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

GingerLily · 11-02-2019 8:21pm

New_home_2018 wrote: »

l
Yes. Apparently it's quite common with unmarried couples. It'll change to my name on the title when we're married

You are going to be on the mortgage but not on the title?

I think you need independent legal advice

New_home_2018 · 11-02-2019 8:23pm

GingerLily wrote: »

You are going to be on the mortgage but not on the title?

I think you need independent legal advice

Yes. This is what we were told by our solicitor. Just until we're married

GingerLily · 11-02-2019 8:24pm

New_home_2018 wrote: »

GingerLily wrote: »

You are going to be on the mortgage but not on the title?

I think you need independent legal advice

Yes. This is what we were told by our solicitor. Just until we're married

Talk to another solicitor, independently, this doesn't sound right

andydurnin · 12-02-2019 11:22am

Hi. Dose anyone have a number for revenue for Help to Buy as I am in the middle of my application and the builders company said they only got half the money. Dose anyone know why this has happened?

axlmac · 13-02-2019 5:59pm

Hi all. Thanks for all the tips so far. I submitted my application ~1.5 weeks ago. Both my partner and I are showing as 'Under Review' ... 'Awaiting partner confirmation of group'. We've both confirmed the group - and having called Revenue - were told we were in a queue until we're processed (although they didn't specify how long it would take)

Just wondering if anyone else has a view of how long it took them? Conscious time of year, volume of applications in system may have an impact.

Thanks in advance.

simons104 · 13-02-2019 10:49pm

axlmac wrote: »

Hi all. Thanks for all the tips so far. I submitted my application ~1.5 weeks ago. Both my partner and I are showing as 'Under Review' ... 'Awaiting partner confirmation of group'. We've both confirmed the group - and having called Revenue - were told we were in a queue until we're processed (although they didn't specify how long it would take)

Just wondering if anyone else has a view of how long it took them? Conscious time of year, volume of applications in system may have an impact.

Thanks in advance.

About 3 days though was in October

swarmberg · 14-02-2019 10:47am

axlmac wrote: »

Hi all. Thanks for all the tips so far. I submitted my application ~1.5 weeks ago. Both my partner and I are showing as 'Under Review' ... 'Awaiting partner confirmation of group'. We've both confirmed the group - and having called Revenue - were told we were in a queue until we're processed (although they didn't specify how long it would take)

Just wondering if anyone else has a view of how long it took them? Conscious time of year, volume of applications in system may have an impact.

Thanks in advance.

The current wait is 4 - 6 weeks. I have the same showing up on mine and my partners. They were able to tell me my 2018 year was under review because my employer had not filed their P35 return with revenue. They have until the 23rd of Feb to do this so will have an impact on the time of turnaround if not filed.

axlmac · 14-02-2019 1:37pm

Thanks Swarmberg. When did you submit and who gave you the rough timeline?

Sounds like Revenue have at least done an initial review of your application which is good news. When I called they said I was just in a queue and she couldn't tell me more - which is fair enough. However my concern was that they weren't too prescriptive re duration to get reviewed / processed. Anyone else had to delay going to full loan offer because of this?

masterboy123 · 14-02-2019 6:04pm

I have HTB scheme approved for 20k, but this will expire in March 2019.

It looks like we will get signed contracts after expiry of HTB. There is no option to extend it through the online revenue account.

Does anyone know how long does it take to re-apply once it expires?

fguinan · 15-02-2019 8:27am

masterboy123 wrote: »

I have HTB scheme approved for 20k, but this will expire in March 2019.

It looks like we will get signed contracts after expiry of HTB. There is no option to extend it through the online revenue account.

Does anyone know how long does it take to re-apply once it expires?

You should re-apply, and don't select 2018 as a relief year. That way you are not stuck if your employer hasn't filed their end of year accounts.

masterboy123 · 15-02-2019 9:41am

There isn't an option to "re-apply". Only thing I see is "Claim" then it says submit contract and mortgage papers.

Do I have to wait for it expire first?

And we have p60 for 2018 last week from my employer.

fguinan wrote: »

You should re-apply, and don't select 2018 as a relief year. That way you are not stuck if your employer hasn't filed their end of year accounts.

axlmac · 15-02-2019 5:49pm

masterboy123 wrote: »

I have HTB scheme approved for 20k, but this will expire in March 2019.

It looks like we will get signed contracts after expiry of HTB. There is no option to extend it through the online revenue account.

Does anyone know how long does it take to re-apply once it expires?

I don't know if Revenue have a policy on this Masterboy123 but let's say - worse case scenario - you needed to start again. From my experience it took 9 working days from submission of application to application review/approved.

