Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie
Hi all! We have been experiencing an issue on site where threads have been missing the latest postings. The platform host Vanilla are working on this issue. A workaround that has been used by some is to navigate back from 1 to 10+ pages to re-sync the thread and this will then show the latest posts. Thanks, Mike.
Hi there,
There is an issue with role permissions that is being worked on at the moment.
If you are having trouble with access or permissions on regional forums please post here to get access: https://www.boards.ie/discussion/2058365403/you-do-not-have-permission-for-that#latest

Saving/Applying for a mortgage 2015/16/17/18/19

1…1112141617…198

Comments

  • #652
    PhoenixParker
    Registered Users, Registered Users 2 Posts: 2,677 ✭✭✭PhoenixParker


    Flatzie_poo wrote: »
    No need - the booking deposit is refundable up until you sign the contracts and enter a legally binding agreement.

    You're a protected buyer up until signing.

    My solicitor told us that while it's unlikely, the wording in a letter/email describing the particulars of the contract being negotiated could be construed as creating a legally binding contract prior to the actual signing of contracts.

    It's a common recommendation.

    http://www.halpinsolicitors.ie/index.php/property/


  • #653
    angeldelight
    Registered Users, Registered Users 2 Posts: 5,175 ✭✭✭angeldelight


    That's a tricky one Sleepy - could be an expensive one to fix...

    Apparently another bidder has bid 5k more than us. That's still at 25k below asking and estate agent says seller won't sell below asking anyway. Not sure what our next move should be


  • #654
    Geuze
    Registered Users, Registered Users 2 Posts: 13,741 ✭✭✭✭Geuze


    Santy2015 wrote: »
    Has anyone any experience with the 2% cash back offer from BOI? Is it taxable?

    As it's not income, I can't see how income tax is applicable.


  • #655
    Alkers
    Registered Users, Registered Users 2 Posts: 6,868 ✭✭✭Alkers


    Sleepy, can you explain to the seller and ask how they access the attic. Your surveyor could rent a ladder and do another visit, would probably cost more but not the full amount of another survey


  • #656
    Jentle Grenade
    Closed Accounts Posts: 415 ✭✭Jentle Grenade


    We went sale agreed this morning on a house, €5k over the asking price but still circa €30k less than what we are approved for. Quite a nervy few days all told. We waited nearly two full days for word back from the vendor. Is this usual? It seemed bizarre to me after the previous week of bidding between a few parties. What seemed to go in our favour in the end is that we are not in a chain and the other parties were (according to EA, also my OH happens to work with one of the other bidders which is a bit awkward). Not sure how people do this multiple times :o Came home from work to a letter from the land lord stating that he's putting his house on the market. Talk about strange timing.

    Sorry to hear that your engineer had problems Sleepy, perhaps it can be easily resolved though? Surely the vendor would be eager to help you out in that respect.


  • #657
    fermanagh_man
    Registered Users Posts: 810 ✭✭✭fermanagh_man


    I've been following the thread for a few months and will be putting a mortgage application in soon

    I have read previously about a boards member who is a broker and helped others board members out, I've tried to go back over comments and find his details but no joy after 20mins searching

    Was hoping someone could provide me with username or how to contact him?

    Thanks


  • #658
    Jentle Grenade
    Closed Accounts Posts: 415 ✭✭Jentle Grenade


    The poster is called killers1. Not used him myself but know a couple who went through him and were delighted with his help.


  • #659
    geez
    Registered Users Posts: 229 ✭✭geez


    Hi all we are mortgage approved with boi have put on a bid on a house and we are currently 20k over asking. Can I ask do ye think we are mad is this normal? House is lovely turn key condition. We are not even based anywhere near Dublin but asking asking was a bit low I guess. We are will to keep going to our budget. They have just advertised an opening viewing for Tuesday


  • #660
    Santy2015
    Registered Users, Registered Users 2 Posts: 1,065 ✭✭✭Santy2015


    geez wrote: »
    Hi all we are mortgage approved with boi have put on a bid on a house and we are currently 20k over asking. Can I ask do ye think we are mad is this normal? House is lovely turn key condition. We are not even based anywhere near Dublin but asking asking was a bit low I guess. We are will to keep going to our budget. They have just advertised an opening viewing for Tuesday

    Go for what feels right. That's what me and my fiancée did. Sale agreed now with what we thought would be a house we wouldn't go for.


