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

Hi thanks for that. We were approved last year no problem. But we didn’t take up the offer as there were no houses being built near us at the time.

We understand the process as had been there last year. The issue we’re having is the fact that they’re now asking us to pay upfront underpayments we owe. Last year when we were approved, we had underpayments, and they just adjusted our tax credits to repay what’s owed over a few years.

I’m just wondering how this has changed!

RosieLu wrote: »

Hi thanks for that. We were approved last year no problem. But we didn’t take up the offer as there were no houses being built near us at the time.

We understand the process as had been there last year. The issue we’re having is the fact that they’re now asking us to pay upfront underpayments we owe. Last year when we were approved, we had underpayments, and they just adjusted our tax credits to repay what’s owed over a few years.

I’m just wondering how this has changed!

I find it strange that they approved it last year. They didn’t approve mine last year and I had to pay back 2600 in one chunk of I wanted to use HTB. Took a big chunk out of my savings

elchupanebrey wrote: »

Turns out the builder can't claim the HTB after all. Bit annoying. I'm just seeing an error in my HTB claim. Has anyone an idea how long it takes revenue to reply to my enquiries, or would I be better ringing tomorrow?

Were you able to sort this out? I've a similar situation to you. Was advised to cancel my claim after we needed some details updated. Cancelled, updated and now the builder's solicitor can't take the funds. Seeing an error and I'm also seeing an error trying to access the HTB section.



Person I contacted in Revenue is equally as confused but it sounds like an error on their side. It's been "escalated" anyway.

Hi i'm at this stage:

Help To Buy Claim
Your claim reference number is xxxxxxxxxxxxxxxx

Your solicitor or building contractor will require the claim reference number and the access code (sent to you at application stage of the HTB process) to verify the property prior to any refund issuing.



does my solicitor need to do something now? do I wait for revenue to contact me or my builder?

it's not exactly clear what happens next.

Mine got cancelled again, no explanation. Submitted again, sent a query asking about it nearly two weeks ago with no response. Tried calling two days later but was told that they couldn't help, only the HTB department could help and they'd get back to me withink 2 days, but now that's over a week and a half ago. It doesn't even give a reference number now. It says it's awaiting partnership confirmation and has this message:

More information
Your application cannot proceed because either you have outstanding issues on your tax affairs or all group members have not confirmed membership of the group. When these issues are resolved this application can proceed.

The whole thing is very frustrating. We've paid off all of our previously undercharged taxes and we're still seeing this. I don't understand how this whole thing isn't just automated to give quick approval, or to quickly say any outstanding issues so they can be solved instead of cancelling without explanation after weeks of waiting and sending you back to square one.

Sheeps wrote: »

Request a tax clearance certificate and it should give you your issues, no?

I suppose it's worth a try, although calling PAYE department up confirmed there are no outstanding taxes left to be paid at this point.

elchupanebrey wrote: »

My situation panned out exactly like yours. Seeing errors on my side etc, and solicitor unable to claim. I rang revenue and basically was told the Help to buy crew don't take any calls, sounds like the person I was taking to was having a go slow day. This is going on nearly 3 weeks now. Today my enquiry is showing as "in progress" so hopefully It will get sorted out this week. Luckily the contractor hasn't put me under any pressure, yet at least!

Got sorted with this in the end, sounded like an error with their system! Thanks for sharing your experience anyway

Strobing wrote: »

Got sorted with this in the end, sounded like an error with their system! Thanks for sharing your experience anyway

It took pretty much the 20 days they give themselves to sort issues out to sort my issue out. Sorted out last week, about a week after "in progess" came up on my enquiry.

nd272 wrote: »

So I got word today from solicitor all is signed and to upload the final contract so I can get the final claim number.

Uploaded final contracts and a copy of loan agreement for mortgage.

Get to last step and it gives me error once I press submit saying come back later.

This happened to anyone else?

came in here to ask the exact same question. Tried early in the morning and late this evening and same error each time. Sent them an email but good to know it's not just my claim!

lecker Hendl wrote: »

came in here to ask the exact same question. Tried early in the morning and late this evening and same error each time. Sent them an email but good to know it's not just my claim!

This has happened several people on here. Myself included. I made an error with paperwork I submitted which I thought was the cause of the error, but maybe it wasn't.

Sending a query on myenquiries will get it sorted out but they give themselves 4 weeks to sort queries out and will probably take nearly the 4 weeks to resolve your error.

Yeah I would

The government would get seriously slated if they stopped the scheme after not allowing construction earlier in the year

Finally got approved for my Help To Buy for the full €30k after the only new development I was interested in now looks like a dead end :') Oh well, I suppose it's there now in case of emergency anyway.

Does anyone know if there is anyway to get the Help to Buy if my loan to value would be less than 70%?

I’m a single buyer with good savings but in order to get up to the purchase price of a new build in my area (circa 350k) I’ll be getting a gift from my parents bringing my loan to value ratio to around 60%.

Hi all, apologies if it has been covered but I went back to page 250 and could only find one post about it.

Renjit wrote: »

You will be eligible for previous 4 years worth of tax or 30k (under enhanced HTB) whichever is lowest.

So, lets say you create HTB application in 2021 then you will be able to claim taxes for 2020, 2019, 2018, 2017.

If total taxes you paid is 50k for these past 4 years then you will only be able to claim max 30k to pay towards the deposit for the property price.

And if total taxes you paid is 20k for these past 4 years then you will only be able to claim max 20k to pay towards the deposit for the property price.

Myself and my partner are HTB approved for just shy of 23k as a joint application. I can avail of 10k and herself 12-13k.

We have each went back and calculated taxes paid in the last 4 years through our SOL on revenue website and both add up to approx 50k in taxes together over the last 4 years. Yet, we are still only approved for 23k of a max 30k.

Has anyone else experiences similar? We have an enquiry in with Revenue but god knows how long that will take. Appreciate any info.

Afraid to post it in fear of sounding so stupid, but when we calculated tax paid the previous year we forgot that tax credits was included in the figure we were looking at.... Seems to work out without including tax credits.