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Thanks for the information. Brendan. Yes. Piece on the radio recently stating that people with a second home would be harder hit if going down the fair deal scheme route.

Hi all. My parents own their family home (400k) and also another rental property (300k) which they receive a rental income from. They have spoken about transfering their own home into our(children's) names but weren't sure about the rental property. Problem being tax implications of the...

Hi. Only seeing your replies now. I just recently found out that the pyrite board are now beginning to look at post 2013 once the buyer can prove that they didn't know the house they bought had pyrite. Helen McEntee has pushed this for the last year or more for us and without her I think we...

hi I have a category 2 scoring in a visual inspection carried out. Other houses in my estate have had a core text done and came back positive.

Hi. Did anyone have to accept exclusions from the home insurance provider based on having pyrite. My home insurance policy is up for renewal and I informed the insurance company and they will provide cover at the same cost but will exclude insuring me against subsidance. Is this normal practise?

Hi All, I bought a house in 2014 which was built in 2006 but didn't I know had pyrite. At the time I got credited surveyor to survey the house and he didn't see any signs of pyrite. The bank also sent an experienced local valuer in the area he didn't see anything amiss. In 2016, I got told...

Thanks Peemac, I do remember asking my broker for a tracker and he told me that the rate option was the only one being offered by the bank. The reason how I know this 10 odd years on is that my mother, who was on a tracker rate at the time was hounding me to get one thus I remember asking...

Red Onion Yes was a self build. Do you have any specific knowledge or know of similar instances. Thanks Sean

No wasn't them. EBS -Haven mortgages. No I had to pay legal fees and i had savings. I was building a house at the time. I am just amazed that I wasn't offered options.

Yes exactly 1 year after drawdown of funds I would revert to prevailing variable rate. There was no other options.

Maybe.. I have nothing to indicate that though.

Maybe I don't have a case but when I explained the above to the bank they said they'd investigate. I thought the bank would have been obliged to offer all options not just one.

Because when I was applying for and drawing down a mortgage I wasn't offered any interest rate options or tracker options.

Hi All, Would it have been very very unusual not to be offered any interest rate options at all on a mortgage let alone a tracker. I went through a broker to apply for the mortgage when trackers were still an option but being phased out. (at the time I was young and was just happy to get a...

Hi Balfour My loan Offer doc states that I would be automatically put on variable after the Intial one year fixed rate had expired. No mention of anything other than this. But presumably I would have been sent a document prior to loan offer which would have required me to pick which rate I...

Thanks bungaro That's my argument I suppose. Why wasnt I offered a tracker whe they were still being offered by the bank .why was I discriminated against ie not giving the option? There has been various articles written in the press lately saying that cases like mine may have any been dealt...

@bungaro No at the moment I have documents to say that after the one year fixed I would revert to variable rate but that's the point. In the lead up to loan offer and cheque drown down I wasn't offered anything but this I was told by the broker that A tracker wasnt available. My mother at the...

Hi Brendan. What is your basis for saying that these exmaples are not entitled to a tracker? Are you aware of any particular case were a person has be successfully put onto a tracket in this scenerio? Bit in the dark as to my situation. Few friends in several banks saying that the banks are...

Hi can you add me too. I got a mortgage through a broker in 2008 from an aib subsidery . In the last couple of days i made contact myself to the bank. I explained my situation that I got a mortgage in 2008 and went fixed for 1 year but was not offered any othet option other than prevailing...