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22-05-2020, 21:26   #2506
Junadl
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Hi guys. So we have just posted back the Mortgage protection scheme forms. Does this mean we have a chance of getting the mortgage? As we haven't been formally offered it yet but I presume we will if we had to sign mortgage protection forms?
Anyone know?
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23-05-2020, 01:51   #2507
WhatsUp2014
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Hello ,

I was wondering if I could get some advice I am thinking of applying as a sole applicant for a mortgage in the Midlands area , what's is the criteria when filling out the form as it asks for the address that you want to apply for. I have read on this forum people just got approval and then went to look at houses how do you apply then pick out a house upon approval also does someone applying alone to buy a house usually get approval
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23-05-2020, 23:37   #2508
Lwoods90
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Hello ,

I was wondering if I could get some advice I am thinking of applying as a sole applicant for a mortgage in the Midlands area , what's is the criteria when filling out the form as it asks for the address that you want to apply for. I have read on this forum people just got approval and then went to look at houses how do you apply then pick out a house upon approval also does someone applying alone to buy a house usually get approval

Hi,
We applied and was told we can nominate a house at a later date.
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24-05-2020, 11:41   #2509
kbman
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Originally Posted by Cheesepuffs View Post
Anyone know what the below means and how long should it take roughly

‘All new applications are currently being forwarded as per procedure to the Housing Agency’

I'm case you didn't get the answer already, you can apply yo several cc's based on areas where you'd like to consider looking. Each council sends your application to the housing agency for underwriting/credit checks etc. Once this comes back to the council, a credit committee meeting is held where they Confirm who will be given approval in a block of a number of applications as I understand it.

Best of luck
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24-05-2020, 22:57   #2510
Dankarl
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Hi,

Can I ask if the calculator amount is equal to the amount offered?

Our offer from Main Street Banks is €92,000 ( 2 kids ). Could we actually get a family home based on RBI calculator.
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Yesterday, 09:27   #2511
raheny red
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The MPI payments are suppose to go down after 12 months? We're with Fingal since Feb 2019 and we're still repaying the exact amount. Anyone else in the same position or see a drop in theirs after a year? Thanks.
Going down next month by €3. Yesssssss.
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Yesterday, 13:45   #2512
kiva989
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Mine has done down by about 2 euro with FCC.

Has anyone who has ever gotten the Rebuilding Ireland Home Loan been successful in moving their MPI from the one the council hooks you up with to an alternative one you can source yourself?

The difference in cost is outrageous.
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Yesterday, 23:21   #2513
hairyprincess
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If I apply for a mortgage of say for example €100k and I put an offer on a house which gets accepted at €98k, do I just get the €98k or do I get the €100k?
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Yesterday, 23:37   #2514
Lwoods90
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Originally Posted by hairyprincess View Post
If I apply for a mortgage of say for example €100k and I put an offer on a house which gets accepted at €98k, do I just get the €98k or do I get the €100k?

Sadly just the amount you went sale agreed at I think
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Today, 08:08   #2515
BKWDR
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Mine has done down by about 2 euro with FCC.

Has anyone who has ever gotten the Rebuilding Ireland Home Loan been successful in moving their MPI from the one the council hooks you up with to an alternative one you can source yourself?

The difference in cost is outrageous.
Its in the terms of the scheme that you have to be on the groupscheme, once you have taken out the loan with MPI, it's included to the end. From what i've read on here its expensive but it covers you for a lot.
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Today, 08:31   #2516
Sittingpretty
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When you first submit your application forms and all documents requested, do you get an acknowledgment of receipt?
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Today, 09:11   #2517
Lwoods90
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When you first submit your application forms and all documents requested, do you get an acknowledgment of receipt?

We didn’t, we submitted to 2 councils and both didn’t send anything.
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Today, 09:50   #2518
kbman
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When you first submit your application forms and all documents requested, do you get an acknowledgment of receipt?
With us, we got a letter from 2 councils we submitted with a reference number that we should use for correspondence and that the application has been received.
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Today, 20:45   #2519
gnr vr fan
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Hi,

Can I ask if the calculator amount is equal to the amount offered?

Our offer from Main Street Banks is €92,000 ( 2 kids ). Could we actually get a family home based on RBI calculator.
Yes it was with me the same.
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Today, 20:48   #2520
gnr vr fan
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Originally Posted by Junadl View Post
Hi guys. So we have just posted back the Mortgage protection scheme forms. Does this mean we have a chance of getting the mortgage? As we haven't been formally offered it yet but I presume we will if we had to sign mortgage protection forms?
Anyone know?
Yes it means you have a chance. I assume you have approval in principle at the mo.

In my case I was given the Approval In Principle at the same time I was given the MPI forms.
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