FYI - tried PM-ing you but your mailbox is full apparently

masterboy123 · 15-02-2019 7:46pm

I have cleared up inbox now, try now please. Didn't know it gets full. I use mobile version of boards.

axlmac wrote: »

I don't know if Revenue have a policy on this Masterboy123 but let's say - worse case scenario - you needed to start again. From my experience it took 9 working days from submission of application to application review/approved.

FYI - tried PM-ing you but your mailbox is full apparently

Crey86 · 16-02-2019 12:12pm

Has anyone else been told at stage one, Tax Clearance Certificate not issued.

I'm a PAYE worker as is my wife, I applied immediately after getting my P21, revenue explained that it takes some days for the system to see the P21 even though the cert is online.

Does this sound right? Or am I going to find out in a couple of days that I need to apply for a tax clearance certificate. I went through the eForm and it doesn't seem in anyway relevant to me or the HTB.

Maxed-irl · 17-02-2019 11:58pm

Crey86 wrote: »

Has anyone else been told at stage one, Tax Clearance Certificate not issued.

I'm a PAYE worker as is my wife, I applied immediately after getting my P21, revenue explained that it takes some days for the system to see the P21 even though the cert is online.

Does this sound right? Or am I going to find out in a couple of days that I need to apply for a tax clearance certificate. I went through the eForm and it doesn't seem in anyway relevant to me or the HTB.

You can request a tax clearance cert down near the bottom of the revenue website. P21 will have to be requested too

Daniogroove · 18-02-2019 7:54am

Crey86 wrote: »

Has anyone else been told at stage one, Tax Clearance Certificate not issued.

I'm a PAYE worker as is my wife, I applied immediately after getting my P21, revenue explained that it takes some days for the system to see the P21 even though the cert is online.

Does this sound right? Or am I going to find out in a couple of days that I need to apply for a tax clearance certificate. I went through the eForm and it doesn't seem in anyway relevant to me or the HTB.

You have to request p21's for each year you want to use and then submit form 12's for each year after that.

Crey86 · 18-02-2019 9:15am

Daniogroove wrote: »

You have to request p21's for each year you want to use and then submit form 12's for each year after that.

Ah okay, I have done all that now so hopefully it sorts itself out over the next couple of days.

NewMrs2b · 18-02-2019 4:31pm

Looking for some help please - I have searched but can't seem to find answer, I do apologise if this has been asked already.

We are at the final stages, as in solicitor has funds ready to issue.

We got a notification today to say help to buy claim approved - you HTB fund will issue in approximately 5 working days.

Does this mean the builders solicitor has claimed the funds on their end, or is this some automated notification?

Thanks for any help.

GingerLily · 18-02-2019 4:37pm

NewMrs2b wrote: »

Looking for some help please - I have searched but can't seem to find answer, I do apologise if this has been asked already.

We are at the final stages, as in solicitor has funds ready to issue.

We got a notification today to say help to buy claim approved - you HTB fund will issue in approximately 5 working days.

Does this mean the builders solicitor has claimed the funds on their end, or is this some automated notification?

Thanks for any help.

We got this notification when our builders claimed the HTB, they sent out the closing documents when the money was received at week later.

andydurnin · 19-02-2019 12:32pm

Has anyone got a contact number for revenue for the help to buy scheme?

Aleera · 19-02-2019 8:29pm

Hello. I’m just starting the HTB process at the moment and am at the beginning stages. Can someone explain the whole Form 12/P21 situation? Finding it so confusing.

Many thanks

Brian201888 · 19-02-2019 11:18pm

When I log into Revenue it shows that my Form 12's are all submitted for the years in question but when I attempt to move forward it says that I need to submit them. Called Revenue today and they didn't seem sure what was going on and took my number saying someone would call me back but that didn't happen.

Anyone else have the same happen?

Julez · 21-02-2019 12:47pm

andydurnin wrote: »

Has anyone got a contact number for revenue for the help to buy scheme?

Was wondering this too. To quote Brian201888 above "Called Revenue today and they didn't seem sure what was going on" is a pretty common theme. Them seem to just say anything to try to get you off the phone. I wish you could call people who were directly working on HTB so they actually knew what they were talking about.

I have created a group and added my partner, and she has accepted. On my end it says that we are "Awaiting Member Confirmation" for her, on her end it says that I've been added successfully. Her status says "Your application is currently under review". Really hard to know if its actually moving along or if anything is blocking it. We have everything ready to go, potentially wanted to put deposit on house this weekend but can't without this. Status has been like this a couple of weeks now.

