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That's precisely it: I will need funds. I had expected to get any outstanding funds from a loan as in reality I have the disposable income but in theory it seems from the CU I do not have the funds by virtue of their attributing payment of the entire joint mortgage to me. They essentially...

And therein is the difference: you were always covering the entirety of the joint mortgage payment. I am not, nor have I ever been, so that €1500 or so which my ex pays for her share of the mortgage has never been something I have had to pay, just as she has not had to pay my €1500 or so share...

So, the CU person said today they did their credit checks and I am liable for the entire mortgage under their credit check, even though it is jointly held and I have a history of my paying precisely half of it from the start of the mortgage. This reality, it seems, is irrelevant so when they put...

No, as 24601 notes it's not. 'Separated' is a legal definition, along with 'divorce' and 'marriage'. My only legal status is 'married'. If I were to get a 'Judicial Separation' I would be 'separated'. As I do not have that, it does not apply.

No, it's not. It was a one-line question with no option to comment, only a simple Are you: single; married; divorced; separated? And then they moved on to the next question. The only accurate box to tick was 'married'. Most people will be familar with the sort of application question. You've...

Again, where on earth did I "attempt to hoodwink" anybody? I ticked 'married' as my legal status because that is precisely what it is, despite my legal actions to end it. It should be obvious that it would have been significantly easier to put 'single' down, but that would not have been the...

Thanks for that. I had not known they could see from the CCR that it was a joint mortgage. They never, curiously, asked about the equity in the house (which is substantial). Yes, when I got a (more substantial) loan some years ago they asked for my ex's income and I provided it. This time, my...

So, maybe it needs to be made illegal to have those conditions because the idea of having credit unions which effectively have a monopoly status in a locality due to a ban on residents joining another credit union has no place in an economy which claims to emphasise competition.

I'd imagine it's discrminatory under the 'civil status' clauses of the Equal Status Acts to say to somebody they're not eligible to apply for a personal loan unless they get the consent of their ex (https://www.ihrec.ie/your-rights/services/civil-status/). Further, it's irrelevant why I might...

Apparently you cannot get a loan from another credit union if it's outside the area in which you live so the local credit union has monopoly status in this area, it seems. Kilcloon Credit Union, for instance, is offering car loans at 4.85% APR and loads of other comparatively cheaper loans but...

"on the other hand appears to be attempting to borrow money under false pretences. Unless he’s disclosed the full background to the lender? i.e. that he’s in the process of a messy divorce which is likely to impact on his ability to repay his debts." Eh, no I'm not. The application form asked...

I have a secure job, have paid all previous loans and have never had credit repayment issues whatsoever. However, I have a joint mortgage, which is currently being overpaid by the max 10% per month as there is excess income, with somebody who is still my wife in Irish law. (My Family Law Civil...

You are correct on that. Not only that, the €14000 includes utility bills and if you go even €1 over it, the entire €14,000 is taxed.

I'm not aware at all about what could be written off as I just found out about that alternative and I assume I'd have to talk to somebody who knows about that about its details. My initial plan was to just go with the rent-a-room €14,000 which would be sufficient for me to meet the repayments...

I think it is, but I would only need circa €1500 per month nett to make the additional repayments on the additional mortgage. So even if I were to get €3,000 per month nett from renting, on top of my own €1500 or so contribution to the mortgage I would have the income to cover the repayment. I...

I could buy a place for c. €500,000 using a combination of my deposit and a mortgage based upon my income. However, it would cost me about €625,000 to build the home I want, with the intention of renting out 2-3 rooms per year in it, my principal private residence. The house would be in a very...

I don't think he needs to be bought out by his wife at all. The judge can order the sale of the family home, and the proceeds to be divided along whatever lines the judge sees fit. Once that is done, he is off that mortgage and can apply for one in his own name. Alternatively, his ex can agree...

In terms of buying two properties, you're on the pig's back if you're in Limerick and not Dublin. Don't even think of moving out to rent, or staying under the one roof in a relationship that is dead. You've only one life and you each deserve happiness. These years are not coming back. In...

1. Don't, under any circumstances, put yourself in a situation where you will be paying substantially more in rent in Dublin because you are on the hook for repaying the mortgage on the home in which another independent adult will live. That's madness. You need to cop on immensely on this point...

If somebody has a site and has planning permission to build two houses on a site (in Dublin), what would be the most cost-effective way to finance this? The idea is that the first house would be sold and the second house would be for the site owner, with a small or no mortgage on the property...