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Rebuilding Ireland home loan

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    #1862
    Milenauno
    Closed Accounts Posts: 96 ✭✭Milenauno


    Hi, does anyone had a surveyor’s report indicating the essential works to be done and an approximate cost for those works (that is high). This is reflected in valuation that states the actual value of the house that is under 320 and then states the value of the house after works are done that is higher. Could that be a problem for the final approval? Will DCC ask to do the works before?


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    #1863
    Stekell
    Registered Users Posts: 31 ✭Stekell


    Hello, has anyone been told that the work & GP letter are no longer a requirement? We have our final meeting with DCC next week and my GP is away but phoned DCC and was told the work and GP letter are no longer required, can anyone that has recently met with their council, confirm this?


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    #1864
    Johnny 1988
    Registered Users Posts: 2 ✭Johnny 1988


    Hello, yes I was today for final meeting with Fingal CoCo and they didn’t ask for letter from Gp or work.


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    #1865
    Milenauno
    Closed Accounts Posts: 96 ✭✭Milenauno


    Stekell wrote: »
    Hello, has anyone been told that the work & GP letter are no longer a requirement? We have our final meeting with DCC next week and my GP is away but phoned DCC and was told the work and GP letter are no longer required, can anyone that has recently met with their council, confirm this?

    Hi, I had the final meeting with DCC 2 weeks ago and those letters were still required. It must be something new and very recent.


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    #1866
    Salanky
    Registered Users Posts: 86 ✭✭Salanky


    At last got a phone call from Louth Coco following the announcement the other day and applications are back open. Heres hoping the rest of the council who stopped will be back up and running too.


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    #1867
    Johnny 1988
    Registered Users Posts: 2 ✭Johnny 1988


    Hi,I will need a home insurance with CoCo on the name? How it’s working it’s something special insurance? Thanks


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    #1868
    Shamboo1801
    Registered Users Posts: 105 ✭✭Shamboo1801


    Johnny 1988 wrote:
    Hi,I will need a home insurance with CoCo on the name? How it’s working it’s something special insurance? Thanks


    It's just standard home insurance you can purchase from any company. You just need to mention the lending council on it.


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    #1869
    givyjoe
    Registered Users Posts: 3,287 ✭✭✭givyjoe


    Salanky wrote: »
    At last got a phone call from Louth Coco following the announcement the other day and applications are back open. Heres hoping the rest of the council who stopped will be back up and running too.

    What was the announcement? Missed it myself, specific to Louth or ..?


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    #1870
    Salanky
    Registered Users Posts: 86 ✭✭Salanky


    givyjoe wrote: »
    What was the announcement? Missed it myself, specific to Louth or ..?

    It was in the irish times a few days back that there is loads of funding being given to the councils but they have to be more careful with it. I only had my name down for Louth so not sure about other councils but probably worth a ring to their housing dept to find out.


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    #1871
    Karl12byrne
    Registered Users Posts: 5 ✭Karl12byrne


    Hi

    Just a quick question in relation to the 12 months savings you need to show for the deposit

    I was paying 500 rent for 3 years and a car loan of 360 a month

    I have since moved back home and Iv been saving 2000 a month for the past 2 months.

    I am going to be gifted 7% of the deposit and I have the 3% saved will the 500 and the 360 for the car loan cover the statments needed for the savings


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    #1872
    kbman
    Registered Users Posts: 119 ✭✭kbman


    Hi,

    Has anyone applied lately to Wicklow CC?
    I applied in May at changing of staff, wanted to talk to them about figures but they couldn't give us the time.
    Therefore was processed some time in June.
    Now looking for updates past week or so after finding house and just getting radio silence.
    No approval or idea where we are in the application process.

    Applied to DLR CC a month before and they're putting application before credit committee 2-3 weeks time.

    Anyone else applied through Wicklow May/June time with same issues? I met a couple who had got letter at least a month ago, and they were a month before us. Difficult to know what's happening when emails and phone calls aren't returned.


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    #1873
    Thatgirlthere
    Registered Users Posts: 5 ✭Thatgirlthere


    kbman wrote: »
    Hi,

    Has anyone applied lately to Wicklow CC?
    I applied in May at changing of staff, wanted to talk to them about figures but they couldn't give us the time.
    Therefore was processed some time in June.
    Now looking for updates past week or so after finding house and just getting radio silence.
    No approval or idea where we are in the application process.

