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

mooman · 27-07-2018 12:49pm

Can someone on here clarify for me, should I have received a claim reference number beginning with "C"? We are buying from a contractor and my understanding is that the references starting with C are for self builders solicitors to verify the claim, and buyers have a reference starting with "A".
I could be miles off the ball here but I can't see any other numbers other than the two I have been providing. The contractors solicitors have been going on for 6 weeks now telling me that I have the wrong claim number, my own solicitor doesn't have a glimmer on the process either.

awec · 27-07-2018 2:33pm

My claim reference started with C. We are not building our own house.

Claim reference is C followed by 8 digits, claim access number is just 6 digits.

z0oT · 27-07-2018 3:14pm

Atomic Pineapple wrote: »

According to our records you have the following liabilities and/or returns due:

Form 12 not filed [for all 4 years]
P21 not requested [for all 4 years]

Under other group members it shows my wife but states: Awaiting membership confirmation

And finally states at the bottom:

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.

I have actually just tried applying just to have things ready if a new build we can afford pops up and I'm getting a similar issue.

I've a group created (me & my wife) and both of us are getting told that:

Form 12 for 2017 is not submitted (it is)
Awaiting membership confirmation. (I'm told my wife is awaiting my confirmation, and she's being told I haven't confirmed yet)

Not inspiring me with confidence... will have to ring them.

A question in the meantime though, does applying as an individual or a group really make much of a difference? I would have easily paid 20k (the max you can claim) in income tax over the last 4 years, so we wouldn't necessarily need to go as a group.

Atomic Pineapple · 30-07-2018 11:13am

We got married in 2017 which delayed our form submissions for that year. We had to fill out the elected spousal form for tax allocation. This took about 5 working days. I did ring them via the PAYE helpline number and the guy who answered was very helpful. Two days after ringing them everything had gone through.

z0oT · 30-07-2018 11:51am

Atomic Pineapple wrote: »

We got married in 2017 which delayed our form submissions for that year. We had to fill out the elected spousal form for tax allocation. This took about 5 working days. I did ring them via the PAYE helpline number and the guy who answered was very helpful. Two days after ringing them everything had gone through.

We too got married in 2017, however we've already filled out the elected spouse form to set us up with Seperate Assessment. Will have to chase them up with a phone call.

Thanks for your answer.

Atomic Pineapple · 30-07-2018 7:48pm

We're at the claim stage now and checked today what we needed to attach to find out how much we can get.

First, it looks like we need a signed contract from the lending provider, is this just the signed approval in principle form?

Second, it looks like we need to have contracts signed from the estate agents/builders. But in our initial documentation after putting down a house deposit, it states they need to know the HTB rebate amount before contracts are drawn up. Confusing, is there a pre-contract or something that would be sufficient for the HTB to move through the claim part and show us how much we can get?

Creamy Goodness · 30-07-2018 7:57pm

Atomic Pineapple wrote: »

We're at the claim stage now and checked today what we needed to attach to find out how much we can get.

First, it looks like we need a signed contract from the lending provider, is this just the signed approval in principle form?

Second, it looks like we need to have contracts signed from the estate agents/builders. But in our initial documentation after putting down a house deposit, it states they need to know the HTB rebate amount before contracts are drawn up. Confusing, is there a pre-contract or something that would be sufficient for the HTB to move through the claim part and show us how much we can get?

For me (just done a claim yesterday). The AIP is not sufficient. It needs to be a loan offer letter from the bank which they’ll only issue once you give more details of the house (address, beds, square metres, BER rating etc.).

The initial step of the HTB to will let you know the max you can claim, this is then drawn into the contracts that you sign and then sent to the builder to sign as well. Once they sign they give your solicitor the contract signed by both parties. This is what you need to upload.

Check the “My Enquiries” section of revenue, it should say how much your eligible for.

Atomic Pineapple · 30-07-2018 8:10pm

Thank you. Is that the "Maximum relief available to you" value? So, if it shows 20k there then we are eligible for the max up to 5% value of the house?

Creamy Goodness · 30-07-2018 8:27pm

Atomic Pineapple wrote: »

Thank you. Is that the "Maximum relief available to you" value? So, if it shows 20k there then we are eligible for the max up to 5% value of the house?

Yup it’s a max of 20k on a house price of 400k or above otherwise it’s 5%. It’s showing 20K as you’ve paid sufficient tax to get that amount.

