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    On AIB variable (LTV 50%<80%) rate 3.3%, to fix or remain on LTV ?

    We have a small AIB mortgage remaining of approx €50k, currently on LTV 3.3% interest, soon to drop to 2.95% Is it worth considering fixing at the new 5 year 3.3% rate, (which will almost see out the mortgage) or sticking with the variable ? Views / comments welcome, Thanks
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    Single, Separate or Joint Assessment for PAYE ?

    Recently married couple, one retired public servant, one in employment, taxable income of each(public service pension & employment) at 20% rate. Is there any benefit in opting for joint assessment for tax purposes here ? From limited knowledge of tax bands & allowances, I cant see any advantage...
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    2015 Local Property Tax

    My sister is about to close the deal on a house she is buying in a Receivership sale. The hose is new, hasn't been lived in previously. Contracts were only signed/exchanged in recent weeks. Does she have an LPT liability for this year ? Is it the local authority or Revenue she needs to contact...
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    Brian Hayes MEP: ''Excessive' variable mortgage rates should be investigated'

    Insofar as the current high interest rates on variable mortgages are providing the banks with a bulwark against the loss making Trackers and ultimately improving their financial position, it's hard to see the Government/State agitating for reduced variable rates on the Banks, given their...
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    Approved for a mortgage. De we fix for 3/5 or 7 years or not at all?

    Are there any downsides to split mortgages as described above, apart from the usual conditions attached to fixed rates and the unpredictability of variable rate movements ? Seems like a good way of hedging one's bets ? Also, are split mortgages readily available from the main banks ? Do they...
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    Refused Mortgage Protection

    Are you using a Broker to search for Mortgage Protection cover or approaching insurance companies directly yourself ? Some Broker firms may be more experienced in sourcing cover in circumstances as you describe.
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    Bank Loyalty. Any reason not to switch current account from AIB to KBC?

    I've toyed with the idea of switching banks also, although I can't say anything by way of complaint or dissatisfaction in my dealings with my current bank, so will probably stay put. The one concern I would have with "new kids on the block" such as KBC is that at some stage in the future they...
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    Mortgage offer signing and drawdown date

    Yeah, you will need to reapply for the mortgage , same happened to us with a delay in the sale a while back. But given that AIB will have your info from your current offer it should only be a matter of updating your financial info and, if nothing has changed adversely on that front, you should...
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    Section 86 Tax Relief

    Just a question/ scenario on Section 86 Tax Relief. My sister and I jointly own a property in which my sister's son currently lives. If he continues to reside there for a period of 3 years (he doesn't own any property in his own right), can my sister and I gift the property to him free of...
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    Mortgage Interest trends for 2015 ?

    So anyone care to surmise on the mortgage interest landscape for 2015 ? AIB & KBC appear to be offering best rates for new mortgages - but is the trend for variable rates likely to be downwards, given AIB's lower rate for fixed term as against their variable rate ? Mortgages here still too...
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    Variable or Fixed Short Term Mortgage

    Variable or Fixed Rate - which to choose ? Just by way of update on our query regarding Variable Rate v Fixed Rate mortgage. We are mortgage approved and propose getting a mortgage of €75k with AIB over 12 years . The repayments are as follows: Variable - €674.64 pm - 4.49% Fixed 2...
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    Open viewing showing interest

    How interested are you in the property ? What I'm getting at is how much are you prepared to bid, asking price ?? or how much below ?? We attended an open viewing recently, liked the house, told the Auctioneer that we we were interested but not at the asking price. Don't appear to be too...
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    Variable or Fixed Short Term Mortgage

    Thanks for the post WBBS- makes good sense ! But will banks play along with that approach ? Will their valuer not value the house at it's current unfinished value and the bank then approve mortgage amount on that basis rather than current state value + €10k to finish off ?? Thanks !
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    Loughrea/Craughwell/Gort anyone ?

    Thanks for link Leonmahon, some useful info there
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    Variable or Fixed Short Term Mortgage

    Thanks for your post - it was your comment that we should borrow the "finish off " monies on our mortgage that set us thinking. Our query is which is the most cost efficient method for us - borrow on mortgage or short term home improvement loan - is borrowing on our mortgage (albeit at a lower...
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    Variable or Fixed Short Term Mortgage

    Thanks for advice everyone ! Just to clarify our position - unfinished house priced at €100k, estimate a further €15k to finish off. Our proposal is to deposit €20k, draw down mortgage for €80k and fund finish off costs from a mix of remaining savings and short term home improvement loan- say...
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    Variable or Fixed Short Term Mortgage

    We're in a similar position to Tim but with a longer timeline- planning on borrowing €80k over 10-12 years and , based on postings here and elsewhere, we are tending towards variable rate mortgage, and either (a) paying a bit extra each month or (b) putting the extra we would pay into a savings...
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    Loughrea/Craughwell/Gort anyone ?

    Planning on moving to south east Galway in the near future (work related) and looking at property prices around Loughrea/Craughwell/Gort area. Any advice ? On viewing DAFT, a few estates/properties caught my eye around Loughrea, Danesfort, Cois Furain, Baunoge, Carraig Mor - anyone know of these...
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