    Applied to DLR CC a month before and they're putting application before credit committee 2-3 weeks time.

    Anyone else applied through Wicklow May/June time with same issues? I met a couple who had got letter at least a month ago, and they were a month before us. Difficult to know what's happening when emails and phone calls aren't returned.


    We applied to WWCC at the end of May. The issue is that there is only one staff member dealing with the RBIHL and she also has a number of other jobs that she does apparently. She took 2 weeks holidays in May and is just back from another holiday this week apparently!!! While she is away, no one even looks at the applications. Nothing gets dome with them...

    The other staff couldn't even tell us where our application was. This week I got an email from her telling us our application is with the Housing Agency.

    If I was you I would ring the housing section, and ask to speak with her directly. It's very frustrating though.


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    #1874
    Thatgirlthere
    Registered Users Posts: 5 ✭Thatgirlthere


    Karl12byrne wrote: »
    Hi

    Just a quick question in relation to the 12 months savings you need to show for the deposit

    I was paying 500 rent for 3 years and a car loan of 360 a month

    I have since moved back home and Iv been saving 2000 a month for the past 2 months.

    I am going to be gifted 7% of the deposit and I have the 3% saved will the 500 and the 360 for the car loan cover the statments needed for the savings

    As far as I'm aware a car loan doesn't count. Open to correction on this though...


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    #1875
    kbman
    Registered Users Posts: 119 ✭✭kbman


    Thatgirlthere wrote: »
    We applied to WWCC at the end of May. The issue is that there is only one staff member dealing with the RBIHL and she also has a number of other jobs that she does apparently. She took 2 weeks holidays in May and is just back from another holiday this week apparently!!! While she is away, no one even looks at the applications. Nothing gets dome with them...

    The other staff couldn't even tell us where our application was. This week I got an email from her telling us our application is with the Housing Agency.

    If I was you I would ring the housing section, and ask to speak with her directly. It's very frustrating though.

    Thanks for that, that's exactly what i have been doing, 4-5 calls each day and still no luck, the only thing i havent done but considered was going down there, but not sure i'd get any useful information.

    I'll keep trying, best of luck with your application.


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    #1876
    scabo33
    Registered Users Posts: 82 ✭✭scabo33


    Has any one been successful getting more than 90% of the Mortgage value? Our house is a new development but its only builders finish and we have asked for additional funds.


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    #1877
    Salanky
    Registered Users Posts: 86 ✭✭Salanky


    scabo33 wrote: »
    Has any one been successful getting more than 90% of the Mortgage value? Our house is a new development but its only builders finish and we have asked for additional funds.

    As far as I know its 90% of the purchase price as a maximum even if they approved you for more.


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    #1878
    scheister
    Registered Users Posts: 1,309 ✭✭✭scheister


    scabo33 wrote: »
    Has any one been successful getting more than 90% of the Mortgage value? Our house is a new development but its only builders finish and we have asked for additional funds.

    Is it possible to use the Help to buy in this case. Reduce the money you are paying as part of the deposit and frees that money to be used to finish the house.


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    #1879
    scabo33
    Registered Users Posts: 82 ✭✭scabo33


    scheister wrote: »
    Is it possible to use the Help to buy in this case. Reduce the money you are paying as part of the deposit and frees that money to be used to finish the house.

    Thank you. I applied for HTB and it came up I had an issue with tax in 2016 which was false. They have written to my ex employer who won’t reply. I have chased and chased so it’s a dead end sadly. Revenue not budging


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    #1880
    alwx777
    Registered Users Posts: 4 ✭alwx777


    Waiting for over a week on getting the draft on the family home declaration from my solicitor to give to DCC. Did anyone else have hassle getting this? From what I understand they just need to email a simple draft version of the doc, solicitor doesn't seem to realize and it's holding up everything (I assume DCC won't send my form 3 and other docs that I gave them on for final approval until they have this?). So close to finally jumping through the last hoop but this one is proving the most difficult!


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    #1881
    JessC1987
    Registered Users Posts: 27 ✭JessC1987


    alwx777 wrote: »
    Waiting for over a week on getting the draft on the family home declaration from my solicitor to give to DCC. Did anyone else have hassle getting this? From what I understand they just need to email a simple draft version of the doc, solicitor doesn't seem to realize and it's holding up everything (I assume DCC won't send my form 3 and other docs that I gave them on for final approval until they have this?). So close to finally jumping through the last hoop but this one is proving the most difficult!

