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22-07-2019, 13:17   #1726
Dave087
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Hi Dave, I'm just wondering did you hear anything from South Dublin Coco yet? We lodged an application in January as well but I have been on the phone weekly since. I have also been banging on the doors of politicains & actually got an email back from Eoghan Murphy a few weeks back to say he has issued a sanction to the HFA to issue new funding to any LA looking for funds. I confirmed this with South Dublin coco and they told me two weeks ago that they are starting to work through approvals but we haven't got a letter yet from them. I'm wondering if anyone else has got their's as we were told when they were working through them they would be working in a chronological order and since we first applied in January, you would imagine we would be first? South Dublin coco received funding in May but I found out this was to fund approvals that they issued up to the end of 2018 so we should be first in line with this new round of funding
Hi, just off the phone to the council and was told we were approved and that the letter will be with us in a few days. Delighted! Hope you hear back soon.
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25-07-2019, 15:30   #1727
MrsDrennan
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We just handed in our 2nd application for RI home loan this time with Meath coco. Who have stopped taking appointments. Just a waiting game now to hear back from Fingal and Meath. Has anyone else applied for more than one council ?
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26-07-2019, 11:18   #1728
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Hi all got approved from DCC after 4 weeks over the moon!!!
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26-07-2019, 19:34   #1729
Evenstevens
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Just picked up my keys today. Surreal feeling altogether but I'll get use to it!
Got my loan with DCC.

Best of luck to everyone applying. This forum really has been a great help. It can be a long road but it's worth it.
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27-07-2019, 15:37   #1730
Dave087
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Can anybody who applied to SDCC suggest a solicitor? We have just been approved but would ideally like to get a solicitor who is familiar with the rebuilding Ireland home loan process. Appreciate any feedback.
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28-07-2019, 20:26   #1731
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Hi All, new here and I put an application in to Louth Coco in October of last year but got it refused on the basis of insufficient repayment ability ie. my monthly savings didnt cover the mortgage amount. So I have upped my savings and am now putting away 50% of my monthly wages between savings and money to my parents as "rent".

Anyway long story short, I found a place I would like to try buy but Im a little unsure now about the forms. I have read through bits of the thread (Ill admit not all of it so apologies for no doubt repeating already asked questions) and have seen some people just put "maximum available" for the loan amount. Does this work or should I put the amount the calculator gave which was €143,000? Also the valuation access, cant remember what I put there the last time but Im assuming thats the estate agent for the house I want. Im looking at something thats up for €150,000 but will go for more so in the declaration should I put €150,00+ with the amount of loan as the €143,000?

Sorry if these are silly questions but its much easier to ask people who have gone through it and come out the other side rather than guessing and then messing it all up. Also, has anyone applied to Louth lately and gotten approval or is it all still on hold? TIA
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28-07-2019, 20:50   #1732
Amary
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Hi All, new here and I put an application in to Louth Coco in October of last year but got it refused on the basis of insufficient repayment ability ie. my monthly savings didnt cover the mortgage amount. So I have upped my savings and am now putting away 50% of my monthly wages between savings and money to my parents as "rent".

Anyway long story short, I found a place I would like to try buy but Im a little unsure now about the forms. I have read through bits of the thread (Ill admit not all of it so apologies for no doubt repeating already asked questions) and have seen some people just put "maximum available" for the loan amount. Does this work or should I put the amount the calculator gave which was €143,000? Also the valuation access, cant remember what I put there the last time but Im assuming thats the estate agent for the house I want. Im looking at something thats up for €150,000 but will go for more so in the declaration should I put €150,00+ with the amount of loan as the €143,000?

Sorry if these are silly questions but its much easier to ask people who have gone through it and come out the other side rather than guessing and then messing it all up. Also, has anyone applied to Louth lately and gotten approval or is it all still on hold? TIA
Don’t put down a house it might not be available by the time you get approved. I just put down unknown in that section and Maximum available in the amount I was looking for. I got approved for €2458 less than the calculator.

Last edited by Amary; 30-07-2019 at 19:53.
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28-07-2019, 21:13   #1733
The_Brood
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Regarding solicitors: Are we mandated to have one? If so, what is the process...do we first agree on a house sale and then find a solicitor, or should we first find a solicitor before searching for a house? Anyone have recommendations for a good solicitor with the RE process?

