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You have to declare if any structural changes have been made. I guess you could say no but that's fraudulent. It cost us a couple of hundred for the cert and we would need it if we ever sold. I would always advise anyone to get one at the time of the works.

Is there any scope to increase your income at all to qualify, even in the short term to get the mortgage and HTB, eg can you do overtime or could you take on work outside of your regular job for a time? Or have you explored asking for an exemption to your max mortgage borrowings more than 4...

I had to provide a cert for similar when we were switching mortgages.

Sounds amazing! Have you considered bringing your car over if going for such a long stint? Rosslare to Bilbao then drive to your destination? Though it sounds as if you don't really need it and can manage without.

Taking aside the financial aspect of it, are you 100% sure this move is what you want? Have you already got connections to your target new community, or are you the sort of person who can find ways to integrate in a new community ie though sports, volunteering other interests etc? If you don't...

Did you have any exemptions any of the years? I know we had one for years due to the timing of when we bought our house.

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Have you explored the possibility of changing roles for a less busy/stressful one instead of full on retiring? I totally get the burnout and the desire to retire early and use the hopefully healthy/energetic years. But is there any opportunity to say do part time consulting work in your...

I wonder at the dropping off of expenses....in 7 years will your kids still expect to be taken on holidays, youngest will be only 18? Or will you need to fund an Erasmus year, masters, summer abroad (J1s are not the cash cow they once were! etc?). While 100% it should be your time, I think...

https://www.revenue.ie/en/gains-gifts-and-inheritance/documents/cat-treatment-receipts-children.pdf Take a look at this. Is she attending anywhere for instruction related to the FE1s? If it does indeed appear to be a gift of free rent and the exemptions no longer apply, remember you can...

I have a feeling state benefits won't keep pace with inflation...so if I was calculating, I would be negatively reducing my state pension entitlements...worst case scenario would be means tested so 100% discount, and then better case scenario X% for it eroding due to inflation.

I would only consider downsizing if it meant a large financial dividend and tbh it sounds like this will cost you money....I would say pump some of that money into your current home to improve efficiency and plan for living there with less people....eg could one room be taken over for a hobby...

Look to your Covid spending as a proxy for late old age...basically no socialising, car stays put, no holidays etc etc. Maybe less packages delivered too! There were plenty of savings accumulated in this country for many, all behaving in the same way as I guess a lot of elderly people do naturally.

I would imagine house total footprint is 100 sq m, so probably attic is < 50?

Def do a deep dive. Even if the expenses continue then at least you will be comfortable knowing what you are spending on. Especially if it feels it is all gone every month, how do seasonal things like Christmas and holidays get covered? I have always been better at knowing my spending when I...

Almost 6k a month for a family of four net of health insurance and with no mortgage or electricity bill does seem quite high? Is there a large childcare cost that is unavoidable until secondary school or large commuting costs or school fees? Otherwise biggest bill should be grocery?

Is this an urban or rural home? Was it a previous investment property or a house that forms part of an inheritance net of the judgement? I would be cautious about buying a house that someone had been evicted from or would still hold the belief that it is theirs contrary to all legal evidence...

I am sorry for your friend's loss, it must be awful and you are so kind to help her. With regards to means, for most things I believe the home, things like cars etc is disregarded, so yes, cash in an account would probably be means, so if there is a need to improve her home or buy one say or...

If you are of a certain vintage, you will have experienced a couple of recessions or downturns already. I suspect that a lot of younger people have not, the times have been good for a very long time and the jobs market continues to be very buoyant. So it is natural to think that it will...

Even if less than 10% work from home full time, are there stats on if someone is wfh in a household everyday? In mine and in plenty of my peers it is, by staggering days in the office. So a separate space is needed and in constant use. Anyone looking for housing now who potentially could WFH...