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  1. M

    Options for switching Mortgage?

    Hi, is there many incentives out there for switching mortgages from any of the providers? balance remaining: 180k Interest rate: 3.55% term remaining: 17yrs this June. LTV: ~60% anything out there that might help with the above? thanks in advance M.
  2. M

    Key Post In the light of the recent rate cuts, should I fix my mortgage rate?

    Mortgage: AIB Current rate: 4.05% LTV: Variable > 50%< =80% I am really tempted by the new 2yr fixed rate and would love your input. Currently on 4.05% new rate (reduced from 4.29%) and the current offer for a 2yr fixed is 3.80% I was actually tempted by their 5yr fixed (3.90%) but reading...
  3. M

    Current Outlay Costs (Conveyance)

    Some other costs to factor in (exc prof. fee) Selling: Taking up title deeds from your bank c.€75. If you are selling an apartment it will be necessary to get certain information from the management company. They charge in the region of €246.00 incl. VAT for that. discharge of...
  4. M

    Sale Agreed 4 months but now all looks in jepoardy.

    Hi, It seems the worst that could happen this deal has just come true. We went sale agreed on a property 4 months ago. Sold our own place pre Christmas after agreeing a contract date from vendor for the move to happen at the end of Feb.(they needed extra time- we had no problem with this) and...
  5. M

    Buying a house with no pp on extension

    Thanks Shoestring. Yea I am talking with my solicitor on Monday about my options. We really like the house and the current situation we find ourselves in really puts me under pressure to get this sorted. I will tell the vendor to get it sorted (retention) but may in the end just go ahead with...
  6. M

    Buying a house with no pp on extension

    Hasty, I find myself in a very similar situation to yourself (as per your post) in that I have signed contracts on a house, only to find that there is a problem with the planning permission, and I am wondering how you got on. The house in question has a side extension which did have planning...
  7. M

    Standard solicitor documents for completed Planning permissions.

    Guys, Anyone know what the standard documents a solicitor may request from a vendor if there has been say an extension to a property completed under the proper planning permissions. Would an architect have to say that the extension is within the planning permission granted before the sale...
  8. M

    Breaking contracts- what happens ?

    yea I have seen similar clause but what happens if one of the party just doesn't want to proceed. does the seller get to keep the deposit if the buyer pulls out? does the buyer still get to move into the house if the seller tries and pull out?
  9. M

    Breaking contracts- what happens ?

    Always wanted to know what the position is if either buyer or seller pull out of a contract that has been signed for the sale/purchase of a house. anyone?
  10. M

    Home Is it possible to to take out buildings insurance on a house which you don't own?

    I am currently going through this as I have signed contracts on a house I wont get into until end of Jan'13. Solicitor recommended I get cover on the house as I have a contractual interest in then property. FBD are are going to call me tomorrow with my options- i will let you know.
  11. M

    Bidding on House - asked to match highest offer?

    Could it be something as simple as that the seller wants a quick sale and doesn't want to be messed around. What I mean is that the winning bidder is in the best position to close as quickly as possible, and not be reliant on mortgage approval etc. which can take a very loooong time in the...
  12. M

    Bank of Scotland looking to sell mortgage loan book

    In a move that could see those on mortgages with Bank of Scotland get a discount on the amounts owed. More info here; http://www.independent.ie/business/personal-finance/property-mortgages/fresh-hope-of-deal-for-those-struggling-on-100pc-mortgages-3302196.html
  13. M

    Stamp Duty -Upcoming Budget.

    Thanks for the excellent replies. Solicitor reckons that if we can get the contracts signed in the next couple of weeks then usually its the contract date that revenue go by when deciding stamp duty rate. no guarantees but.
  14. M

    Stamp Duty -Upcoming Budget.

    Guys its a bit of a crystal ball question which I hope is allowed, but it may be something that one of you may have an input in. I have laid a deposit on a house and contracts should be signed this week. There is one caveat and that is the seller needs some time, and have asked for a closing...
  15. M

    Getting a second mortgage and keeping existing home as investment property

    I now have mortgage approval from two banks. The original plan was to sell our existing property which is currently on a tracker (.8+ECB) and buy another by getting out a 20yr mortgage and using our savings to make up any difference to keep the mortgage amount and term low. Our current...
  16. M

    Getting a second mortgage and keeping existing home as investment property

    Fair enough but what would my second mortgage be an investor mortgage ?
  17. M

    Getting a second mortgage and keeping existing home as investment property

    How are you guys renting out your existing properties and holding onto trackers ?
  18. M

    how many offers are sensible

    If you want the property and can afford the asking then bid for it . Trust me I just missed out on the ideal family home by trying to be smart and procrastinating .
  19. M

    Sell up now and wait for desirable property ? -Risks ?

    Hi, We missed out on a property that was ideal for us (outbid) . Now after getting over the disappointment we have to turn our attentions back to the offer we have on our current property. We have an offer which is kinda OK and acceptable for our home and we have been told that we can move...
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