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Morning everybody. Just an up on my earlier query. I have now taken early retirement and have been awarded carers benefit to look after my mum. I have been given the opportunity for some part time work (12 hours a week) in a job that would be perfect for me and would be for the hours outside...

Unfortunately I wouldn't be eligible for that. I'm a pre 95 civil servant. I'm taking cost neutral early retirement. EDIT. Just had a read of the requirements for eligibility of carers benefit and it seems that if you can pay class B PRSI you can be eligible. I will get in touch with Social...

Hi. I am going to be taking early retirement from the Civil Service in March with the aim of looking after my mother who has Parkinson's. I was looking at the eligibility criteria for getting the carers allowance but I think I will not be getting it. Myself and my partner are seperatly...

I was considering that also. I dont just want to retire and not work in some capacity. I am currently studying Data Analytics so I would like to move into that area in a part time capacity next year. If my age is against me for jobs in that market I would work in a shop or anywhere really on a...

Thanks for the reply. I will have 32 years service if I retire next year. I will work out that calculation based on that. Appreciate that.

Hi everybody. Apologies if this has been asked before but I am working in the Civil Service and am considering taking early retirement next year on my 53rd birthday. I used the cost neutral early retirement modeller and based on my current salary of 61,500 approx. I would get a tax free lump...

Hi. I am planning to switch mortgage providers now that I am out of my 3 year fixed rate with PTSB. Kbc seem to be the best option but I am wondering if they would do a top up loan for home improvement and to pay off my car loan of 9k My mortgage payment is currently 1150 but if I switch to KBC...

Thought I would give an update on my original post. I had a meeting with a mortgage broker last week in Dublin. With his help I have applied to 4 different banks for a switcher mortgage with equity release and to pay off our BOI personal loan. The broker seems to think that everything should be...

Thanks Bikini Widow for that info. Its interesting. I have approached PTSB about moving my mortgage to them. I have an appointment next week so I am going to ask about the top up at the meeting and see what is said. At the very least I will be saving €65 a month if I move my mortgage to PTSB.

We are not actually having problems paying my loans. I just dont have much spare cash left at the end of the month. I could offset my CU shares against the loan but that would only reduce my total monthly outgoings by approx €200 a month. If I could go down the remortgage route I could reduce my...

Oh right :) :) Thanks.

Id be very interested in hearing views on this as something similar has happened to myself and my partner. We were refused a top up of 28,000 on our mortgage with BOI (House worth €230 K and mortgage of €155 K. We are considering switching to another lender to see if we can top up and switch.

I just had a look on the Pepper Website. It seems that they only deal with certain areas in Ireland. Unfortunately Cavan is not one of them.

Thanks Steven. I appreciate the response.

Hi. I’m looking for some advice and thought I would ask here. Myself and my partner are homeowners, both working in full time jobs in the Civil Service. We earn €40,000 each (before pension deductions etc) Through some bad decisions on our part over the years we have accumulated a fair bit of...

Does anybody know if Dublin City council plan to adopt a similar plan? I know somebody struggling to pay the mortgage on their affordable house. They have been trying to rent out a room with no luck but have the chance to rent out the whole house (they are going to move in with a friend). They...

I was on myhome.ie earlier enquiring about stamp duty rates on new homes and read the following Stamp Duty Rates on New Homes: Other Buyers: For all other owner-occupiers* the stamp duty rate on new homes depends on the floor area of the property. There is no stamp duty on new homes for...

I sold my house just over a year ago and have been renting ever since. I am now considering buying again and got mortgage approval a month ago for 250,000. Over the last month have been looking at some houses. The thing is though there is so much choice out there. I am in no rush to buy. I want...

Cheers NorfBank. I will pop down to Bank of Ireland at lunchtime.

Well the house we are looking at is a builders finish so we would need to get wardrobes, white goods etc. Also we would have to pay solicitors fees and we will need to buy a car (a cheap second hand one) as the house is quiet rural and is 20 miles from work. At the moment we are renting a house...