    Hi there! You need that to move forward, at least I did with DCC. I applied with my partner and we had our solicitor do up a draft doc and she put us both on the same declaration (her error), we should have had 2 separate ones as we're not married so we had to scramble to get her to do 2 separate ones so just be mindful of that if your applying as a couple. You need to just continue to push your Solicitor to get them done unfortunately, my Solicitor had a soft copy on her computer so all she needed to do was change the names and address details on them so they really shouldn't be that hard for your Solicitor to sort for you. Best of luck with it :)


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    #1882
    alwx777
    Registered Users Posts: 4 ✭alwx777


    JessC1987 wrote: »
    Hi there! You need that to move forward, at least I did with DCC. I applied with my partner and we had our solicitor do up a draft doc and she put us both on the same declaration (her error), we should have had 2 separate ones as we're not married so we had to scramble to get her to do 2 separate ones so just be mindful of that if your applying as a couple. You need to just continue to push your Solicitor to get them done unfortunately, my Solicitor had a soft copy on her computer so all she needed to do was change the names and address details on them so they really shouldn't be that hard for your Solicitor to sort for you. Best of luck with it :)

    Thanks Jess, this is helpful!


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    #1883
    kbman
    Registered Users Posts: 119 ✭✭kbman


    Thatgirlthere wrote: »
    We applied to WWCC at the end of May. The issue is that there is only one staff member dealing with the RBIHL and she also has a number of other jobs that she does apparently. She took 2 weeks holidays in May and is just back from another holiday this week apparently!!! While she is away, no one even looks at the applications. Nothing gets dome with them...

    The other staff couldn't even tell us where our application was. This week I got an email from her telling us our application is with the Housing Agency.

    If I was you I would ring the housing section, and ask to speak with her directly. It's very frustrating though.

    Thanks, I had been trying several times in am but afternoon/evening time worked best. My application is also with housing agency. 0


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    #1884
    Stekell
    Registered Users Posts: 31 ✭Stekell


    Hello all, can anyone have a time frame how long it takes between handing in the final documents and getting the loan pack? We had our final meeting with DCC on Tuesday to hand over our final documents and are wondering how long before we get the loan pack


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    #1885
    teron3
    Registered Users Posts: 1 ✭teron3


    Stekell wrote: »
    Hello all, can anyone have a time frame how long it takes between handing in the final documents and getting the loan pack? We had our final meeting with DCC on Tuesday to hand over our final documents and are wondering how long before we get the loan pack

    It took about two weeks since i submitted all the documents and my solicitor received the loan pack.


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    #1886
    Stekell
    Registered Users Posts: 31 ✭Stekell


    teron3 wrote: »
    It took about two weeks since i submitted all the documents and my solicitor received the loan pack.

    cheers thanks, hopefully we are looking at the same time frame. It seems the closer you get to the end the longer it takes


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    #1887
    Salanky
    Registered Users Posts: 86 ✭✭Salanky


    Application gone into Louth Coco this morning....now the wait to see if its approved this time round.


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    #1888
    kbman
    Registered Users Posts: 119 ✭✭kbman


    Can someone link me to the mortgage protection policy application form from utmost? Please? I could find previously but haven't gad any luck today. I saw it either on this thread or a different rbi thread.

    Many thanks


    I just found it on page 66 of this thread just took a while, thanks


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    #1889
    kbman
    Registered Users Posts: 119 ✭✭kbman


    Anyone applied for new build through this scheme?
    I put deposit down on new build.
    Builders pushing me to sign contracts, but haven't got loan approval yet.
    Just wondering what i'd be looking for instead of surveyors report?
    When I called a surveyor he said you'd be looking at a snagging list, but surely you'd do snagging at the end of the project and not when you've not got anything started yet.


    Thanks in advance


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    #1890
    Stekell
    Registered Users Posts: 31 ✭Stekell


    Hello,

    Just a quick question, when you receive the loan pack is there a 3 week period to think over the decision before accepting the loan?


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    #1891
    alwx777
    Registered Users Posts: 4 ✭alwx777


    Stekell wrote: »
    Hello all, can anyone have a time frame how long it takes between handing in the final documents and getting the loan pack? We had our final meeting with DCC on Tuesday to hand over our final documents and are wondering how long before we get the loan pack

    Hey Stekell, have you heard from them yet? Do you know do they contact you directly?


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