Thank you
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29-07-2019, 08:26   #1734
Salanky
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I got approved in Louth 2 weeks ago. Don’t put down a house it might not be available by the time you get approved. I just put down unknown in that section and Maximum available in the amount I was looking for. I got approved for €2458 less than the calculator.
Brilliant, I imagine the house I'm looking at now will be gone but I've got all the paperwork nearly done just waiting on the banks to ring today and laugh at me down the phone again. If I put unknown for the house then I obviously can't put anything for the valuation part either so is that unknown as well then?
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29-07-2019, 11:57   #1735
JessC1987
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Originally Posted by Evenstevens View Post
Just picked up my keys today. Surreal feeling altogether but I'll get use to it!
Got my loan with DCC.

Best of luck to everyone applying. This forum really has been a great help. It can be a long road but it's worth it.
Congratulations! I'm dreaming of receiving our keys at the moment, cannot wait to experience that surreal feeling!

Can I ask how long it took your solicitor to receive the pack after submitting all your docs to DCC for final approval? Also, did you have to wait 3 weeks to accept the offer or could you just sign and return immediately? Much appreciated!
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29-07-2019, 13:00   #1736
Evenstevens
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Congratulations! I'm dreaming of receiving our keys at the moment, cannot wait to experience that surreal feeling!

Can I ask how long it took your solicitor to receive the pack after submitting all your docs to DCC for final approval? Also, did you have to wait 3 weeks to accept the offer or could you just sign and return immediately? Much appreciated!
Not exactly sure but looking back on emails etc I submitted final docs to DCC on 14th May and I think by start of June my solicitor had the loan pack.
Not sure what the 3 weeks thing is?
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29-07-2019, 13:45   #1737
Amary
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Brilliant, I imagine the house I'm looking at now will be gone but I've got all the paperwork nearly done just waiting on the banks to ring today and laugh at me down the phone again. If I put unknown for the house then I obviously can't put anything for the valuation part either so is that unknown as well then?
As far a I remember I just put Unknown and then left everything after that about house and solicitor blank. Did you book a meeting with Louth CC?I had to wait a month to get one.
I got a really nice woman in AIB on the phone told her I wanted a letter for RBI was no problem. Got a not so nice man on the phone from BOI but I got the PDF online very quick.
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29-07-2019, 18:46   #1738
Salanky
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As far a I remember I just put Unknown and then left everything after that about house and solicitor blank. Did you book a meeting with Louth CC?I had to wait a month to get one.
I got a really nice woman in AIB on the phone told her I wanted a letter for RBI was no problem. Got a not so nice man on the phone from BOI but I got the PDF online very quick.
I haven't booked a meeting, last time I did and she said I didn't really need to and could have just dropped the forms in once I was sure it was all filled out. Might email her and see if I can do that.

BOI are my bank so won't have any issues with them and am waiting on AIB to get back to me. I did it with KBC the last time and had to send in the whole form even though the guy had already laughed at me down the phone and said they wouldn't even entertain me.
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29-07-2019, 19:59   #1739
Amary
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I haven't booked a meeting, last time I did and she said I didn't really need to and could have just dropped the forms in once I was sure it was all filled out. Might email her and see if I can do that.

BOI are my bank so won't have any issues with them and am waiting on AIB to get back to me. I did it with KBC the last time and had to send in the whole form even though the guy had already laughed at me down the phone and said they wouldn't even entertain me.
That’s just rude. I think it was KBC I tried to apply online and when I put in my earnings it wouldn’t let me go any further it said they only lend if your salary is over a certain amount. All the rest seem to be ok.
I was told I had to have an appointment. Maybe you don’t now if you already applied before.
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29-07-2019, 20:49   #1740
Salanky
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That’s just rude. I think it was KBC I tried to apply online and when I put in my earnings it wouldn’t let me go any further it said they only lend if your salary is over a certain amount. All the rest seem to be ok.
I was told I had to have an appointment. Maybe you don’t now if you already applied before.
Yeah I tried to do it online with them and AIB and I cant get any further on AIB than where you add your savings so I just put in for a call back. The KBC dude was grand until he asked me my salary and then he started laughing at me and said they wouldnt touch me as I dont earn enough to be worth lending to but to get that in writing I had to send in all the forms anyway. BOI just had a chat on the phone and sent me the letter no bother.

Might ring the council in the morning and see what the story is, will put me way behind if its another month to see someone to send it in followed by another 6 or 8 weeks for them to make a decision.....
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