Now Ye're Talking - to Ciarán from Crazyhouseprices

Very 😭

Sometimes, those systems (e.g. Offr) only show 2 most recent bids and 1 previous one. So only ever 3 shown. Could this be what you mean?

Others show each and every bid (e.g. Sherry Fitz system) while others only show the current highest. So I guess it just depends which system they use.

I'm not sure EAs even need to create false hype, to be fair, as supply is so restricted everywhere. I do think, however, that the entire bidding system here needs a complete overhaul. There's so little transparency and it is very open to manipulation with fake bids, etc.

I'm finding this inflation with builders are bit perplexing.... I'm just coming towards the end of a complete renovation of our 1920s ex council house. Stripped everything back to the brick and re-did everything, it'll be an A3 BER. My builder's quote is from September and his prices haven't increased at all.

But I am hearing everywhere that builders are increasing their prices, some by 10% per month! So I don't really know... I suspect a lot of it is just gouging!

Thanks so much, really appreciate it!

I'm a nobody, really, I just post some helpful stuff on Instagram for people who are desperately struggling to find a home. So take it as a very good sign if you haven't heard about my page!

I think if your mortgage repayments are 30% or less of your take home pay, then that's a decent benchmark for most European cities.

The silliest money I saw was for a house in D6 somewhere that was listed for €650k and sold for €1.35 million! My numbers could be a little off there but it was in or around double the asking price. Madness. And it needed to be completely gutted.

I'm coming to the end of a full renovation and I never want to do it again, but for me personally, it suited us better. We couldn't afford a new build in the area we wanted, and the renovation means we can completely customise the house to suit us.

Hi. That's ok if you've never heard of me. I don't expect people to have heard of me. Boards asked me to come on here...

I just comment on things really and share helpful stuff I've learned along the way. I steer people towards professionals when they require professional advice.

Banks have this weird deal where they want you to go sale-agreed before telling you if you can have an exception.... It's mad. As far as I know, ICS only deal with brokers, so you can't apply directly. I could be wrong though.

I'd recommend a broker, as they'll know if you're likely to get the exception. Our broker knew that we would get the exception, so once we did secure the house, it was fairly straightforward. They were brilliant to deal with to be honest. ICS have just increased their fixed rates by 1.2% over the last 2 months though. However, it looks like all lenders will be doing the same shortly.

Most brokers get their fee from the lender. I did a detailed post on getting exceptions here

There's a great Facebook group for first time buyers that is really well moderated called 'First Time Buyers Ireland (The OG)' where people post timelines of their home purchase? Is this what you mean? Here's an example:

"We got there eventually! We were mortgage approved through X. It was a Probate sale but worth the wait, here’s the timeline: 

26/04/21 - Sent in application and supporting docs for mortgage

08/06/21 - Application sent to underwriters 

17/08/21 - Mortgage approved with X

06/10/21 - Placed our best and final offer (blind bidding which was very stressful but worked out well for us)

08/10/21 - Sale Agreed

10/10/21 - Structural survey carried out, no major issues. Valuation carried out and sent to X. 

15/10/21 - Booking deposit sent to Estate Agent

18/11/21 - Final Loan Offer signed

14/02/22 - Contracts received by our Solicitor

23/02/22- Pre contract queries sent to Vendor’s Solicitor

29/03/22 - Pre contract query answers received 

01/04/22 - Contracts signed and remaining deposit transferred

27/04/22 - Probate granted, Solicitor requesting funds from X

17/05/22 - Funds sent to Vendor’s Solicitor

20/05/22 - KEYS 🔑 🏡 

This page was such a great resource for us. If anyone has any questions feel free to comment and we’ll help if we can 😊."

Maybe just take 2 mins to look at my Instagram page before jumping to conclusions? All of the helpful content is on there. For free. No paywall. Example here

The feedback from my community in members on Patreon is that they wanted to join up as a way of saying thank you for all the helpful content I put out for on Instagram. I post some extra stuff on there like podcasts with experts. The vast majority of my content is on Instagram, for free.

I'm going to ask Niamh to shut this down now as I don't think it's being very helpful to people. I was just trying to do a favour for Boards but I'm not into the negativity.

Cheers