Getting evicted, baby due in 5 weeks

SupaCat95

https://www.boards.ie/discussion/comment/123025332#Comment_123025332

I never said the word "shortcut" , however I am interested in Citizenship By Investment. I do know some of the fastest citizenships by investment take 6 months. I do have experience with homelessness and it is coming very quickly. Its **** when you get out priced out of the market no matter what you do.

SupaCat95

https://www.boards.ie/discussion/comment/123025341#Comment_123025341

I never said they should not get proper notice but the reality is the Landlord wants them out of the house and it is the end result. Whether it happens in 6 weeks or 6 months or 2 years (like my friends). The homeless in 6 months is in reference to the time they probably have on the current rented house. "Seeking to buy" doesn't mean anything, have they got mortgage approval? A good deposit is something but not the key to the door of a new home.

I honestly do not know as I or none of my friends have ever emigrated to Australia as adults with families in tow. All my friends/peers/family would have been living at home or in a house share when renting a room was cheap and easy in a city. So I cannot compare like with like. I would with no house, interviews, professional paperwork, letting both immigration and recruiters know your intentions …. guessing three months but more realistically 6 months at the earliest. More people have moved faster in history with less when they could see what the future held.

Much of it is down to motivation. They dont have many ties holding them back. Granted the grandparents are elderly but they will understand it is the best for the grandchildren's future. They have a young family, educated and experienced.

I am not seeing anyone else offering up any ideas that see beyond 6 months.

There is always a chance they could come back from the middle east but once they go to Australia, it is very difficult to get back and bring money home of substantial quantity. I only know of one person who has done this.

SupaCat95

https://www.boards.ie/discussion/comment/123025290#Comment_123025290

Oh yeah I was in the same situation there 4-6 years ago and could afford rent but couldn't rent with only one income. I was in the same place for 4 years with unsuitable accommodation. I would have moved if we could. There was "awwww That is really tough", lots of helpful advice from charities but no help, same for county council and same from politicians. The people picking holes in my solutions have never been desperate for accommodation. I was over in Birmingham about 15 years ago and saw the future for Ireland and I wanted to move after that. Been trying to since with various set backs and emotional blackmail. There is no doubt government policy is behind this but you have to look out for you and yours.

arctictree

To those advising to overhold, surely they will never be able to rent again this country?

SupaCat95

https://www.boards.ie/discussion/comment/123026012#Comment_123026012

That hold overthing legal or not, will not help in the longer term past 6 months?.

Well there goes your letter of reference ………

All letting agents in an area know each other because they all went to the same school, gym, rugby club and golf club. They all phone each other regularly for references. Shure they cut the backs off eachother in the market place but they are all old school buddies.

If an EMT and an SRN are having problems now (because we were one Manager and one on Disability), how long do you think it will take to reach the next level of two white collar workers? or Two managers?

Mellor

https://www.boards.ie/discussion/comment/123025630#Comment_123025630

You said the working in the “territories” was an assistance in citizenship. It isn’t. It makes no difference.

Investment migration visa requires you to invest 1.5m for a number of years before you can even apply. You also have to be already in Australia fir a couple of years to apply. silly suggestion really.

https://www.boards.ie/discussion/comment/123025785#Comment_123025785

Will take a few months to get paperwork together. Processing takes 8-9months. So looking at 12 months minimum. So really of zero benefit here.

Also, the idea that you can’t bring money home of substantial quantity is way off. plenty of people saving a lot while earning a lot and come home. Though prob not those you knew In cheap house shares.

Your knowledge seems quite limited on the matter, not sure why your recommending an option you know little about

Former Former Former

Jesus. The OP came looking for advice on a pressing matter and the thread has been totally hijacked by one poster who's only interested in pushing his own political agenda and grievances with Ireland.

If the guy wanted tips on making a new life in the outback, I'm guessing he would have asked for them.

Ezeoul

https://www.boards.ie/discussion/comment/123026012#Comment_123026012

Of course they will.

Many people who are being evicted now, are being pushed into impossible situations as there is so little supply of available rentals. Where are they supposed to go? They are having the same difficulties as the OP. Not everyone can be punished forever for a crisis in the market now (and god knows how long it will continue, there seems to be no end in sight).