Once you fully submit the claim you’ll be asked for he value of the house. The 5% is calculated on that

Glen_Quagmire · 01-08-2018 9:55pm

Apologies if this has been asked before but when applying for a joint mortgage (not married) do both applicants need to have the HTB grant approved or just one of the two?

allym · 01-08-2018 11:01pm

Glen_Quagmire wrote: »

Apologies if this has been asked before but when applying for a joint mortgage (not married) do both applicants need to have the HTB grant approved or just one of the two?

I don’t think both need to be approved no, but would you not get more of a rebate applying as a group?

Glen_Quagmire · 02-08-2018 7:26am

allym wrote:

I donâ€™t think both need to be approved no, but would you not get more of a rebate applying as a group?

I think the max you can get is 20k which I am approved of myself. Well I was in 2017, I have to reapply as it expired.

My other half has been working part time for the last few years since we had the little one.

Creamy Goodness · 02-08-2018 9:02am

Yup the max you can claim is 20k. This can be made up of your rebate and your partners rebate but cannot exceed 20k or 5% of the purchase price which ever is lower.

My application was claimed by the builder yesterday. Guessing now there’s not much else for me to do with regards to the HTB?

Mantis Toboggan · 02-08-2018 9:26am

Creamy Goodness wrote: »

Yup the max you can claim is 20k. This can be made up of your rebate and your partners rebate but cannot exceed 20k or 5% of the purchase price which ever is lower.

My application was claimed by the builder yesterday. Guessing now there’s not much else for me to do with regards to the HTB?

Nope once it's claimed I think you're good to go.

awec · 02-08-2018 9:36am

Creamy Goodness wrote: »

Yup the max you can claim is 20k. This can be made up of your rebate and your partners rebate but cannot exceed 20k or 5% of the purchase price which ever is lower.

My application was claimed by the builder yesterday. Guessing now there’s not much else for me to do with regards to the HTB?

Can I ask you what format your access code + claim number were in?

Our access code was 6 digits and the claim number a C followed by 9 digits, but our developer came back and said they were wrong? Did you send the number beginning with A?

drinkingwater · 02-08-2018 9:47am

Application code: A00123456
Expiry date: 31/12/2018
Access number: 654321
Claim reference number: C00123456

awec · 02-08-2018 9:49am

drinkingwater wrote: »

Application code: A00123456
Expiry date: 31/12/2018
Access number: 654321
Claim reference number: C00123456

You sent all of them to your developer?

autumnbelle · 02-08-2018 10:30am

Do the applications take long to be drawn down by a solicitor

Creamy Goodness · 02-08-2018 10:40am

awec wrote: »

Can I ask you what format your access code + claim number were in?

Our access code was 6 digits and the claim number a C followed by 9 digits, but our developer came back and said they were wrong? Did you send the number beginning with A?

Sure,

Application code A with 8 digits.
Claim reference Code C with 8 digits.
Access code with 6 digits.

I'm pretty sure my Estate Agent only asked for the Application Code and nothing else.

Mantis Toboggan · 02-08-2018 10:43am

autumnbelle wrote: »

Do the applications take long to be drawn down by a solicitor

3-5 days I think.

babybaby2017 · 02-08-2018 11:33am

advice please. we are at 60 % of value of build now but need to get a top up of mortgage which will bring us to 70% . who can advice me if we now qualify for the HTB ?

z0oT · 02-08-2018 1:32pm

I rang the revenue this morning and now our application is showing up as Approved for the max amount of 20k. We have an Application Code and an Access Code, and it's showing that we can proceed to the claim stage.

I presume that's all that is needed for now until we get to the stage where we have the final loan offer in place from the bank and the contracts drawn up?

We just paid a booking deposit on a new build yesterday.

Glen_Quagmire wrote: »

Apologies if this has been asked before but when applying for a joint mortgage (not married) do both applicants need to have the HTB grant approved or just one of the two?

When I rang them this morning I was told that if both names are going to be on the final contracst then you have to apply as a group. Don't think being married comes into it.

Atomic Pineapple · 02-08-2018 1:35pm

You need to provide the HTB information to the estate agent/builders for the contract to be drawn up. We sent ours onto the estate agent and the bank after putting a deposit on a house. From here on in I believe the solicitor will take care of things.

awec · 02-08-2018 1:40pm

You give them the code they ask for so they can verify your funds. After you sign the contracts they'll ask for another code so they can actually claim the funds.

Glen_Quagmire · 02-08-2018 6:02pm

Was on Revenue Online there and to qualify All applicants on the mortgage need to apply for the HTB.

Question is, if one person qualifies and the other doesn't, what happens then...?

awec · 02-08-2018 6:17pm

Glen_Quagmire wrote: »

Was on Revenue Online there and to qualify All applicants on the mortgage need to apply for the HTB.

