So......How do I pay for this house?

First of all congratulations on buying a house, if you want to murder everyone involved within the next few months then don't worry, this is perfectly normal 😂

So you should speak to your solicitor for advice, but essentially they handle the actual purchase of the house, called conveyancing

There's a whole rake of things which need to happen for this to happen. You're presumably getting a mortgage, I'm guessing you've applied to a bank and gotten approval in principle?

At this point you'll probably be speaking to a mortgage advisor in the bank, so you'll need to tell them the final amount the mortgage needs to be and they'll turn this into a mortgage offer which is sent to your solicitor

You'll need to sign the offer with your solicitor and then the next step is to drawdown the mortgage

Now, this is where things get tricky. There's a checklist of things needed by the bank to complete the drawdown, including surveying the house, getting the house valued and insured and getting mortgage protection insurance (if not going through the bank providing your mortgage)

There's also a bunch of checks the solicitor has to do including legal searches to ensure there isn't an open court case against you or anything. Those searches only last one day, and are required to drawdown the mortgage

So you'll need to ensure your deposit is with the solicitor before this. You'll pay it by bank transfer into an account for the solicitor. Confirm the IBAN over the phone with them when they send it on. Given the size of the deposit, you'll need to head into your bank to transfer it. You'll probably have to move the money to your current account before this can be done

You're probably thinking everyone involved will be working away doing their jobs. Think again

You'll want to regularly check in with your mortgage provider and solicitor every few days to ensure they have everything they need.

It can be a pretty frustrating experience, but just keep on top of it and make sure the ball keeps rolling along

Well of course it does! His solicitor will be able to advise how and when he wants to receive the funds from the OP, he can then go and figure out with his bank how to go about it. He already knows that when he withdraws his Mortgage saver it goes into his current account.

So of course talking to his solicitor impacts how he accesses his own funds. You even say it in your follow up point.

Other than the booking deposits, all funds are sent to your solicitor for them to disburse as appropriate.

Regarding accessing funds in a mortgage saver account, we were able to give 28 days notice and then do an online transfer to a current account, and from there to our solicitor. Note, this was the AIB mortgage saver not BOI but I suspect they are all similar?

I don't really know what op you read but it's not the one in this thread