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First Time Buyers
First Time Buyer Search...



In general, the properties for sale on Daft are better value than other sources such as newspapers and other websites. The main reason for this is because we are a low cost advertising medium and those savings are passed on to you.

Buying your first home can often be complicated. We've compiled this article to introduce you some of the things that may seem daunting about the process. Buying your first home...

First Time Buyer Discussion

  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Thursday December 9, 2004 @04:52PM

    yippee no stamp

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  • Re: First Time Buyers

    Posted By: John Date: Wednesday January 5, 2005 @11:44AM

    Yeah, Its great isnt it! I'm now saving over 10,000 euro on a second hand property in inchicore! I'm going to put in a new kitchen with new appliances with the extra cash.. happy days

    • Reply to this message
  • Re: First Time Buyers

    Posted By: harry igho Date: Friday January 28, 2005 @11:56AM

    please i can buyer house

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Muhammad Memon Date: Thursday August 31, 2006 @12:27PM

    kinldy send me detail for 3 bed room house in city north

    and also send me detail by my following address.


    Muhammad Memon
    153/4 Cherrytree Court
    Parnell STreet
    Dublin 1

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Johnson Date: Saturday November 11, 2006 @05:48PM

    hello

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Wednesday February 7, 2007 @10:44PM

    3 bed 2 wc house in blanchardstown 317,500 including some furniture and fittings

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday October 30, 2007 @03:08PM

    What does kinldy mean

    • Reply to this message
  • Re: First Time Buyers

    Posted By: OW Date: Sunday July 17, 2005 @09:24PM

    Don't waste your money on new white goods, use the money to pay off the principal of your mortgage or divert it to the SSIA then pay offf as much of your mortgage as soon as you can so you pay less on interest, don't waste money on fitted kitchens when IKEA is about to hit Ireland... don't waste your money!!

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  • Re: First Time Buyers

    Posted By: Wise John Date: Tuesday August 23, 2005 @10:49AM

    Paying of your mortgage is one of the stupidest things any one can do, think of all the money you will have tied up in your home when you could have it working for you, especially when money is currently so cheap to borrow. Never never pay of your mortgage, use other peoples money to enhance your wealth.

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  • Re: First Time Buyers

    Posted By: martin Date: Friday September 2, 2005 @04:40PM

    Hi wise John,
    'have your money working for you' - but how?
    'use other peoples money to enhance your wealth' - but how?
    Cheers

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Shane Date: Tuesday January 10, 2006 @10:36AM

    how can you use other peoples money to pay for your mortgage,and if i buy a second hand house will i pay stamp duty.

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  • Re: First Time Buyers

    Posted By: LovingIt! Date: Sunday March 12, 2006 @01:44PM

    In limited circumstances, you can buy a second property without paying stamp duy. The main conditions is the size of the house (can't think of the size from the top of my head but most houses would qualify), it must be new and you must (or at least one buyer if there is others buying it with you) occupy it. You can still own your 'first' house but remember if you move out within 5 years the stamp duty becomes payable. This is very general advice though and good planning ahead can save you a tidy sum!

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  • Re: First Time Buyers

    Posted By: Brian Cowen Date: Friday April 24, 2009 @01:48PM

    Idiot!

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  • Re: First Time Buyers

    Posted By: maria Date: Sunday September 17, 2006 @11:30PM

    tell me what youre talking about,,,eg let other people's money work for you?????????????

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Friday September 28, 2007 @07:12PM

    Read Rich Dad Poor Dad

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  • Re: First Time Buyers

    Posted By: Aloisius Date: Monday September 5, 2005 @09:53AM

    All in all, the present day status of the current economic trend is to highly elaborate the excessive expenditure that the exchequer is continuously delving into.......spend and improve inflation.

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Thursday June 21, 2007 @05:33PM

    Huh ! and in "english" that would be "what" ! without the fancy words can you tell us what you mean.

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday December 6, 2005 @01:13PM

    Making extra payments on your mortgage makes great financial sense in the early years, even with the tax break factored in. I paid roughly $1400 extra on my mortgage (2.95% variable APR) in the first 18 months, and per the loan amortization spreadsheet in Excel saved about €1500 in interest that way. Even when I take the tax break off that, it's €1200 or an average 85% return on every euro I paid extra, with no DIRT or income tax attached. Show me the investment that performs like that!

