more papers.

i was very happy. but also I knew there was a long road ahead of me. just to be on the safe side this time i applied to all the neighboring counties as well. when i got all the needed paperwork i went back to the county council. the lady at the desk refused to take my application as she said i was right out declined and i cannot reapply. i had to fight her, i had to come back another day. i had to ring the council clarify this. i went to the other counties. they told me: yeah, you will need MORE papers, this is not enough to get you approved. so at that moment I realized that the first county is not discriminating me, they are just looking for the same things as the rest are, they are just withholding the information.

people, be persistent and assertive. good luck![/QUOTE]

LK1988 · 16-08-2018 8:54pm

foodiewarrior wrote: »

hi guys!

guys I'm going to be very frank here. stop chatting here and start sorting out your home loan! nobody from the government is reading this forum. this is only a frustration vent.

if you were rejected for the home loan, ring them and ask them why have they rejected you. be persistent. stop being a sissy. go apply in a different county. you might hear some new piece of information. each case might be different. keep going back to the council offices. knock on doors. just enter the office without knocking. be assertive. if you are sure you meet all the criteria of the scheme, you need to keep trying. you have to be very determined. but you have to action on it. not posting your frustration online.

i applied for the RBHM in my county. they didn't want to take my application because they asked for more papers. they sent me away twice. finally they accepted it. 2 months later i received the rejection letter. 3 reasons. I was broken and also furious. because i felt like i meet those criteria. i rang them. they never answered the phone; they hung up on me once; they asked me to leave a voice message. i went to their office, they said I have no right coming here because i was out right rejected without the possibility to appeal.
in the end one of the men from the council rang me and told me outright which documents I am missing. these documents are not in the checklist. but anything that can be suspicious from your application or if something is not compelling enough you need to supply more evidence and more papers.

i was very happy. but also I knew there was a long road ahead of me. just to be on the safe side this time i applied to all the neighboring counties as well. when i got all the needed paperwork i went back to the county council. the lady at the desk refused to take my application as she said i was right out declined and i cannot reapply. i had to fight her, i had to come back another day. i had to ring the council clarify this. i went to the other counties. they told me: yeah, you will need MORE papers, this is not enough to get you approved. so at that moment I realized that the first county is not discriminating me, they are just looking for the same things as the rest are, they are just withholding the information.

people, be persistent and assertive. good luck!

How many office doors did you kick open out of curiosity?

foodiewarrior · 16-08-2018 9:28pm

the sarcastic attitude you have you is the reason you are not getting anywhere in life

LK1988 · 16-08-2018 9:29pm

foodiewarrior wrote: »

the sarcastic attitude you have you is the reason you are not getting anywhere in life

ðŸ˜‚

metricspaces · 16-08-2018 10:03pm

foodiewarrior wrote: »

hi guys!

guys I'm going to be very frank here. stop chatting here and start sorting out your home loan! nobody from the government is reading this forum. this is only a frustration vent.

....

people, be persistent and assertive. good luck!

It sounds like you've had quite the adventure! Could you share with us how much did you ask for and how much did you get approved for in the end?

navono · 16-08-2018 10:18pm

foodiewarrior wrote: »

hi guys!

guys I'm going to be very frank here. stop chatting here and start sorting out your home loan! nobody from the government is reading this forum. this is only a frustration vent.

if you were rejected for the home loan, ring them and ask them why have they rejected you. be persistent. stop being a sissy. go apply in a different county. you might hear some new piece of information. each case might be different. keep going back to the council offices. knock on doors. just enter the office without knocking. be assertive. if you are sure you meet all the criteria of the scheme, you need to keep trying. you have to be very determined. but you have to action on it. not posting your frustration online.

i applied for the RBHM in my county. they didn't want to take my application because they asked for more papers. they sent me away twice. finally they accepted it. 2 months later i received the rejection letter. 3 reasons. I was broken and also furious. because i felt like i meet those criteria. i rang them. they never answered the phone; they hung up on me once; they asked me to leave a voice message. i went to their office, they said I have no right coming here because i was out right rejected without the possibility to appeal.
in the end one of the men from the council rang me and told me outright which documents I am missing. these documents are not in the checklist. but anything that can be suspicious from your application or if something is not compelling enough you need to supply more evidence and more papers.

i was very happy. but also I knew there was a long road ahead of me. just to be on the safe side this time i applied to all the neighboring counties as well. when i got all the needed paperwork i went back to the county council. the lady at the desk refused to take my application as she said i was right out declined and i cannot reapply. i had to fight her, i had to come back another day. i had to ring the council clarify this. i went to the other counties. they told me: yeah, you will need MORE papers, this is not enough to get you approved. so at that moment I realized that the first county is not discriminating me, they are just looking for the same things as the rest are, they are just withholding the information.

people, be persistent and assertive. good luck!

Hi, I am just wondering if you were passed in the end and where? I see you were originally applying to south Dublin (in a previous thread) but here you say you went to other counties. Do you mean to say you applied to each county council across Ireland? Did you find all counties and councils consistent or were some more arduous to deal with. How many counties/councils passed your application? It would be great to hear from more people who have been passed to give the rest of us hope!

GingerLily · 17-08-2018 8:20am

metricspaces wrote: »

Yes it's possible they've stricter criteria internally than they advertise externally.

However, this does not explain why someone approved by two banks for a mortgage gets a blank refusal from the Council. As whilst they may have stricter criteria internally than the externally advertised criteria, it's entirely illogical that their criteria would be stricter than a bank as by implication it would make the scheme redundant.

Someone approved by two banks SHOULD be refused by the council, they're ineligible for the scheme? Am I missing something?

bri007 · 17-08-2018 8:24am

GingerLily wrote: »

Someone approved by two banks SHOULD be refused by the council, they're ineligible for the scheme? Am I missing something?

Why should they be ineligible?

irishfeen · 17-08-2018 8:25am

GingerLily wrote: »

Someone approved by two banks SHOULD be refused by the council, they're ineligible for the scheme? Am I missing something?

Not if banks are giving insufficient funds, if anything these people will be by far and away the safest bet as they will have met both the banks and central banks strict borrowing and savings rules.

For example a single permanent Garda, Nurse or public sector/council worker applicant would be entitled on basic wage to a very very modest mortgage (max of say 150k for vast majority) from the banks where as everybody knows permanent public servants have unparalleled payback power.

rachieqtpie · 17-08-2018 2:25pm

We are preparing to drawdown next Friday from this scheme.
Meath county council staff have been brilliant, answered our million questions and if they didn’t know the answer they found out and came back to us.
We had to pay the council solicitor fees around €700, not the land registry etc as we had paid our solicitor for this.
We are due to drawdown next Friday , payments are taken on the first Tuesday of every month so depending on your drawdown you could have a mortgage payment quite soon after so maybe factor that in. Happy to answer any questions

Government Funds Local Authority Housing Scheme

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