(eta) in this case I am a little suspicious of the letting agent. No formal notice, wrong length of notice mentioned…. call me a cynic, but I'd be suspicious that the agent has someone else in mind for the house, (friend, family member?) and it may not be coming from the landlord, at all.

deirdremf

I find the suggestion that the solution to the problem is "Go away" to be the least helpful one of all.

The best solution IMO is to go the RTB route. Do not help the landlord or the agency in any way; ignore the request to leave until it is issued in the legally-approved format. Furthermore, check that the property is on the RTB register - if not, there would be tax and compliance issues for the landlord/agency. Here's the link to the register

Look at your contract - it is probably a standard contract with no specifics re a 1-year lease, but I would imagine that the RTB would consider the minimum period stated in the advertisement as binding, and if not you could take the landlord and the agency to court for false advertising, if you wanted to go down that route.

SupaCat95

https://www.boards.ie/discussion/comment/123026098#Comment_123026098

I never said I was interested in Australia as citizenship by investment. I am more interested in cheaper countries like Caribbean (Antigua, St Lucia and Dominica not Kitts and Nevis) before it started to rise and South America. According to Andrew Henderson of Nomad Capitalist who I follow and read his book. It is difficult but not impossible. Australia discourage you from taking money out through taxation. Then when you bring it back into Ireland you have to pay tax on it again unless it is 3 or 4 years old. You are caught either way.

When we had cheap house shares it was 25 years and it was the done thing to voluntarily go to Australia for 12-24 months. They were all nurses, engineers and teachers starting out in life. Nice of you to cast dispersion on my family and associates you know nothing about. I have never heard of a mature person with a family come back from Australia, when they go they stay (I have two cousin with mature families out there with no intention of returning). I have heard of young people immediately out of university go there to either get their career kick started or get a deposit for a house.

Bahrain, UAE and Qatar are all open for business. Kuwait and Oman would be less attractive. Legitimate countries, tax free, housing allowance, public health care etc.

I would be for Australia personally. Too much high tax and high price of property. If there was ever to be a recession in Australia it would hit hard.

Lets hear your suggestions apart from "hold fast". Now it has to be a strategy that will lead to be able to rent own a house for 5 years or more. Allow them save for a pension and provide for three children up to university level. All you are capable of is denigerating me without any positive suggestions.

deirdremf

https://www.boards.ie/discussion/comment/123026012#Comment_123026012

Who has advised that they overhold?

Or do you mean stand on their legal rights? I've been in this situation, and rented several times after going to the RTB, which included having my name published in the Irish Times as having taken and won my case.

Someone else has suggested that standing up for yourself would lead to you not getting a reference. Providing that you followed the legal route to the letter, refusal to provide you with a proper reference would be a cause for a case against LL/agency.

SupaCat95

https://www.boards.ie/discussion/comment/123026171#Comment_123026171

There is a difference between a strategic withdrawal on your own terms and being pushed out on your chinstrap. I recognise I am on the next rung up in the next few years. I am taking steps to go too before the taxman strips the shirt on my back. Cant decide what to do, retire early or look at new projects overseas, luckily for me I will have the option of both.

SupaCat95

You do know nobody has to give you a personal reference anymore. Most place dont for legal reasons other he/she worked/rented here from X to Y. Its not important what they say its what they dont say that speaks volumes.

SupaCat95

https://www.boards.ie/discussion/comment/123026171#Comment_123026171

Part of me thinks that too, that is a more "tax efficent" person he wants to rent to. The notice has certainly not be given due course and procedure.

Private Joker

Was there not legislation brought in last year that required the tenant's first refusal on purchasing a property? I definitely know it was proposed by the housing minister

RoyalCelt

This right here is everything that's wrong with modern day Ireland. And it's only going to get worse.

Emblematic

https://www.boards.ie/discussion/comment/123026344#Comment_123026344

I don't think it applies if you evict very shortly after taking on a tenant.

mrslancaster

https://www.boards.ie/discussion/comment/123026344#Comment_123026344

No legislation, just proposed back in June or July iirc. Didn’t progress and then lapsed when the Dail was dissolved.
Heard a few landlords talk about it, said if it passed they would give notice immediately and leave the rental market.

Not good for tenants when stuff like that happens, landlords are needed otherwise there’s even less available to rent.

