1. A

    Contractor Mortgage Application

    Hi All. Myself and my husband are looking to get a mortgage towards the end of the year. I am a day rate contractor and he has a permanent position. I have been contracting (self-employed) for 1.5 years and help permanent positions before then for several years. One thing we can't seem to get...
  2. G

    Using loan to pay mortgage faster

    Case study using BOI and their online mortgage and loan calculators (for simplicity): mortgage - 200000, 3%, 20 years monthly payment 1109 total cost 266160 Before taking mortgage - take a personal loan: loan - 20000e, , 6,8%, 5 years monthly payment 392 total cost 23515 now you need "only"...
  3. G

    Mortgage steps?

    Hi, just looking for some advice on deeds of the house. I'm extremely lucky to be in a position whereby I paid the last of my mortgage this month. I'm with AIB, but have not received any confirmation yet from them. Do I need to get in touch with them, or should I just wait? What are the...
  4. S

    Moving from Fixed to Variable mortgage rate

    Hi all, We took our mortgage in 2014 with a 6 year fixed rate of 4.2% which is due to expire at the end of this month. We received a letter from Bank of Ireland a few weeks ago advising us of our options including a 1 or 2 year fixed rate of 2.9%. I meant to follow-up as the LTV was incorrect...
  5. J

    Mortgage Redemption Figure

    Hi Everyone Could anyone inform me on how to calculate a redemption figure for a mortgage. I can lay out an amortisation schedule in excel which gives me lots of information by month but I would like to be able to get to a specific day for the mortgage balance. I understand there will be...
  6. G

    overpay variable rate or switch to lower rate fixed

    Currently have 29 years left on a 2.95% variable rate mortgage with AIB with €174,000 remaining on a house worth €300,000 (58% LTV). I have €40k in savings. I currently overpay my mortgage by ~€200 a month and save about €1,000-€2,000. I am thinking of switching to AIB's 2.45% 5yr fixed rate...
  7. I

    Minimum Valuation price

    I was just approved for a first time buyer mortgage for 267850 with KBC - my income is 76k. I have about 130k in savings. One of the conditions is puzzling me - Prior to drawdown of the loan, a valuation must be carried out on the property being purchased. The valuer will be appointed by KBC and...
  8. V

    Mortgage Interest Rate Options Letters

    I am looking to get a copy of some mortgage option letters (redacted) that would have been sent out to customers after a fixed rate on their mortgage expired..... i am looking for AIB letters from 2002 to 2007 or any other bank option letters to use as a comparison with the letter I received...
  9. K

    Mortgage Protection Insurance

    Hi, Which company do you recommend for mortgage protection insurance? Do I need life or mortgage insurance? Or both? What's the difference? Thanks
  10. K

    Buying a property - Mortgage and cash

    Hi, My partner and I are not married and we just got a property. She has a mortgage approval on her own and I have cash to cover the other half. The idea is that we will go 50%-50% with the property. What's is the best action to take financial wise? Is there anything we should consider? Thanks,
  11. C

    Has anyone received their mortgage refund yet from Ulster bank?

    I received a letter in April, told I would receive it in September and still no update.
  12. D

    Remove name from deeds

    Hi A number of years ago I bought a house, which is my family home, with my father in law (FIL) on the mortgage and on the title. This was my FIL parents property which was willed to him and siblings. In effect all parties were paid with proceeds of mortgage. My wife wasn't placed on the loan...
  13. F

    Creating a Right of Residence

    Hi, My wife and I,both previously widowed, remarried three years ago. We want to gift her house to her married daughter, with a lifetime, irrevocable, right of residence for her unmarried son. The couple will be building a separate “granny flat” for her son, for which they will require a small...
  14. C

    Ulster Bank cuts some mortgage rates

    Looks like UB have cut some of their fixed mortgage rates Can't find a new rate table but their standard 5 year fixed is dropping to 2.6% (from 2.99%)...
  15. N

    Buying a house with a parent

    My husband and I are looking at buying a house with my mother. We have found a house with a separate building (for my mother) which we are all happy with. My mother can buy her part outright, however my husband and I can’t get a mortgage with someone else having an interest in the house. The...
  16. J


    I just got my credit report from the CCR and seen an old overdraft from 07 on it. There is a balance still owing which was fees and interest as when I switched account the account was not closed. Will this look badly on my mortgage application now as I have historical overdraft that hasn’t been...
  17. N

    Completed Insolvency, now bank refusing to write off debt as there was a co-borrower.

    Long story short, co-borrower (father) died in 2011, approached bank in 2013 for assitance for a period of time to get myself back in my feet. This was refused and after a lot of time wasting, eventually arrived at a PIA in 2016 that involved the bank getting my house, they wouldn't accept any...
  18. C

    How will the HPL1 check return?

    My partner previously boight a home with a friend of his and he fell out with him and also had a child with his ex so had to move out about 7 years ago. We are currently applying to be put on the council list to hopefully get assistance with HAP but we need the HPL1 form completed. He is unsure...
  19. H

    What affects your credit report?

    Hi guys I'm new here and hoping someone might be able to shed some light. Me and husband are about to apply for a mortgage together. He has already had a mortgage for a house he sold and a spotless credit history however I had to apply for a credit report for the first time today and I'm kind...
  20. J

    FTB Mortgage - Local branch or national call centre?

    Hi, First time buyer here comparing the various mortgage offerings out there. Looking around, there are two options for most providers. I can walk into my local branch, or call a national telephone number. Is either of those more favourable to pursue, or does it matter at all in terms of the...