Building a house as a non-local?

conor05 · 10-01-2021 6:27pm

blackbox wrote: »

Unfortunately the banks won't give you a mortgage for a property that requires extensive refurbishment. They will factor in the cost of refurbishment. I.e. if you are approved for 250k they will only allow you to buy a 200k house if it is going to cost 50k to refurbish, even if you are happy to live in it while you gradually do the work.

What if the OP sees a site and old cottage (to bypass local needs) for say 60k in South Louth for example.

On a 250k approved mortgage would the banks allow him to purchase the site/cottage for 60k and spend the remaining 190k on refurb/finish?

Graham · 10-01-2021 6:31pm

It wouldn't be a straightforward mortgage. Standard mortgage would generally have a provision for the house being habitable.

sydthebeat · 10-01-2021 6:40pm

tom1ie wrote: »

Well composting toilet plus Reed bed means it’s doesn’t need a sewage waste. Do you mean refuse?

A Reed bed is tertiary treatment..... Not primary.

A composting toilet plus reed bed is not acceptable by the EPA as an full form of effluent treatment.... So any application on that basis will be refused by the planning authority unless the applicant can prove its a valid safe method of treatment

Oldandtired · 10-01-2021 6:59pm

Hi , as far as I am aware there is no requirement to be either a son or daughter, generally it is children of locals who want to live locally ,, it also helps to do some research into how to present your case , pre planning meetings etc ,
However there is no getting around the costs involved in building a one off house or even a refurbishment, whatever you get quoted expect to add on another 20%

Oldandtired · 10-01-2021 7:01pm

My first ever post✔️ðŸ˜„

dubrov · 10-01-2021 7:01pm

OP, given cost is a big issue, I don't think you should be looking at building unless you can do a significant amount of the work yourself.The same applies to refurbishment. Both will cost you more than buying the finished product

Just go into daft/my home and see what your budget gets you. If there is nothing there, you'll just have to sit tight

sandyxxx · 10-01-2021 7:03pm

dawanda wrote: »

That's a great tip, thanks. Can you recommend Inch and Castletown in terms of safety?

Ah yeah,
Really anywhere rural is safe....remember cycling past some lovely houses in this area that were real bargains back after the bust!.....I’d imagine they’re in demand now however!

awec · 10-01-2021 7:16pm

Castletown / Inch to Dublin would be some commute.

tom1ie · 10-01-2021 7:24pm

sydthebeat wrote: »

A Reed bed is tertiary treatment..... Not primary.

A composting toilet plus reed bed is not acceptable by the EPA as an full form of effluent treatment.... So any application on that basis will be refused by the planning authority unless the applicant can prove its a valid safe method of treatment

How do they build them in other countries?
More relaxed guidelines in other countries or ours haven’t caught up yet?

dawanda · 10-01-2021 7:25pm

awec wrote: »

Castletown / Inch to Dublin would be some commute.

Google tells me just under 1 hr (obviously, no traffic now) and 75 kms.

Does this seem accurate? I know google maps isn't necessarily the most reliable

awec · 10-01-2021 7:29pm

dawanda wrote: »

Google tells me just under 1 hr (obviously, no traffic now) and 75 kms.

Does this seem accurate? I know google maps isn't necessarily the most reliable

That'd be accurate right now.

Won't be accurate when lockdown is over and traffic is back close to normal levels. I would guess you'd need to add at least 30 minutes onto that, depending on where in Dublin you are going to.

sandyxxx · 10-01-2021 7:44pm

dawanda wrote: »

Google tells me just under 1 hr (obviously, no traffic now) and 75 kms.

Does this seem accurate? I know google maps isn't necessarily the most reliable

Yip,easily do-able within the hour....motorway(bar Kilmac,currently the whole way up)....done by thousands but off peak would be a breeze!.....1hr motorway’s more manageable than 1hr on B roads!

Marcusm · 10-01-2021 7:50pm

awec wrote: »

Castletown / Inch to Dublin would be some commute.

There are a lot who commute from Gorey and south of Gorey. Inch and Castletown would be north of Gorey! I wouldn’t be crazy for it.

dawanda · 10-01-2021 7:57pm

Marcusm wrote: »

There are a lot who commute from Gorey and south of Gorey. Inch and Castletown would be north of Gorey! I wouldn’t be crazy for it.

Why not, if you don't mind sharing?

sydthebeat · 10-01-2021 9:40pm

tom1ie wrote: »

How do they build them in other countries?
More relaxed guidelines in other countries or ours haven’t caught up yet?

