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  1. K

    Key Post Switch or re-fix my mortgage? Breakage fee calculator and savings estimates for your case (Ireland)

    @Paul F Figures correct, 31 or 32 years remaining. No Payment break, originally just took mortgage out over 35 years.
  2. K

    Key Post Switch or re-fix my mortgage? Breakage fee calculator and savings estimates for your case (Ireland)

    For Info, received a €0 break fee from Ulster Bank. Remaining with UB and going for a further 5 year fixed at 2.45%. Mortgage details provided below for reference: Current lender - Ulster Bank Outstanding mortgage balance (how much you still owe) - 240K Approximate value of your property - 350K...
  3. K

    Warning Notice - Planning Enforcement

    Sorry, for clarity, engineer’s opinion that what is built is as per plans based on dimensions from what be be finished floor level to top of wall. I’m building extension without assigned certification (commencement notice without documentation) so engineer won’t be signing off. I have just got...
  4. K

    Warning Notice - Planning Enforcement

    Aggrieved neighbour has complained to Council stating that the extension built is higher than the dimensions granted in the planning permission. Currently only the blockwork is complete. Both Engineer and I believe that the blockwork is built to planning dimensions. Enforcement Officer...
  5. K

    Mortgage Application - Calculating Loan to Income

    Thanks Dave, very much appreciate the response
  6. K

    Bidding on Property

    As far as I know with the Bidx1 online auctions, you cant bid under the guide price. When the auction goes live, Bidx1 have a minimum price set and you can only bid that minimum or higher. If no bids are received, you can contact Bidx1 directly, and offer them XX euro, which they may bring to...
  7. K

    Mortgage Application - Calculating Loan to Income

    Hi all, I'm currently in the process of applying for a mortgage and wondering how the income I receive from a rental property is considered by the banks with regard to calculating Loan to Income (i.e. 3.5 times the applicants income)? My query is as follows: 1) Do the banks take into account...
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