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    Mortgage Holiday awarded now told Im in arrears

    An agreed Moratorium (payment holiday) will appear with the M code on the ICB for those particular months... Therefore when other Lenders run an ICB on your behalf they will note that there was a payment holiday agreed and enquire further as to the circumstances why It will depend on that...
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    How bad is it to be three days late with mortgage payment

    Definition of arrears depends on the Lender, but for standardisations sake it is usually 1 full payment >30days in arrears. Couple of issues arise depending on the payment date and the Lenders systems. For example if your payment date is due on the 28th of the month and the lender reports to...
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    Mortgage Approval at ECB+1.1% - bank wants to raise to ECB+1.35%

    Re: Mortgage Approval at 1.1% - bank wants to raise to 1.35% IIB, Bank of Ireland, EBS, First Active all do affordable housing as well. BoI are expected to announce new rate changes later today.
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    Can TSP (or First Active) change your tracker rate?

    ptsb clause has been there since early 2007..... All lenders (i believe) would have similar clauses hidden away in their general conditions. However ptsb had theirs blatantly in the Special Conditions
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    Can TSP (or First Active) change your tracker rate?

    IIB have recently (within the last 60 days) included the following in their loan offers: In determining the interestrate applicable to this loan facility, the Lender retains the right at it's sole discretion to substitute one month EURIBOR (as determined by the Lender on the first business day...
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    www.Rent2own.ie - what do you think?

    Have you seen this scheme that a developer is selling down in Cork.... Seemingly a lot more transparent - assuming the marketvalue of the properties is a true reflection.
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    mortage moving

    Who is the original bank? I have heard of some Lenders waiving the 5 year clawback under certain circumstances.....
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    Finding REAL price of houses

    www.propertyweek.ie Is the site that records list prices for property profesionals, so it shows what a property was listed at - doesn't record the 'sold' price however
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    Unclaimed Mortgage TRS?

    call the Revenue on - 1890 463 626 they will send out the appropriate forms to claim the backdated tax. the current TRS form is only valid effectively for this year and by completing it it will only allow the Lender to address the tax relief in the current tax year.
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    Mortgage rate deals?

    how big is your mortgage?
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    paying a mortgage by credit card?

    i may be wrong - but i don't believe any lenders would allow you to pay the mortgage by credit card as should the mortgage default for any reason and the lender had to repossess the house - if the judge found out the lender was allowing you to service a mortgage via a credit card - it would be...
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    Best 2,3 yr fixed rate on the market?

    3 year fixed - Bank of Scotland/Halifax - 4.89% 2 year fixed - Bank of Ireland/ICS - 4.89%
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    Mortgage and loans?

    Its not the size of the loan that matters it is the monthly repayment. If the car loan is €250pm - that means you have €250pm less to contribute to your mortgage and therefore your borrowing potential is reduced. If you are looking to stretch your borrowing potential - then any other...
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    Unauthorized Direct Debit

    Couple of things- If you are looking to switch your mortgage - you should not have to supply your mortgage statement to any new lender as your current mortgage with Start will be on the ICB. As the ICB shows no late payment - the mortgage statement will have no relevance. Start also don't...
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    1st months mortgage - Is it x 2

    Just to note that the majority of non-conforming (subprime) Lenders all charge their Monthly Payments in advance - not arrears like the Prime Lenders. There is only one Specialist Lender that charges the client monthly in arrears like a Prime Lender - all others are in advance eg - Payment...
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    Using Land As Collateral

    Just to clarify - are you actually going to build on the land itself? or are you offering the land as additional collateral for another project.
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    Mortgage - don't have permanent job?

    The same liquidity difficulties that have caused the subprime lenders to increase their rates will also potentially cause Irish prime Lenders to withdraw their low margin tracker products from the market or to reprice them (as has happened in the UK) [broken link removed] to change a quote...
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    Help!!Bank wont release mortgage check because of block policy!!!

    What lender are you dealing with? Are you dealing directly with the Lender yourself? Have you relayed what the IIF said to you back to the Lender?
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    Tracker mortgages to avoid consequences of banking 'crisis'?

    The banks fund their loans from the Interbank market, and the 3month Euribor is currently at 4.75%. The cost of funds for the Lender is not the ECB rate.... Also on my (possibly mistaken) recollection of the various lenders Loan offers - they all have a get out clause with regard to...
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    Tracker mortgages to avoid consequences of banking 'crisis'?

    Fixed rates on offer should come down because of the current market conditions
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