    Also, you can achieve these returns with ridiculously small amounts of money that would never qualify for any serious investment product (for example, I think Bank of Ireland Smartchoice equity savings plan requires a commitment of €100/month at minimum.)

    Of course later on, when a larger percentage of the monthly payment goes towards the principal, these returns level off and one should keep the strategy under review.

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  • Re: First Time Buyers

    Posted By: kiri Date: Saturday January 7, 2006 @11:52AM

    Hi "wise John"
    Not paying off mortgage principle with excess cash ???
    F/Active allow account balance off Mortgage borrowing ie; 200k (mortgage)minus Current Acc balance 25k = mortgage interest on 175k and you have instant access to monies ! I think you should be called " wise up John".

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday January 9, 2006 @08:37PM

    Now why would you have 25k sitting in a current account earning you when it could be invested in something more productive lile a deposit on another home, you silly mare !

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  • Re: First Time Buyers

    Posted By: kiri Date: Wednesday January 11, 2006 @09:04PM

    Already have 2 X 4 bed houses (1 detached, other Rented)3 foreigh holidays p.a. and a '06 in the driveway , mortgage almost as large as Avg phone bill ,fyi I recently inherited the bulk of the 25k ! Happy days ... no rat race for me.enjoy the cheese.

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  • Re: First Time Buyers

    Posted By: Strippah Date: Thursday March 16, 2006 @05:34PM

    Are there any jobs going in the "club" you work in?

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  • Re: First Time Buyers

    Posted By: deegan Date: Wednesday June 14, 2006 @11:40PM

    Good for you. We are all delighted for ya.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: JM Date: Saturday July 15, 2006 @03:33PM

    Smug moron! Hope you are leveraged to the hilt and housing price correction and interest rate hikes hit you.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday January 22, 2007 @10:10PM

    Then Kiri why you on a first time buyers forum if you have 2 houses and seemingly everything else? You might have loads of money but what good is that if you have no personality!

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  • Re: First Time Buyers

    Posted By: reduce to sell Date: Tuesday June 17, 2008 @09:10PM

    well said

    i have my savings
    im also ready to buy
    but thank god im not in a hurry

    im going to wait as long as it takes for value to come back to market.

    hope all those property agents, and would be investors who purchased houses in bulk and are now try to get shut of them really get stung. they sure wont be profiting from my hard earned salary.

    recently saw my first ever "reduced to sell" sign
    lets all wait for a few more of these beautiful signs to pop up around country.

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday March 10, 2009 @01:10PM

    hope the flowers stay blooming in your garden "if you have one"

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Thursday February 1, 2007 @04:52PM

    gobshite

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  • Re: First Time Buyers

    Posted By: Tony Date: Friday July 6, 2007 @04:58PM

    Not to rain on your parade but wat exactly have you - POSSIBILITY of making money - cash in bank is more beneficial than bricks and mortar. - especially with interest rates and inflation rates due to go up - money - is cash in hand. remember housing crisis in 80's - not jelaousy just fact - hope you follow the markets and reading the papers.

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  • Re: First Time Buyers Kiri

    Posted By: Anonymous Poster Date: Wednesday February 20, 2008 @10:25PM

    Those that go up must come down. If you own all these properties and you believe that is acceptable to come into a site for first time buyers and seemingly torment them with all you have then that does not say alot for you I'd prefer to be homeless then be as ignorant as you !

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Wednesday January 21, 2009 @06:35PM

    bet your not laughing so loudly now!!!

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  • Re: First Time Buyers

    Posted By: anne Date: Monday June 1, 2009 @09:23PM

    hi there, i hope you are doing okay in current climate cause that sounds like a lot of houses to keep if you cant rent them. Best of , hang in there if your stressed, it will come good.

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  • Re: First Time Buyers

    Posted By: sonia Date: Wednesday February 1, 2006 @05:59PM

    If i had 25k to invest, it wont be on the irish market.
    the house price is just madness.it sounds to me that
    people have more money than good sense in ireland.
    watch out!!!!!a bubble is made to burst out.remember the
    stock market crash in 2000....what about investing in a castle in spain or france.pppfff.

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  • Re: First Time Buyers

    Posted By: Marta Date: Tuesday August 8, 2006 @12:40AM

    Just to let you know that houses prices is Spain is also very expensive. It's not like 5 years ago when someone could buy a cheap apt on the beach so imagine to buy a flat/house in a big city. Ireland and Spain have similar prices,...