  • Advertisement
  • #661
    mirrorwall14
    Closed Accounts Posts: 6,751 ✭✭✭mirrorwall14


    We have applied for Approval in principle. Told we will definitely qualify for exemption on deposit and there will be no issues with AIP. Just have to get life insurance fully organised for the other half and we'll be ready to go the whole way


  • #662
    Jentle Grenade
    Closed Accounts Posts: 415 ✭✭Jentle Grenade


    geez wrote: »
    Hi all we are mortgage approved with boi have put on a bid on a house and we are currently 20k over asking. Can I ask do ye think we are mad is this normal? House is lovely turn key condition. We are not even based anywhere near Dublin but asking asking was a bit low I guess. We are will to keep going to our budget. They have just advertised an opening viewing for Tuesday
    Every house we seemed to look at was running €10-15k over asking. This is in Cork city. It seems par for the course at the moment. The house we've gone sale agreed on is €5k over asking but had offers of €10k over budget by another buyer in a chain. Madness!


  • #663
    geez
    Registered Users Posts: 229 ✭✭geez


    Jentle Grenade wrote:
    Every house we seemed to look at was running €10-15k over asking. This is in Cork city. It seems par for the course at the moment. The house we've gone sale agreed on is €5k over asking but had offers of €10k over budget by another buyer in a chain. Madness!


    Hi so can I ask did they accept your offer ase you are a first time buyer/ cash buyer


  • #664
    Jentle Grenade
    Closed Accounts Posts: 415 ✭✭Jentle Grenade


    geez wrote: »
    Hi so can I ask did they accept your offer ase you are a first time buyer/ cash buyer

    EA told us that our offer was accepted for that reason exactly. FTB, no chain etc. Other bidders were in a chain.


  • #665
    ADO
    Registered Users Posts: 227 ✭✭ADO


    Hey folks.

    Looking for some advice. Myself and the missus are currently renting for over a year. I'm working full time in my current role for over 6 years and the missus is unemployed. I have saved up a deposit of 30k+ over the last few years and been honest I haven't a clue where to go next for looking at houses and getting a mortgage.

    I earn just over 30k a year but I don't understand how this 3.5 times your yearly salary works?

    If I saw a house for 220k I know I need a 20% deposit of 44k which I'm going to have to save for but with 3.5 times my salary leaves me way off the mark.

    What is my best situation to follow?

    Sorry but I'm terrible at this kinda thing.


  • #666
    Baby01032012
    Registered Users, Registered Users 2 Posts: 1,622 ✭✭✭Baby01032012


    ADO wrote: »
    Hey folks.

    Looking for some advice. Myself and the missus are currently renting for over a year. I'm working full time in my current role for over 6 years and the missus is unemployed. I have saved up a deposit of 30k+ over the last few years and been honest I haven't a clue where to go next for looking at houses and getting a mortgage.

    I earn just over 30k a year but I don't understand how this 3.5 times your yearly salary works?

    If I saw a house for 220k I know I need a 20% deposit of 44k which I'm going to have to save for but with 3.5 times my salary leaves me way off the mark.

    What is my best situation to follow?

    Sorry but I'm terrible at this kinda thing.

    If you're a first time buyer wouldn't it be 10% deposit but you'll need enough to cover stamp duty and solicitor! surveyor! bank valuation etc.

    If renting for 1 year what have you been doing accommodation wise before then?

    Your best bet is for your wife to get employment. You will be assessed by bank jointly anyway. And if 220k is your target you will not be able to get mortgage enough solely based on your 30k salary.

    You'll need to think long term, 5 years anyway and plan to be in best position possible income wise before then. Also consider any debts, loans etc you may have. Or look at affordable housing run by the council.


  • Advertisement
  • #667
    ADO
    Registered Users Posts: 227 ✭✭ADO


    We were renting a year before that aswell. How strict is the whole 3.5 times the salary thing? If I got 20% of 220k (44k) then we would need 3.5 times of our salary to be 180k? Is that right?


  • #668
    Sarn
    Registered Users, Registered Users 2 Posts: 3,091 ✭✭✭Sarn


    Based on your current information it looks like you'd need about €115k in savings to make up the shortfall. However, If you had a very large deposit they might ease the multiple a little.


  • #669
    ADO
    Registered Users Posts: 227 ✭✭ADO


    Thanks for the replies folks.

    Just one last question.....if my missus went and got a full time job and she was earning 30k a year and we had a deposit of 44k (which is 20% of 220k) then we would have a combined income of 60k, we would then need 180k mortgage which is exactly 3 times our income. Would that work?

