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Showing results 1 to 25 of 191 Search took 0.13 seconds. Search: Posts Made By: ronaldo

Forum: Property investment and tenants' rights 09-05-2013, 09:52 PM

Replies: 17 Go interest only on Tracker and use saving to pay off investment mortgage Views: 666 Posted By ronaldo But would the lender allow it for any excuse? I... But would the lender allow it for any excuse? I don't think mine would let me extend the term by a year, never mind go on interest only terms for any period whatsoever.

Forum: Property investment and tenants' rights 09-05-2013, 09:49 PM

Replies: 18 Alternative calculation of yield - better? Views: 658 Posted By ronaldo I'm not slating your figures or anything, just... I'm not slating your figures or anything, just curious. Is there a reason that you include Contingency as deductible against profits for tax but not as an expense when calculating the profit...

Forum: Property investment and tenants' rights 06-05-2013, 07:55 PM

Replies: 18 Alternative calculation of yield - better? Views: 658 Posted By ronaldo This view of "Return on Investment" sounds to me... This view of "Return on Investment" sounds to me like a calculation being done by someone trying to justify a bad investment. What about "Return on Capital at Risk"? At the end of the day, you may...

Forum: Mortgages and buying and selling homes 30-04-2013, 04:13 PM

Replies: 1 how far will bank look at arrears Views: 446 Posted By ronaldo I'm no mortgage broker and know of no-one who... I'm no mortgage broker and know of no-one who applied for one recently but I'd imagine your chances are slim-none. The banks are likely to have enough applications with perfect credit histories...

Forum: Mortgages and buying and selling homes 30-04-2013, 11:54 AM

Replies: 23 Key Post ptsb launch new LTV mortgages for new customers Views: 1,525 Posted By ronaldo I think a lot of people would be skeptical of any... I think a lot of people would be skeptical of any new, market-leading rates. Given that it's variable rates, most would expect the bank to raise them as soon as they've locked in a certain number of...

Forum: Mortgages and buying and selling homes 30-04-2013, 08:30 AM

Replies: 23 Key Post ptsb launch new LTV mortgages for new customers Views: 1,525 Posted By ronaldo It's a costly enough process then. The difficulty... It's a costly enough process then. The difficulty with this is trying to determine the 'sweet spot' of where it becomes worthwhile switching. It will obviously depend on who your current lender...

Forum: Mortgages and buying and selling homes 29-04-2013, 11:22 PM

Replies: 23 Key Post ptsb launch new LTV mortgages for new customers Views: 1,525 Posted By ronaldo Ah right, I get you now. Without knowing the... Ah right, I get you now. Without knowing the details on the figures, I'd say this is far too little of a difference. What are the capital requirements for Irish banks like? I know that, with UK...

Forum: Mortgages and buying and selling homes 29-04-2013, 08:47 PM

Replies: 23 Key Post ptsb launch new LTV mortgages for new customers Views: 1,525 Posted By ronaldo I think you may have mis-typed or else the... I think you may have mis-typed or else the original post is incorrect - is the difference not 0.05% for <70% when compared to <80%. That's only 50 euro on a 100,000 euro mortgage for a year. In my...

Forum: Mortgages and buying and selling homes 29-04-2013, 08:09 PM

Replies: 23 Key Post ptsb launch new LTV mortgages for new customers Views: 1,525 Posted By ronaldo It's good to see some more competition at the... It's good to see some more competition at the lower LTV's but the differential in the rates for 10% extra equity in your home seem pathetic at 0.05%-0.1%. A 70% LTV mortgage represents...

Forum: Mortgages and buying and selling homes 28-04-2013, 11:01 AM

Replies: 7 Will the banks lend to us.... Views: 1,010 Posted By ronaldo Even if they would lend to you, and I'm not... Even if they would lend to you, and I'm not saying they would, do you really think it'd be a good idea? Assuming you have no investments other than property (I get that impression from the post),...

Forum: Insurance not covered in other forums 25-04-2013, 09:58 PM

Replies: 9 Life mortgage protection / life assurance policy Views: 475 Posted By ronaldo I'm not sure if this post is related to mine... I'm not sure if this post is related to mine above or not - I just glanced over the post in caps and didn't really take the time to 'take in' what they were trying to say (god, I hate all-cap posts...

Forum: Mortgages and buying and selling homes 25-04-2013, 09:48 PM

Replies: 24 Could a new mutual building society be set up? Views: 1,871 Posted By ronaldo This is an interesting thread. Is the... This is an interesting thread. Is the differential in deposit rates and mortgage rates with AIB/BOI of any relevance when a large part of that difference is related to the subsidising of...

