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  1. H

    Should we hold off getting married

    Not much of an investment!!! :p But lovely partner and wonderful dad
  2. H

    Should we hold off getting married

    Thanks for your responses - am realizing I don’t have a clue how tax credits actually work so off to research!
  3. H

    Should we hold off getting married

    No we’re irish - sorry it’s called invalidity pension not invalidity benefit. He doesn’t have a medical card as that is means tested for cohabiting couples I believe and we dont qualify qualify.
  4. H

    Should we hold off getting married

    My partner and I are engaged to be married. We have 2 young children. We own a house together (joint tenancy). My partner has suffered from a chronic illness (but not life limiting) for the last 4 years that has left him unable to work but he does get invalidity benefit if approx 10k per year...
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    KBC KBC fixed rate

    hi there I’ve just made a subject matter access request under GDPR and can now see my original mortgage application My mortgage form has the option: Please tick your choice of interest rate Variable Fixed Tracker I had selected the fixed as it was my first mortgage. Mortgage began Sept 2004...
  6. H

    Capital Loss on sale of apartment

    I bought my apartment in 2004 for 221k. Remortgaged and added 20k or so for refurbishments in 2007. I managed to sell in Nov 15 for 184k so it’s a capital loss of 37k. We took the loss on the chin as we managed to buy a family home at that time in a rising mkt. A couple of people since have...
  7. H

    Refused Illness protection (pension) - has anyone successfully appealed?

    Thanks All, we had made an initial appeal but it was refused. We did get supportive letter from our GP but to no avail. We are thinking of taking legal advice on this, has anyone heard of a second appeal / going the legal route being successful?
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    Refused Illness protection (pension) - has anyone successfully appealed?

    My husband has a chronic, but not life limiting health condition. Following a surgery where we hoped to improve his health, he has been unable to return to work, intermittent chronic fatigue/weakness being one of the awful side effects of the surgery. He would be unable to manage a commute or be...
  9. H

    What if any mortgage would we get?

    Folks, Update on this, we did manicure our finances and went with Ulster Bank. We managed to buy a 3 bed semi in D16 for 400K and sold the flat at a break even cost. Holding onto the flat was too much risk for a single income family. Best of luck to anyone else in the situation, Ulster bank were...
  10. H

    Better to sell Investment Property when taking on new mortgage?

    Thanks Brendan and Trasneoir. Hopefully i can sell and break even and reduce my exposure. What happens if an owner wishes to sell below the amount owed on the mortgage - say 20k below but dont have the cash to make up the shortfall? Do the generally banks allow you to pay off the 20k at the...
  11. H

    Better to sell Investment Property when taking on new mortgage?

    We are in the process of buying a house @ 370K, Mortgage of 285K, 3.1% interest rate over 24 years with UB. I have an apartment in Dublin 2 which I owe 183K on, 4.1 interest rate with KBC (variable), term left 25 years. 100% LTV in today's mkt. I have the apartment on the market and hope to...
  12. H

    Which banks allow you to add negative equity to mortgage

    Thanks joe and brendan for the info/responses
  13. H

    Which banks allow you to add negative equity to mortgage

    Yes the approval is subject to sale of my flat. Interesting the option about the present. Had not thought of that...they will have to pay capital gains on the sale of the house to us though so we'd have to reimburse them for that...
  14. H

    Which banks allow you to add negative equity to mortgage

    We are approved for a mortgage and are trying to sell my flat. The flat is approx 20k in negative equity. I will prob get 160k for it and i owe 180k. The house is a very good price at 320k and we have mortgage approval for 360k. 20%ltv. Its a private sale theough family and is selling at less...
  15. H

    Shankill - corbawn wood or clonasleigh

    Thanks Daenis appreciate your POV
  16. H

    Shankill - corbawn wood or clonasleigh

    We are looking to buy a house in Shankill and have our eye on a couple in Corbawn / Clonasleigh/athgoe. The estates themselves look nice but am concerned about what previous posters have said about rathsallagh / shanganagh cliffs as we will back onto those areas and we will also be in the same...
  17. H

    What if any mortgage would we get?

    Thank you very much for your advice. Will meet with UB and see what they say.
  18. H

    What if any mortgage would we get?

    Couple in early 40s, unmarried, 2 kids. Him: income of 10k per annum invalidity pension (social welfare). Savings of 8k. Cuŕrently on long term sick leave and being a stay at home dad. Hope to return to work (35k p.a) but looking unlikely in short to medium term due to health issues. Her...
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