    Sorry about all the questions. Thanks


  • #670
    mirrorwall14
    Closed Accounts Posts: 6,751 ✭✭✭mirrorwall14


    ADO wrote: »
    Thanks for the replies folks.

    Just one last question.....if my missus went and got a full time job and she was earning 30k a year and we had a deposit of 44k (which is 20% of 220k) then we would have a combined income of 60k, we would then need 180k mortgage which is exactly 3 times our income. Would that work?

    Sorry about all the questions. Thanks

    She would need to be in the job a while but yes. The max salary multiple is 3.5 times (without an exemption) so you would be well within it


  • #671
    mollybird
    Registered Users Posts: 1,053 ✭✭✭mollybird


    Well we are finally making the plunge of buying our first house. Anyone else in the same place and want to start a chat on going through it along the way??

    We are getting our deposit together through shares my husband has with the company he works for. I have been busy looking at my home.ie and daft and saving places i like and every so often deleting places that have sold.


  • Advertisement
  • #672
    Sarn
    Registered Users, Registered Users 2 Posts: 3,091 ✭✭✭Sarn


    You should probably check out this thread a few down as it also covers people going sale agreed.


  • #673
    Michael D Not Higgins
    Registered Users, Registered Users 2 Posts: 7,223 ✭✭✭Michael D Not Higgins


    Threads merged


  • #674
    Utah
    Closed Accounts Posts: 426 ✭✭Utah


    mollybird wrote: »
    Well we are finally making the plunge of buying our first house. Anyone else in the same place and want to start a chat on going through it along the way??

    We are getting our deposit together through shares my husband has with the company he works for. I have been busy looking at my home.ie and daft and saving places i like and every so often deleting places that have sold.

    We're doing the same at the moment.
    We were in with a mortgage advisor yesterday morning. All seemed positive. We should put in for approval in principle soon enough.
    We met some exemption criteria so he said in theory we could get x amount which is almost double what we need! madness. We won't be doing that.

    If all goes well, I think we should be good to make offers come June!


  • #675
    mollybird
    Registered Users Posts: 1,053 ✭✭✭mollybird


    thanks for that guys. wasn't sure if my thread would go seperatly or go under this.

    that's brilliant utah. super exciting. from what ive heard from a few people there is no set time for anyone that i may take. i have in my mind that we possibly be in the house for xmas but don't let myself think of it too much as we still not sure if we going for a new house or 2nd hand house. so i suppose when we know what we are going to go with i should have a better idea.


  • #676
    toure
    Registered Users Posts: 16 ✭toure


    mirrorwall14 wrote: »
    She would need to be in the job a while but yes. The max salary multiple is 3.5 times (without an exemption) so you would be well within it

    Whats a while? is it 6 months or 12 before you could apply after just starting a job? or just until probationary period has ended?


  • #677
    angeldelight
    Registered Users, Registered Users 2 Posts: 5,175 ✭✭✭angeldelight


    toure wrote: »
    Whats a while? is it 6 months or 12 before you could apply after just starting a job? or just until probationary period has ended?

    Pretty sure it's just to do with probationary period. I was only in my new job 4 months when we applied for a mortgage but there was no probationary period so it wasn't an issue


  • #678
    athtrasna
    Closed Accounts Posts: 13,420 ✭✭✭✭athtrasna


    angeldelight wrote: »
    Pretty sure it's just to do with probationary period. I was only in my new job 4 months when we applied for a mortgage but there was no probationary period so it wasn't an issue

    Must have been a very secure job? Under employment law you can be fired at any time during the first 12 months regardless of probation being over or not people are at an increased risk of being sacked in a new job.


  • #679
    angeldelight
    Registered Users, Registered Users 2 Posts: 5,175 ✭✭✭angeldelight


    athtrasna wrote: »
    Must have been a very secure job? Under employment law you can be fired at any time during the first 12 months regardless of probation being over or not people are at an increased risk of being sacked in a new job.

    Not particularly - private sector and very small company. Prior to starting this job I was on maternity leave too so we really thought we'd be told to wait


  • #680
    loveisdivine
    Registered Users, Registered Users 2 Posts: 2,463 ✭✭✭loveisdivine


    What's the general consensus on timing of the building survey? Before or after you bid and go sale agreed?


  • #681
    SarahMollie
    Closed Accounts Posts: 2,843 ✭✭✭SarahMollie


    I don't know anyone who does it before sale agreed.

