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Hi Lady it is possible. I have 3 mortgages. First I took out one on my mums which I needed to renovate for her in 2003. It was not a large mortgage. Second one I took out was in 2010 for my first home which I now have rented out. Then I got a 3rd in 2013 to buy my present home with my oh. The...

I was not to worried about being refused. I just got a copy of the ICB report just to be on the safe side and i noticed the 2 searches. A friend of mine who was a bank official and would have had good knowledge was puzzled by it. He said the rules may hve changed but whenever he did a search it...

Only thing i am concerned about is are they allowed to do it? And what are they using the information for?

I only applied for a credit card. I gave them my current address and previous address. When I got ICB report it had 2 searches.

I recently applied for a credit card from one of the Banks here. The process went on for a while as i was not in a hurry for it. Anyway after about a month i sent them all the docs they had wanted. Got a call a week ltr saying it was turned down due to repayment issues. Which is total Bull...

Thanks for your help. I will pop in during the week.

We have been with PTSB for years. A few years ago we moved from the countryside to Dublin. 2 years ago I became self employed. We have asked over the years on numerous occasions 2 change our branch to Dublin but basically have been told it's too complicated and if we really wanted too it be...

From my own experience you will be offered approx 4 times gross salary less the outstanding mortgage of 320k owed on apartment in Dublin. that was over a year ago. So things might have changed.

Looking at your figures and presuming you only have mortgage debt and going on what we were offered they will give you 4x 103k which is 412k less 190 owed on current mortgage. Now things may have changed since but that's the way it worked for us.

Similar situation last year to you. Only figures were different. Was in negative equity and wanted to trade up. Got a mortgage with BOI and they did take into account potential rental income of apartment. The only thing I found is that they will give you so much times your gross salary and take...

Had the same issue lately. Bought an apartment that was vacant for 6 months. Estate agent gave me the correct meter reading but the wrong MRPN. Electric Ireland told me they wouldnt connect me as there was an outstanding bill. After 3 calls to them they put in my name and i gave them the estate...

Bought a new apartment last year. First place we looked at and were very interested in the bidding went crazy. We had the max we would pay for it. First bid in was was 12% above asking price. We were mortgage approved and i told the estate agent( we do business with estate agents) that i would...

Thanks for your advice. Revenue have assigned the new place to my OH rental property they have told me. But i will fill the form out and send it away. Thanks for everything.

Hi There We purchased house in September. I got onto Revenue by phone and they said said they would get back. They attached our new home(Our residence now) to our old home. Didn't receive any call back. So i rang again and they said we were not liable. My solicitor just mailed me to say to...

Just got approval for similar amount to yourself. Have more saving but also more debt. Same earning also as yourselves. You may need to save a bit more as you will need at least 10% deposit and there will be other expenses like furniture solicitors fees etc...

I am in a similar situation. Revenue put my apartment in the 200k to 250k. Its a 1 bed but looking at property priceregistry index I can see apartments been sold for between 77k and 89k. I am taking it these are 1 beds. Looking at daft they value my apt at 104k. So my dilemma is which band...

Thanks for all the info.... Its a partnership and I am one of the directors.It was a good opportunity for me and I had to grab it so now I'm trying to get my head around everything tax wise. Main issue is around my tax credits so I will give them to the Mrs.

Hi there I am new here and need some advise. I have looked at revenue.ie and can't seem to find answers I need. I was PAYE worker until March this year when an opportunity came to buy out 50% of the business I worked for. This was a very good opportunity I couldn't turn down. I have not had time...