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Thats exactly our plan Brendan. Just wondering if anyone else has gotten an exemption with similar circumstances to ourselves.

We'll have about 50k between savings and equity. But that will only allow us look at house at around €250k price,if we need 20%. Houses we really like are around 335K,which we could do if we only need 10%

Anyone here know if banks are giving out LTV exemptions to second time buyers who have a rental property? A friend in work got one early this year when selling his house & buying another. But he had no other property. We're hoping to trade up early next year but wife has rental property in Neg...

If a house costs €180,000 and needs about €100,000 renovation costs, can I apply for a mortgage for €280,000? If so, how does it work? Do I submit detailed costing? Is it staged payments as each part of work is signed off?

If I sell my house, my PPR, and not make any profit or capital gains do I still have to fill in a form to revenue declaring the sale? Or my local council?

Ok, thanks for that.

And do these credit checks show up when other institutions run their own credit check? So can a bank/CU see who has checked my credit rating?

Thanks. If we get approval in principle from credit union, but don't get loan until after drawdown, will it show that they've ran a credit check?

Our broker was telling us today that it looks like,this week, we're going to get AIP for mortgage but only at 80%. So our deposit will be used up. House would need a few things done to it,so when would be best time to ask credit union for a loan?Will bank do another credit check before issuing...

Our broker was telling us today that it looks like,this week, we're going to get AIP for mortgage but only at 80%. So our deposit will be used up. House would need a few things done to it,so when would be best time to ask credit union for a loan?Will bank do another credit check before issuing...

I rang Perm TSB mortgage department earlier. Girl said I could avail of cashback if using a broker.

The reason I ask is that we're dealing with a broker and the only bank that will lend to us is Perm TSB. They offer 2% cashback so I just presumed we could avail of this...

Anyone know if this is true? Surely a bank can't withdraw their cash back offer if a broker helps a customer get a mortgage??

Just wondering. If I get AIP, can I ask Bank to include renovation /modernisation of property? So, say I get mortgage approval of 200k and see a house for 150k but house needs 50k work, could I ask them to give me the 50k as a lump to pay for modernisation?

So I'm better to get AIP from bank and then get credit union loan?

If I receive AIP from a bank and then later apply for a loan from my credit union for home improvement,will that AIP show up on the credit check that the credit union run?Or is it only actual drawn down loans that show?

Think it was built mid 90's. So I'd imagine it may not be a major job to reconnect it. But, as you say, depends on the state of wiring etc.

Thanks I'm reading about some people who have been disconnected 2+ years getting charged €2000 while others pay anything from €79 to €300/€400. Guess it depends on the amount of work involved. In my ignorance, I thought it would be just a case of flicking a switch back on again!

Thanks I'm reading about some people who have been disconnected 2+ years getting charged €2000 while others pay anything from €79 to €300/€400. Guess it depends on the amount of work involved. In my ignorance, I thought it would be just a case of flicking a switch back on again!

Interested in a house that I've viewed. EA says it's a bank sale, house unoccupied over 3 years and last tenants rented the place. Electricity turned off. I'm reading that it's €2000 to reconnect. There's houses to the left and right of it so I'm guessing it shouldn't take a lot of work to...