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  • Re: First Time Buyers

    Posted By: Spanish John Date: Sunday November 26, 2006 @01:25PM

    Rubbish! I am Irish and live in Spain. Prices here are far cheaper than in Ireland. The house I live in would cost twice as much in Ireland. There is an enormous glut of houses due to massive construction and prices are falling rapidly - exactly the opposite to Ireland. I want to come back to Ireland but cannot afford to because of the disparity between house prices.

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  • Re: First Time Buyers

    Posted By: FOOL AND HIS MONEY Date: Tuesday June 17, 2008 @09:15PM

    WELL SAID HOUSE PRICES IN IRELAND ARE CRAZY AND ONLY CRAZY PEOPLE WITH NO PERSPECTIVE ON THE VALUE OF HARD EARNED CASH WOULD PAY THE ASKING PRICE THATS BEING ASKED ON SOME PROPERTIES OUT THERE

    LOOK AT WHAT PEOPLE CAN BUY ABROAD IN SPAIN AND ITALY AND FRANCE.

    ONLY A FOOL IS EASILY PARTED FROM THEIR MONEY

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  • Re: First Time Buyers

    Posted By: anonymous Date: Sunday November 26, 2006 @01:31PM

    Just to give people talking out of the fat of their necks about comparative costs between Ireland and Spain: daily rubbish collection in Spain- which includes every kind of refuse - is €60 per annum!

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday June 17, 2008 @09:17PM

    AND WHERE DO YOU THINK OUR COPY CAT CO COUNCIL ARE LOOKING FOR IDEAS
    RUBBISH IN IRELAND SOON TO BE CHARGED BY WEIGHT
    WONDER HOW LONG IT WILL TAKE BEFORE ITS LIKE SPAIN

    • Reply to this message
  • Re: First Time Buyers

    Posted By: dareksligo@interia.pl Date: Tuesday October 10, 2006 @02:17PM

    Hi,
    I'm thinking you should try invest in property in coutries like:Bulgaria or Poland.You are able buy a good house over there for a 40.000euro and prices are grow up much faster then hire in Ireland.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: The property Daddy Date: Wednesday December 20, 2006 @12:44PM

    I have a few investments the latest is Riga (Latvia) great prices and rental income from young profs and short term exec lets . Its a year round destination supplied by Ryanair flights.

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday March 12, 2007 @03:21PM

    dont even think about it. Saw property in Bulgaria.. never finish anything

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  • Bulgaria apts

    Posted By: Tony Date: Friday July 6, 2007 @04:50PM

    I have to admit this would seem like an easy option but from a person who knows - ppl who have bulgarian apts (ie my parents) it is an ornament for most - eg go to bulgaria once a year rent out at 30 per month - bulgaria relies on its tourism for its prosperity like ireland. Think about it bulgaria will be a nother spain soon because the rich ppl in western europe have actually dictated the price of property- as well as this that s wat has happened in ireland as well - greedy ppl have bought houses and dictated the prices. estate agents for example have made a point of getting the highest price for a house to take one for example. The celtic tiger will fall. and wen it does these ppl that think they have money will sell up like wildfire. IFA

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  • Re: First Time Buyers

    Posted By: sylwia Date: Sunday July 22, 2007 @12:29PM

    where would u buy a house for 40k in Poland? U would not buy a 20 sq meter studio in Warsaw for this money! Bought my 1 bedroom apartment in Warsaw Mokotow district (like Donnybrook or Balssbridge in Dublin in terms of good name) for 80k 1.5 years ago (brand new, with underground parking, close to the undergorund, but no floors, tiles etc. )- now it is worth 150k!

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Wednesday October 10, 2007 @08:51PM

    why would you hire in ireland???

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  • Re: First Time Buyers

    Posted By: Joanna Date: Thursday January 17, 2008 @01:32AM

    Thats not true. I am polish and i have never seen a house in Poland for EUR40 000. for this money you can buy a little studio in some small town in there, about 30 sq m.

