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Saving/Applying for a mortgage 2015/16/17/18/19

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    #812
    Santy2015
    Registered Users Posts: 1,065 ✭✭✭Santy2015


    angeldelight wrote: »
    Sale agreed!

    Congratulations :) it feels very real once you see that sale agreed sign


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    #813
    Sono
    Registered Users Posts: 2,413 ✭✭✭Sono


    angeldelight wrote: »
    Sale agreed!


    Congrats, now the funny really begins! Best of luck with it all, a stressful time and I hope I don't have to do it again any time soon.


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    #814
    angeldelight
    Registered Users Posts: 5,175 ✭✭✭angeldelight


    Thanks guys! Estate agent is talking about 4-6 weeks to close as the property is currently empty. I've had a busy morning but think everything we can do for now is done


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    #815
    SarahMollie
    Closed Accounts Posts: 2,843 ✭✭✭SarahMollie


    angeldelight wrote: »
    Thanks guys! Estate agent is talking about 4-6 weeks to close as the property is currently empty. I've had a busy morning but think everything we can do for now is done

    The place I bought was empty and it still took 4 months!


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    #816
    geez
    Registered Users Posts: 229 ✭✭geez


    Hi so when you go sale agreed on a property how long after do you have to pay the booking deposit? Like that day or are you usually given a few days?


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    #817
    hawkeye_bmr
    Registered Users Posts: 403 ✭✭hawkeye_bmr


    We paid the day after.


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    #818
    geez
    Registered Users Posts: 229 ✭✭geez


    hawkeye_bmr wrote:
    We paid the day after.


    Thanks hawkeye


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    #819
    mollybird
    Registered Users Posts: 1,053 ✭✭✭mollybird


    Prob a stupid question but what is the difference between a sale and sale agreed? we hoping to hear from the bank today or tommorow on when we can go and talk about our mortgage. miles away from your stage angel delight. :)


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    #820
    Baby01032012
    Registered Users Posts: 1,622 ✭✭✭Baby01032012


    mollybird wrote: »
    Prob a stupid question but what is the difference between a sale and sale agreed? we hoping to hear from the bank today or tommorow on when we can go and talk about our mortgage. miles away from your stage angel delight. :)

    Sale agreed is once agent confirms seller has agreed to accept your offer. It's a word of mouth agreement. It's always subject to contract. You pay your €5k booking deposit pretty much immediately. Then you engage your solicitor, provide their details to the estate agent who will confirm status and provide sellers solicitors details. How long the legal process until sale completion is anyone's guess, it all depends on what the solicitors searches and queries throw up and responses given. Either party can pull out at any stage up until contracts are signed.


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    #821
    Santy2015
    Registered Users Posts: 1,065 ✭✭✭Santy2015


    geez wrote: »
    Hi so when you go sale agreed on a property how long after do you have to pay the booking deposit? Like that day or are you usually given a few days?

    We paid 4 days later and make sure you get a receipt


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    #822
    angeldelight
    Registered Users Posts: 5,175 ✭✭✭angeldelight


    We paid the day after by electronic transfer


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    #823
    mollybird
    Registered Users Posts: 1,053 ✭✭✭mollybird


    we are currently waiting on the bank to get back to us on a day to meet with them next week to talk about the mortgage. they were supposed to get back to himself in the afternoon but they never did. :mad::mad:


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    #824
    guile4582
    Registered Users Posts: 1,139 ✭✭✭guile4582


    what ratio of your take home monthly salary should you be spending on mortgage monthly repayments?

    I am trying to figure out what I can pay back.

    currently between rent and savings I live on 32% of my take home

    I am cohabiting with my partner,she is living on similar


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    #825
    El_Dangeroso
    Users Awaiting Email Confirmation Posts: 5,620 ✭✭✭El_Dangeroso


    Just went Sale Agreed!

    After 2 long years of looking. Just so relieved.


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    #826
    Naid23
    Registered Users Posts: 1,212 ✭✭✭Naid23


    El_Dangeroso wrote: »
    Just went Sale Agreed!

    After 2 long years of looking. Just so relieved.

    Congrats.
    Wow 2 years is a long time :)


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    #827
    Tuesday_Girl
    Registered Users Posts: 388 ✭✭Tuesday_Girl


    El_Dangeroso wrote: »
    Just went Sale Agreed!

    After 2 long years of looking. Just so relieved.

    Congratulations, must be a great feeling.

    I've been looking for about 15 months, hoping to find something soon but there ain't much out there.


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    #828
    El_Dangeroso
    Users Awaiting Email Confirmation Posts: 5,620 ✭✭✭El_Dangeroso


    Tuesday_Girl wrote: »
    Congratulations, must be a great feeling.

    I've been looking for about 15 months, hoping to find something soon but there ain't much out there.

    Thanks! It really is!

    Only advice I can give you is to keep the faith. We were bidding on another house in this estate before Christmas, and got outbid.

