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Hi all, I am a property owner and have been paying property tax on an annual basis via direct debit since the tax inception. However in October 2023 we moved out as are renovating our home which consists of some demolition work and then an extension build. The project duration and the time we...

Hi all, Here are some brief details about our situation. Donnie: Employed with an annual base salary of €93k Spouse: Full Time home maker/stay at home mother. Tax Status: Jointly assessed for Tax Dependents: 2 children (aged 5 and 3) Other income sources: Monthly child benefit payments for 2...

Hi all, I'm glad someone created a thread on this as I was just about to look into mortgage protection v Life cover. My details are as follows: Joint mortgage (spouse and I) for past 10 years. 25 years remaining on mortgage which is approx €300K remaining on loan Both spouse and I are aged...

Just following on from this, does anyone have any experience of getting a CBI exception in order to get a top up mortgage from existing mortgage lender or from a new lender or lenders? In short we are looking for a loan of €150k to fund a home renovation project, which will dd to the value of...

Thanks RedOnion and I called UB and they confirmed the same

Hi all, I have a 4 year fixed rate mortgage of 2.6% with UB and which is set to expire in April 2022. We have an amount of €308k left on the mortgage and 25 years remaining. The property value is approx €700k so LTV of just over 50%. What I am querying here though more so is that we are...

Hi all, In a 4 year fixed mortgage rate at 2.6% with UB and fixed rate expires in April 2022. Will decide at the time what to do and if a switch of lender is required which it probably will need since UB is exiting the market. Will be looking to see if I can get a top up mortgage in order to...

Thanks for your post. So if you had a choice and from looking at the strategies, would you recommend leaving the investments in the Low and Medium Sivek that I am currently in rather than switching for free into these new SRI funds?

I have a holding of approx €9k in the KBC Sivek Global Low fund and approx €1.5k in the KBC Sivek Global Medium fund. KBC have announced that from 15th March they will offering a new suite of investment funds called the ExpertEase/Sivek funds and which are Socially Responsible Investments...

You essentially need to provide your name, registered address, place of birth, date of birth and all tax residencies and TINs (i.e. anywhere where you are or were a registered tax payer and received a TIN). If you are not a US citizen or US tax resident, then there are no implications for...

Thanks. I was thinking the same but just wanted to ask for any further guidance just in case. I agree I should ideally look to max out my pension AVCs and pay off the mortgage ASAP with any additional cash I have but I will need access to these funds in 18-24 months in order to fund a home...

Hi all, I recently received a lump sum of €20,000 and am wondering if anyone can give any advise on how I can earn the best and relatively low risk return on this cash i.e. a short term savings deposit product, investment fund, shares etc. It is important to that that note that will I need...

Any other t&c. I see that one needs to Also have a deposit of 40% to avail of rate as a FTB or switcher.

Thanks to everyone for their advice so far. One thing I have picked up from the comments, if we are able to use some savings to pay off a small portion the outstanding mortgage (say €10k-€15k) should we do so in order for the outstanding balance to be as close as possible to 3.5 times my...

i forgot to mention that we are both 37 just in case that makes any difference. My wife plans to return to part time work in 2/3 years once kids reach school going age. We hope to save anothe €20k-€30k by the time we look to start the project so am hoping we may only need to borrow between...

agreed but the thought process around this is because I knew I would need ready access to the funds as we were always going to try to complete this extension work. Once we complete this, I will look to increase my AVCs

Hi all, Firstly here is some background info on our situation. Married with 2 kids (aged 4 and 2) Mortgage on our semi detached home has €350k left to pay off and have 25 years left on mortgage. Purchased home in 2011 and did some small internal renovations (approx €45k) House is in a nice...

Its mid Feb now and the variable rate reductions have remained static and very little talk about the proposed Mortgage rate Bill for a number of months now and it may be a dead duck now at this stage. So with that in mind what are peoples view about the variable rate environment in Ireland over...

Hi all. After querying this for a few weeks with Ulster Bank they advised that the updated repayments are correct - see below. Does anyone know if this is correct as I was only expecting the TRS amounts to reduce. This has taken place but at the same time the monthly repayments have increased...

No I rang them and they confirmed rate has not changed. I have UB current account and salary is mandated to account. They are still investigating at their end so hoping I get an answer soon.