S
Have my fiancee living with me and she's paying half the mortgage as her rent.
How romantic! And remember as soon as you tie the knot the house will be hers too.
stekell32,
On a salary of €33k you would be looking at a maximum mortgage of around €155k to €165k.
Minimum deposit required will be 8% of purchase price but better to have as much as possible in savings, banks will look more favourably depending on the size of your deposit.
General points? Keep saving, clear all loans (if applicable), keep current accounts in good shape.
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norbank how would the bank look at following:
you are overdrawn by a max of between 0 and €1k for a lot of the year as you transfer move to saving account online which puts you overdrawn- main reason is when overdrawn less likely to spend money and it motivates saving at same time as if money resting in current account more likely to spend
thanks
"How romantic! And remember as soon as you tie the knot the house will be hers too. "
No, it won't. It becomes a "family home" pursuant to the Family Home Protection Act 1976 and the consent of the non owning spouse is required before the owning spouse can sell or mortgage. That consent can be dispensed with. It does not become jointly owned unless the property is transferred into joint names.
"isn't there something legal that states if the better half moves in and lives with you/I then after 18 months they are regarded as common law wife and are entitled to half anyway..."
No, that's nonsense.
mf
If theres no cost involved, I'd go with the broker purely as I would prefer someone else put the best application together. Especially if you are saying you are a complete beginner.
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