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Any advice greatly appreciated thanks or deals on switching Current lender - Ulster Bank Outstanding mortgage balance (how much you still owe) - 458k Approximate value of your property - 750k - UB account says we have 73% equity but thats not taking into account house price rise and we totally...

Hi all We are currently selling a house we bought in 2013 after nppr had ended. Our solicitor has come back to say there is no certificate of exemption for nppr for the previous owners and we may be liable to pay 7k! I'm sorry what. Firstly how were we able to buy the house without this? Also...

Once contracts are signed can they pull out? I know they are not meant to but does it happen? Just trying to cover all scenarios going through my head....don't want to be left homeless!

Ah ok. Thank you

Thanks all. The EA has assured us if the offer is accepted the house won't be advertised or shown any more. Timeline wise I'm not too concerned, our own house is in v good condition, there are very few houses for sale in the area and they all need quite a bit of work. I anticipate it will...

Thanks all.

Ok long story short. I have recently been bidding on a house. At present we are the only interested party and this house has been on the market for a while. Initially it was too expensive and was reduced about a month ago. The vendors don't seem to be in any rush, the EA was a bit vague when...

Just wondering what percentage of bonus is included for mrtg application? Bonus has been roughly 15k for about 10 years but obv on the salary cert its ticked as irregular as its not necessarily "guaranteed". Applying to Ulster Bank primarily.

Thanks all. We owe about 280 on the loan at this stage so will take a bit of money out of it. Does that effect anything?

Hi there I am looking to sell my rental property. It was my PPR from 2007 to 2013. I paid 381 for it in 2007 and will probably sell it for around 325k. I have it rented with an EA since 2013 and all above board, tax return every year, registered with the prtb. I will be giving the tenants...

Thanks Dave that's really helpful.

Yikes dishwasher that sounds very stressful. Unlikely we will have the full 10% (let alone 20) either and no one to borrow it off, most of the cash is tied up in the house. That never even occurred to me that we would need that much up front!

Ah super thank you. We live in an area where very few of the house type we like come on the market. So we just wanted to get approval on the chance one comes on. I am thinking it will take a while to get the right house. The new mortgage is likely to be no more than 1k dearer than our current...

Myself and my husband are looking to trade up. We have circa 200k equity in our current house which will cover 20% deposit for new house (with some left over). We have consistently been saving but used a chunk of money to pay off a car loan and remedial work needed to the house. Over the past...

Yes, agree with Chicci, SW is not in catchment for Colmcilles Primary School. Ballyroan, also nearby, won't entertain that address as their catchment either.

Thank you

Thanks again for your help. I think we will go with the 3% svr on account of selling in the next few years, it just sits easier with me. Having never been on a SVR do you think that is an ok option for say the next two years? Also, with the SVR can we choose to fix then at any time? We owe...

Thanks Redonion. What if the market rate drops - and I want to sell 2 years into my 4 year fixed term....whats the worst case scenario that I might have to cough up? This is all a bit double dutch to me but I do know that 2.6% saves me a good chunk of money every month!

Hi there I am coming to an end of a fixed rate of 3.7% with ulster bank. The best options open to me are SVR @3% or 4 year fixed at 2.6%. It is highly likely that we will move in 18 months to 2 years so I don't think the fixed option is viable as there may be a large breakage fee. However...

Thanks so much for taking the time to reply RedOnion. That is great to hear. Yes the buying and selling bit at the same time could prove difficult. Where we live not many houses come on for sale, we'd nearly need to be sale agreed in advance of the one we are after coming up, but sure how do...