    You could end up doing multiple surveys that way, each maybe €350 a pop.

    You can always get your deposit back and pull out of the sale if the survey highlights something thats unexpected and causes you to change your mind.


  • Advertisement
  • #682
    Chesty08
    Registered Users Posts: 6,083 ✭✭✭Chesty08


    Hey all,

    Would love some advise / help.

    Looking to step into the house owner market. Have 16k in savings. Looking to build a house in the region of 220k.

    I am aware that I will need approx 5k on solicitor fees, stamp duty and others.

    What other costs will I need to estimate for .. furniture, decor et al.?

    Realistically what will I need to have saved before getting approved for a mortgage to way into account this? I am currently saving 600 a month. How far am I off.


  • #683
    loveisdivine
    Registered Users, Registered Users 2 Posts: 2,463 ✭✭✭loveisdivine


    SarahMollie wrote: »
    I don't know anyone who does it before sale agreed.

    You could end up doing multiple surveys that way, each maybe €350 a pop.

    You can always get your deposit back and pull out of the sale if the survey highlights something thats unexpected and causes you to change your mind.

    What about if you still want the house, but aren't willing to pay as much if the survey highlights expensive work that needs doing?


  • #684
    bleary
    Registered Users, Registered Users 2 Posts: 495 ✭✭bleary


    loveisdivine wrote: »
    What's the general consensus on timing of the building survey? Before or after you bid and go sale agreed?
    The only time i have seen a Survey before going sale agreed are
    1. when a property is up for auction
    2. when a property has some issue or require substantial renovation work, in this case a sale agreed may have already fallen through due to work required, and an estate agent may insist on a survey before considering bids.


  • #685
    Bradz213
    Registered Users Posts: 235 ✭✭Bradz213


    Chesty08 wrote: »
    Hey all,

    Would love some advise / help.

    Looking to step into the house owner market. Have 16k in savings. Looking to build a house in the region of 220k.

    I am aware that I will need approx 5k on solicitor fees, stamp duty and others.

    What other costs will I need to estimate for .. furniture, decor et al.?

    Realistically what will I need to have saved before getting approved for a mortgage to way into account this? I am currently saving 600 a month. How far am I off.

    You will need a deposit of 22k for a build of 220k plus your 5k that you have stated.

    Furnishing depends on your taste. At a minimum you will need a fridge and cooker and a bed. You can get cheap beds and couches second hand. The rest can wait until after you've moved in or you could apply for a personal loan soon after you've drawn down the mortgage.


  • #686
    SarahMollie
    Closed Accounts Posts: 2,843 ✭✭✭SarahMollie


    loveisdivine wrote: »
    What about if you still want the house, but aren't willing to pay as much if the survey highlights expensive work that needs doing?

    Then you try to reopen the negotiations based on what was uncovered.

    Nothing is final until the contracts are signed.


  • #687
    Sleepy
    Registered Users, Registered Users 2 Posts: 24,268 ✭✭✭✭Sleepy


    Emailed my surveyor and his response is that he'd be happy to return to take a look at the attic if someone can offer a safe means to access it but that he uses a "standard surveyors ladder" of 16ft and that a fixed ladder wouldn't be able to be lifted into position to access the hatch as it sits over the deepest part of the stair well which is dangerous (I'd agree and, if we buy the house, we will be moving the access hatch).

    His ladder was a couple of foot too short to gain access to the attic.

    The BER Recomendations Report for the house makes reference to attic insulation so whomever carried that out presumably managed to gain access.

    Anyone know if there are surveyors that specialise in roofs? I've googled "roof survey" but can only find commercial, or UK based, service providers. I'm happy enough with everything else the survey came back with but I'm a little bit nervous moving forward with no assurance that the woodwork in the attic isn't riddled with woodworm/rot.


  • #688
    Santy2015
    Registered Users, Registered Users 2 Posts: 1,065 ✭✭✭Santy2015


    Just got my engineers report. It's new build,(was finished in 2007 been empty since) it's a very good and detailed report but makes only one reference to BER and that was that the report pays no attention to BER ratings. Is this right?


  • #689
    Chesty08
    Registered Users Posts: 6,083 ✭✭✭Chesty08


    Bradz213 wrote: »
    Chesty08 wrote: »
    Hey all,

    Would love some advise / help.

    Looking to step into the house owner market. Have 16k in savings. Looking to build a house in the region of 220k.

    I am aware that I will need approx 5k on solicitor fees, stamp duty and others.