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Thursday November 2, 2006 @11:47AM

    "ppl in Ireland have more money than sense"? what the hell are you talking about, its not like we have a choice you know! houses here are expensive HENCE we have to spend more money on them! there aren't many other options you know! and we cant all consider buying abroad since most of us have the usual committments of families, jobs etc. and there wont be a huge crash, things might level off thats about it. alarmists like you have been babbling on about a crash for years but has it happened? no. we are a thriving economy which doesnt happen when the population,as you say, have more money thans sense. happy investing.

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  • Re: First Time Buyers

    Posted By: John callan Date: Friday November 14, 2008 @03:30PM

    Take a look outside the window willya ( thriving economy ) - see if there are any pigs flying by!

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  • Re: First Time Buyers

    Posted By: A Realist Date: Sunday March 27, 2011 @11:40PM

    I know hindsight is 20:20, but I held out since 2005 and just picked up a 3 bed Semi for 210k! In North Kildare. 30min commute to Dubland.
    Good times & happy days.

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  • Re: First Time Buyers

    Posted By: tony Date: Tuesday October 11, 2011 @10:33PM

    The bubble started blowing in 1997. It has a lot more to deflate. Notwithstanding the efforts of NAMA and the VI's. Always reverts to mean going by experience of other crashes. So price of average house will revert to 100K or so.

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  • Re: First Time Buyers

    Posted By: omo Date: Tuesday July 10, 2007 @06:01PM

    i like mum and dad
    xxxxxx xxxx to mum and dad xxxxxxxxxxxxx

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday July 9, 2007 @02:49PM

    the first active current account is one of the most expensive rates on the market. any money u save on interest you will pay on the rate!!

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  • increasing payments

    Posted By: Jenny Date: Wednesday August 1, 2007 @12:01PM

    Was interested in your posting re first active. Am I better to increase repayment on my current account mortgage or continue to save in the offset savings account attached to it. Am I right in saying it is six of one and half a dozen of the other. Which option will save me money in the long run.

    Thanks in advance for any advice

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  • Re: First Time Buyers

    Posted By: Jessie Date: Thursday January 12, 2006 @10:09AM

    How can I use other peoples money on paying my mortgage? And what are the techniques on bidding system to get the house that you want if you're a buyer?

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  • Re: First Time Buyers

    Posted By: Fun time Frankie Date: Wednesday June 20, 2007 @01:44PM

    Interest only is in no way a good option, the money that you have to spend on a Level Term policy generally eats up anything you are saving on repaying the Capital balance, and at the start of your mortgage generally your repayments are 95% interest anyway and you are paying very little off your mortgage...savings of €400 a month are only if you have borrowed half a million euros and lets face it there are not many of us who will be dong that too often

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  • Re: First Time Buyers

    Posted By: Elephants Date: Thursday February 2, 2006 @04:11PM

    Guys,

    Here's what to do. Get your mortgage on interest only! I now have 2 properties cause of this. Your repay only the interest on your home and save the rest that you would have put off the mortgage, then you can save for the deposit for a second house and go interest only on that aswell. If you decide to sell either property, it means that you have all the savings that you never paid off your mortgage and the money that the property has gone up in value. Eg: House cost 250,000 euro. You pay only the interest so about 600 euro a month. Your repayments fully would have been about 1000 a month. You now have 400 euros left for yourself every month that you don't pay the bank. Now you decide to sell your house. Eg: your house has gone upto 320000 euro. You pay the bank the mortgage outstanding (250000) and your left with 70K and all 400 euro you pocketed everymonth.

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  • Re: First Time Buyers

    Posted By: LovingIt! Date: Sunday March 12, 2006 @01:50PM

    And the great thing about the interest only mortgage on investment properties can be from a tax aspect. Let's say you pay a mortage of €1,500 p/m and that is made up of €1k principal and €0.5k interest. If you have rent receipt of €1.5k p/m which covers the mortgage, you have tax implications of "net income" of €1k i.e. €1.5k rental income less €0.5k interest - you don't get a tax deduction for the principal. With a interest only mortgage, the full amount you pay to the bank is tax deductible, so you only have to pay tax on the cash excess you have (rather than the income excess).

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  • Re: First Time Buyers

    Posted By: Bill Date: Sunday September 17, 2006 @06:03PM

    But dear one thing you should know that, the principal amount which you are paying should get a decent return if you invest somewhere else. If you pay the principal amount (for instance Euro. 400 is your case)to the bank the next interest would also reduce. That means you will be getting a return on your repayment of principal amount, which is also at the mortgage rate. If you have more investment opportunity, where you can get high return then your point is satisfactory. Otherwise you are certainly loosing!!!!!

