Search results

  1. M

    How to fund a self-build

    Worst case you may need to sell, rent and build. Hopefully not into a caravan a.la Grand Designs!! But look for rental property nearby the build or possibly a high end log cabin you could use for an office afterwards on site would work out?
  2. M

    Sorting out funding for Self build

    Work out your budget, add contingency (usually 10%) and then where your mortgage deposit comes from? Do you own the land, or will you be using cash as the deposit for the mortgage and work out you Loan to Value. You'll need a bank valuation for the proposed property so they can estimate how much...
  3. M

    Air-to-Air heat pumps in Ireland

    You just need to run power to the outdoor compressor. It feeds power to the indoor cassettes. The other thing you'll need is a condensate drain for each cassette - this can be a pumped unit if there isn't a nearby drain available which allows for indirect drainage but you'll hear that noise from...
  4. M

    Heating water in summer months

    For 3-4 months during every summer I do a scheduled immersion heat up using a MyEnergi Eddi and then during the day if there's any excess solar this also gets dumped into the hot tank before being exported. I turn off the Gas Boiler during this time. My Gas boiler stopped working today so I...
  5. M

    Classify as first time buyer ?

    He could declare himself bankrupt & wait 3 years, or get married & then get a divorce and then become a first time buyer again under new rules can't he?
  6. M

    bi-directional EV charger

    V2L is more common - V2G is only in trial really at this stage. The Ford F150 lightning was used to power a car showroom in California during the recent storms but over in Ireland, it's rare to see these coupled together - it makes sense to the consumer, just not to the car manufacturers, yet...
  7. M

    Thinking of getting rid of oil and installing electric heaters

    Check out "EV Puzzle" youtube channel, he's ran a winter test using electric heaters and not using oil for a month to see how he fared. https://youtu.be/zd4GGyCyC7Y He has gone air to air more recently, you can check out those videos too.... An air to air heat pump might be still worth...
  8. M

    Trading up/ moving to another home query.

    If you wait until January you come under the new BOI rules so that may help you attain a larger mortgage 4x salary 10% deposit etc. Any move to a new house will entail a new mortgage / bank contract as far as I'm aware. You will be a buyer but in a chain with the seller and whoever they are...
  9. M

    Early Termination Penalties

    I switched last year to Electric Ireland the day after I'd switched the last year (went by the email the new provider sent to me when I'd signed up with them. Turned out it takes 2-3 days for the transfer to go through and I had a battle with the old provider to avoid penalties. I'd advise to...
  10. M

    One Stop Shops for Retrofitting - are they in Stop Mode?

    Knauf Earthwool 100mm Roll covers nearly 14 sq meters, €46 a roll incl. VAT so about 7+ Rolls = 300-350?
  11. M

    Alternative to a gas boiler

    There a guy with a YouTube channel called "The EV Puzzle" who experimented with direct oil fired electric heaters in each room on smart plugs (can schedule / control with a phone app) and looking into Infrared panels. He has an oil fired central heating system. Worth a look. Title: Electric vs...
  12. M

    Minimum time switching from self build to fixed rate mortgage with different bank

    There are only a few banks going to be left in the market next year providing self build mortgages. If I wanted to use 1 bank for the build and at the end of the build switch to a different bank offering a better fixed rate, rather than staying with that bank and moving from variable to fixed...
  13. M

    Mortgage Application - PAYE vs ROS - rent a room income tax documentation

    So they need an acknowledged Form 12 from Revenue and a P21. They dropped the requirement for a screencap of the payments and charges screen. Form 12 is a 20 page doc for self assessment. Made a complaint, it's outsourced so despite understanding there is nothing they could do bar reiterate the...
  14. M

    Mortgage Application - PAYE vs ROS - rent a room income tax documentation

    Nope, bank are being dopes. Am getting a letter from Revenue to state they have received my 2020 tax return and there are no outstanding tax obligations. No idea if that will work. Can write a complaint but they'll just laugh at it.....
  15. M

    Mortgage Application - PAYE vs ROS - rent a room income tax documentation

    That's what's confusing me - I'm well under the threshold but the risk assessor wants to be confident I've no outstanding tax obligation to Revenue before they will proceed further with my application. I've applied / switched mortgages 5 times over the last few years and while never dealt with...
  16. M

    Mortgage Application - PAYE vs ROS - rent a room income tax documentation

    I've been trying to get mortgage approval over the last month with one of the major Irish Banks. After supplying and resupplying miriads of documentation I'm stuck on the following. They queried rent a room income and want the following: A copy of your most recent Form 11 or Form 12, eTax...
  17. M

    Air to Air Heat Pumps

    If it's vented, yes legionella is a risk It it's unvented my understanding is no air can get into system so no risk of legionella Interestingly as the thread is about Air to Air, Kore had a recent Daikan seminar online (youtube has a copy) and air to air systems can't heat water, air to water...
  18. M

    Electricity Bills sky high

    Find an energy monitor you can fit that gives you realtime and granular historical readings. Start isolating when the Heat Pump is active and Immersion if used, Electric Showers, Electric Cooking and the largest loads. Find out the idle load and defrost load of your heat pump vs when it is...
  19. M

    Opinion of Compliance

    I'm hoping to build a house next year but can't afford a builder led project. I'm looking at direct labour as the most likely affordable route. That brings me head to head with the bank. The costings template states I'll need a certificate of compliance. While I hope to have an Architect...
  20. M

    Immersion Switch

    You can also replace the switch with a one hour boost button so you can run it ad-hoc or as previous poster said on a set time schedule......
Back
Top