Question is, if one person qualifies and the other doesn't, what happens then...?

What do you mean qualifies?

If one person is ineligible, ie they are not a first time buyer, then you cannot use help to buy at all.

If they are eligible, but they get a rebate of €0, then it doesn’t matter, your max rebate will just be whatever the other person can get.

Glen_Quagmire · 02-08-2018 7:01pm

awec wrote:

What do you mean qualifies?

awec wrote:

If one person is ineligible, ie they are not a first time buyer, then you cannot use help to buy at all.

awec wrote:

If they are eligible, but they get a rebate of â‚¬0, then it doesnâ€™t matter, your max rebate will just be whatever the other person can get.

Gotcha. I am eligible for the 20k because I applied last year but need to renew it again for 2018. My partner hasn't had a full time job since we had the little one a few years ago so not sure what she would be eligible to receive, most likely nothing.

I thought it might be a case where both applicants need to be eligible or else neither is but it looks like that's not the case..

z0oT · 03-08-2018 8:21am

Thanks for the answers above. We should now be ready to go with the HTB when it's requested.

The Agent has told me that other couples who bought in the same development have used the HTB aswell, hopefully there'll be no issues.

Glen_Quagmire wrote: »

I thought it might be a case where both applicants need to be eligible or else neither is but it looks like that's not the case..

With us, my wife was only eligible for a little over 2k, having only been in the country since early last year.

I on the other hand am eligible for 20k myself, so our application shows 20k available as the max.

z0oT · 08-08-2018 8:46am

Something I notice on the new build we've paid a booking deposit into...

The Agent has it down on the Daft.ie page that it is eligble for the Help to Buy scheme. Upon talking to the agent I was told that couples who have bought into the development previously in the last few months have used the Help to Buy scheme.

But... upon checking the list of qualifying contracters on the Revenue website HERE (PDF), I can't find the developer on the list.

Guess I'll have to check with them again. Just curious if this has happened to people here before?

awec · 08-08-2018 8:53am

z0oT wrote: »

Something I notice on the new build we've paid a booking deposit into...

The Agent has it down on the Daft.ie page that it is eligble for the Help to Buy scheme. Upon talking to the agent I was told that couples who have bought into the development previously in the last few months have used the Help to Buy scheme.

But... upon checking the list of qualifying contracters on the Revenue website HERE (PDF), I can't find the developer on the list.

Guess I'll have to check with them again. Just curious if this has happened to people here before?

Yes, sometimes the developers are listed on the revenue site under a different name.

All depends on what way the developer company is structured.

Your developer / estate agent will be able to tell you the name they are listed under.

autumnbelle · 08-08-2018 9:30am

Can anyone tell me what way this works on a self build using direct labour? Do I just get solicitor to apply for it? Is it 70% of the cost of build or 70% of completed value and who values it? Our engineer?

awec · 08-08-2018 9:40am

autumnbelle wrote: »

Can anyone tell me what way this works on a self build using direct labour? Do I just get solicitor to apply for it? Is it 70% of the cost of build or 70% of completed value and who values it? Our engineer?

You have to be borrowing at least 70% of the lenders valuation.

podgemonster · 08-08-2018 11:11am

Our building developer has just verified our claim and revenue have just issued me a mail saying the claim is approved and the HTB refund will be issued in the next 5 working days.

My question is, as I understand it, this refund will now go directly to the developer?

We are purchasing a new build off the plans.

awec · 08-08-2018 11:51am

podgemonster wrote: »

Our building developer has just verified our claim and revenue have just issued me a mail saying the claim is approved and the HTB refund will be issued in the next 5 working days.

My question is, as I understand it, this refund will now go directly to the developer?

We are purchasing a new build off the plans.

Yes, it'll go to your developers solicitor.

Glen_Quagmire · 08-08-2018 11:03pm

I'm eligible for the HTB but need to add my GF info the application so I need to cancel my application and resubmit as a joint application.

I done mine about 2 years ago so can't remember how long it takes from start to finish, i.e. submitting the Form 12s etc.

Anyone done it recently know how long the process is these days?

Daniogroove · 09-08-2018 12:47am

Glen_Quagmire wrote: »

I'm eligible for the HTB but need to add my GF info the application so I need to cancel my application and resubmit as a joint application.

I done mine about 2 years ago so can't remember how long it takes from start to finish, i.e. submitting the Form 12s etc.

Anyone done it recently know how long the process is these days?