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  • Re: First Time Buyers

    Posted By: David Date: Sunday June 24, 2007 @06:34PM

    Are you sure that prices will rise? I don not think so.

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  • Re: First Time Buyers

    Posted By: Tony Date: Friday July 6, 2007 @04:54PM

    Prices wont rise - mortgage payments will - ie bank interest rates, inflation rates, bills, water, food, - everything goes up at a larger portion to wages -

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Sunday July 13, 2008 @06:01PM

    Im latvian, and i own 1 bedroom appt,which i bought, exactly 2 years ago for 115k, ok it is in city centre and its newish. but for last 4 months, prices went down for 30% and they will go more.... hope it will happen same in ireland and i would love to have my own house here.

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  • Interest only

    Posted By: Tony Date: Friday July 6, 2007 @04:41PM

    I dont mean to disappoint but interest only mortgages are a waste of time unless you're actually making a couple of pound for renting and frankly i cant expect people on interest only mortgages to make any more money on there houses. The older a house gets the less trendy they become -ie thats the reason why so many people are buying apartments at the minute look at dublin city for instance - city apts are trendy, cost a fortune and they throw them up in no time.

    The bubble will burst on this too when the demand for apartments goes down.

    Tony

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  • Re: First Time Buyers

    Posted By: Tony Date: Friday July 6, 2007 @04:51PM

    What a dreamer

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  • Re: First Time Buyers

    Posted By: Lou Date: Thursday January 24, 2008 @11:39AM

    Hey Elephants!

    myself and partner are trying to get a mortgage so was reading down the comments and when i came across ur idea for interest only mortgage and using remainder for property investment i thought it was very clever and has now given me food for thought. Are there definatley no downfalls from this? Is it a risky thing to do if at present house prices are dropping? I would love to hear more about how u went about this and what stage u are at now!!!

    Thanks for ur reply in advance!
    very clever!
    LOU

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  • Re: First Time Buyers

    Posted By: DONATAS Date: Monday February 5, 2007 @04:37PM

    Hi,you say don't take mortgage,so maybe you can lend for my money abaut 300000 euro :)

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  • Re: First Time Buyers

    Posted By: MONIKA Date: Tuesday September 18, 2007 @12:09PM

    Hi
    Very interesting what you put down there Looks like this idea is from your own experience. What exactly you mean by 'use sombody elses money'???Iam about to invest into my first home here in Dublin and would appreciate any tips on better investments than into property, which is the safest one of all.Is it not?
    Regards
    Monika
    my e-mail monikakrzem@o2.pl

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  • Re: First Time Buyers

    Posted By: barry Date: Friday October 19, 2007 @08:23PM

    Your right I was about to pay mine off.
    Any ideas were the best place to invest is?
    Barry

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  • Re: First Time Buyers

    Posted By: not so wise now john! Date: Thursday August 16, 2012 @10:58AM

    "Re: First Time Buyers
    Posted By: Wise John Date: Tuesday August 23, 2005 @10:49AM
    Paying of your mortgage is one of the stupidest things any one can do, think of all the money you will have tied up in your home when you could have it working for you, especially when money is currently so cheap to borrow. Never never pay of your mortgage, use other peoples money to enhance your wealth."

    How did that work out champ?

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Saturday October 1, 2005 @10:36PM

    hi ya,
    i am an first time buyer, i don't have much idea about the propertys, could you please provide me some information about buying and selling a property, will the property prices go up in future? awaiting for your reply,
    thanks,

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  • Re: First Time Buyers

    Posted By: Sandra Elders Date: Monday March 12, 2007 @12:12PM

    Call me or email for details
    sandra.elders@lowe.ie
    018345555

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  • Re: First Time Buyers

    Posted By: spiderbhoy Date: Friday February 10, 2006 @08:53AM

    IKEA don't make me laugh!!!

    Useless tat - great if you want something to last just five minutes. How do you think they make their money - you are continually relacing items that break.

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  • Re: First Time Buyers

    Posted By: reg Date: Wednesday June 7, 2006 @09:48AM

    sorry i know this has nothing to do with a fist time buyer conversation, but when is IKEA comming to Ireland!!!!