Emblematic

https://www.boards.ie/discussion/comment/123026431#Comment_123026431

I'm not so sure that having a large number of small landlords entering and exiting the market (with evictions when they wish to sell) is the correct way to go. They are inserting themselves between potential owner occupiers (such as the OP on this thread) and the places they wish to buy and not providing much security to families in return. Effectively, the more small landlords that buy up properties the less opportunities families have to form in the country since the security these landlords offer is not sufficient and the property is no longer available to buy.

mrslancaster

https://www.boards.ie/discussion/comment/123026614#Comment_123026614

Where security of tenure is concerned, all landlords are covered by the same legislation so all PR tenants are entitled to the same rules regarding their tenancy.
I agree that large residential letting organisations with multiple shareholders may have a different business model to an individual with one or two properties, but currently we have a mix of suppliers and maybe there’s room for both, similar to local shops vs supermarkets. That may change over time.

As for individual single property landlords buying up properties and depriving families, well from what I can see, large organisations both national and foreign, local councils, and AHB’s are the real culprits there. IMO.

gameoverdude

https://www.boards.ie/discussion/comment/123026344#Comment_123026344

I think I was wrong when I said no.

Good post above that corrected me.

Still an awful law.

kippy

https://www.boards.ie/discussion/comment/123025785#Comment_123025785

I think what you've advised really is jumping the gun, theres almost always an alternative that works out better than uprooting a young family from it's support network and going on a 24 hour flight to essentially more uncertainty where you don't have that support network. Don't get me wrong, that may work for plenty people and situations but it's not for everyone.

The first step here is going to a mortgage broker. Although I anticipate your partner's impending birth may cause a minor issue. It is still imperative that you see what you can get money wise.

Then try buy yourself more time. Go to threshold and see what the options are with respect to notice period and how best to play the game here. It may also be worth going to Citizens advice. I have found them beneficial in the past. See how best to approach the LL to offer something for the house.

Once you have some more time on your hands and exhausted the avenues above you probably need to see where on the country you could realistically afford that isn't going to kill you commuting wise even if that goes outside of your preferred areas etc

Once you've done all that and exhausted all avenues maybe it is worth exploring going further afield but it shouldn't be the first thing you look at in your situation in my opinion.

Sleepy

You may have to revisit your idea of what a suitable home for raising a family in looks like OP.

If, for example, you can't afford a 200sqm detached place on a quarter of an acre three miles outside the village where everyone gets their own room you may need to look at the 100sqm bed terrace in the village that's a bit out-dated, could do with some upgrading of the insulation etc. and / or where a couple of the kids will have to share a bedroom.

Forgive me if your expectations are already realistic but when you mention "living rural" it does usually translate to an expectation of a much larger footprints than most urban dwellers have to make do with.

Emblematic

https://www.boards.ie/discussion/comment/123026876#Comment_123026876

Might I ask what your reasoning is for the last paragraph? The sort of scenario that the OP finds themselves in is almost always due to a small landlord.

gameoverdude

https://www.boards.ie/discussion/comment/123026986#Comment_123026986

I'd also take into account utilities. Broadband, sanitation, electricity supply. Just look how long it takes repairs after a bit of snow. Not an esb worker issue by the way. They do fantastic work, but you won't be a priority.

mrslancaster

https://www.boards.ie/discussion/comment/123027004#Comment_123027004

Yes, I’d say a lot of small landlords make mistakes that a large organisation would not, and while that can help a tenant to delay moving out, it can be extremely stressful and cause huge worry.

If a tenant finds themselves in a situation where the landlord is intentionally breaking the law, absolutely they should raise a dispute with the rtb. Dodgy landlords are a disgrace.

I don’t think the OP has been served with an official NoT yet, but if the LL makes any errors, the OP should definitely dispute it.

SupaCat95

Landlords come in all shapes and sizes. Why do you think a larger scale land lord would be better than a smaller land lord with two or three houses? I also dont think everyone should own their own house. I have neighbours whos facia and soffits are fallen off. ……… spacers. I had a small land lord once who travelled 80 miles from his holiday home because a coin got jammed in a coin meter and he didnt want me to be cold the next day in the flat. He didnt set the meter high or charge me for service charge. Just a guy who wanted his rent paid on time before the end of the month.

