Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie

Opinions on this???

Options
124

Comments

  • Options
    #92
    Mental Mickey
    Registered Users Posts: 10,643 ✭✭✭✭Mental Mickey


    Stheno wrote: »
    It depends, when did you apply for mortgage approval?

    It's generally not the best idea to put an offer in without approval.

    The deposit was paid 3 weeks ago, so around then..... Our offer was accepted. We've gone Sale Agreed.


  • Options
    #93
    HeidiHeidi
    Registered Users Posts: 29,354 ✭✭✭✭HeidiHeidi


    Stheno wrote: »
    It depends, when did you apply for mortgage approval?

    It's generally not the best idea to put an offer in without approval.

    I'd have thought in the current climate it would be unusual for an offer to be accepted without at least approval in principle? :confused:


  • Options
    #94
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 51,688 Mod ✭✭✭✭Stheno


    Mental Mickey wrote: »
    The deposit was paid 3 weeks ago, so around then..... Our offer was accepted. We've gone Sale Agreed.

    If you don't close within a reasonable timeframe, you may well lose that deposit.

    Why did you go sale agreed without having funds in place?

    Three weeks is no time for mortgage approval tbh.


  • Options
    #95
    SusanC10
    Registered Users Posts: 2,432 ✭✭✭SusanC10


    OP - Have you signed Contracts yet ?


  • Options
    #96
    sullivk
    Registered Users Posts: 299 ✭✭sullivk


    Mental Mickey wrote:
    The deposit was paid 3 weeks ago, so around then..... Our offer was accepted. We've gone Sale Agreed.


    When we applied for our mortgage it took approx 11 weeks for us to get our official loan offer from PTSB, it was a nightmare of one paperwork request after another. Our Broker contacted us every fortnight looking for more up to date statements etc.
    Luckily our house was a new build so a bit more flexible. I'd get onto your broker/bank and try to expedite things


  • Advertisement
  • Options
    #97
    Mental Mickey
    Registered Users Posts: 10,643 ✭✭✭✭Mental Mickey


    HeidiHeidi wrote: »
    I'd have thought in the current climate it would be unusual for an offer to be accepted without at least approval in principle? :confused:

    We have AIP


  • Options
    #98
    Mental Mickey
    Registered Users Posts: 10,643 ✭✭✭✭Mental Mickey


    SusanC10 wrote: »
    OP - Have you signed Contracts yet ?

    No


  • Options
    #99
    Mental Mickey
    Registered Users Posts: 10,643 ✭✭✭✭Mental Mickey


    sullivk wrote: »
    When we applied for our mortgage it took approx 11 weeks for us to get our official loan offer from PTSB, it was a nightmare of one paperwork request after another. Our Broker contacted us every fortnight looking for more up to date statements etc.
    Luckily our house was a new build so a bit more flexible. I'd get onto your broker/bank and try to expedite things

    Contacted him today to get him to see what the situation is.

    Edit: he's going to try to escalate it for us.


  • Options
    #100
    Mental Mickey
    Registered Users Posts: 10,643 ✭✭✭✭Mental Mickey


    We've received our loan offer!!!!


  • Options
    #101
    Cathmandooo
    Registered Users Posts: 17,324 ✭✭✭✭Cathmandooo


    Mental Mickey wrote: »
    We've received our loan offer!!!!

    That's great news, exciting times, best of luck with it!


  • Advertisement
  • Options
    #102
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 51,688 Mod ✭✭✭✭Stheno


    Mental Mickey wrote: »
    We've received our loan offer!!!!

    That's brilliant, hope it all goes smoothly now :)


  • Options
    #103
    Mental Mickey
    Registered Users Posts: 10,643 ✭✭✭✭Mental Mickey


    Solicitor getting their copy in the morning.


  • Options
    #104
    Moonbeam
    Moderators, Education Moderators, Society & Culture Moderators Posts: 18,953 Mod ✭✭✭✭Moonbeam


    Congrats:)) you both must be so excited


  • Options
    #105
    Mental Mickey
    Registered Users Posts: 10,643 ✭✭✭✭Mental Mickey


    Moonbeam wrote: »
    Congrats:)) you both must be so excited

    Yep we are!


