Boards.ie uses cookies. By continuing to browse this site you are agreeing to our use of cookies. Click here to find out more x
Post Reply  
 
 
Thread Tools Search this Thread
06-08-2018, 22:33   #106
stryker mcqueen
Registered User
 
Join Date: Sep 2008
Location: dublin 13
Posts: 761
Quote:
Originally Posted by 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?

Quote:
Originally Posted by bri007
Thanks in advance

AIB was the easiest I found , approval in principal letter provided without having to speak to someone ha
stryker mcqueen is offline  
Thanks from:
Advertisement
07-08-2018, 01:27   #107
bri007
Registered User
 
bri007's Avatar
 
Join Date: Nov 2010
Posts: 891
Did you just do the application online and then send in salary certs, pay slips etc?

Quote:
Originally Posted by stryker mcqueen View Post
AIB was the easiest I found , approval in principal letter provided without having to speak to someone ha
bri007 is online now  
07-08-2018, 08:11   #108
stryker mcqueen
Registered User
 
Join Date: Sep 2008
Location: dublin 13
Posts: 761
Quote:
Originally Posted by bri007 View Post
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
stryker mcqueen is offline  
Thanks from:
07-08-2018, 08:40   #109
Lee3b
Registered User
 
Lee3b's Avatar
 
Join Date: May 2018
Posts: 32
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
Lee3b is offline  
07-08-2018, 09:22   #110
stryker mcqueen
Registered User
 
Join Date: Sep 2008
Location: dublin 13
Posts: 761
Quote:
Originally Posted by Lee3b View Post
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
stryker mcqueen is offline  
Thanks from:
Advertisement
07-08-2018, 20:33   #111
bri007
Registered User
 
bri007's Avatar
 
Join Date: Nov 2010
Posts: 891
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?
bri007 is online now  
07-08-2018, 20:34   #112
Lee3b
Registered User
 
Lee3b's Avatar
 
Join Date: May 2018
Posts: 32
No you send it to them and they post it back to you very quick service
Lee3b is offline  
Thanks from:
07-08-2018, 20:37   #113
Lee3b
Registered User
 
Lee3b's Avatar
 
Join Date: May 2018
Posts: 32
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
Lee3b is offline  
07-08-2018, 20:41   #114
bri007
Registered User
 
bri007's Avatar
 
Join Date: Nov 2010
Posts: 891
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?


Quote:
Originally Posted by Lee3b View Post
No you send it to them and they post it back to you very quick service
bri007 is online now  
Advertisement
07-08-2018, 20:45   #115
Lee3b
Registered User
 
Lee3b's Avatar
 
Join Date: May 2018
Posts: 32
Yes that is exactly it they will stamp and sign it and send it straight back
Lee3b is offline  
Thanks from:
07-08-2018, 20:57   #116
Cocobean1
Registered User
 
Cocobean1's Avatar
 
Join Date: May 2016
Posts: 23
Quote:
Originally Posted by bri007 View Post
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.
Cocobean1 is offline  
Thanks from:
10-08-2018, 16:56   #117
Colemania
Registered User
 
Colemania's Avatar
 
Join Date: Feb 2012
Location: The Big Shmoke
Posts: 3,686
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?
Colemania is offline  
10-08-2018, 17:02   #118
surrender monkey
Registered User
 
surrender monkey's Avatar
 
Join Date: Jul 2016
Posts: 142
Generally a married couple are required to purchase a family home jointly so not sure your plan will work.
surrender monkey is offline  
10-08-2018, 18:56   #119
Colemania
Registered User
 
Colemania's Avatar
 
Join Date: Feb 2012
Location: The Big Shmoke
Posts: 3,686
Quote:
Originally Posted by surrender monkey View Post
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
Colemania is offline  
10-08-2018, 21:05   #120
surrender monkey
Registered User
 
surrender monkey's Avatar
 
Join Date: Jul 2016
Posts: 142
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!
surrender monkey is offline  
Post Reply

Quick Reply
Message:
Remove Text Formatting
Bold
Italic
Underline

Insert Image
Wrap [QUOTE] tags around selected text
 
Decrease Size
Increase Size
Please sign up or log in to join the discussion

Thread Tools Search this Thread
Search this Thread:

Advanced Search



Share Tweet