220k budget in Dublin

Gael23 wrote: »

It’s in Prosepect Hill Finglas

Ah I used to live just down the road from there. It's grand, no real trouble around that area. It's almost Glasnevin.

Gael23 wrote: »

Blanchardstown/Ongar/Ashtowm area seems like a good area to look.
I have a medical condition which means I can’t drive and that’s not changing for the foreseeable future so public transport and being close to amenities is critical.
If I saw the perfect house but it wasn’t near shops or a bus that would be a deal breaker

It's a bit harder to find a place when not driving alright. Though its worth looking into and researching public transport where ever you choose that's close to the area you be in and can get you to work aswell.

Blanchardstown and that direction be roughly 30 mins by bus when not in rush hour but could take nearly an hour to get to city when traffic is heavy be mindful of that, trains/luas might be a better option in those circumstances as they take you straight into the city.

Have you considered other counties just outside of Dublin even with trains/buses and commute? Kildare, Meath, Louth and Wicklow are options.

Kildare probably best bet with regular trains and Meath is better for bus transport especially out the Navan Road direction/M3 and N3. Wicklow serves both trains and buses but the trains can be fairly full at rush hour pre-covid! Ashbourne is a good bit out I'm not sure how well it served by public transport I know buses going via Navan and Kells are well catered for as they cover blanchardstown and clonee aswell. A town or village probably be the ideal place for you really in Dublin, Kildare or Meath. Ashtown is served by buses and trains. Other areas near it are served by buses mainly. There are a few trains that pass near those areas as well. Lucan, Celbridge and Lexlip are worth looking into aswell.

It depends where you are working. I think look into that first and then see where it can take you back. Sticking with one form of transport is better than having to go on two or three buses/trains!

Living near the motorways it depends if they are served by buses regularly. I know Clonee and places out that direction are served by buses often. Have you looked into South Dublin rather than North Dublin? Further out to Citywest, Dundrum, Sandyford or Stepaside might be places to consider for apartments aswell if you wish to stay in the Dublin region.

brisan wrote: »

https://www.myhome.ie/residential/brochure/new-priory-hole-in-the-wall-road-clongriffin-dublin-13/4300831
No bidding war
Bus to town on your doorstep
DART a 10 min walk
Donaghmede SC a 10 min walk
Everything on your doorstep

Resale value on these will be low, Irish people have long memories.

Also 55/184 for social housing is a very high proportion.

Gael23 wrote: »

Feeling a bit deflated.

I saw a 2 bed apartment in Santry that was pretty much perfect and after the first few viewings they have increased the price by €50,000 which counts me out.
Have seen a few 1 beds in alright areas but the living space is just too small, I need a space to have a work desk.

If I find something that I can afford that fits the bill when I research the area it rules it out. Someone linked to what looked like a lovely apartment in Parkwest but on one side was Cloverhill Prison and the other a halting site

No car would be a bigger problem in Parkwest than the halting site or prison, which are side by side on the Cloverhill Road rather than either side of Parkwest.

The Spar is really a lunchtime sandwich place and used open only half days Saturday and closed Sundays, but that may have changed.

After that, there's no supermarkets within 2km but within a fraction over 3km you have 2 Lidls, 2 Tescos, Aldi, Dunnes and SuperValu, funny how you could have so much within 2 miles but nothing within 1.5 miles.

The only one of these usefully served by public transport however is Tesco in Ballyfermot on the 79a bus. Lidl on Nangor Road is somewhat served by the 151 bus but you'll be walking nearly half the distance. Maybe you're disciplined with weekly grocery shopping or use home delivery which would make this less of a problem.

Parkwest to the City Centre is relatively well served train, 79a, AMC private bus and 151.

Somewhere like Rosebank in Clondalkin might strike a better balance with local shops, still convenient for the train and 151, the 68 instead of the 79. Taxis home from town marginally more expensive.

Gael23 wrote: »

I looked at the house in Bray but it has a downstairs bathroom and that’s a bit of a dealbreaker.
I do see your point on apartments but as a FTB in the Dublin area houses seek out of reach

Bray virtually is Dublin, the borderline is just before it. There are a few houses at the link I shared above in your budget, please don't end up buying somewhere like Finglas and end up regretting it and unable to sell easily when the time comes.

Gael23 wrote: »

Single First time buyer looking for a place in Dublin. I realise for this money it will be a 1 2 bed apartment but looking for adobe on areas to look in or avoid.

