Not sure why we are getting so low,we was getting €540 at one stage and he kept reviewing us every 2 months.Why are you getting such a low amount of mortgage interest supplement?
Why do you want to keep the family home? Would you not be better off with the banks suggestion of selling it? Based on your unemployment status and your partners practically nil salary you must be a good prospect under the new insolvency regime to have the debts written off?
Yeah sorry i think i get full rate 188 plus the 2 child dependants,it's the wife's means that i was on about,I'm confused myself.We was told we couldn't claim fis?I'm confused... how does 248euro include your wife and 2 children? Is this based on jobseekers plus part-time work? Also, if she is earning between 250-350 per week would it not be in your interest to apply for fis?
Also, your mortgage interest would be so low because the cwo only pay part of the interest only and in the last year both the interest rates have come down and the cwo have reduced everyone's mortgage interest supplement. Also, because your partner is earning between 250-350 per week, as far as i'm aware you are not entitled to any mortgage interest supplement based on that income and your sw payment. After the first 50euro earnings the cwo assess your mortgage supplement euro for euro, for every euro you earn they take that off your MIS.
Great thanks,so my wife would need to claim fis in her name,would my jobseekers money be affected by this while we wait for a decision on it?if your wife works more than 19hrs you would be entitled to apply for fis and while your waiting on your fis to come through you are entitled to continue getting your sw payment until the switch over.
Fis for a family of two is 604 euro per week by that i mean they will make up 60% of the difference and you may still be entitled to MIS.
Has anyone any experience with mortgage to rent scheme it seems like our only option at present but i can't find much information about it.
Why are you saying this is the only option when the bank has given you 5 options. Can you please clarify your income and expenditure. You must have these details from the SFS you filled out?
1 we don't want to surrender our home.
2 we don't want to sell our home
3 we can't afford to extend mortgage term
4 we don't want split mortgage as they said will mean defaulting on other loans
5 is Mortgage to rent.
Will do up income and expenditure shortly when kids are at school,cheers
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