  • Options
    #106
    Mental Mickey
    Registered Users Posts: 10,643 ✭✭✭✭Mental Mickey


    Took my Dad down to see the area today. Didn't/couldn't go into the house though. Just took him around the estate


  • Options
    #107
    Mental Mickey
    Registered Users Posts: 10,643 ✭✭✭✭Mental Mickey


    Signed contracts with solicitor today


  • Options
    #108
    Mental Mickey
    Registered Users Posts: 10,643 ✭✭✭✭Mental Mickey


    Closing on 19th May


  • Options
    #109
    Samuel T. Cogley
    Registered Users Posts: 10,684 ✭✭✭✭Samuel T. Cogley


    Congratz MM - I assume everyone on boards in invited to the house warming?


  • Options
    #110
    Mental Mickey
    Registered Users Posts: 10,643 ✭✭✭✭Mental Mickey


    Samuel T. Cogley wrote: »
    Congratz MM - I assume everyone on boards in invited to the house warming?

    Lol nice try!!! What should happen next......?


  • Options
    #111
    Samuel T. Cogley
    Registered Users Posts: 10,684 ✭✭✭✭Samuel T. Cogley


    Mental Mickey wrote: »
    Lol nice try!!! What should happen next......?

    If you're closing on the 19th then you hope to move in that day but delays are not uncommon so just have a contingency planned. Hopefully though all grand and you can enjoy your new place.

    A favour if I may - if you get anyone good on the chair-lift/lift front would you PM me contact details for them? Father-in-law is 6'9" tall and is having awful trouble finding someone.


  • Advertisement
  • Options
    #112
    Mental Mickey
    Registered Users Posts: 10,643 ✭✭✭✭Mental Mickey


    Samuel T. Cogley wrote: »
    If you're closing on the 19th then you hope to move in that day but delays are not uncommon so just have a contingency planned. Hopefully though all grand and you can enjoy your new place.

    A favour if I may - if you get anyone good on the chair-lift/lift front would you PM me contact details for them? Father-in-law is 6'9" tall and is having awful trouble finding someone.

    Will do! And 6'9"!!!!!??? Wow!! We won't be moving in that day, as we're going to have to get a lot of access works done to make it suitable for both of us.


  • Options
    #113
    Mental Mickey
    Registered Users Posts: 10,643 ✭✭✭✭Mental Mickey


    ......aaaaaaaaaaaand it's done. We have the house keys!! We can start the fun part now of making it accessible.


  • Options
    #114
    pilly
    Banned (with Prison Access) Posts: 9,005 ✭✭✭pilly


    Congratulations and the very best of luck.


  • Options
    #115
    Mental Mickey
    Registered Users Posts: 10,643 ✭✭✭✭Mental Mickey


    pilly wrote: »
    Congratulations and the very best of luck.

    Cheers


  • Options
    #116
    Mental Mickey
    Registered Users Posts: 10,643 ✭✭✭✭Mental Mickey


    Hi all.


    We've run into a sticky situation in terms of making the house accessible.


    We have tried out a couple of stairlifts that, for various reasons, are unsuitable for both of us.



    A through floor lift had been suggested, but these cost in the region of 10k.

    We don't qualify for any grant funding due to the income threshold limits.

    We have already applied for a loan through thr credit union for the wedding, so cannot see us getting any other loan...?


    Any ideas where we could go from here??


  • Options
    #117
    pilly
    Banned (with Prison Access) Posts: 9,005 ✭✭✭pilly


    Mental Mickey wrote:
    We have already applied for a loan through thr credit union for the wedding, so cannot see us getting any other loan...?


    This may sound a bit cheeky but ask all your wedding guests for cash only?


  • Options
    #118
    Mental Mickey
    Registered Users Posts: 10,643 ✭✭✭✭Mental Mickey


    We're moving into the house BEFORE we get married, so that has to be ready first.


  • Options
    #119
    AndrewJRenko
    Registered Users Posts: 29,006 ✭✭✭✭AndrewJRenko


    Is it the main stairs that is the issue? Straight stairs or 1 or 2 legs on the stairs?


  • Options
    #120
    SteelyDanJalapeno
    Registered Users Posts: 14,300 ✭✭✭✭SteelyDanJalapeno


    Is the wedding date set in stone?


  • Advertisement
  • Options
    #121
    pilly
    Banned (with Prison Access) Posts: 9,005 ✭✭✭pilly


    Mental Mickey wrote: »
    We're moving into the house BEFORE we get married, so that has to be ready first.

    I'll be honest Mickey I think you're stretching yourself all over the place here. New mortgage, credit union loan for the wedding and now you've to have this done? It's a matter of priorities really isn't it? Something has to give.

    Are there not bedrooms downstairs that you could live downstairs for the meantime and save up? As I recall its a dormer bungalow yeah? Do they not usually have a bedroom downstairs?


Advertisement