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Joe thank you :) And thanks so much Newtothis I really appreciate your input and advice and I've taken it all on-board so will now see what an architect thinks, get something drafted up and see if I can get a preplanning meeting. Your all very good for giving me your advice and I really...

Clonback thank you so much for giving me your time and opinion. you are a Gentleman :) Albeit design and pre-planning dependant, I now have a glimmer of hope that something may eventually be built and all is not lost..... Thank you :)

Hi Clonback Thanks for the reply. The ambitious proposal was for a new 74sqmtr 2 story detached two bedroom house, to the side of the existing 2 story semi detached two bedroom house. Basically an infill house in our garden. (We are in Dublin 12 and these were common with around 7 of these...

Hiya, just a quickie.... If a small infill site has been refused by An Board Planala is that it? As in... forget about building anything ever at that location?

Hi Gordon, I've been told 1200-1400 per month. Thanks :)

Thanks CPM-81 and yes I do tend to stress/overkill on things but I am rethinking everything.... especially paying off our 34k mortgage out of our 51k savings as you rightly point out I wouldn't have enough €€€€ to move.... I'm not in a position to sell up and rent as I have a special needs...

Hi Cremeegg, Thank you for your reply and yes i do want opinions as i am clueless when it comes to mortgages so all welcome. As previous post we are trying to not put our house up for sale first so that is a bit of an issue as in theory we dont have enough disposable income to service 2...

Thanks everyone and just to update, own house valued at a minimum of €290k, mortgage at €34K, savings at 52k, 2 lenders will give us exemption on deposit @10% on a new mortgage of €280 to buy while still in own home so we wouldn't be under pressure to move on a deadline but.... we are struggling...

Well that's just bloody great! Nothing again for 2nd time buyers who have gone through so much to survive and pay their mortgage, on time, never defaulting, but now stuck in a shoebox with expanding family with saving for a 20% deposit, which could be 60k on a €300k mortgage, a dream for...

Hiya bleary. thanks for the reply and sorry for the tardy response I've had a Revenue Audit for work to deal with this week...oh the joys....lol Im not familiar with Haven but will look into them, I've received a mortgage pack from 2 others but would rather meet prior to handing over my...

Hiya Christine, We were with UB last week and they told us that they were the only bank that include child benefit as an additional income, we have 2 dependants too, so advisor added that to our overall income. I'd look into the "rent a room" scheme as an alternative to maintenance...

Hi Brendan. thanks for the reply. we've only started meeting with Banks. Hard to get time off work... so that was the first one we could jointly do on Friday... We will be meeting with more in the next few weeks and thanks to your work (wouldnt have considered them previously due to their record...

Lol Mf that was funny and as terrysgirl33 I had the image of her still there too.... So to update.... on Friday we met with an assistant mortgage advisor in one bank who after an hour of totally confusing us left us yes they will give us 300 sorry...240k with us providing a 20% +deposit whilst...

Hiya Xmarks. Thanks for the reply and yup that's probably the best way to go about it and would solve all problems ...but....I don't know whether that would work for us as too many variables such as, if we put our house up now and go sale agreed what happens if we don't have a property to move...

Hiya Everyone. Still here pondering the different scenarios... Update...Mortgage down to €37k and savings upto €37K.... If we clear the mortgage we will have zero savings. If we need 20% deposit that would set us back about 2years.. We really would like to move next year before the urchins get...

Thank you all so much for the replys and valued opinions. I know that if we try very hard and combine everything we could probably look at clearing the 40K existing mortgage this year. This would leave us with no mortgage and a chance to start saving all over again. This bring me back to the...

Hi Everyone, Just looking for a bit of advice please. We are thinking of moving house and have an existing home with a small mortgage but we also have small savings. We are 2nd time buyers and are very confused about the deposit amount that we will need. If we want to trade up to a property of...

Thank you Black Sheep for the reply and yes everyone so far has retired at 65 so this would set a precedent. I wonder what the position of your friend will be after the changeover period.....and I welcome any other comments please. The company MD has been in touch with Nera and Citizens Advice...

Hi All I have two issues at the moment and Im hoping someone on here will have more knowledge than myself. I have an Employee who is with us over 10years. In that time the Employee has never provided a Date of Birth 7 years ago written Contracts of Employment were issued to all old...

Hiya Suzyann Ive a Renault Senic and its a tardis!! Ive a 5+3yr old so from birth ive had double buggys, christmas shopping etc all fitting into the boot which seems to have shed like capacity! It has 3 seperate seats in the back so ive been sat inbetween the two child car seats on either side...