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    Non FTB - Equity in current house - Do I need 20% deposit for next purchase?

    You will need to have signed an irrevocable contract to sell your current house before you’ll be able to use equity as a deposit. Alternatively you can apply for an exemption through a mortgage broker so that you get a higher mortgage I.e. 85-90% with a view to reducing it with your equity.
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    What will happen KBC mortgages?

    Your mortgage terms should stay the same as your contract once they’re sold on. You may be able to move your tracker at a cost but isnt worth doing e.g. additional 1-1.5% onto your rate
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    Remote work and taxation

    They do have an operation and base in Ireland - you. They will need to register as an employer in Ireland and deduct payroll taxes as normal. This is a fairly simple process and all info is on the revenue website. Its normal for companies to use a payroll provider to look after this for them.
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    P&L issue after changing to accounts software

    sounds like you should enter a manual journal to zeroise these expenses in December and reprocess with a January transaction date. Also look into 'locking' the previous period to prohibit postings once the month has been closed
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    Software to Manage Employee Data

    The system below would do the job for you and could also be used for a document share. not cheap for 150+ employees but saves you having to buy a server https://thehrcompany.ie/index.php/hr-on-the-cloud/hr-system-pricing/
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    Fake Grass

    just used aboutyourgarden.ie - very good service
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    Selling and moving abroad

    Great thanks, 3 different estate agents calling out next week to give a valuation, will say we're looking to relocate to other side of the city and will start looking once we've gone sale agreed
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    Selling and moving abroad

    Hi We're looking to sell our house in Dublin over next few months and move to the US. Should we tell our estate agent that we plan to move abroad or will this impact the sale? I don't want potential buyers to think that they can get a better deal closer to our departure. Any advice...
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    can we buy before selling?

    thanks for all the replies. i would have the deposit for a new place but not the funds to maintian too mortgages for any lenght of time so i guess i'll focus on putting the house on the market first before looking too much elsewhere. i'll also look into gettign pre approval for a mortgage so i...
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    can we buy before selling?

    hi, we are looking at selling up and moving somewhere nicer now we've got a couple of kids. i've a secure well paid job and should qualify for a mortgage ok based on salary and good credit record. at this stage we're wondering if ew need to wait until we sell our house before we buy...
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    Banks' Pension Scheme Review - Status of members with Deferred Benefits

    Re: Pension Scheme Review - Status of members with Deferred Benefits we've recently gone through something similar and have had similar feedback from pensioners. the trustees have to ensure that all members are treated equally, regardless whether you are an active member, deferred or a...
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    building US credit score

    hi chocks away, thanks for your answer. I wasn't very clear in my first mail - I'm wondering how I can build up a credit rating in the US from here before I move over?
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    building US credit score

    hi, what is the best way of establishing a credit score in the US in my name. my wife is a citizen and we plan to move over there in a few years, so i would like to build up a record so it will be easier to get a mortgage etc. can i open bank accounts, savings accounts despite not being a...
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    disposing plasterboard

    hi, I have old plasterboard and fibre glass from the attic that i want to get rid of. is there anywhere on the northside that will accept it? theres not enough to justify a skip Thanks
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    saving for new born child

    hi, my first child was born last week and we'd like to put some cash we got as gifts away for her until she's grown up (kinda like starting a college fund). any ideas - this will be a long term investment, a relatively small amount and looking for good returns in 15-20 years? thanks
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    Gift Vouchers out of Date

    i had €400 in giftvoucher.ie vouchers that had expired by over a year. i contacted them and they renewed them straight away, with only a €10 admin fee. well worth checking out with the shop rather than accepting thy're out of date
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    Dublin City Centre Pubs with a Jukebox?

    eamonn dorans did last time i was there. eddie rocketts if you're really desperate.....
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    stamp duty / CGT

    ok thanks for the feedback, i'd have been surprised if a couple could get FTB grants first, but it was definitely worth checking out! not having to pay cgt is a relief though!!
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    stamp duty / CGT

    hi we're considering relocating to north dublin, probably balbriggan or skerries, over the next 9 months. regarding taxes that are due on a relocation, can someone confirm my understanding: As this is my principal private residence, I won't have any CGT to pay on the gain. I will have...
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    American mortgage

    Hi, I'm planning to move to California in about 3-4 years time (my wife is from there). We have an option of buying a relatives house, and are considering buying in the next year and renting it out until we move over. Any advice on getting a mortgage in the US, even though we'r resident in...
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