Currently buying/selling a house? How is it going? READ MOD NOTE POST #1

I don't think they can get it themselves, but they can request you to get it.

Our credit checks were done at underwriting stage, once that was approved we were only asked for a payslip for myself at drawdown. We're with PTSB via a broker

Very good day yesterday after a terrifying month of radio silence, contracts exchanged, all funds transferred, final inspection done, hopefully only another week in it.

Purchasing s new build, hope to get keys in the coming weeks.

Builder mentioned about getting life cover & home insurance as likely to be required by lender before final drawdown.

A couple of questions:

1. For life cover, should we be getting a joint policy as a couple buying the house or get individual policies?

2. For the home insurance, getting a quote of around 250 euro, (330k rebuild cost & 25k contents insurance). Put down we have a standard alarm, even though we dont yet but will do. Any chance they will find out we dont have an alarm in just yet?

3. As we havent drawndown or got they keys, is it ok to put a home insurance policy start date of in advance of getting the keys?

4. Is accidental home cover for 45 euro worth it or dont bother with it?

Thanks

Does an alarm make much of a difference to the insurance on a normal estate semi-d do you know?

His plan is to install the alarm around the time when he moves in.

I'm not sure about the not being your friend bit. If you area drunk driver or a speeding driver or a dangerous driver they would still pay out I'd assume?

We moved about 5km from an apartment to a 3 bed house. Bought 30 large boxes from Adverts at €1 each and hired a GoVan for the day for €65 including fuel, etc. It was a long day but I had two mates helping. Buying is costly enough, I'd rather keep the €2.5k if at all possible.

I moved in Dublin last year; fairly packed 3-bed to a more spacious house a few km away, think we paid €1,400 in the end for packing and moving. Well worth it to be honest, same as yourself trying to do it ourselves or with friends and a van wouldn't have been really possible, too much to deal with plus two small kids! Happy to recommend via PM if you are in Dublin or Wicklow, not sure the crowd we used would service anywhere else.

We are moving in the next couple of months (we hope). From a 4-bed semi to a 4-bed detached.

Our plan is to rent a storage unit for 4 weeks (€50 per week) which will cost €200. Start filling it with smaller items 2 weeks before our move

Then on moving day, borrow or hire a van to move all of our bulky furniture (in our case, it's not too much as we are getting rid of a few things, and leaving others behind - so just 3 beds, a sofa, 2 armchairs, a sit/stand-desk, and some chests of drawers/small units)

Kids will probably stay with grandparents for a few days while we do some painting etc and we will slowly move the furniture and boxes in from the storage unit.

Will probably be able to borrow a van from family, so the whole thing should be pretty cheap.

I don't deny it's a lot more stress than handing it over to a moving company, but we would rather spend that money on furniture.

Very little difference in cost. Try generating 2 quotes for yourself. One with alarm and one without.

Sorry if off topic / wrong thread; just wondering if lack of fibre broadband has been a stumbling block for anyone?

MY OH works from home and we have been doing a few viewings and checking listings and surprised to see quite a few homes not included in the national rollout plan despite being far from remote locations.

Would lack of fibre BB availability put anyone off buying if your current and immediate future income depended on a fast reliable internet service to WFH (as well as the usual other uses like streaming / gaming / wifi calls etc)?

If you have engaged an estate agent to sell your house and then you decide later that you don’t want to go ahead with the sale, are you still liable for the EA fees? Thanks

A lot of new estates don't have fibre installed. I've found that 4G+ is good enough for 2 people WFH. Vodafone had a deal with a 5G Huawei router that I have in the attic. Huawei sell network points to boost the signal in the house.

You can use speedtest.net to check speeds on your phone and every provider has a coverage map on their website.

I get consistent 100Mb download which is better than Imagine broadband is offering at twice the price!

We moved to the sticks last year to a house not (yet) covered by nbi, we looked into options before finalising to make sure it would work as hubby is full time wfh in I.T there are plenty of options outside of the mainstream providers that cater for rural homes. Also satellite broadband is available too. What we have now is on par with what we had in Dublin suburbs and less expensive

In the process of buying a house with them. Very little interest in the house at viewings, we went sale agreed around 60k lower than two similar houses on the same road at the same time. We viewed all three and little difference. Still find it too hard to believe how lucky we seem to have gotten. We triggered the bidding process with an offer at asking, it got expedited from 15 days to 7 and nobody else bid. Have found them good to deal with and at this point just waiting on the sellers solicitor to send us a contract.