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we're using Monese Joint a/c. find it to be very good

Hi, never said I wanted to borrow BTL rates, that's what others have suggested would have to happen

No I don't

Definitely but how to raise it again is the problem. That's where the mortgage idea came from. Anyway of doing that, or other ways?

Thanks again for your reply. Just to clarify, we have 100k cash, owe 145k to family and we have a c. 400k mortgage.

Hi all, thanks for the replies. Let me put some more flesh on the bone. We bought the first house (the unmortgaged house) as a home in another part of the country, where we are both originally from using our own savings and savings from family. Work has kept us in Dublin since and it's been...

My monthly payments on my PPR are near the max of what I can afford. Would I really need a BTL if I'm not actually buying it?

Hi, I have a house rented out that I bought a few years ago from savings and a loan from family members. I've since taken a mortgage to buy a house that I currently live in. The plan is to repay family members as I save the money from rent + savings etc. If needed, is there a way to mortgage...

Thanks for the replies, licencees ... Never knew such a thing existed. How could I find out for sure which situation I have? Probably more beneficial to me, income wise, if i do indeed have licensees .

Hi, Can't find an answer on this, maybe somebody here can help. Scenario: I've a house rented out I let each room separately as the various tenants move out 4 bedrooms 4 Individual tenancy agreements and all reg'd with RTB - blah de blah.... One of the tenants (been there 3 years) is moving...

Flip! Ok, thanks for the advice. Appreciate it

HI, thanks for the quick reply. I'm going to have to do some back tracking so! I was reading this which was sending me in a different direction: http://www.askaboutmoney.com/threads/switching-from-joint-ownership-to-single-ownership.150093/

Hi, I've searched and search etc but I can't find an answer on this so apologies if it exists in here somewhere. Myself and girlfriend have our house (Jointly owned no mortgage) rented out at the moment. We are both PAYE and she also self-employed workon top. Who is liable to pay the tax on...

Small amount, about £500 at the time. Is that all I've to do, present myself with the book at a PTSB? sounds handy enough. Thought I'd have to go the letter writing route.

Hi, I found an old bank book from Irish Nationwide which last has a deposit from 1998. I've no idea now how to go about retrieving that money. Haven't been in receipt of any correspondence about this since then. Can anybody tell me who I go to about it? Thanks, Patrick

That's news to me! Me and OH bought a house for cash about 3 years ago in Galway. Stuck in Dublin with work and haven't been able to move back yet to it so have it rented in meantime. Opportunity has just popped up to buy a house now (with mortgage) but I thought I'd have to stump up 20%...

Thanks, I'll take a read

Well, it isn't moot to me.. Ah: 4. Qualifying Residence 4.1 Sole or main residence The room or rooms must be in a residential premises that is situated in the State and that is occupied by an individual as his/her sole or main residence during the particular tax year. An individual may live in...

I'm between 2 places TBH. Renting in Dublin but also living in my house. I feel my home is my PPR, duno how other people manage this situation.

Can this be done? Renting apartment elsewhere and "keeping a room" in your home for the purposes of rent-a-room? I'm in a similar situation to the OP. Thanks