Crey86 · 21-02-2019 1:14pm

Daniogroove wrote: »

Has anyone else been told at stage one, Tax Clearance Certificate not issued.

I'm a PAYE worker as is my wife, I applied immediately after getting my P21, revenue explained that it takes some days for the system to see the P21 even though the cert is online.

Does this sound right? Or am I going to find out in a couple of days that I need to apply for a tax clearance certificate. I went through the eForm and it doesn't seem in anyway relevant to me or the HTB.

You have to request p21's for each year you want to use and then submit form 12's for each year after that.

So, just to clarify, apparently I was randomly selected for review, and they told me to complete the Tax Clearance Certificate form. As soon as I hit submit it came back clear.

I must have rang revenue about 15 times during the process and got different answers each time. My feeling is that the system is just full of bugs and the staff are taking the shot in the dark approach to troubleshooting.

I had an argument with one lady who was trying to convince me that it was my wife that applied and not me.

Nope definitely me that applied, but her computer was right.

awec · 21-02-2019 1:37pm

andydurnin wrote: »

Has anyone got a contact number for revenue for the help to buy scheme?

You just ring the usual PAYE number.

charlietheminxx · 22-02-2019 11:00am

I'm going through the same thing. I set up the group, submitted all my Form 12 staff, my partner confirmed his addition to the group and did all his. A week on, mine still says it's waiting for my 2018 Form 12 (even though this was done the day after the others, I was just waiting for my pension cert) and that my partner is "awaiting membership confirmation". His shows the same for me. I thought it was supposed to be a very quick and easy process but it seems not!

Phileas Frog · 24-02-2019 2:20pm

Does the property need to be completed by the end of the year to avail of the HTB?

charlietheminxx · 24-02-2019 5:38pm

Phileas Frog wrote: »

Does the property need to be completed by the end of the year to avail of the HTB?

Yes, there was a PDF posted a couple of pages back that outlines the different scenarios and it confirmed that.

Phileas Frog · 24-02-2019 11:03pm

charlietheminxx wrote: »

Yes, there was a PDF posted a couple of pages back that outlines the different scenarios and it confirmed that.

The revenue one? I found it, it seems to say the opposite... So I should be ok

"The first-time buyer must have entered into a contract to purchase a new house or apartment on or after 19 July 2016 and on or before 31 December 2019."

charlietheminxx · 25-02-2019 12:26pm

Phileas Frog wrote: »

The revenue one? I found it, it seems to say the opposite... So I should be ok

"The first-time buyer must have entered into a contract to purchase a new house or apartment on or after 19 July 2016 and on or before 31 December 2019."

Whoops

My mistake... Apologies.

GingerLily · 25-02-2019 12:42pm

Phileas Frog wrote: »

Does the property need to be completed by the end of the year to avail of the HTB?

I think you need to claim it which you can do as part of contract signing rather than waiting for the property to be complete.

Creamy Goodness · 25-02-2019 2:40pm

My guess is there’ll be a rush of builders making sure they can claim it before the deadline in December. I wouldn’t worry about it.

Tipsy McSwagger · 25-02-2019 10:05pm

I resubmitted so I could include 2018 and got a message it’s benn cancelled as I have an underpayment of €295 for 2018. What a pain in the ass that is, I don’t do my own taxes. I’m in 2 minds now to include 2018 and pay the €295 and hope I get a good amount included when the application is approved or just not submit for 2018.

Daniogroove · 25-02-2019 10:32pm

Tipsy McSwagger wrote: »

I resubmitted so I could include 2018 and got a message it’s benn cancelled as I have an underpayment of €295 for 2018. What a pain in the ass that is, I don’t do my own taxes. I’m in 2 minds now to include 2018 and pay the €295 and hope I get a good amount included when the application is approved or just not submit for 2018.

Pay it. If you've been in steady employment think of each year as 1.25% of your deposit. Definitely worth it

Xios · 26-02-2019 10:49pm

Hey guys, I've a question.

The missus and I are looking to buy before the end of the year. And we're exploring the HTB scheme. However we've been in college/training for the last few years, so our paid tax only comes in at about 8k for the past few years.

We're both earning considerably more this year and will pay a lot more in taxes. Is there anyway we can include a portion of this year tax payments when applying for the scheme? As it makes or breaks our deposit goals before year end.

Daniogroove · 26-02-2019 10:58pm

Xios wrote: »

Hey guys, I've a question.

The missus and I are looking to buy before the end of the year. And we're exploring the HTB scheme. However we've been in college/training for the last few years, so our paid tax only comes in at about 8k for the past few years.