    What other costs will I need to estimate for .. furniture, decor et al.?

    Realistically what will I need to have saved before getting approved for a mortgage to way into account this? I am currently saving 600 a month. How far am I off.

    You will need a deposit of 22k for a build of 220k plus your 5k that you have stated.

    Furnishing depends on your taste. At a minimum you will need a fridge and cooker and a bed. You can get cheap beds and couches second hand. The rest can wait until after you've moved in or you could apply for a personal loan soon after you've drawn down the mortgage.
    Have you experience applying for a personal loan whilst in mortgage?

    What is it like, criteria etc..?

    Thanks so I am looking at around 35k minimum


  • #690
    Bradz213
    Registered Users Posts: 235 ✭✭Bradz213


    Chesty08 wrote: »
    Have you experience applying for a personal loan whilst in mortgage?

    What is it like, criteria etc..?

    Thanks so I am looking at around 35k minimum

    No I'm only in the process of applying for mortgage myself but it's easier to get a loan after a mortgage then get a mortgage with a loan if you get me.


  • Advertisement
  • #691
    L1011
    Registered Users, Registered Users 2 Posts: 69,551 ✭✭✭✭L1011


    Santy2015 wrote: »
    Just got my engineers report. It's new build,(was finished in 2007 been empty since) it's a very good and detailed report but makes only one reference to BER and that was that the report pays no attention to BER ratings. Is this right?

    Yes - they aren't a BER assessor.


  • #692
    [Deleted User]
    Posts: 24,714 ✭ [Deleted User]


    Anyone know how the bank would react to going for approval alone and then going again for it as a couple?

    Essentially I would like go alone (for a few reasons) but properties I like are just too much for the 3.5x salary so thinking of going for joint approval with my gf. We would plan on moving in together in the house regardless of sole or joint mortgage.

    Ideally I'd like both approvals so that if I could get something alone I'd go for that or if I couldn't I'd go joint. Now we have never lived together and aren't married but would the bank still be inclined to decline the mortgage alone if I tired to go back to it after showing my hand so to speak and also going for a joint one?

    I will definitely go for approval alone initially just to see if I would get approval in the first place.


  • #693
    mirrorwall14
    Closed Accounts Posts: 6,751 ✭✭✭mirrorwall14


    Azalea Screeching Padding wrote: »
    Anyone know how the bank would react to going for approval alone and then going again for it as a couple?

    Essentially I would like go alone (for a few reasons) but properties I like are just too much for the 3.5x salary so thinking of going for joint approval with my gf. We would plan on moving in together in the house regardless of sole or joint mortgage.

    Ideally I'd like both approvals so that if I could get something alone I'd go for that or if I couldn't I'd go joint. Now we have never lived together and aren't married but would the bank still be inclined to decline the mortgage alone if I tired to go back to it after showing my hand so to speak and also going for a joint one?

    I will definitely go for approval alone initially just to see if I would get approval in the first place.

    Getting a mortgage on your own and moving in with your girlfriend does not mean you keep all rights to the house unless you get a lot of paperwork done by a good solicitor and your girlfriend is paying rent. Otherwise she will accrue rights to the house regardless of who is paying the mortgage etc.

    I would be very very cautious of both moving into a property owned by one of you when you don't refer to them as a partner and have never lived together. It could get very messy.

    Why not rent first together at least?


  • #694
    SB_Part2
    Closed Accounts Posts: 1,951 ✭✭✭SB_Part2


    KBC came back to me and told me that they wouldn't mortgage the house I went sale agreed on. Told me to "find something else". I've never experienced such unprofessional carry on from anyone.

    Going through a broker now.

    So disheartened.


  • #695
    athtrasna
    Closed Accounts Posts: 13,420 ✭✭✭✭athtrasna


    SB_Part2 wrote: »
    KBC came back to me and told me that they wouldn't mortgage the house I went sale agreed on. Told me to "find something else". I've never experienced such unprofessional carry on from anyone.

    Going through a broker now.

    So disheartened.

    Did they say why?


  • #696
    SB_Part2
    Closed Accounts Posts: 1,951 ✭✭✭SB_Part2


    athtrasna wrote: »
    Did they say why?

    They've determined from the valuation report that the house isn't habitable even though it says nothing of the sort. It wasn't even their own valuation report, it was one I got myself and sent it in with the application to help speed things up.

    It says "house is in poor condition in need of modernisation and decoration to include: rewiring, plastering and new bathroom."

