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Yes this is a good point, however, for me the difference between Owner Occupier rate and Investment Property rate is negligible as I only have 20K remaining on the mortgage. I calculated the increase to be around €3 per month to change rates. First I want to see what my options are and then I...

Thanks for the feedback Yes, I have updated my insurance policy and am registered as a HAP landlord passing through the checks by the local authority. I have a call set up with the bank for a mortgage top-up, I will take the call have the conversation at least. I'll let you know if you are...

I own a house in Dublin and got an owner occupier mortgage as it was my primary residence. Since then I have left Ireland for work reasons and I am currently renting out the property. 1. Do I have to declare this to the bank? I lived there for about the first 5 years 2. If I want to remortgage...

I am curious about the legal status if I were to sell my house in Dublin. When I bought the house it was my home and principal primary residence. Now that I am an absentee landlord (living in UK) I am not sure what the status of this is. If I were to sell the house would I be liable for capital...

The application process for the state guarantee costed about €500, the bank led me through the process. I did not make any further payments for the state guarantee, there was an agreement between the Mortgage provider and the state until I got my mortage below the 70% LTV. I only make repayments...

I am a property owner in Helsinki and on Friday I started the process of switching my mortgage provider from Nordea to Handelsbanken. New rate from Handelsbanken is 0.75% tracking the EURIBOR 12 month. This is the lowest the rate will go i.e. if EURIBOR 12 rate goes down I will not get a...

Thanks all for the info. I am reluctant to use estate agents as they may have reasons to massage the truth with valuations as mentioned above. I'll go with Gordons suggestion for now

A house has been left to 10 of us (all cousins) and 3 of us (me and my 2 brothers) are planning to buy the house for family holidays etc. We want to know the best way of getting the market value for the property so the result is impartial and fair to everybody. Any advice as to the best thing...

Is it possible to have a split mortgage with any of the mortgage providers in Ireland? For example, total mortgage of €200K with €100K on a fixed rate and €100K on a variable rate. This is offered in other countries. I am with AIB and I could not find any information about this online.

OK. Thanks

Simple question. How do I calculate the official value of my property? I can estimate the value myself but I guess the bank will need an official estimate from somewhere. Do I pay an estate agent to do this or do the bank have a service to do this?

I have two properties. 1 in Dublin and 1 in Helsinki. I am currently living in Paris. The Dublin property in worth 200k with a mortgage of 230k @ 4.1% and the one in Helsinki is worth 310k with a mortgage of 245k @ 2%. I am overpaying the Dublin property by 1k per month to get out of negative...