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I have savings of €200,000 and am considering spending  €30,000 on a car. Photograph: iStock

(...) 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

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

(...) 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.

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.”

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

(...) 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 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

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

(...) 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

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

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