Currently buying/selling a house? How is it going? READ MOD NOTE POST #1

I've had the same issue with my own, just insist that they get you the approvals (or at least apply for them) with the banks that you want. My own one dragging their heels with Finance Ireland etc and the long term mortgages. I have no intention of coming back to them every 5 years which is obviously what they want.

There is no "usual". Anywhere from a few weeks to months and months. Depends on the case. For example if the vendor hasn't requested the deeds by the time they went sale agreed that adds about 8 weeks onto the process.

Also you signing contracts doesn't really mean anything. It's getting the vendor to sign and return that actually makes it binding.

Went sale agreed 3 weeks ago today. Absolutely nothing has happened since.

Waste of time emailing the broker same reply back. Bank busy ect. Speak very soon.

Anyone get a mortgage with Finance Ireland recently that can advise how long it took.

This day last week the estate agent asked when the bank might be doing a valuation on the property and the broker just said will escalate it with the relationship manager and nothing since. Very annoying.

Not any better with AIB, they generally reply once a week at best, nothing has moved since over a week and I'm worried the seller will eventually get tired of waiting.

I got a mortgage from Finance Ireland recently. It took three weeks for the loan offer to come through - from the day I informed my broker I'd gone sale agreed to the day I was informed they'd issued the offer. The valuation happened in the second week, followed by a phone call with FI to confirm some details and request payment for the valuation. Once that was sorted, the application was sent for one last check with the underwriters and then the offer was sent out. In my case, I'd only just updated all my documents with my broker the week before I went sale agreed in preparation for reapplying for AIP so that helped.

It's possible the vendor is in a buying chain for another property themselves, so they're trying to balance your closing date with the one on their new place. It can all be very tricky.

We'd a similar thing, took ages to get some planning stuff ironed out before we could commit to returning contracts, vendor was extremely antsy getting the EA to contact us to see what was going on.

If you've a good solicitor they should be able to put the vendor at ease by giving the vendor's solicitor a call.

The broker ignoring specific requests, is not in my interest. Interest rates are unlikely to go much lower and I would rather have this set at a low rate for 20 years (which decreases too with lower LTV over time) and miss out on further reductions, than potentially get hit with significant increases, multiple times over the next 20 years. The latter is far more likely.

Fairly certain that the broker in my case and OP's is not advising in our interests and is most certainly advising in their own best interests, i.e. less work and more/multiple commissions. If they really were interested in giving us options, it wouldn't be so difficult to get them to apply for more than one AIP, which is literally one of the main reasons for going through a broker in the first place - one application and multiple AIP's.

Broker finally got back to me to say its currently with the underwriter and once the decision is made the valuation will take place within one week.

Anyone have any idea how long the underwriters take. They haven’t requested anymore paper work yet. So just ordered up to date statements from the bank to have them ready for if/when they do.

makes sense for them to leave it up the sale isn't complete until contracts are signed

No still up as 'for sale'

Did you try the AA? We have a stream at the back of our house too and from my recollection they did not ask if we were close to a water source. Our stream is barely a trickle and there has never been an issue with flooding.

It seems to be different agent to agent. There is one certain South Dublin based agent that leaves everything as "for sale" until the contracts are signed. It's not something I'd be very happy with, as it encourages people to swoop in with higher bids.

DNG seem to have a good policy, as soon as booking deposit received the sign and listing were changed to Sale Agreed.

Have you asked the agent about this? Perhaps you could put some pressure on to have it marked SA as part of handing over your booking deposit?

Signed our mortgage protection forms yesterday & in the final forms for signing, there was a 2 page declaration about Covid - have you tested positive, have you been a close contact, all sorts of things. I was able to say no to everything but I did wonder what the situation would be if I had said yes. Some of the questions had "in the last three months" attached to them. Concerning for many people given that so many ended up catching it.