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details of outstanding mortgage?

  • 22-10-2012 9:58pm
    #1
    bear2011
    Registered Users Posts: 6 ✭


    Hi all. I'm currently interested in buying a property but would like to know if there is an outstanding mortgage on this property and if the mortgage is being serviced, i.e. who is selling the house? builder or bank? Is it possible to find this detail out? cheers


Comments

  • #2
    namloc1980
    Registered Users, Registered Users 2 Posts: 18,330 ✭✭✭✭namloc1980


    A land registry search will let you see who the owner of the property is and what charges/burdens are registered on the property.


  • #3
    bear2011
    Registered Users Posts: 6 ✭bear2011


    Cheers, the land registry does give the details of the owner and lender. I'm in the situation of making an offer on the property (vacant house,never lived in,builders finish but untouched for 4 yrs so getting shook!) but would be interested to know if the mortgage is being serviced for obvious reasons. Don't suppose I can get this info anywhere????


  • #4
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,760 Mod ✭✭✭✭Henry Ford III


    You can't, and frankly it's none of your business.


  • #5
    bear2011
    Registered Users Posts: 6 ✭bear2011


    thanks for your input henry ford iii. All info greatly appreciated.


  • #6
    chris85
    Registered Users, Registered Users 2 Posts: 4,502 ✭✭✭chris85


    I can understand you want this info to leverage your offer for the property but it is not available and none of your business as mentioned. Whatever is owed would have no implication for you when buying the property.


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  • #7
    testicle
    Closed Accounts Posts: 5,429 ✭✭✭testicle


    bear2011 wrote: »
    thanks for your input henry ford iii. All info greatly appreciated.

    He's right, it isn't. Why would you want to know such a thing?


  • #8
    bear2011
    Registered Users Posts: 6 ✭bear2011


    thank you chris85. as you said leverage with the bank is what i was hoping for, anyhow thank you for your information


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