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Thanks Brendan. Spoke to a friend today who is an insurance solicitor today and she said the same.

My husband had a claim where he was at fault dating back to April 2019. The claim is ongoing and we believe there was a personal injuries element. Last we heard from the claim handler at the insurer was that she had rejected the settlement offer. We got a letter form the insurer's solicitor...

Nope. I discovered it myself.

Now I'm wondering whether to apply directly or ask my broker if he can apply and get a commission. I feel bad as they have worked hard on our application.

They said the existing rate will only apply to the existing balance, not the top up - see my note above. We will be seeking 70k more and that will be at the existing rate at application/drawdown.

Spoke to BOI this morning: Confirmed they will 'port' the interest rate to a new property if we redeem and draw down within 6 months The mortgage offer can't be speculative, needs to relate to a specific property The cashback will apply to the FULL amount of the mortgage - not just the...

Thanks I'm calling them myself today. I totally get it re the broker and was thinking the same yesterday evening.

So, basically no harm in us fixing again for a few years (it's due to expire on 26th of this month) as we're likely to sell in the next year and will defo go with BOI again as they give us the max mortgage amount vs other lenders. I randomly came across the mover option this morning on their...

Re reading your q. You have to draw down again within 6 months of repaying your mortgage. So, you sell and redeem your mortgage, find another property and draw down again within 6 months. You should be able to keep the 3% on the balance of the existing mortgage. Though I'll be calling them...

Bump as interested in this. Wondering if it applies if we top up our mortgage when we move. Or would we avail of this odder for the outstanding balance on existing mortgage and fix the rest at the prevailing rate? I'm going to call them tomorrow to ask about it as we have an existing loan and a...

We put down a deposit on a vacant house 7 weeks ago. The property has been on the market since June of last year. We are also sale agreed on our own home. We found out last week that one of the joint tenants sadly has Alzheimer's and is going into a nursing home. We understand (though their...

In this exact position right now. Just found out today after waiting for contracts for 5 weeks that the wife has dementia and they're going to court. I wonder how long the process took for you. We have purchasers lined up for our house and we're mortgage approved... we could lose our purchaser...

BoI issued the AIP this week. Phew.

For 2020 and 2021 it's highly unlikely as they'll see from his returns he earned the PUP plus about 9k (allowed under the pup rules) and paid tax on both. No accounts prepared for 2022 yet.

The broker has been trying to explain for 6 weeks now so it seems they won't budge. I did apply to AIB in case and will progress that too. Thanks.

We were just saying this after I posted. He was on PUP for most of 2020 and 2021 so should be straightforward for an accountant. Thanks.

Yes as we're married and it's the family home, Inunderstand we both need to be on the application. He doesn't need to have accounts prepared by an accountant for any other reason and they didn't require this 4 years ago. So, I'm surprised we need it now. I didn't appreciate this was a...

We are already with BOI (4 years) and we're now trading up. The original mortgage was based on my salary only as my husband, self-employed, did not have 2 years' accounts at the time. We have a deposit down and have received a deposit on our home. We applied to BOI on 1 December through a broker...

Yes, we put in an application through our broker on 1 December. STILL waiting on AIP. Have since put property on market, agreed offer, and bid and had offer accepted on a new home. Not sure what to do now - whether to go to another bank.

I am considering taking a role with a foreign-based employer. A big factor in this is whether we will qualify for a mortgage in Ireland. We're not first-time buyers. We already own a home and need "size up" as our son has additional needs.