It's only a few days after submitting the form 12s.. another 4 to 5 to get approval then after but i was a solo application so maybe yours will be slower.

z0oT · 09-08-2018 4:08pm

z0oT wrote: »

But... upon checking the list of qualifying contracters on the Revenue website HERE (PDF), I can't find the developer on the list.

Guess I'll have to check with them again. Just curious if this has happened to people here before?

So.... according to the agent, the Developer is not yet set up with the Revenue for the Help to Buy scheme hence their name not being on the list.

However I've been assured that it will be honored when the time comes to claim it given that they have advertised the development being eligible. Other people who have bought into the development have asked the same question.

I'm not sure what to think of that. I guess the details will have to be worked out when the contracts go to the solicitors.

We could still afford the house without the Help to Buy, but yet at the same time it would be nice to get something back from the Revenue given its likely already pushed up prices for new builds.

Question if anyone knows - What does a developer have to do to become a qualifying contracter with the Help to Buy scheme?

poggy · 09-08-2018 4:15pm

Hi all,

Quick question, and sorry if I have missed it here or on the revenue site.

Is there a number I can contact revenue on in relation to the HTB grant?

Thanks in advance.

z0oT · 09-08-2018 4:17pm

poggy wrote: »

Hi all,

Quick question, and sorry if I have missed it here or on the revenue site.

Is there a number I can contact revenue on in relation to the HTB grant?

Thanks in advance.

I rang the standard PAYE helpline and they helped me out with our application.

https://revenue.ie/en/contact-us/index.aspx

poggy · 09-08-2018 4:18pm

z0oT wrote: »

I rang the standard PAYE helpline and they helped me out with our application.

https://revenue.ie/en/contact-us/index.aspx

Cheers!

GingerLily · 10-08-2018 1:00pm

z0oT wrote: »

So.... according to the agent, the Developer is not yet set up with the Revenue for the Help to Buy scheme hence their name not being on the list.

However I've been assured that it will be honored when the time comes to claim it given that they have advertised the development being eligible. Other people who have bought into the development have asked the same question.

If your sign contracts you'd wanna put in a clause about that HTB thing then.

z0oT · 10-08-2018 1:10pm

GingerLily wrote: »

If your sign contracts you'd wanna put in a clause about that HTB thing then.

I was thinking one could do that if need be.

It'll be a question for our solicitor when he has the contracts.

dellas1979 · 11-08-2018 3:19pm

Question for people building.

Am requistioning/drawing down first stage. Am eligible for HTB. I believe I can claim after first stage is drawn down?

(believe its 5% of valuation?)

awec · 11-08-2018 5:19pm

dellas1979 wrote: »

Question for people building.

Am requistioning/drawing down first stage. Am eligible for HTB. I believe I can claim after first stage is drawn down?

(believe its 5% of valuation?)

5% of lenders valuation to a maximum of 20,000.

Blanchy90 · 13-08-2018 9:34am

Just curious, the final code to claim the htb money by the builder. Should this be requested by the builders solicitor or provided by my solicitor?

Creamy Goodness · 13-08-2018 10:11am

Blanchy90 wrote: »

Just curious, the final code to claim the htb money by the builder. Should this be requested by the builders solicitor or provided by my solicitor?

I just gave mine to the estate agent and they passed it on. If it involves money you'll never see a builder act faster :pac:

awec · 13-08-2018 11:53am

Blanchy90 wrote: »

Just curious, the final code to claim the htb money by the builder. Should this be requested by the builders solicitor or provided by my solicitor?

The builders solicitor will ask your solicitor for it, who in turn will ask you for it.

All conversations of this sort with the builder should go via your solicitor.

Blanchy90 · 13-08-2018 11:55am

awec wrote: »

The builders solicitor will ask your solicitor for it, who in turn will ask you for it.

All conversations of this sort with the builder should go via your solicitor.

Thanks, my issue is I was never asked for the final claim reference so trying to see who is to blame

awec · 13-08-2018 11:57am

Blanchy90 wrote: »

Thanks, my issue is I was never asked for the final claim reference so trying to see who is to blame

When you upload the signed contracts it gives you that code.

Your solicitor should have instructed you to send the code to them as soon as you had uploaded the contracts.

The code is available in the “my enquiries” bit of revenue online.

Blanchy90 · 13-08-2018 12:24pm

awec wrote: »

When you upload the signed contracts it gives you that code.

Your solicitor should have instructed you to send the code to them as soon as you had uploaded the contracts.

The code is available in the “my enquiries” bit of revenue online.

Thanks I've done all that now

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

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