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  • Re: First Time Buyers

    Posted By: tresa Date: Saturday December 17, 2005 @12:14PM

    I would like to buy a house in Dublin.Iearn around 40,000euroes annually.Do I get a 100% loan for mortgage?Howmuch will I get?what will be my monthly repayments? Thank you

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday December 19, 2005 @11:01PM

    I am a first time buyer.I want to buy a house in Dublin.I earn around 40,000euro annually.Do I get a 100% loan for mortgage?Do I need a deposit?How much will be my monthly repayments?could you please give me some information regarding these things?I had sent a message 2 days ago.thanking you in advance,Treesa.

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  • Re: First Time Buyers

    Posted By: Lorraine Date: Friday January 13, 2006 @01:44PM

    Hi. I have recently bought my first home, but had to buy with another. I also earn approx 40k. In general you can borrow approx 4.75 times your salary, if buying on your own. If you are looking for 100% mortgage you can only purchase a two bed or more. So if you dont have a deposit etc and want 100% then you will have to look for a two bed for approx 190-200k, not going to be easy, if not impossible. I had to, in the end buy with a friend, I think this is the only way forward to get a decent place and get on the ladder.

    Hope this helps.

    Regards

    Lorraine

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  • Re: First Time Buyers

    Posted By: Bill Date: Sunday September 17, 2006 @06:57PM

    you may get somewhere 100% 180K to 200K depend on the income valuation done by the bank/broker. No deposit reqd. If u r looking for 30 yrs the repayment may be somewhere 850-900 per month for 180k.
    Cheers

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  • Re: First Time Buyers

    Posted By: Sandra Elders Date: Monday March 12, 2007 @12:15PM

    please call or e mail for information from independant mortgage advisor
    sandra.elders@lowe.ie
    01 8345555

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  • Re: First Time Buyers

    Posted By: shivshankar Date: Thursday September 15, 2005 @06:29PM

    I am a first time buyer and looking to buy a 3 bedroom semi detached house in and around tallaght or Lucan. Me and my wife are both employed and would want to get this organised fairly quickly.

    Appreciate if someone could contact me with some proposals.

    Thanks and regards

    Shiv

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  • Re: First Time Buyers

    Posted By: Prakash Date: Sunday December 4, 2005 @08:17AM

    Hello Shiv
    Nice to see an Indian name here. I would like to know what kind of job you are doing in here. I am looking for a job in IT (SAP MM) in Dublin or around. Could you please advice the easiest way to get a job here? I am sort of tired Shiv.
    I really appreicate any help you can provide thru email prakashjacob@hotmail.com.

    Thanks in Advance Shiv.
    Prakash

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  • Job in SAP

    Posted By: Indian Computer Professional Date: Friday January 20, 2006 @03:48PM

    Prakash,
    On which visa u r in Ireland. It is the most important thing. If u are on work visa / Spouse visa it will not be little bit difficult to get job in ireland. Have seen lot of op's in SAP area. In few interviews I have got 60/60 in technical knowledge, 30/30 in Education qualifications, but only 60/100 in communication skills. Irish employers give more importance to "Talk". Improve ur "accent". That is it. Surely u wil get a job in ireland.

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday March 21, 2006 @09:01AM

    you need to go to gfa.ie to get things moving quickly in relation to finance on properties - just got a nice service off them and will be going back again.

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  • Re: First Time Buyers

    Posted By: Tom Date: Friday October 28, 2005 @11:48PM

    Can anyone tell me is it true that the first time buyer's grant is only awarded if you are buying a new house and does not apply for a second hand one?
    Thanks.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Nick Crellin Date: Monday May 8, 2006 @07:36PM

    The first time buyers grant has been abolished.
    Sorry.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Nick Date: Monday May 8, 2006 @07:48PM

    Sorry Tom the first time buyers grant is history.
    Nick

    • Reply to this message
  • Re: First Time Buyers

    Posted By: .. Date: Tuesday January 10, 2006 @07:37PM

    .ρ.

    • Reply to this message
  • Before you buy...

