Where to buy a gaff

Your local gaff shop of course.

Belmullet

https://www.daft.ie/for-sale/detached-house-broadhaven-heights-belmullet-co-mayo/3747881

Yeah Balbriggan isn't as bad as some reports might suggest. Obviously, like any town, there are nice parts and some not so nice parts but the surrounding area is lovely. There were a lot of houses built in Balbriggan during the Celtic Tiger era that were riddled with pyrite so make sure you check that if you're looking at a house or apartment there.

Just leave it blank. In fact, go with a broker. You fill out one form with them, and then they go to a number of banks to get approval. You don't have to pay them, the bank pays them commission.

The process basically is that you first get mortgage approval that isn't really binding. Basically, "Based on what you've told us, you can likely borrow up to X". Once you have gone sale agreed on a property, you then get a formal mortgage offer from the bank. It has to be done this way, because the mortgage is tied to the property and the bank needs to make sure that the property you plan on buying, is actually worth the money they're going to give you.

The broker will tell you what your budget probably is, you start looking at gaffs while they go off and get a more certain budget by applying to the banks. There's always a chance that when you go sale agreed, the bank will reduce the amount its willing to give you and you have to start again. But going with a broker will make this unlikely.

Sort of. The bank will likely want to see a commission pattern and then will apply some calculations to it. For example, they might take your average commission earned over the last six months, and then add 66% of that to your fixed salary. So if your salary is €3k a month, and you've had €1,500 a month average commission over the last 6/12 months, then your monthly salary for mortgage purposes is €4k. This is just an example; banks probably assume commission is far more volatile than this. Some banks may not factor in commission income at all. They don't have to.

Yes and no. The bank will review your bank statements, and they don't like to see large cash withdrawals in general. This is because it tells the bank that you use large sums of your money for purposes that may be very unpredictable. Basically, if they see large cash withdrawals, the concern is that you're a gambler. And lending to gamblers is risky business. If the amount of cash you withdraw is the same or similar every month and you can present the rent book, then you should be OK.

You should definitely ask your landlord to start accepting the rent by bank transfer now though.

Is there any particular reason you want to stay in Dublin? You'd probably get a nice little 2-bed somewhere non-sh1tty for that money.

E.g. https://www.daft.ie/for-sale/duplex-4-the-courtyard-marsh-road-drogheda-co-louth/3503924

Cosy little spot, in the town, right beside the train station, short drive to the coast.

Go to leitrim...stay out of dublin

OP, you're asking about Balbriggan and Ballymun. You've probably seen them on the news over the past couple of weeks but just never realised it.

The news agencies are using photos of those places for their Kyiv was stories due to the logistical difficulty of getting photographers to Ukraine. The Kremlin are going mad over it and are saying that "fake news" has finally crossed a line

Appropriate username. Are ya an estate agent covering those area by any chance?

You can buy a 4 bed house outside dublin for 100k, in a town 40 minutes away, or else look at buying a 2bed apartment, prices are rising, theres simply not enough houses in dublin to meet demand ,and you are competing with 2 people ,eg couples on 50k salarys who want to buy a house.And of course techies on high salarys who need 2 bedrooms, plus spare room home /office to work from home.

Balbriggan is too far out for me

It's not that difficult to get your head around it though if you concentrate

You go daft.ie ,and myhome.ie put in salary x3 , banks can only lend you 3 or 3.5 times your salary, and you need to have a deposit saved of 10-20 per cent of the house value. The problem is for most gen z,young people can try and save up, house prices go up every year, its like being in a race with a car i go 50mph, i,ll never catch up with a car that gos at 80mph, and eventually i,ll run out of petrol .

i know house prices are rising every month, i remember there used to be old houses for sale, needs renovation, eg old house in very bad condition, maybe they have all been bought already.

i might worry about climate change, inflation ,rising oil prices, frankly the last thing i think about it is someone launching nuclear missiles in europe.

It's sounds like you may be only able to afford to buy an apartment if you want to live in dublin. Say 3.5 times your salary is 130k see what is avaidable for that price . Every large town has 2 supermarkets lidl Tesco etc mulilngar is about 30 mínutes from Dublin and has a railway station . It has 3 or 4 supermarkets lidl, aldi etc good range of cable TV and fast broadband providers .