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I used Karen O'Shea in EA Ryan solicitors in Dungarvan - found her very good.

Hi Sesed, just to let you know I got approved on Monday and received letter of offer yesterday. Happy days....it took a long time though...

Hi guys, just wondering if anyone is experiencing delays getting responses from AIB on mortgage applications. I am waiting weeks to get a decision from them on a self build mortgage at this stage.....

Hi Libretto, I just got AIP from AIB (yippee!). It took 10 working days to get approval.

what about if I was 34 and my husband was 40, do you think they offer me a 30 yr mortgage if I was the principal earner?

Hi Shamrock, I'm going for a self build mortgage soon and I've been told that your current account would want to be squeaky clean for at least 6 months. No unpaids, dds missed etc. You need to prove repayment capacity, which you are doing with your current rent payment. A nice deposit/savings...

Thanks Gcsm9, I'm hopefully going to apply soon. The only thing that I think they can hold against us is that we both use our overdrafts. Who knows though. Did you have to provide original bank statements for your partner or were AIB happy to accept B365 statements? Thanks again for your input.

Hi Gcsm9, did it take you long to get approved from when you applied. I've heard that AIB can take a long time, ie if they have a query you are put back to the end of the queue again.... also in relation to your statements, how up to date must they be? if you receive your statements in October...

Hi jonnyjb, this is unrelated to your original query but I'm curious. Did it take you long to get approval from AIB? was it an onerous process? that seems to be the general consensus with AIB at present....

Hi Raven, if you don't get a mortgage, the rest of us are rightly screwed!!!! nice position to be in, with that kind of money in the bank....I think I'd be buying a nice house for myself for 350k and forgetting about a mortgage....living mortgage free sounds like a dream....

thanks guys, I will! I must print out all of my necessary maps etc now and get everything in order. Thanks again

Hi folks. I had an engineer to draw up the plans of my house and apply for planning permission on my behalf. All of this is completed and planning has been obtained. I now want to change engineer for the building stage (as I am not happy with him) and eventhough I have the house plans on soft...

ok! no probs! thanks very much

thanks Norfbank, my understanding is that approval in principle is given initially. Is this approval given by the underwriters or is it just when the bank manager puts it through their scoring system and tells you what you're entitled to? The reason I'm asking is that I'm hoping to start...

Hi NorfBank, I know you're in the industry, are the banks lending at present are you finding? or is it still as difficult as it was?

Hi guys, thanks for your response. I guess its a bit of a strange one. The percolation area is in a different field and the original pp included about .25 acre of this second field instead of just getting a right of way to the percolation area. The 'site' area itself will be unaffected and...

Hi folks, is it possible to start building a house while applying for planning permission to change the site boundary? We have full planning permission for a site but have discovered that the site is too big and we want to reduce it. The solicitor has completed the land transfer of the smaller...

I would say a year. Your bank statements must not be overdrawn for at least six months, nothing but perfect will do, showing a good surplus. try not to have car loan, credit union loan etc, if you do your app will be refused And of course no credit card bill. And it depends on the company you...

I agree with terrysgirl, unfortunately. If he defaults any of the payments, it will appear on your ICB also. You don't want that....

I'd be very interested in hearing mistermiste. It's frustrating having to fork out that large sum of money in this day and age, especially when you don't feel you're getting value for your money...