    Posted By: open your eyes Date: Friday February 17, 2006 @10:47PM

    Buy and read:Robert G.Allen"multiple streams of income"or Nothing down.or visit http://www.multiplestreamsofincome.com or http://www.robertallen.com
    next thing:
    Robert T.Kiyosaki"Rich Dad,Poor Dad"or visit http://www.richdad.com

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Marcela Date: Monday October 13, 2008 @08:52PM

    I have interess about buy house , we living in Inchicore, just we have interest about self house, we have 3 kids, we need house with 3 bedroom and 2 bathrom and will be no too far from Walkinston or will be have good bus line in this area

    • Reply to this message
  • Re: First Time Buyers

    Posted By: myat Date: Sunday November 15, 2009 @07:46PM

    i want to know the advandage and disadvandage between bying house and apartment. pls let me know

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Steve Date: Friday January 7, 2005 @01:13PM

    Good Start regarding stamp duty

    Now lets get onto the politicians to get rid of VAT on new and second hand houses for first time buyers, this will greatly reduce the price of properties


    The main minister to contact is Noel Ahern T.D.; who is the Minister with responsibility for housing.

    Also get onto your local councillors, lists of councillors are availaible on the county council website relevant to your area - get them working for you, thats what there elected to do!!!


    Ring them, Mail them; it only takes a minute

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday January 18, 2005 @12:07PM

    Good Idea Any ideas on launching a national campaign- specific targeting of events, timing to bring about maximum publicity with desired effect.
    When was VAT on second hand houses introduced?. Must be in the recent past -i wasn't aware of it's existence

    • Reply to this message
  • Re: First Time Buyers

    Posted By: wise john Date: Tuesday August 23, 2005 @10:55AM

    Yet again this is another silly suggestion, cutting the VAT on houses will not solve your problem, look at what happened when the threshold was increased on the stamp duty on second hand homes to €317500, all it did was give people more money to pay for there homes, hence further driving the price of houses up. Take the area Stoney batter for example, 2 bed houses were selling for around €280000 before this legislation came in, then as soon as it did,suddenly the prices hit the €315000, €317000 mark. So i ask you do you still really think you'd be better off with a cut in VAT on houses ???

    • Reply to this message
  • Re: First Time Buyers

    Posted By: K Date: Saturday January 7, 2006 @12:05PM

    I think you didn't read the question !!!!
    It suggested that Vat on property removal for 1st time buyers ...... The property price should not change but Fees/Costs would be vat rate cheaper (21%)whilest seller still availing of the market price ! Or am I wrong ?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: LovingIt! Date: Sunday March 12, 2006 @01:59PM

    It's not common to have VAT on second-hand residental houses so it would only be applicable to new residental properties. Perhaps, a more sounder appoarch is that first-time buyers can claim the refund on the VAT rather than VAT not being payable so that only those genuine first time buyers have to make an application to the Revenue or whatever state body that would be applicable. By allowing developers not charging VAT would only result in it being abused. PS, the VAT rate on properties is 13.5%.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Ian Date: Wednesday February 2, 2005 @08:52PM

    is there any other discounts for first time buyers like getting a grant back etc???

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Thursday February 10, 2005 @10:34PM

    rubbish

    • Reply to this message
  • Shared Ownership Scheme or Scam?

    Posted By: James Date: Friday February 4, 2005 @10:27AM

    I've been approved for this scheme but was wondering if anyone has heard of any hidden pitfalls or costs etc. It just seems to good to be true! I'd hugely appreciate any feedback be it postive or negative. Cheers.

    • Reply to this message
  • Re: Shared Ownership Scheme or Scam?

    Posted By: Anonymous Poster Date: Friday February 11, 2005 @10:38PM

    looked into it briefly. Seemed to me that you would end up paying near as much on 40%mortgage + rent, as you would on a 100% mortgage while only paying off 40% equity in house. Perhaps I'm wrong but you should check it with a citizens advice bureau.

    • Reply to this message
  • Re: Shared Ownership Scheme or Scam?

    Posted By: Lah de ~Dah Date: Wednesday January 18, 2006 @10:46AM

    I pay 75% mortgage and 25% Rent to Dublin city Council under the shared ownership scheme. Deposit is only €1300. As I am over 40, I have a 20 year mortgage, so the monthly repayments are a bit higher. I can pay back the rental part in instalments of €1000 or outright. It would have been impossible for me to buy otherwise. The only pitfalls that i have heard of are when you find a property you like, it may be Market Valued at say,300k. The Council may value it a a lower ( realistic ) value and may not approve the loan. But otherwise, it's a great way to get started. Best of luck.

    • Reply to this message
  • Re: Shared Ownership Scheme or Scam?

