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my husband and I are married with three small kids. We both had an aprartment each when we married and are now in the unfortunate position of being 7-8 years away(thinking positively and assuming prices wont go down much more!!) from clearing negative equity, Has anyone any experience where the...

We have never had rent allowance tenants before but for the first time we seem to be in a situation where the only potential tenants are rent allowance tenants. Can anyone advise what is the difference? Do you still get deposit and months rent in advance. This would be very important to us. Who...

why should negative equity property owners be equated with mortgage arrears. That is almost insulting. What determines the persons ability to pay is his salary level and salary security.Or is it implied that if you are in negative equity you are less inclined to pay which is insulting too. Two...

Brendan, I find youre last email condescending. Working Mam already is very clear as to her capacity to pay, the costs etc associated with moving.She seems to be concerned with why the banks are not prepared to allow her to sell and buy in such a way that the net extra cost to them is nil.And I...

for the first time of renting in 6 years I am finding it hard to rent. I have got three calls and all of them rent allowance tenants. I have never had any experience of rent allowance tenants before..... but I have heard horror stories of tenants who dont care because they are not paying, of hse...

What about gold as a place to invest.what are the risks and advantages.Also,any idea how to do this Thanks

Excellent responses Horusd,excellent financial advice coupled with compassion and insight.

Myself and partner have an apartment each,neither bought as investment properties but which are turning into them as negative equity prohibits sale.the negative equity isn't that large about 20000 in each and we are thinking of waiting until the neg equity is gone and then buy our family...

Hi there I have sum of 25k to invest. I went to financial adviser and he recommended BCP double growth bond with 100% capital guaranteed by the BOI as security is paramount. Anyone know anything about this? I would surmise that the investment advisor I went to would get a cut if I went for...

Hi there Dont understand why it is such a bad idea to rent out own property and rent anoother bigger property. There are many many areas where you can still rent out properties within two weeks. Prices have reduced by 30% but if rent substantially covers mortgage then what is the problem.And if...

things are going mad. In process of selling or considering selling a property I am living in at the moment but which is now too small due to expanding family!. I got an offer of less than it cost me to buy a one bed I had bought in 2000. Im sorry , but that is ridiculous. I think demand has...

so now its not the rampant credit and the grasping developers that have caused the inlfationary housebubble but the landlords,maybe in collusion ,maybe altogether in a room with the politicians!!!!! t

its strange you know, there seems to be a spread of prices on daft for my exact property type and location now. A week ago, a landlord reduced the going rental rate for my type of property property down by 150. Hence I guess the sudden request from the tenant to go down the 200. So to be fair I...

it is a crazy situation. At the time when property prices are causing these properties to be in negative equity, there is now the possiblity that landlords could be suffering the added horror of being unable to charge interest against its income. If this happens, then there will be complete...

hi there I know in the latest budget the amount of interest that can be written off against rental income is now only 75%. I was talking to my estate agent today and be commented on the little gem that it is the intention of the government to eliminate this completely over time.I am pretty sure...

thanks paul this tenant is looking for reduction below the current market rent in the area. Might bring it down a hundred to match current prices in area. Still confident that I can rent this place if he goes. Rented it 5 months ago within 2 days so hopefully still very rentable

hi there tenant has asked for a reduction in 200 rent as he has lost his job His wife is still working. This would mean rent now below mortgage. Also this is mid lease? any thoughts. . Not fully convinced he has lost it either , could be just a ploy to get rent reduced. its a one bed apartment...

Hi there Got a job recently in co kildare and want to purchase there. Thing is though, the prices are no where near in line with rental multiples which is one of a strong indicator of the real value of properties or so i have been told. You can rent a four bed detached property in say newbridge...

hi there Am thinking of switching mortgage . Am with the old IIB(KBC now?) and am wondering can anyone advise of bank with best variable rates Thanks

Hi there, I got a job recently close to newbridge in kildare and am hopefully going to be looking for a house in the newbridge area. However, coming from the D15 area some of the prices seem still to be inflated to me. I would have thought as part of the commuter belt that prices would have gone...