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Any idea if house/land is included in the calculation for fair deal where house and land is in spouse's name ?? Are all assets included in calculation whether jointly owned or not, where one spouse is applying for fair deal?

Can I have some please?

Where can I find more info about this low fee prsa product, am in public sector but will not have full pension at 65 due to worksharing, am now 55. Any advice?

I signed it in the bank.

If you let it, then you do tax returns on rental income, are you getting tax relief at source or has this benefit ended, if you are still getting this, then Revenue will stop it, which could trigger an alert to the bank who in turn could up the rate to 'Buy to let' rates.

Download Karl's Mortgage Calculator, there is an option to input multiple % rates, so if you have the paperwork and know when rates changed, this should give you a good idea if the figures tally.

PRSI is a minefield, I don't think there are any options open to me, buying notional service is not an option, it's very expensive and I don't have the option of buying back service as this is only available to people who have time worked which had no pension deductions taken. And this is...

Am 55 years, working in public sector, D rate PRSI, will have approx. 34 years service at 65 years, is it possible to buy A rate PRSI or is there any advantage to doing this? I don't have widows or orphans on my D rate. My projected pension at 65 will be about 19,000. Husband is self employed...

Am late replying to this, but have just closed on a house purchase, the very last thing the solicitor informed me before closing, a credit check would be done on me, I was sent a report as a name similar to mine turned up on the search and I had to sign confirming it was not me.

As far as I am aware, if applying as a solo, then only one name goes on the deeds, if you wanted both, then the application for approval would require all relevant accounts from both parties

UB look for 6 months, will query every little transaction for those 6 months, have just gone through the process, it's fine if every thing is above board, very difficult if there are items you would rather not explain, they will persevere to the bitter end, not good if you are sale agreed on a...

I know and thanks for the help along the way, we would make a great team, I think the RTB should employ us.

I am not supposed to be replying to you but anyway, we will beg to differ on earlier posts. I had read up on the 2004 act and was wondering the same,

Ok, have been on to the live chat with RTB, there is no requirement to register with them if there is no lease in place, which there won't be, regardless of whether he is paying rent or living there rent free, am aware of the gift threshold if rent free, also asked if he might rent a room in the...

Ok, I am going to email as will need written confirmation, will post back here when I get a reply.

They clarified I do not have to register with them, I know I can't claim tax relief if not registered,

I just rang the RTB, if renting to a son, regardless of whether I charge rent or not and if I am not residing in the property, I do not have to register with RTB, I will be emailing this query so I will have it in writing,

Thank you for looking out for a new poster. I'm not replying to that person again!!! I am a very fragile person, quite sensitive really.

On the piece I inserted above, it clearly states you don't have to own the home, you can be a tenant and then sublet with the agreement of the landlord.

Go back to your first post and then tell me you are not confused, Anyway, I've come across this on citizens information site 'For you to qualify for rent-a room relief, your home must be located in the State and you must occupy it as your sole residence during the year of assessment. This means...