Rebuilding Ireland home loan

Does anyone have experience of applying to Waterford council? Especially the turnaround time for approval and whether online calculators will be accepted or do they insist on letters from 2 lenders declining/not giving enough

I'm looking to apply through this next year (if I don't get an exception with the banks that is). I moved jobs this year and now make 50K, for the first 5 months of the year I was on less than that. Will the amount I

Thanks - i'll be applying soon. 9 weeks seems quite short compared to other councils!

Do you know if a PhD stipend from the secondary earner would be considered for the application?

can i ask jill have you got much further with your application i am awaiting word from sdcc myself thanks

Thats brilliant delighted you got your approval i am still waiting i have emailed a few times ive been told im awaiting credit commitee meeting. do you mind me asking did you recieve a letter when approved or do they ring you thanks for all your advice thrroughout your journey.

ye i hear you im rining and emailing them daily at this stage its so fustrating... keep being told im in the queue for credit commitee and cant give me any timeline as the big backlog nightmare can ask did the offer you what you had asked for i only applied with sdcc im raging i didnt apply for a few councils. the waiting game is awful although the housing market is crazy so probaly no rush really thanks so much for your help best of luck with the house hunting

What’s the craic with extensions of the 6 months? We’re one month in and have been gazumped by cash buyers 3 times now for much less than what we offered. Don’t think I’d have the heart or energy to apply again

that's a great idea

It also means that everyone under the old threshold now has to compete with people earning between 50 and 65k too...

Our application was just rejected on the grounds of "Net income outside of policy" - can anyone please help me understand this? Our net income is below the application limits, so not sure what it's referring to. Anyone know how to appeal this?

I've contacted the CoCo but no answer yet.

Hi

I literally got my house keys yesterday after going sale agreed in June.

went sale agreed literally 3 days after my approval. I originally applied last year but because of covid my job kept closing. It was a super long process but so worth it in the end.

all I can say is don’t sit back and wait for them to contact you keep emailing or ringing to make sure your application is been worked on you have a right to no.

You should be able to get the application from them. My local council posted out the application booklet to me, I never printed any of it off myself.

Hi everyone - I am new to the whole mortgage process and found that a rebuilding ireland loan will most likely be my best bet due to the crazy house deposit requests for a first time buyer. I saw that you can use your HTB tax refund as part of your deposit, does anyone know if this is only if you're getting a new build property? I am looking to start working on my application so will appreciate as much tips as possible

For some context: I am 24 y/o on a permanent job for the last two years with a salary of 35k. I will be looking in for flats in Kildare.

Thanks :)

sale agreed on a house finally and same day received our paperwork from the council! happy days

that being said, the stuff we need to hand in for the MPI is ridiculous. a letter from work stating i've not been out ill for three consecutive weeks in the past two years? a letter from my doctor stating i haven't been treated for ANY illness for more than three consecutive weeks the past two years? i've spoken to friends and family who have gotten mpi for their bank mortgages and not one of them had to do anything like that.