SupaCat95

https://www.boards.ie/discussion/comment/123027022#Comment_123027022

If you are living in the country you are prepared to deal with that. You have the solid fuel stove, the emergency diesel burners with back up batteries (Vevor). You watch the weather and you know its coming. So you have books, tea lights, Power banks, slow all day stews in cast iron pots, Deep freezer full, hot water bottles, wool blankets. indoor games, Jerry cans of diesel, Wavin water cans (Militarysurplus.eu).

Snow like this comes once in 10 years and you are prepared for it about two weeks before it came. I was predicting this before Christmas from UK weather report and I was being laughed at by family.

SupaCat95

Once all the small landlords are gone out of the market and there are only a few vulture funds and "charities". What do you think the big lads are going to do to the rents?

TracyMartell

I don’t understand why you’re looking for a 3 or 4 bed house when you could look for a smaller cheaper place?

SupaCat95

https://www.boards.ie/discussion/comment/123026986#Comment_123026986

You would be surprised but rural people have to more frugal with their money. it is harder to come by and harder earned. I used to have a friend from the inner city in Cork giving out about not having educational opportunities but he lived within walking distance from UCC in Cork. He just got the first job he could. He never applied himself to his studies in school. In the country we most have f'all as I was told growing up. We had no pub, farm or anything. We were neither GAA or Ascendancy. So our only way out was education. You can always pick up a job somewhere in the city if you have a bit of initiative.

The 300k A rated house in the town costs as much as the second hand 200k D rated one in the country side after you add in insulation, rewiring, plumbing and what not. I would put my trust in an old house any day over the late 1990's house I have today.

babyducklings1

https://www.boards.ie/discussion/comment/123023014#Comment_123023014

Why the what ? And all the likes? It’s beyond nuts that this couple who are essential workers ( and with a baby on the way) are in this situation. It’s &ucking appalling.

Dial Hard

The first step here is going to a mortgage broker. Although I anticipate your partner's impending birth may cause a minor issue. It is still imperative that you see what you can get money wise.

Did everyone miss the part in the OP that specifically said they have mortgage approval???

lawred2

https://www.boards.ie/discussion/comment/123027917#Comment_123027917

Because it's useless advice

babyducklings1

https://www.boards.ie/discussion/comment/123027972#Comment_123027972

It is not useless advice, they are our elected representatives and what is going on is nuts. If they were bombarded with emails it might actually get through to them eventually how dire things are for people.

SupaCat95

https://www.boards.ie/discussion/comment/123027877#Comment_123027877

IIn the country there are no two beds except projects need the same amount of money as a three and four bed to begin with. Then you add in builders, tradesmen solicitors fees and architects fees you realise you would have bought cheaper on day 1 if you bought a 4 bed. The family is growing and does need that space. Most lining in the country are bungalows for familys.

kippy

https://www.boards.ie/discussion/comment/123027927#Comment_123027927

Nope, they've been searching at least six months and major circumstances have changed.....worth a revisit and a review to see if a better deal/more can be accessed. We have no idea if a broker was used or not for example.

SupaCat95

https://www.boards.ie/discussion/comment/123027927#Comment_123027927

There is a big difference between "got a deposit" and "have mortgage approval for €X ". They can and will fail you for any little thing including a late rental payment. I found they were cautious about lending to anyone. There is a lot of paperwork and it all has to be correct.

Mellor

https://www.boards.ie/discussion/comment/123026199#Comment_123026199

Some amount of waffle there. The Tax man is coming so you’re going to move to Antigua. Ok Walter.

You clearly know nothing about Aaustralia. Stop making things up. You do not get taxed when you take money out of Australia, nor do you get taxed when you bring money into Ireland. You pay income tax when you earn it, and after that you can go anywhere with it. There is a double taxation treaty with Ireland.

Nice of you to cast dispersion on my family and associates you know nothing about.

There was no dispersion cast. You told us they were living in cheap share houses. I literally referenced what you said. Saving is not a priority in those situations, obviously.

I have never heard of a mature person with a family come back from Australia, when they go they stay

As pointed out, what you have “heard” is not very accurate. Thousands emigrated during the GFC. Some short term, some long term, some stayed, most, by a wide margin, come home. Even after 10+years and having kids, a home.

I have heard of young people immediately out of university go there to either get their career kick started or get a deposit for a house.

