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  1. M

    Going rate? Solicitors fee for selling a house.

    How much would you expect a solicitor to charge for a sale and purchase? I just used a solicitor to sell a house only and it came to 9k ...?
  2. M

    Mortgage when moving home

    I live in an apartment and have a fixed mortgage with EBS for the last 10 years and I am thinking of selling and buying a house (moving house), if I can. How does the mortgage end of things work? I read somewhere that you have to pay off the mortgage you currently have and reapply for a brand...
  3. M

    Loan query

    I've been paying my mortgage for 10 years on fixed rate interest (34 year loan). I'm a bit confused about how the loan works. I can see from my statements that when I began making the repayments, the interest portion was larger than the capital portion. This year will be the first year the two...
  4. M

    Rent a room scheme - lodgers

    In the rent a room scheme, the lodger (they are not tenants) has absolutely no rights at all. It is actually an act of good will that the owner (they are not landlords) gives 4 weeks notice to move out etc. I checked this with the Homeowners Association. There is no law to protect lodgers...
  5. M

    Rent a room scheme - lodgers

    First of all, I should have insisted on a proper work reference with the last lodger but I was having problems getting someone so I just accepted the training certificate as proof that he worked there. I later tried to find a HR number but couldn't find one on the website. Secondly, companies...
  6. M

    Rent a room scheme - lodgers

    Yes I have become more strict re. references, am asking for two on headed paper, contact details etc. The alcoholic guy gave me a reference from a previous landlord who said he was wonderful. Then he claimed he had to pay the rent for the lodger as he had no Irish bank account yet he'd been...
  7. M

    Fixed or variable?

    New fixed rate is 3.15%, the variable they're offering me is 3.7%, the fixed I'm currently on is 3.8% I've another €217,000 left to pay. I'm not switching to another bank, too much hassle and no guarantee rates wont go up just the same, then more switching.
  8. M

    Rent a room scheme - lodgers

    Has anyone had experiences similar to mine with lodgers - I'm beginning to feel jinxed. I've had two lodgers renting a room in my apartment. The first one, a female, was a OCD clean freak, she was rude, sulky, constantly giving out and complaining, demanding and I ultimately got rid of her when...
  9. M

    Fixed or variable?

    My EBS fixed 3 year mortgage expires end March - current variable rate seems to be a bit cheaper than new fixed rates (3.7% as opposed to 3.15%). Don't know if it's worth going variable - the difference per month will only be €15 - €20 a month and that's if it never fluctuates which obviously it...
  10. M

    Eviction and rent

    Thanks i was thinking that - I just wanted to check
  11. M

    Eviction and rent

    I rented a room in my apartment to a new lodger under the Rent-a-room scheme. They moved in a week and a half ago and paid me one RENT payment in advance for the month, as is the usual practice (I am not talking about the deposit, that's another story). The other day I told them to move out as...
  12. M

    Apartment block has extra apartment built with no planning permission

    I didn't say we would definitely be asked to vacate the building. There are two illegal apartments in the building which never had planning permission but which the original builder, who owns them, has been renting out for years. The insurance company obviously found out at some point and at...
  13. M

    Apartment block has extra apartment built with no planning permission

    I don't know, all I know is I couldn't get my mortgage without proving that the building was insured. If the building is not insured we will have to notify our lenders and may have to vacate the building. Anyway, the solicitor is sending the occupants of the illegal apartments one more letter...
  14. M

    Apartment block has extra apartment built with no planning permission

    No the council wont put us out on the street, but if the building is not insured we legally cannot stay there.
  15. M

    Apartment block has extra apartment built with no planning permission

    There are actually two apartments involved and both occupied, illegally it would appear. I don't know about the Planning office but they know the apartments shouldn't have been built and shouldn't be occupied. The solicitor is dealing with it.
  16. M

    Apartment block has extra apartment built with no planning permission

    Latest is the insurance runs out at the end of the month and they couldn't get insurance with any company. At the last minute the current insurance company agreed, probably reluctantly, to insure the building for a few more weeks, just until further developments, probably an injunction or...
  17. M

    Rent-a-room lodger problems

    Well I've told her I have a new lodger moving in, so she's not going to enter an apartment and a room where people might be. Secondly I really have nothing that she'd be interested in or could sell, bar a small flat screen TV and sure, they're worthless these days. Thirdly, I'm not afraid of...
  18. M

    Rent-a-room lodger problems

    She's agreed to pay me money now to cover the upcoming bills and I will give her back what she's over paid, before she leaves. In exchange she gets to stay until the original eviction date. I get my rent and her full contribution to the bills plus the money she left me short last month. I wont...
  19. M

    Rent-a-room lodger problems

    She says she will pay what she owes but a) she left me short last month, telling me that she'll only pay up to30% of the electric bill from now on and b) I think she wants to transfer bill money into my account after she moves out. I don't trust her.
  20. M

    Rent-a-room lodger problems

    I wouldn't be able to do it and I've nobody to ask. I priced a job with local locksmith - guts of €200 including keys
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