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  1. M

    Query re Passport Requirements - Austrian holiday

    Thanks everyone for the replies. I got through to DFA instantly this morning. I was told over the phone to check online for the country of our destination, which wasn't very satisfactory frankly (he said that some countries such as Germany require 6 months - which I don't think is true!) ... I...
  2. M

    Query re Passport Requirements - Austrian holiday

    Hi all, Hope someone can help put our minds at ease please ... We are travelling to Austria in January, and while reading the small print in the booking email from the Travel Company we see: "IMPORTANT INFORMATION BEFORE YOU GO PASSPORT You'll need a valid passport to travel with TUI. It'll...
  3. M

    Allowable deductions against capital gains/loss

    Hi! In a similar situation to OP. I have the following invoice from the builder for "extra" stuff I got him to do on top of what was included in the purchase price. This was 20 years ago, and the house was sold this year. Timber Flooring: 2,600.00 Tiles: 1,057.00 Extra...
  4. M

    CGT relief for anyone who owns 5%

    What does it mean? [Edit: business-related, ok, never mind ...] No change to CGT rate then?
  5. M

    Prize Bonds are looking attractive alternatives to deposits

    According to the nsandi.com website: "Bonds can only be purchased online or by phone using a personal debit card issued by a UK bank or building society." Duke, have you purchased bonds since you opened your account? If so, how did you purchase them? Thanks.
  6. M

    Mortgage on our home to renovate another house

    For our PPR mortgage, we switched to KBC and topped up. KBC would allow up to a 20K top-up with no questions asked, i.e. no requirement for quotes for the work. As 3 months passed between AIP and drawdown, we ended up drawing down 24K above what we paid off on our previous mortgage and KBC never...
  7. M

    Equity Release to fund Children's Third Level Education?

    I don't think you can claim mortgage interest relief on a re-mortgage of a BTL. I didn't pay off my BTL mortgage early, it went full term.
  8. M

    Equity Release to fund Children's Third Level Education?

    Thanks for the tip. I see their minimum loan size is 40K, which is a bit restrictive, but definitely worth considering.
  9. M

    Equity Release to fund Children's Third Level Education?

    Just a quick update: Both Ulster Bank and BoI have refused a re-mortgage of my rental property. UB said they don't do Equity Release mortgages for that purpose. BoI do allow it (see here), but rejected me up front based on my abillity to repay :rolleyes: ... God I hate BoI ..... Considering a...
  10. M

    Equity Release to fund Children's Third Level Education?

    Thanks again. We worked hard to hold on to the rental property until that mortgage was paid off, in order to have a college fund when the time came around. One good thing about having the equity tied up in the second property all those years was that we couldn't get at it (liquidate it) whenever...
  11. M

    Equity Release to fund Children's Third Level Education?

    Hi David, Thanks for your reply. How much is left on your own PPR? @ what rate? 110K @ 3.6% SVR (I know, I know ... in the process of switching!) What Age are you? 50 How much do you and your partner earn? 120K What is the rental property worth? 160K How much rental income do you get for...
  12. M

    Equity Release to fund Children's Third Level Education?

    Hi! We have a rental property for which the mortgage is paid off. We have a current mortgage on our PPR. Can we re-mortgage some of the equity of the rental property for a college fund? Rather than sell up outright, we would rather release the equity in part as needed, as such ... I can't find...
  13. M

    EBS rate cut coming?

    Who, AIB or EBS?
  14. M

    Flying to Italy via London

    Lots of good tips, much appreciated. While you're there :-) ... Anybody got any recommendations for family accommodation in Venice, for one or two nights, with no car? Should we really try to get somewhere in the historic city part (the "island") ... or would you get by staying over on the...
  15. M

    Flying to Italy via London

    Wow, what a cracking tip! Thanks a million @RedOnion ... that's actually a great value option. 2h 50m turnaround time in Charleroi ... should be plenty? Thanks again for the heads-up :)
  16. M

    Flying to Italy via London

    Thanks for all the advice folks, I really appreciate it. Interesting to see a range of opinions :-) ... At the moment, I think my best option is working out as: Direct outward with Ryanair to Venice Treviso; Back to LGW from Venice Marco Polo with EasyJet and then onward to Dublin with...
  17. M

    Flying to Italy via London

    Hi! Not a very clear thread title I know, sorry .... Here's the thing. I've been pulling my hair out trying to find some value to fly the family to Lake Garda this summer. Ideally we'd fly to Verona, but as Aer Lingus have a monopoly on Dublin-Verona, the fares are just too high for me. There...
  18. M

    Mortgage Interest Relief to be tapered from Jan 2018?

    May I ask a question about this MIR extension please? I took out my original loan in 2005, and in 2017 I'll be switching. The remaining balance is 130K but when I switch I will "top up" to a new loan of 150K. As far as I'm aware I can continue to claim MIR on the switched loan til 2020, but...
  19. M

    Cashback offer latest deadlines - anyone?

    Hi, The only recently updated deadline I could find on a lender's website was EBS (31st Dec 2017). I know they all extend them, but as pointed out in another thread, they won't last forever. Just wondering if anyone has the latest official deadline for other lenders ... Thanks.
  20. M

    Switched mortgage from BOI to AIB in about 5 working weeks

    Hi Galego, Thanks for that. I'm convinced. Gonna start the process over the weekend of switching between the same two lenders. There, I've announced it on AAM, so I'll have to carry through. Aiming to have it completed by end of Feb. One question: did you have to move all your banking to AIB...
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