    Then we got this one for 10K less, so pretty chuffed at that!


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    #829
    Santy2015
    Registered Users Posts: 1,065 ✭✭✭Santy2015


    El_Dangeroso wrote: »
    Just went Sale Agreed!

    After 2 long years of looking. Just so relieved.

    Congrats :)


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    #830
    Tuesday_Girl
    Registered Users Posts: 388 ✭✭Tuesday_Girl


    El_Dangeroso wrote: »
    Thanks! It really is!

    Only advice I can give you is to keep the faith. We were bidding on another house in this estate before Christmas, and got outbid.

    Then we got this one for 10K less, so pretty chuffed at that!

    Well, having been sure I was out of the picture on a house I viewed a while back I just got the news that the other party has dropped out of the bidding and my offer has been accepted :):p


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    #831
    El_Dangeroso
    Users Awaiting Email Confirmation Posts: 5,620 ✭✭✭El_Dangeroso


    Tuesday_Girl wrote: »
    Well, having been sure I was out of the picture on a house I viewed a while back I just got the news that the other party has dropped out of the bidding and my offer has been accepted :):p

    Oh WOW! Congrats!! I'd like to think I influenced that cosmic-ly somehow LOL!


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    #832
    Tuesday_Girl
    Registered Users Posts: 388 ✭✭Tuesday_Girl


    El_Dangeroso wrote: »
    Oh WOW! Congrats!! I'd like to think I influenced that cosmic-ly somehow LOL!

    I'm quite sure you did, cheers!! :D


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    #833
    sadie1502
    Registered Users Posts: 666 ✭✭✭sadie1502


    We are currently bidding in a house too but when do you bring in the surveyor to check out the house ? Is that after you get sale agreed ? All new to this process and congratulations to every one who has sale agreed exciting times.


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    #834
    angeldelight
    Registered Users Posts: 5,175 ✭✭✭angeldelight


    Yep after sale agreed


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    #835
    Hombre Lobo
    Registered Users Posts: 265 ✭✭Hombre Lobo


    El_Dangeroso wrote: »
    Just went Sale Agreed!

    After 2 long years of looking. Just so relieved.

    Well done. Fingers crossed for you that the sale goes through. So many stories here of Sale agreed's falling through here.

    Meanwhile I'm stuck in a bidding war the last few weeks, and only seem to be getting an update on a weekly basis so it's really starting to drag out now :silly:


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    #836
    Glen_Quagmire
    Registered Users Posts: 1,137 ✭✭✭Glen_Quagmire


    Drove through Royal Canal Park in Ashtown today and there is a good few houses being built there at the moment. Anyone any idea what price these are going for?


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    #837
    PhoenixParker
    Registered Users Posts: 2,677 ✭✭✭PhoenixParker


    I was there today for a wander past (we bought in one of the earlier phases).

    There was a new launch today of the four beds along Bridge Avenue and the 3 beds on Phelan Drive East. About half of them sold today, it's open again at 2pm tomorrow.

    4 bed Heron are now E380K
    4 Bed Willow End of Terrace are E400k
    4 Bed with garage E410K

    I believe the 3 bed detached were E375K.

    There's a big thread on it

    http://www.boards.ie/vbulletin/showthread.php?p=99437173


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    #838
    Naid23
    Registered Users Posts: 1,212 ✭✭✭Naid23


    Went to view our first house today! All very real now that the process has begun.


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    #839
    Irish_rat
    Registered Users Posts: 2,555 ✭✭✭Irish_rat


    Guys,

    I'm moving into my place in 2 months. It's a new build 3 bed semi d.

    Few questions:

    Can I only do the valuation and home insurance at completion date if not earlier?

    I got Life Insurance out a month ago so I assume the bank will accept that.

    Thanks.


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    #840
    Rew
    Moderators, Sports Moderators Posts: 8,679 Mod ✭✭✭✭Rew


    Irish_rat wrote: »
    Guys,

    I'm moving into my place in 2 months. It's a new build 3 bed semi d.

    Few questions:

    Can I only do the valuation and home insurance at completion date if not earlier?

    I got Life Insurance out a month ago so I assume the bank will accept that.

    Thanks.

    The bank/mortgage need to be the beneficiary of your life insurance so you will need to adjust the policy. You cant insure what you don't own so you need to take out house insurance once you become liable for the house. I have no idea with a new build when that actually is.


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    #841
    guile4582
    Registered Users Posts: 1,139 ✭✭✭guile4582


    greedy bump ;)

    someones life changing news of sale agreed stole me thunder ;)

    guile4582 wrote: »
    what ratio of your take home monthly salary should you be spending on mortgage monthly repayments?

    I am trying to figure out what I can pay back.

    currently between rent and savings I live on 32% of my take home

    I am cohabiting with my partner,she is living on similar


This discussion has been closed.
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