Low LTV _ Best Options?

Current Status:

Me: 1 full time stable gross income (no OT or bonus) 76K
Spouse: self employed IT contractor was on sabaitcl for 2 years now seeking contracts so no current income.
Housing: Renting, sold PPR in 2007, monthly rent 1,150
Funds: EUR 230,000 in (legal) offshore account
Debts: 1 Credit Card, Balance 13,000
No other loans/debts.
Received report from ICB this week all looks clean.

We're looking to buy a small place in the 200K - 310K range so obviously looking at low LTV or possibly even just some money for minor renovation on a cheaper place. Assuming 10K held back to defray costs associated with purchasing (Stamp Duty, Solicitors etc).

1. On the top end, assuming a max loan of 100K, what would our best options be in terms of who is offering best deals or approvals on < 50% LTV mortgages?

2. If it turned out that we could buy a place for 220K and needed another 20K to fix it up, woud we be able to get a mortage for such a small amount?

3. Would we be better off reducing our cash in hand and clearing the credit card before approaching a bank?

Thanks

Firstly, pay of the credit card. It'll definitely help if it is on a zero balance for at least a month before you apply.
Minimum mortgage amount is 50k with most if not all the banks but there is nothing to stop you applying for 50k, then paying back whatever a day after draw down.

Do remember to keep some cash as an emergency fund and not just spend the whole lump of savings. Never know what might happen.

AIB currently have best interest rate, however they only lend up till age 65.
BOI higher rate than AIB but lend till age 70.

Not sure why if you have the stock of cash, are you paying interest on the credit card loan? Maybe your savings rate is higher than the interest on the 13k on the card...
The banks don't really pay any heed to how much savings you have, they only care about your long term ability to repay and your spending habits generally I guess.

I wouldn't spend all your cash reserves either. If it was me I'd try to spend as little cash as you can and get the maximum mortgage you can (at the present time). Once the cash is gone into the house it's gone. If you still keep some cash then you can throw a bit more at the mortgage in later years or if interest rates are making your mortgage repayments uncomfortable.
If you have kids you need to think about keeping some for a college fund, or depending on your age, if you don't have good pension provision think about keeping some cash for your retirement also.