Forum: Insurance not covered in other forums 25-04-2013, 08:56 PM

Replies: 9 Life mortgage protection / life assurance policy Views: 475 Posted By ronaldo I recently switched providers for Life Insurance.... I recently switched providers for Life Insurance. I was previously with Zurich and the policy was for a 30 year term with 5 already lapsed and 25 left. The policy I replaced it with was for...

Forum: Problems with tracker mortgages 16-04-2013, 08:23 PM

Replies: 7 "Storm over bank's 'dirty tricks' on tracker loans" Views: 1,931 Posted By ronaldo The figures you see in the papers for... The figures you see in the papers for institutions selling loans to each other for X cents to the euro is an average valuation that one was willing to pay for the entire loan book - both good and...

Forum: The Local Property Tax 28-03-2013, 11:31 AM

Replies: 65 Discussion: Why are people paying the local property tax (LPT )? Views: 4,817 Posted By ronaldo Not a valid argument in my opinion. There... Not a valid argument in my opinion. There are many landlords for whom the rent doesn't cover the mortgages on their properties and, therefore, they can't afford to pay their income tax when the...

Forum: The Local Property Tax 28-03-2013, 11:28 AM

Replies: 65 Discussion: Why are people paying the local property tax (LPT )? Views: 4,817 Posted By ronaldo For what it's worth, I didn't agree with the... For what it's worth, I didn't agree with the flat-rate, household charge and didn't pay it. I will, however, be paying the 130 next month to avoid it 'hanging over me'. I do agree with the LPT...

Forum: The Local Property Tax 27-03-2013, 08:57 PM

Replies: 65 Discussion: Why are people paying the local property tax (LPT )? Views: 4,817 Posted By ronaldo I'll also be paying it - and think it's a good... I'll also be paying it - and think it's a good idea. For the homeowners of today, it's another expense during what are very tough times. However, for the homeowners of tomorrow, the requirement...

Forum: Property investment and tenants' rights 24-03-2013, 07:37 PM

Replies: 5 Not paid tax/nppr on property Views: 963 Posted By ronaldo As above, the non-registration with the PRTB and... As above, the non-registration with the PRTB and inability to write off 75% of mortgage interest against income is going to be the biggest problem. On top of the income tax, you'll have: NPPR:...

Forum: Investments 10-03-2013, 12:07 AM

Replies: 29 Investment Portfolio Views: 4,214 Posted By ronaldo Also, check out Interactive Brokers. You can... Also, check out Interactive Brokers. You can lodge euros through an Irish bank and maintain a balance in multiple currencies. Their charges are 4 euro for European trades, 6 pounds for UK...

Forum: Problems with tracker mortgages 27-02-2013, 09:53 PM

Replies: 0 Bank of Ireland increasing tracker rates significantly in UK Views: 1,466 Posted By ronaldo Bank of Ireland increasing tracker rates significantly in UK Has anyone seen this yet: http://forums.moneysavingexpert.com/showthread.php?t=4470099 Will likely get a lot of press coverage over the next few weeks. It appears that it only impacts a...

Forum: Pensions 23-02-2013, 09:46 AM

Replies: 60 Sticky: Key Post "Should I just save money or contribute to a pension?" Views: 8,822 Posted By ronaldo I'm extremely happy with the performance of my... I'm extremely happy with the performance of my pension. I started contributing in January 2006 - so just over 7 years. My pension is valued at 33.25% more than my total contributions. My first...

Forum: Insurance not covered in other forums 16-02-2013, 09:04 PM

Replies: 5 Life Indexation: Is it EVER worth it? Views: 728 Posted By ronaldo Regarding the providers where the rises in... Regarding the providers where the rises in premiums and sum insured is the same, I guess you'd need to get a quote for indexed policies with those providers and then see what level of insurance the...

Forum: Insurance not covered in other forums 16-02-2013, 08:55 PM

Replies: 5 Life Indexation: Is it EVER worth it? Views: 728 Posted By ronaldo I've changed my life cover to 35 years this year... I've changed my life cover to 35 years this year and the amount covered is almost 15% more than my mortgage, which has 25 years left to run. It's also a level-term policy as opposed to decreasing...

Forum: Insurance not covered in other forums 16-02-2013, 02:14 PM

Replies: 5 Life Indexation: Is it EVER worth it? Views: 728 Posted By ronaldo Indexation: Is it EVER worth it? Given the fact that a lot of policies increase the premium on an indexed life insurance policy by 8% and the benefit only by 5%, is indexation EVER worth it? For a short term policy (less than 10...

Forum: Insurance not covered in other forums 16-02-2013, 01:09 PM

Replies: 16 Life Am I overinsured as a single person? Views: 1,256 Posted By ronaldo I was just thinking too - if I decide that it's... I was just thinking too - if I decide that it's not worth the hassle of being a landlord after becoming critically ill, my 70% Income Protection policy would need to cover both mortgage whilst I'm...

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