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  1. C

    Mortgage rate 'war'

    I asked about the cash back offers ending 31/12/2018 but I've gotten no replies. I dunno are they ending the cashbacks.
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    ROS is starting to creak

    Human nature auld stock. Always leave it to the last minute.
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    ROS is starting to creak

    Because its the deadline and a lot of people are trying to access the system at the same time. This can cause websites to crash or in this case data portals to crash.
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    Landlord Costs To Bring Property Back To Rentable/Sale Condition

    1 month is totally insufficient. I too have good long term tenants but spend a couple of thousand each year doing improvements to the house. This helps reduce tax bill and maintains the selling value of the house. If and when the current tenants leave, it will be three months rent as a deposit...
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    Interest rates advice

    EBS and KBC have no minimum requirements to be with yr current lender.
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    Moving son into rental property-gifting rent

    By gifting them 3 k each from each of you there is no tax liability. But are you not technically still receiving rent of 12000 a year and liable to income tax, prsi and USC on all that???
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    Forced landlord, not doing what I should be

    If Revenue audit you, and you cannot provide receipts for capital purchases, wear and tear, repairs etc..........how are you going to explain that away? For capital purchases you offset 12.5% over 8 years. For repairs etc you offset them the year in question, but u do need to show receipts and...
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    Forced landlord, not doing what I should be

    Those figures don't stack up. Regardless, you have bigger worries with the tax man. I hope you resolve yr debts with them amicably.
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    Forced landlord, not doing what I should be

    No that's wrong. Are u repaying 244 euro a month in capital repayments??? Yr mortgage must be small.
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    Which one to sell ?

    Brendan can you explain about this pension contributions. What are the advantages abs how does he get the money out with he turns 65? Tax free lump sum???
  11. C

    Forced landlord, not doing what I should be

    Not wanting to scare you but you are in trouble and need to sort this immediately. Its only going to get worse. You haven't registered as a landlord, first mistake. This means you cannot wrote off any costs against income. Secondly, you continued to claim mortgage interest relief even though...
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    BOI possible switch

    Christ man, how many threads have you posted this in???? I've opened three threads and you have copied and pasted this in each of them.
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    PTSB & their hidden new rule for switchers!

    They require you to be with existing lender for 24 months. That's why you were refused. BOI require you with your current lender 12 months. EBS have no such requirement neither do KBC. Ulster bank is 6 months requirement.
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    Moving son into rental property-gifting rent

    If u give a couple 3000 each and my wife does likewise. That's 12000. And instead if charging them 1000 a month in rent, we in theory gift them the 1000. Is there a tax liability for me or the couple? I don't want to know peoples personal opinions, just rather the answer.
  15. C

    Landlords can deduct 100% of interest paid for tax purposes

    Making rental income liable for prsi and USC meant landlords were required to increase rent by 21.7% just to maintain after tax income. If the government removes this then as a landlord I will gladly reduced my rent by 21.7%. Have we a deal???
  16. C

    €110m increase in overseas aid

    This post will be deleted if not edited immediately almighty. Take that 841 million and sort out our own house first.
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    Landlords can deduct 100% of interest paid for tax purposes

    I think it'll actually mean just 200 euro to the landlord. It was meant to be 90% in 2019 but its 100% now. So interest of €4000 was to have 90% relief, that is €3600. Tax at say 50%, means tax bill of €1800. Now, interest of €4000 has 100% relief, that is €4000. Tax at say 50%, means €400...
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    Income tax changes

    I can't understand why the dole isn't being cut. We are nearing full employment and there's probably 100,000 people who simply refuse to work. I'd rather give carers, the disabled etc an increase of 20 euro a week and fund it by cutting the jobseeker. Social welfare is about helping those...
  19. C

    €110m increase in overseas aid

    How much are we spending in overseas aid??? Christ we can't look after our own never mind the rest of the world.
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