A deposit for a house? I thought you couldn’t take money out? LMFAO

Bahrain, UAE and Qatar are all open for business. Kuwait and Oman would be less attractive.

Oh it gets better and better. Yes, OP should definitely head to Bahrain or Qatar with his pregnant partner (not wife) - what could go wrong. Maybe do some research before you're next suggestion.

Let’s hear your suggestions apart from "hold fast". Now it has to be a strategy that will lead to be able to rent own a house for 5 years or more. Allow them save for a pension and provide for three children up to university level. All you are capable of is denigerating me without any positive suggestions.

Why does the solution have to be rent for another 5 years. Continuing to pay somebody else's mortgage, when he is in a position to buy is particularly bad option long term.
Where did I say "hold fast"? I said take the entitled 90 day notice period and use it to finalise the purchase of his home (there is an obvious place to make an offer on right now). Alternative, he could roll over his current rental situation to another short term lease.

https://www.boards.ie/discussion/comment/123028031#Comment_123028031

OP has said they have mortgage approval, not simply a deposit.

There is some paperwork, its really not that much tbh. Securing a migrant visa for Australia (for example) is considerable more paperwork. 🤣

Ezeoul

https://www.boards.ie/discussion/comment/123028031#Comment_123028031

From the OP:

"We are mortgage approved and have been searching but unable to find a house for the past 6 months …."

No ambiguity there.

SupaCat95

I have never been to Australia, it has never been my dream to go there. I never claimed to know that much about it. Other than it wasnt the most tax friendly country. Antigua? You dont have to move and live there to most of the Caribbean Islands to get tax status and is not as expensive as generally thought but the EU and USA want to close that option by increasing the price of citizenship.

Yeah you could rent in Cork city for like €300 a month in a house share back then. Now any place in the country is 1600 a month for a house.

The kick starting your career was in reference to the Gulf states ("Get a deposit form your parents or go to Dubai" Leo Varadakar), sorry my mistake.

Bahrain and Qatar are almost as developed as the UAE. They have first world health facilities with western doctors and nurses. Bahrain is biggest exporter of LPG and Qatar is very much in the same veins as UAE for industrial development and just hosted the World Cup. I am not saying that Arab nations are a Utopia but where in the English speaking world is? UK, Canada, USA, Guyana, South Africa?

If he was in a position to buy at this stage he would have bought. The solution has to be to get him under a roof. I haven't seen realistic solution coming from anyone here. There is no debate that we have an accommodation crisis. If you have a good deposit and mortgaged approved then you must not have enough if you cannot find a house in 6 months.

I have never applied to Australia so I wouldn't know how much paperwork would be needed. I would imagine it would be fairly thorough (Passports, birth certs, tax return, references, bank statement, membership of professional organisation and Qualification, driving licence and criminal background check).

SupaCat95

https://www.boards.ie/discussion/comment/123028091#Comment_123028091

Well if they are mortgage approved and have a good deposit it is clearly not enough because the pressure is on and they havent bought. It is the biggest purchase in your life so you have to be sure.

eastie17

this thread sums up everything that’s wrong with boards. Man in a desperate situation comes for some advice, does get some from a few posters but the rest is taken over by clowns arseboxing with semi political, fantastical bullshit.

I can’t offer any advice OP, haven’t been in that situation by the grace of God, best of luck to you and your family

Shauna677

https://www.boards.ie/discussion/2058386615/getting-evicted-baby-due-in-5-weeks

very very difficult situation with a new baby on the way and the coldest time of year too. I really feel for you, the upheaval and uncertainty of it all is so stressful. Hopefully, a solution will be found in the coming days, wishing you well.

boardsdotie44

https://www.boards.ie/discussion/comment/123025325#Comment_123025325

OK so, please post your advise? What do you propose they do long term to sort out this situation.. if you cant post a viable alternative then whats so bad abt this advise?

Sleepy

https://www.boards.ie/discussion/comment/123027888#Comment_123027888

I wouldn't be surprised at all, I have many friends from my college days that grew up and/or live rurally and live in a part of Dublin that still has working farms around it. It's true that rural wages tend to be lower than in urban or suburban areas but that wouldn't be the case for essential public sector workers whose pay scales are national. It's also true that the wages earned go far further in rural areas than they do in the city (e.g. in my local here in North County Dublin, it's almost €7 for a pint of Guinness, in my son's local where he goes to college in Ringaskiddy, you'd get change from a €5 note).

