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It sounds like the tenants are being considerate by going out into the garden to smoke rather than letting the smell of smoke stink out the house. You should be thankful because it would be a lot worse if they were smoking indoors!

I think that he is joking......by implying that Ireland is now run by Germany so you might as well call it West Germany!

Surely, if they are buying a holiday home, the thing they should consider first is a location where they would like to go on holiday regularly. If they buy a holiday home they would probably feel obliged to go there very often to make best use of it. Therefore it should be in a location that...

Have you thought about suing the property investment consultant for giving you bad advice?

You should notify insurance companies when you change address and not wait for your renewal to come up to do it. For example, if you told your car insurance company that your car is always parked outside your old address then their calculation of the premium will be based on this. If you have an...

Tipping - I admire your sense of responsibility and your ethical conduct in your difficult situation. In recent times it is unusual to come across somebody who is not trying to blame somebody else for their predicament and then trying to find an easy way out.

I don't think too many people would want to share bedrooms with strangers!

I cannot really understand why some people are annoyed at my advice. I was just being pragmatic...if you have to save money you have to look at all options. Pets would not be considered a necessity and in this case they are costing money which the OP cannot really afford. If you think that...

One thing that I really don't quiet follow is that you say that you can service a mortgage of €300,000, so why did you borrow €400,000? How were you expecting to repay the extra €100,000?

You seem to be spending a lot of money on animals. Do you really need to do this? It seems to me that if you get these animals put down you could save a lot of money.

Leave as little as possible and try to confine the items that you leave to large bulky items of furniture. The only electrical items that you should leave are a washing machine and fridge. I would never leave a TV or any small appliances because if they break down the tenant will expect you to...

I am sorry to hear about your problems. I hope you are able to recover some of it from the insurance company. However, I would like to point out that you should never any electrical items, with the exception of a washing machine and a fridge, in a rented property. This is because if they are...

You are being very optimistic if you expect a gain on a holiday home, especially in basket case property markets like Ireland, Spain or Bulgaria! Where do you plan on buying one?

You could have a good party with that and invite us all!

Check your mortgage terms and conditions. They are likely to say that you are obliged to tell the bank if the status of the property changes from owner occupied property to a rented out property. They will then change the mortgage to an investment mortgage. I have recently heard of a landlord...

If you are going to rent out your home and move to another property you will need to tell your the mortgage provider of the old property that you are going to rent it out. The bank will then ask you to change your mortgage to a BTL mortgage.

I am sorry to hear about your trouble. It sounds like your landlord is being totally unreasonable and trying to bully you into parting with cash for unjustifiable reasons. €5,000 for repainting the house is completely taking the p**s! €500 would probably be more appropriate and anyhow, it...

You should have used your own independent solicitor. Whose side do you expect the solicitor chosen by the proerty agent and developer to be on? It certainly won't be yours!

It is certainly a valid way to loose money...which appears to be your ultimate goal!