Higher standards applied here

Eric Cartman · 10-01-2021 9:45pm

Marcusm wrote: »

There are a lot who commute from Gorey and south of Gorey. Inch and Castletown would be north of Gorey! I wouldn’t be crazy for it.

Gorey to ballymount can be a 1.5-2 hour commute on a rainy winter morning. I can't even imagine how bad it could be if you needed to get to say Merrion square.

arctictree · 10-01-2021 9:47pm

[Deleted User] wrote: »

uninhabitable derelict cottages cost considerably more than bare sites where I come from because the Estate Agents know that outsiders can bid on them and tear them down. A 25k site becomes a 100k site if there is a rundown cottage on it.

Be very careful about this. If the house is uninhabitable it is treated as a green field site for planning purposes. You need a run down house but it needs to be habitable (and not lost its use). I have been through this.

Eric Cartman · 10-01-2021 9:48pm

arctictree wrote: »

Be very careful about this. If the house is uninhabitable it is treated as a green field site for planning purposes. You need a run down house but it needs to be habitable (and not lost its use). I have been through this.

whats the tipping point, do we just mean 'has a roof' or how far we talking here.

Marcusm · 10-01-2021 9:51pm

dawanda wrote: »

Why not, if you don't mind sharing?

I’m not interested in such a commute! (I find this thread especially interesting as I grew up in Carnew/Gorey) two of the places which have been recommended to you.

My advice would be to persevere in finding something with a much shorter commute. That much time alone with your dogs spending 10-12 hours per day without you is not going to solve the sunlight problem.

There will be some way to find a closer property. There are many low built areas in Dublin and nearer locations. It will take time to find the bargain you require but I promise it will be heaven compared to 3 hours a day by yourself in a car then returning to a cold house with dogs who are frustrated by your absence.

awec · 10-01-2021 9:51pm

Eric Cartman wrote: »

whats the tipping point, do we just mean 'has a roof' or how far we talking here.

I think roof, waste, water and electricity.

Marcusm · 10-01-2021 9:52pm

Eric Cartman wrote: »

Gorey to ballymount can be a 1.5-2 hour commute on a rainy winter morning. I can't even imagine how bad it could be if you needed to get to say Merrion square.

He wants to get to Stullorgan. I’m not advocating it but I am pointing out to the person who challenged such a commute that there are many doing it. I don’t think it’s right for the OP though.

arctictree · 10-01-2021 10:00pm

awec wrote: »

I think roof, waste, water and electricity.

Yes, correct. Mine had a roof but no services and therefore was not classed as a habitable dwelling. Local needs then applied to the site.

slavetothegrind · 10-01-2021 10:00pm

Local needs is fundamentally flawed. So many people have abused this to profit and move on.
I believe it to be unconstitutional also. I lack the funds to challenge it, if i had the funds i doubt it would be a problem.
it is a great injustice and a really poor method of planning.

In my opinion of course.....

arctictree · 10-01-2021 10:08pm

slavetothegrind wrote: »

Local needs is fundamentally flawed. So many people have abused this to profit and move on.
I believe it to be unconstitutional also. I lack the funds to challenge it, if i had the funds i doubt it would be a problem.
it is a great injustice and a really poor method of planning.

In my opinion of course.....

This has been discussed for over 20 years on the internet and the EU agreed that it was unconstitutional. Still nothing has been done about it. No politician wants to be the one that brings forward legislation to remove local needs.

CrazyFather1 · 10-01-2021 11:15pm

Does you have to be in Wicklow, Open to other areas?

Eric Cartman · 10-01-2021 11:17pm

awec wrote: »

I think roof, waste, water and electricity.

jaysus so basically it has to be something lived in in the last 40 years. thats a 250k barrier to entry right there.

Baybay · 12-01-2021 12:36pm

Dwanda, I have an inkling how challenging a purchase might be for you as my daughter also lives & works abroad.

So for example, Wicklow town. Not countryside but a rural enough town with a lot going for it, well usually anyway!
Restaurants, bars, library, Tesco, SuperValu, great bookshop, banks, credit union, coffee shops, train station, beach, mountains, golf etc on the doorstep. You get the idea.

On Daft, a two bed bungalow in the town with lots of potential. It’s a G Ber which may not be ideal & has single glazing & open fire heating. Not ideal. €25,000 from your top budget. But windows can be replaced & a wood burner, pellet stove etc would make a significant impact. Major plus, garden space front & rear with room for a garden room.

The point I’m making is, and it’s not my house nor does it belong to anyone I know, also I’m not an EA but it seems liveable going by the photos, it needs work but not an immediate & total renovation so it could be done over time. A lower offer might be accepted also.
Seems to me something like it could meet your needs.

Building a house as a non-local?

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