2017-21 help to buy scheme - megathread. All help to buy discussion here please

Does anyone know how getting a new mortgage offer might affect my help to buy? I have sent all the details into the contractor based on the previous offer so I assume they have already made the claim.

My mortgage offer is expiring on Monday and I wasn't given sufficient notice to try arrange an extension. If I'd known it would take 7-10 days to organise the extension I would have been more on the ball!! I probably should have been anyway being honest.

Thanks, I'm sure you're right. We'll have to wait and see what happens when it comes down to it

The PAYE and DIRT you have paid in the last 4 tax years. It's a refund of those taxes.

Thanks for the correction! I've updated my last post to avoid any confusion for anyone looking for guidance.

Hi All,

Our solicitor gave us the building agreement and executed contract to upload to the revenue website for the HTB scheme. However, when I went into the site to upload it also says that I need to upload a 'mortgage contract with their lender'. I phoned the bank and they said this was something the solicitor would give us as they have to sign or do something. Now the bank has given me the wrong information in the past and the solicitor or her secretary just isn't responding to me at the moment.

Is this something the bak or the solicitor should give me? Just so I don't want to finally get the solicitor for them to tell me it's the bank even if it isn't.

Thanks in advance.

Does anyone know the answer to this? Also, I’ve heard of people getting the HTB grant when going direct labour (no contractor), how is that done?

Hi guys,

So I had applied for HTB and I was eligible for approx €19,000 n my wife was eligible for approx €25,000 but the max amount we could claim was €30,000 as per the HTB so my amount was around €4300 for which an access code and claim reference was given. I for some reason hadn't uploaded the loan offer n signed contracts on revenue as i initially thought that since the claim was approved. So now my construction company got back to me saying they've only gotten the €4300 and not received my wife side of the €25,000. That's when I checked my wife's revenue account n noticed revenue had sent messages on the my enquiry page requesting the documents to be uploaded. I uploaded them today, So my main question is as the construction company have received only €4300 will revenue check the documents and issue the rest of the €25000 or will we have to reapply again to claim the full amount. We haven't drawn down our mortgage yet. I don't seem to be getting a proper answer for this anywhere. Hoping someone can help me out here as I'm just assuming the worst and it's really worrying.

Thanks on advance.

If the builder has already claimed the HTB, you will just need a letter from your solicitor stating that. If they havnt, then you will need to reapply in mid-Jan.

AIB also offer 6 month extentions for nee builds that have been delayed due to covid, if you are with them.

They can’t/won’t claim until you sign contracts - that is the point at which you pay your deposit and the HTB will make up part of that.

you will have to Reapply in Jan unfortunately as your 2021 will have expired - you use the HTB year that you have signed the contracts in - if you sign in 2022 then your 2021 will have expired at that stage.

Just an FYI, this year there was a significant delay in getting HTB applications through, a lot of people had to ask revenue to expedite as they were under pressure to sign contracts… would be no harm to account for this with your developer/solicitor just so they are aware. What I mean by this is you mightn’t be able to get the HTB application through until 20 or 25 Jan or so at the earliest, although maybe next year will be better and more organised from Revenues side.

Hi folks, looking for some advice about HTB to see if you think we qualify as I believe we have a slightly unusual situation. Sorry for the long message!

So back in 2018 (can't remember off the top of my head for the purpose of this thread), we agreed with my in-laws to purchase the side site of their property at market value. Part of the site included a small portion of their current property. We applied for planning permission to subdivide the property, then to demolish the existing property that lay on the side site and rebuild our house. We were granted full permission by the council, then at the end of 2019 we started the process by demolishing what was there.

In 2020, my husbands business was shut down due to Covid so we decided to continue to do the build ourselves as my father in law used to work as a builder back in the day so we had a fair bit of advice from him. Bit by bit during lockdowns, we built up the house by ourselves. My business was doing ok during the pandemic so we took our time and paid from my wages for things like windows or the roof etc where we hired independent labour, and I also had a small inheritance and a bank loan that helped with funding it.

Essentially, we did most of the work ourselves. In the meantime, we had solicitors drawing up the mortgage agreement between us and his parents, so there is a charge against the property for the cost of the original site. We have managed to build our home which is A rated (or will be as soon as I get around to getting the BER people back in). We now plan to go and get a mortgage from a commercial lender to pay off the charge against the site (which the paperwork calls a mortgage). I'm wondering would we qualify for HTB to help us out? It would be a great help considering my husbands business cost us a small fortune to keep open over the last two years with all the lockdowns! I think he was closed for a total of 11 months since the start of the pandemic.

I hope this makes sense! Any questions, please ask!

They most likely are on the list, just under a different name. Ask the developer themselves.

This time last year they were crazy busy and backlogged - I expect it was the same this year. Took them 3+ weeks to get through some applications. If you’re under pressure, ring the helpline and explain you’re under pressure from solicitors etc. sometimes they want proof to escalate, other times they seem happy to from what I’ve read

If you ring on the second the phone lines open in the morning you might have a better chance

That's always been there. Can I ask when you applied to have gotten it approved today?