mortgage

34 results

I have savings of €200,000 and am considering spending €30,000 on a car. Photograph: iStock
Home or car: what’s the best use of my savings?

(...) put the majority towards purchasing a house with a mortgage of €300,000. However, I need to purchase(...)

Assuming you are on a variable rate, there is absolutely nothing to stop you paying off the mortgage in full whenever it suits you
Paying off your mortgage in full not always the best plan

I currently have a mortgage outstanding with one of the top five banks in Ireland. I have been(...)

Regardless of what you have agreed to pay for your new home, the bank will get a professional valuer to value the property. Photograph: Getty
Bank official stalling on mortgage application citing Covid

(...) mortgage had been agreed in principle at the end of last July, more than six months previously. This(...)

The bodies representing valuers say though they are adding a Covid-related clause to valuations, they are not altering values based on the virus.
Househunters squeezed as banks tighten rules in Covid-19 crisis

Getting a mortgage can be stressful at the best of times. Add a pandemic and things ratchet up(...)

“ I work in hospitality and am temporarily laid off till such time as the business is back up and running.”
Will Covid layoff count against me on mortgage application?

My wife and I were due to apply for a mortgage but as the pandemic struck we are of course unable(...)

Your parents could gift you up to €335,000 in assets without any worries over tax. It would mean that you would have to pay tax on any subsequent inheritance from them but that is not such an issue
Dad wants to give us the property we currently rent off him

(...) gift it to us as our chances of getting a mortgage are non-existent. We can still pay rent as if it(...)

Despite political pressure, banks in Ireland have been slow to budge on rates, though they are offering more competitive fixed rates. Photograph: Rui Vieira/PA Wire
Fixed-rate mortgages: shop around because there are deals to be had

(...) fixed-rate mortgage rates, that’s exactly what you might be doing. Whether you are a first-time buyer(...)

AIB upset customer ahead of Christmas with letter that inadvertently exaggerated mortgage arrears. Photograph: Cathal McNaughton/Reuters
Should AIB compensate me for upsetting letter on arrears?

I am in arrears with AIB on my mortgage to the equivalent of 2½ months. However, on(...)

Haven Mortgages is prepared to consider such cases. Photograph: Alan Betson
First-time buyer Haven for couples where one partner has already had a mortgage

(...) savings to qualify for the required mortgage on her own. Since then, I have had a couple of emails from(...)

This sounds as though they are abusing your generosity as parents to try to sign you on as guarantors for the entire loan – with your own home as security. Photograph: Getty Images
Bank tried to turn gift to son into guarantee of home loan

(...) terms of mortgage lending – or whether they are happy to allow one of the permissible number of(...)

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