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Hello looking for some advice please. Married couple 16 years into a 30 year mortgage term with PTSB 156,400 mortgage taken out in 2002 balance remaining about 90k House is worth around 320k Have a tracker 1.68 above ecb Looking to move Increased mortgage required maybe 100k PTSB offering me...

The way it works is you have two mortgages - your original one at the tracker rate plus an additional 1% for the remaining term (15 years) Plus a a new mortgage at standard variable rate for the additional funds borrowed over 20 years. My question was - is it a cheaper approach than getting an...

So here is my situation 15 years into a 30 year mortgage term with PTSB Initial mortgage borrowing was €156,400 Current remaining balance is around €97k Have tracker rate of 1.68% above ECB rate Should roughly have 50% deposit to pay for new property Looking to move and increase mortgage to...

Actually it was in the downstairs single story extension on the north east side

Thanks Leo. Had a closer look at the property today. Non cavity walls so would have to be external insulation. In addition to the insulation it needs to be drylined rewired and likely new plumbing and heating. Also saw signs of dampness in one of the rooms. Looks like it could be a money pit

I'm looking at purchasing a house at present in Cork. It is a 1950s extended 3 bed semi d with a G BER rating I've read through the BER report and the main issues seem to be the pvc doors and windows (some of which are single glazed) and insulation. Also the heating controls on the Gas central...

My wife and I are 13 years into a 30 year mortgage with PTSB. Original amount borrowed was 156400. Current balance remaining 108k. Estate agent values house at 255-260k giving us around 140k equity when moving costs are paid. Also have savings of 50k We are looking to move to an area where...

So what is my best course of action - contact Irish life directly and request to change to reducing life cover?

We are both 40

Looking for some advice about Life assurance please. When we purchased our house about 12 years ago we took out a Life Options Plan 'Whole of Life' policy with Irish Life. This was sold to us by a Financial adviser working for the Estate Agent. Perhaps foolishly we never reviewed the policy. We...

Has anyone used a 'buyers agent' service to negotiate on property and was it worthwhile? I'm looking at trading up at present and having had some unsuccessful dealings with estate agents in the past realise I am a bit green in the property negotiating game and want to avoid being 'played like a...

Do any Cork City hotels offer early checkin (midday or earlier)? Willing to pay an additional charge if required.

Is it just me or has ptsb not passed on last months interest rate cut to tracker mortgage holders yet? Anyone got any info?

What happens to a married couple's tax allowances etc if one person gives up work? At present both of us work and are jointly assessed for tax. For a number of reasons my wife may have to give up work fairly soon. What happens to our tax in that situation? Will my earnings be taxed using our...

The choices are a round the world cruise which takes ages or fly but take in stages to break it up Dubai Singapore, Japan Oz or and this is my preferred option Fly business class with a bed and sleep your way through it

I'm looking into selling my house at present. Is it quicker/more straightforward to use the same solicitor that I purchased the house through eight years ago than to go to a different solicitor? I'm thinking that they would have all the house details on file anyway which would make things...

Does anyone know whether banks take factors other than earnings into account when deciding whether to give a mortgage. For example I have been employed by the same firm (Consulting Engineers) for ten years. Does this stand in my favour when applying for mortgage approval? (even though its...

Has any one used a third party to act on their behalf when bidding on a property - someone who knows the ropes and won't get fooled by estate agents tactics etc? I know of only one company providing this service (get-sorted.ie - no connection to me). Perhaps there are others. Would like to know...

Why not rent in one of the areas mentioned for a while and get a feel for Ballincollig without being committed to it? With interest rate rises on the horizon later on this year I feel that houses in most parts of the country will be getting cheaper for the forseeable future

No idea on build quality but the pricing is still bananas!. Big big falls still to come here and in many developments around Cork. Buyer beware!