    My father (and myself) own a construction company so anything needed to be done to fix the house would be done at cost. I had a quotation done up for the work that'd be done to cover the faults listed in the valuation report and she said "the underwriters think it would cost a lot more than that". I asked how much they thought it would cost "they don't know". My point then was if they don't know how much it would cost to do it up how do they know the costings I provided weren't enough.

    The girl I was deadling with just took an instant dislike to myself and my partner. My partner works for the public service and she refused to accept his payslips as "they look like you printed them off yourself".

    She also demanded to know why there was a withdrawal from one of the bank accounts that was actually a lodgement. I didn't have high hopes when she made such a simple mistake.


  • Advertisement
  • #697
    Uriel.
    Registered Users, Registered Users 2 Posts: 8,061 ✭✭✭Uriel.


    SB_Part2 wrote: »
    They've determined from the valuation report that the house isn't habitable even though it says nothing of the sort. It wasn't even their own valuation report, it was one I got myself and sent it in with the application to help speed things up.

    It says "house is in poor condition in need of modernisation and decoration to include: rewiring, plastering and new bathroom."

    My father (and myself) own a construction company so anything needed to be done to fix the house would be done at cost. I had a quotation done up for the work that'd be done to cover the faults listed in the valuation report and she said "the underwriters think it would cost a lot more than that". I asked how much they thought it would cost "they don't know. My point then was if they don't know how much it would cost to do it up how do they know the costings I provided weren't enough.

    The girl I was deadling with just took an instant dislike to myself and my partner. My partner works for the public service and she refused to accept his payslips as "they look like you printed them off yourself".

    She also demanded to know why there was a withdrawal from one of the bank accounts that was actually a lodgement. I didn't have high hopes when she made such a simple mistake.

    Was it a valuation or a survey you had done?
    Banks typically wouldn't take a valuation, save from their own approved valuers.


  • #698
    SB_Part2
    Closed Accounts Posts: 1,951 ✭✭✭SB_Part2


    Valuation. In hindsight I shouldn't have sent it.


  • #699
    [Deleted User]
    Posts: 24,714 ✭ [Deleted User]


    mirrorwall14 wrote: »
    Getting a mortgage on your own and moving in with your girlfriend does not mean you keep all rights to the house unless you get a lot of paperwork done by a good solicitor and your girlfriend is paying rent. Otherwise she will accrue rights to the house regardless of who is paying the mortgage etc.

    Rights to the property is not the reason for buying alone, in any case you need to co-habit for 5 years before that becomes an issue which is the reason I pointed out we hadn't lived together. She already owns a house which makes it much more complicated and messy going for a dual mortgage where as I am a first time buyer.

    Mortgage costs would be shared regardless of ownership.
    mirrorwall14 wrote: »
    I would be very very cautious of both moving into a property owned by one of you when you don't refer to them as a partner and have never lived together. It could get very messy.

    Why not rent first together at least?

    I will either move into her house or I/we will buy another house to live in. We would prefer to live in a different location to where her house is though hence why I'm not just moving there. I don't like the term partner so I don't use it, I'd often associate it with people against getting married (its a generalisation I know) which I am very much not but I'd rather have a house sorted before that.

    I have absolutely no interest in renting, its a massive waste of money and with house prices rising I want to get something bought before they get worse, this will just be a first house not the place I settle. The buying and not having lived together doesn't bother me in the slightest, a number of my friends have gotten married recently having never lived together until after the honeymoon and a few others bought as their first time living together also so its a normal for me for people to buy/get married after never living together before.

    Anyway most of the above is irrelevant to the question I asked.


  • #700
    Del007
    Registered Users, Registered Users 2 Posts: 1,613 ✭✭✭Del007


    SB_Part2 wrote: »
    KBC came back to me and told me that they wouldn't mortgage the house I went sale agreed on. Told me to "find something else". I've never experienced such unprofessional carry on from anyone.

    Going through a broker now.

    So disheartened.

    KBC in Cork are an absolute joke. They refused me due to me working 11 month contracts. Then my work circumstances changed and I enformed them with a letter from work. That was 2 weeks ago, they won't return my calls or emails. It's totally unprofessional


  • #701
    Santy2015
    Registered Users, Registered Users 2 Posts: 1,065 ✭✭✭Santy2015


    Just got a copy of our contracts of sale from our solicitor that the developer sent her. My fiancées name isn't on them and my surname is spelt wrongly. Will this affect it or can they amend it?


  • Advertisement
This discussion has been closed.
Advertisement