We're both earning considerably more this year and will pay a lot more in taxes. Is there anyway we can include a portion of this year tax payments when applying for the scheme? As it makes or breaks our deposit goals before year end.

I don't think you can submit form 12's until the year is out. Best to ring revenue and ask. I would wait til next year if i was you, use this year to save and for showing saving history for your mortgage application. The way the housing crisis is i can't see the HTB going anywhere next year.

awec · 27-02-2019 1:41pm

Xios wrote: »

Hey guys, I've a question.

The missus and I are looking to buy before the end of the year. And we're exploring the HTB scheme. However we've been in college/training for the last few years, so our paid tax only comes in at about 8k for the past few years.

We're both earning considerably more this year and will pay a lot more in taxes. Is there anyway we can include a portion of this year tax payments when applying for the scheme? As it makes or breaks our deposit goals before year end.

No.

2018 is the latest tax year you can use as of now.

el Fenomeno · 27-02-2019 2:24pm

Yeah, you've only 2 options.

(i) Apply now based on 2015-2018 taxes.
(ii) Hope the HTB gets extended another year, and apply next year using 2016-2019 taxes.

Aleera · 27-02-2019 3:06pm

I started the HTB process on Monday. Rang revenue today and was told there’s approx a 4 week wait list before the application is even assigned to a case officer. Anyone else been told this?

GingerLily · 27-02-2019 3:21pm

Aleera wrote: »

I started the HTB process on Monday. Rang revenue today and was told there’s approx a 4 week wait list before the application is even assigned to a case officer. Anyone else been told this?

They seem to be getting a massive surge in applications, out only took 1 day, but it was late 2017!

charlietheminxx · 27-02-2019 4:23pm

Aleera wrote: »

I started the HTB process on Monday. Rang revenue today and was told there’s approx a 4 week wait list before the application is even assigned to a case officer. Anyone else been told this?

I was onto them on Monday because our application was stuck on pending (even though everything had been submitted, it was a system error on their side) and I asked how long it usually takes to review the applications. I was told it's usually a couple of days if there are no complications but now I'm seriously worried

Have you changed your marital status or anything that would require a more extensive review? It's 2 weeks since we first applied and the bank and estate agent are both looking for our HTB details so I hope what you were told is wrong!

swarmberg · 27-02-2019 5:22pm

charlietheminxx wrote: »

I was onto them on Monday because our application was stuck on pending (even though everything had been submitted, it was a system error on their side) and I asked how long it usually takes to review the applications. I was told it's usually a couple of days if there are no complications but now I'm seriously worried Have you changed your marital status or anything that would require a more extensive review? It's 2 weeks since we first applied and the bank and estate agent are both looking for our HTB details so I hope what you were told is wrong!

Mines took 3 weeks from submitting to getting the codes, got them last Friday. Took alot of ringing every two days to try and speed it up though. Id say its around a month wait due to the number of applications.

charlietheminxx · 28-02-2019 7:59am

swarmberg wrote: »

Mines took 3 weeks from submitting to getting the codes, got them last Friday. Took alot of ringing every two days to try and speed it up though. Id say its around a month wait due to the number of applications.

What a pain! I’ll ring them tomorrow to see if I can get a push on it. The estate agents can’t draw up the contracts without Revenue confirming our refund sum. Probably a lot of people in the same boat at the moment.

Phileas Frog · 28-02-2019 8:01am

Are ye talking about the initial application, where it tells you the max you can claim and gives you 2 codes so solicitor & estate agent can verify?

charlietheminxx · 28-02-2019 10:59am

That's what I'm talking about anyway! I thought it would be automated and fairly quick but it seems not...

Daeltaja · 28-02-2019 10:11pm

Is there a way to cancel or amend a pending application? I want to change the relief years I selected. There doesn't seem to be an option on MyAccount

Odette22Odile · 01-03-2019 2:30pm

Hopefully this isn’t too daft a question, but if there is a delay with the application being processed, but you are eligible, can you go ahead and pay the deposit yourself and then use the rebate at a later stage?

GingerLily · 01-03-2019 3:57pm

Odette22Odile wrote: »

Hopefully this isn’t too daft a question, but if there is a delay with the application being processed, but you are eligible, can you go ahead and pay the deposit yourself and then use the rebate at a later stage?

Are you self building?

Odette22Odile · 01-03-2019 4:12pm

GingerLily wrote: »

Are you self building?

Nope, buying a new build.

GingerLily · 01-03-2019 4:18pm

Odette22Odile wrote: »

GingerLily wrote: »

Are you self building?

Nope, buying a new build.

Revenue will pay the developer directly then

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

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