I don’t want to be so far out in a place like Balbriggan or Rush where it takes hours to get into work. Can go to €220k but that’s doesn’t stretch

What are if Dublin do you work and do you socialise much in regular times in town etc, depending on your answers, living miles out in a massively compromised location is a bad idea in my opinion

Gael23 wrote: »

Whats really frustrating is I can afford repayments on a loan higher than I qualify for but because of the Central Bank rule that doesnt matter

If the Central Bank rules weren't in place most of those youre budding against would also be able to borrow more. Youd find yourself in the same position of lack of affordable options except you'd be committing to repay 400k instead of 220k.

One thing to be aware of with an apartment (or a house in a mixed unit development) is management fees.
You could get lucky and they might be reasonable enough or you could be unlucky and end up paying the equivalent of another months mortgage or more..

Always number 1 wrote: »

One thing to be aware of with an apartment (or a house in a mixed unit development) is management fees.
You could get lucky and they might be reasonable enough or you could be unlucky and end up paying the equivalent of another months mortgage or more..

Yeah management fees are something many people dont take account of when buying. Some developments now are knocking almost 2k a year which adds up to a significant extra cost of ownership across multiple years. Unfortunately though houses are out of the grasp of many FTBs who want to be reasonably close to the city for work. Apartment developments with their own doors and no lifts tend to be a fair bit cheaper for management fees than those with lifts.

OP you may not be but if you are under 50k you can get 320k off rebuilding Ireland home loan.

Gael23 wrote: »

Bank are offering me 125k and council are offering 180k. So taking that plus savings brings me to 220-230k very max. Management fees are a pain but as long as Im aware of it I can save towards it.

I still think Clongriffin is a good bet
20 mins by DART into Connolly ,15 Bus on your doorstep
Malahide Howth etc easily accessible
Shops takeaways etc nearby

JethroC wrote: »

FWIW, I was way under your limit of 220k and wanted to buy in Dublin last year but couldn't. I started to look outside of Dublin at the places with the best transport links into Dublin and the one that stood out was Drogheda. I did a lot of research into Drogheda and I ended up buying a 3 bed house in a nice area close to the centre of the town and am extremely happy with the purchase.
Travelling into and out of Dublin (door to door) takes an hour and no more as the coach (Matthews, which you can get a yearly taxsaver card for) uses the motorway / port tunnel in the mornings and evenings.
Even the non port tunnel route is only 10 mins more. If I had of bought in Tallaght or anywhere further out of the centre of Dublin the travel time would have been the same or more easily (I know of a colleague who lives at the far end of James' Street and it takes him over an hour to get into his job in Ringsend in the mornings).
You've also the option of Bus Eireann or the train and there are other transport operators that travel there and back too

This is very true, sometimes locations outside of Dublin have better transport links into the city than locations inside Dublin county. eg Newbridge in Kildare is 50kms from Dublin but there is a morning train at 7.29 that only stops once and it gets to Hueston for 7.59 meaning it does an average speed of 100kph. In comparison Dublin Bus speeds at rush hour average only 16kph, it is ridiculously slow to the point of where you would cycle many journeys quicker.

But one good location inside Dublin for a fast commute is Ashtown which is why I suggested the OP see can they find anything around there. iirc Ashtown to Connolly is 20 minutes which is pretty decent compared to taking the bus. The OP cannot drive due to a medical condition so Ashtown offers him a quick commute to work near the Convention Centre as well as having two local supermarkets he can shop in without needing a car. Plus having the Phoenix Park just a 5 minute walk away from Ashtown village is a massive bonus.

For what its worth Droghedas status as a commuter town began circa 1997 with the introduction of the Belfast Enterprise service. When services first began the Enterprise from Belfast had its last stop in Drogheda and from there it bulleted into Connollly in just 22 minutes. Then along came the Malahide DART extension and the 22 minute time was no longer possible, it went up to 40+ minutes as it followed slower DARTs into Connolly. .

Yeah but set up some alerts on Daft/Myhome. I beds are always in short supply as there isnt as many of them out there as there are 2 beds. But I think Ashtown suits your commuting & supermarket needs quite well plus it doesnt suffer from the same anti social problems that other areas in your budget can have. For me I would rather go with a one bed in a good area than a 2 bed in a bad one.

You just got to find a good one bed apartment, some are as small as 40sqm whereas others are as big as 55sqm, theres a huge difference and feel space wise between the two. In Ashtown Ive been in both the Chandler and Waxworks apartment developments and both are of a good standard and the sizes are decent enough. They're right by the train station and Supervalue less than a minutes walk out your door with Aldi just 5 minutes walk away.