My point was that there may be something in the OP and his partners' wishlist for a property that they may have to sacrifice in order to be able to afford to buy: the footprint, the huge rural garden, the BER rating, the detached versus semi/terraced, the en-suite, the side lane etc. It's my experiencc that rural buyers tend to have higher expectations in all of these things (and not entirely unreasonably as, living in lower cost areas, they do tend to be more affordable). It's also my observation that one-off rural properties come at quite a premium when compared to the price of an older terraced properties in the heart of the rural towns and villages those one-off developments are located outside of.

The OP hasn't given details of his budget, location or wishlist of what they consider to be a suitable home for a growing family. Perhaps he's already considered all of the above but it's my experience that many of us have quite fixed notions about what we can and can't live with in a property and that those notions are often quite dashed when faced with the reality of the Irish housing market. Many end up having to cut their cloth to their measure and looking at properties that don't meet all their "needs" or ones that "need" work they can't afford to do for a few years but can be perfectly liveable family homes until such time as the upgrades can be afforded. Sure, heating costs may be higher than they'd be on a brand new self-build or AAA-rated development but it still beats paying rent imo.

Using my own experience as an example when we were househunting there were many things on our wishlist we had to give up when we bought our 1930's terrace: the large floorplan, the side-lane, the en-suite, the modern insulation levels, the ability to gut the place before moving into it. We did the necessary bits: got the boiler serviced, got some re-plastering of walls that had boast plaster, installed a decent kitchen and gave the place a lick of paint before moving in and have tipped away at the rest of the place as and when we could afford to over the past 8 years we've upgraded the gas boiler, installed an insulated hot-water tank, put fibreglass in the attic, we only got around to replacing the failed double-glazing at the back 7 years after moving in, the front door only got upgraded to a composite one a year before that and the period sash windows the front of the house needs to comply with planning will be another few years yet (we live in an Architectural Conservation Area - it's not as big a deal as a listed / protected status but it does have some challenges). DIY has, through necessity, become my main hobby at this stage, LOL!

Perhaps the OP's expectations of what he and his partner can afford are realistic already, we don't know from the details in his post. My post was to advise him to take a hard look at his wishlist for his dream house and see what may need to be sacrificed from that in order to marry up his budget with what's available on the market. I'd certainly hope it was a more helpful point than the suggestions he should look at emmigrating.

reggie3434

OP is not even bothering to engage in this post which says a lot, head in the sand.

OP is posting about getting bumped in concerts/ owl noises in South Kilkenny so this really isn't a priority finding a new house, an area that has options to buy, the time for doing so was months ago and now posting here for what?? You'll poor mouth it for a while and muddle along till eventually being forced to buy a house that's 10-15k more expensive than last year.

boardsdotie44

https://www.boards.ie/discussion/comment/123028346#Comment_123028346

Oh the irony, offering no advise yourself, just offering bullsh*t … lol

SupaCat95

Part of me is thinking he is a candidate for the show "Cheap Irish Homes" where they are bringing him to the back of beyonds to see two bedroom cottages. that need an extension, 100k for basic renovations and a load more. Which isnt realistic.

The other part is thinking, is it him who is being unrealistic or is it the partner that is unrealistic? It is near impossible to build in the country anymore with planning permission. That sort of limits the sort of house you can buy. You might have to settle for something like a 1970's bungalow. Massive insulation job, new pipes and rads, rewiring, questionable septic, New Windows and doors, convert garage. That is going to be painful.

I dont blame a family for wanting to live in the country but you have to engage in realistic budgets. South Kilkenny is going to be 330k without any stretch of the imagination. Plus you have stamp duty and conveyance on top on day 1 without a stick of furniture for the house.

Mellor

https://www.boards.ie/discussion/comment/123028336#Comment_123028336

 I never claimed to know that much about it. Other than it wasnt the most tax friendly country.

Income Tax is Australia is generally lower than in Ireland. Maybe just stop at I don't know much about it.

I have never applied to Australia so I wouldn't know how much paperwork would be needed.

Then maybe don't suggest it as a solution for the OP who have weeks/months left on his lease if you don;t know what's involved or how long it takes - not to mention costs.
People who do know, have spelled out that it's not an option.