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It is a bit unusual but then I'm lucky to have a very strong negotiator in the house! We'll keep saving so and see what Brexit does. Thanks for your quick and helpful input.

Same lender. The mortgage offer isn't enough to buy what we want. There is a discretionary type application which doesn't require the 20% deposit so assuming we have enough with the 30k should we continue to save or start increasing the payoff on the loan? Which would be more likely to...

Yes house was sold in 2015 so it is an unsecured mortgage loan over originally 20 years. 17 years left. Don't have interest rate to hand. Will dig it out latet. Credit rating is perfect. Wife is 42 I'm 43 We have an offer of a mortgage for 235,000 but would need a little more. Which would...

Looking for some advice re the following. We sold our house at a loss of 37,000 in 2015. Currently stands at 35,000 over another 17 years. We have savings of 31,000. We are renting and saving approx 500 per month. We would like to buy sometime soon in or around the 300,000 mark. Combined income...

Hi all, Firstly I know I need to talk to an accountant asap but I managed to bamboozle a trainee a/c friend with the following which if anyone can shed some light it would be great! Myself and my wife are PAYE workers and combined income is well into the upper tax bracket. I recently was...

Had a meeting with our bank today and they were very helpful. Discussed situation and the following was the outcome: 1. Their mortgage bank is a 'seperate entity' so would require any loan to be paid in full regardless of how we get the money. There is no carrying of negative equity to a new...

Hi all, Hopefully someone out there can give me some advice re my current predicament. The details are as follows: Currently living in south of the country but want to move back to the Northeast. We own a house with an outstanding mortgage of 285k, recently valued at 260k. Both of us are...

Cheers all, Best thing to do is go along and see what they say.

Sorry about the confusion. When I said I've been working full time I guess I meant every week on average 3 days per week. My basic query is whether I should be signing on for the days that I don't work (which were the days I was in college). A friend had mentioned that as I work 3 days maybe I...

Hi all, I have a complicated question which those of you in the know may be able to shed some light on. I'm 34 and recently finished a degree in June 09. Whilst in college I started full time employment from April 08. Part of the course was continuous work placement which I managed to get as...

Cheers! There was me thinking Ryanair was trying a fast one.

Ryanair cancellations Hi all, I had my flight from Dublin to Cork cancelled today. Went onto the ryanair sent link to fill in the refund forms. When asked to fill in my origin/destination details Cork didn't come up as an option. Any ideas what I should do next?

Hi all, Looking for some advice re: septic tank. My neighbour is considering applying for residential planning on a farm yard shed site next to my house. I'm just curious as to the distance any dwelling would have to be from my septic tank? Is there a minimum or is it based on the type of land...

I have the same question. Old farmhouse with stables converted. Dry lining seems to be stepped away from outside walls as they are irregular. No insulation but the plasterboard is foil backed. Can I fill the void with beads or something similar? Would this cause dampness?

Is it possible to fill the gap between the plasterboard wall and the old, solid, stable wall with beaded insulation or does it require a vapour barrier between the two?

As far as I can remember the flue cost in the region of E40 per metre. I decided to go all the way to the top through paranoia as much as anything else. However in theory it should be easier to clean as a result. With regard to putting a stove in without a chimney there is no problem with...

Great to hear from those in the know. I had a crawl around in the attic and it seems like the old walls of the stable are still the old walls of the stable. The stud walls were thrown up on the inside and the stable walls were plastered on the outside. To look at the rooms you would think it was...

Bought the same oisin stanley in MD o'shea's this time last year. Also bought the flue as part of a package with all the connecting bits which cost over E1000! My builder buddy gave me a dose of abuse and I brought everything back bar the stove! Turns out you can buy all the flues/connectors for...

Hi all, I recently discovered mould in the bedroom wardrobe and on some clothes. Add this to the occasional musty smell and a small bit of mould on the underside of the matress. Took the matress outside into the sun which has solved the problem there. I have a dehumidifier in the room which...