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Hi all We are currently selling a house we bought in 2013 after nppr had ended. Our solicitor has come back to say there is no certificate of exemption for nppr for the previous owners and we may be liable to pay 7k! I'm sorry what. Firstly how were we able to buy the house without this? Also...

Ok long story short. I have recently been bidding on a house. At present we are the only interested party and this house has been on the market for a while. Initially it was too expensive and was reduced about a month ago. The vendors don't seem to be in any rush, the EA was a bit vague when...

Just wondering what percentage of bonus is included for mrtg application? Bonus has been roughly 15k for about 10 years but obv on the salary cert its ticked as irregular as its not necessarily "guaranteed". Applying to Ulster Bank primarily.

Hi there I am looking to sell my rental property. It was my PPR from 2007 to 2013. I paid 381 for it in 2007 and will probably sell it for around 325k. I have it rented with an EA since 2013 and all above board, tax return every year, registered with the prtb. I will be giving the tenants...

Myself and my husband are looking to trade up. We have circa 200k equity in our current house which will cover 20% deposit for new house (with some left over). We have consistently been saving but used a chunk of money to pay off a car loan and remedial work needed to the house. Over the past...

Hi there I am coming to an end of a fixed rate of 3.7% with ulster bank. The best options open to me are SVR @3% or 4 year fixed at 2.6%. It is highly likely that we will move in 18 months to 2 years so I don't think the fixed option is viable as there may be a large breakage fee. However...

Hi all We are looking to move in the next year or so, continuing saving etc, I wonder if you might have an idea how much we are likely to get approval for based on the following: Husband 36: 112k plus annual bonus of circa 15k before tax Wife 37: 26k (part time at the moment) 3 children...

Advice please - what would you do? Myself and my husband have a house thats rented out, we bought it in 07 and lived there until May 2013. We moved house and couldnt sell due to massive neg eq at the time. Its registered with prtb, taxes paid, all up to date etc etc. Bought for 381 in 2007...

Hi all, wondering if you can help as I am a bit confused by all this carry on. So I have my property rented for 1200pm. Other houses in the estate are renting for 1800 pm now. My tenants haven't had an increase in 2 years so I am now giving them their 90 day notice of the 4% increase. That's...

Wife basic: 32000 Wife ot/bonus: 1500 Husband basic: 107000 Husband bonus: 13000 Both in permanent jobs with the same companies for years. We are currently saving circa 2k per month. One property rented out. All above board taxes paid etc. In about 10k negative equity. One PPR with...

Hi there Myself and husband currently have two properties. One is rented and just about covers itself. Our tax bill for this year was in the region of 3800. It will be a long time before it "makes" us any money. We are looking to move from our current home in next two years. Our joint income...

Hi there Just wondering if there is a minimum you need to be earning to qualify for a mortgage? Say for example my husband earns 80k and I earn 24k part time,would my wage be taken into account or is it too low? TIA

A friend of mine is applying for a mortgage through a broker. The broker told him that if he borrows over 400k that all banks require a 20% deposit. Can anyone confirm if this is correct - that all banks require this??

Hi there, I have a limestone fireplace with a black granite back panel/hearth and electric fire insert. I would like to retain the fireplace surround but replace the granite or have it segmented so that I can have an open fire (it was originally an open fire). Would anyone have any...

Just wondering if anyone has any info about this estate? Is it ok, settled, any anti social behaviour? Any info appreciated!

Looking at this particular estate and just wondering if anyone has any information, good, bad or indifferent! Any info appreciated :)

Hi there, Just looking for general information on the estate. Is it safe/quiet etc? Is the build quality of the houses good? Are there many young children? (have a child myself so would like them to have pals in the estate) If you have children in junior school where do they go...

Hi there, I have a tracker mortgage on my home which I may be renting out in the next year. I was originally on a fixed rate when I took out the mortgage in 2006 and when I came off this went straight on to a tracker. There is actually nothing in the mortgage documentation that I can see to...

Hi there, Can someone tell me (or perhaps point me in the right direction of posts where this is already covered) the different expenses and payments that I will incur becoming a landlord. This may be a reality for me in the next year. My current mortgage is 1100 and the property will rent...

Hi there, I am looking for some advice as I am totally clueless on this matter. I am looking at the prospect of renting out my current property and buying a new one. I am still receiving trs on my current residence and understand that I will lose this when it becomes a rental property. I am...