    Posted By: Anonymous Poster Date: Tuesday September 23, 2008 @12:15PM

    scam my friend

    I have a friend who bought a 2 bed apartment(ground floor) for 285k ;-) he is now paying back €1400 a month over 25 years, paid a deposit of 10k , the total amount they will pay back is just over €430k (rough figure) , a complete scam , this is , cheaper to go throught the banks

    • Reply to this message
  • Re: Shared Ownership Scheme or Scam?

    Posted By: Greg Keaveney (Remax Accosiates) Date: Tuesday March 22, 2005 @01:34PM

    No catches what so ever as far as i'm concerned. cost me a grand total of 1000 euro deposit up front about 4 years ago to buy my first house. The trick is to continue to speak to brokers/banks etc after you have purchased through the shared ownership scheme, with the view of getting a full ownership mortgage and buying the other half of the house from the s.o.s. - i would suggest to leave it for about a year and then re-try for a mortgage.you should find this easier because you can supply the lenders with proof of part mortgage payments for a year - this greatly increases your chances of approval.Get on the property ladder asap. For first-time buyer properties check our website remax.ie

    • Reply to this message
  • Re: Shared Ownership Scheme or Scam?

    Posted By: Marie Naughton Date: Thursday February 2, 2006 @02:05PM

    Hello there,

    I have never heard of this before.
    Can you tell me if this is when you buy with a person you don't know?
    If so I would be interested in getting to know a bit more about this. Can you give me some details who to contact about this scheme please.

    • Reply to this message
  • Re: Shared Ownership Scheme or Scam?

    Posted By: Dana Date: Sunday March 19, 2006 @08:37AM

    I am a single person trying to get on the property ladder.
    Could you please let me know how you get approved for the shared ownership scheme? How much would you have to earn?

    • Reply to this message
  • Re: Shared Ownership Scheme or Scam?

    Posted By: Anonymous Poster Date: Monday January 15, 2007 @02:40PM

    Apply to the council in the area you want to buy the house. You must not earn more that 40K if your single. You should live in the house - i.e this is strictly for owner occupiers only. You must be able to afford 40% of the mortgage at the beginning and be able to get a 100% mortgage before the agreement is up.

    Look up the councils website and other information is on http://www.threshold.ie/menu.asp?menu=78

    • Reply to this message
  • Re: Shared Ownership Scheme or Scam?

    Posted By: Dana Date: Thursday March 23, 2006 @07:53AM

    Hi James
    Could you give me any information on how you get approved for the shared ownership scheme ? How much would you have to be earning and whats the highest amount that you can borrow? Any infomation is much appreciated.
    Thanks Dana

    • Reply to this message
  • Re: Shared Ownership Scheme or Scam?

    Posted By: richard Date: Thursday November 1, 2007 @06:29PM

    i think ireland shoulb not b i eu, because there is different law, and i think when you re in eu you flow the same law. for exemple in holland all houses are in hand of social welfare meaning anyone can have owner house by easly. hard here . people are getting crazy because of house.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday February 15, 2005 @03:23PM

    Should they not be showing properties of €317,500 or less not 300k. Those guys at daft are kinda daft!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Pamela Date: Thursday February 24, 2005 @12:12PM

    when viewing an ad for a house on daft website it says "finance this house from Euro x per month." It makes it sound like you can go for a house without having much of a deposit saved which would suit me at the moment but when you ask for more info it seems that is the same as other mortgages and you need your 8% deposit. Does anyone ahve any info on this or why it says this on the Daft website , what way does it work ?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Alan Date: Saturday March 5, 2005 @06:24PM

    It means that would be the cost of your mortgage per month i.e finance it for 700 per month means that your mortgage repayments would be 700 per month but you still would need to have a deposit

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Siobhan Date: Thursday February 24, 2005 @08:19PM

    My family and I are moving from Canada, (I am returning home)
    My husband has a job already, we will be purchasing a house and wanted to know what will be required of us, because we have never owned a property in Ireland???
    Any help would be appreciated
    Thanks

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Colum Date: Friday March 4, 2005 @10:55AM

    I am in a similar position. Been away for several years. What you need is a letter from the company to say you are in full time employment and what your salary is. You will need at least 6 months bank statments. Ideally you should have the statements from your canada bank. Its more or less to show that you were employed b4 and it shows your salary being paid in. But if you can do this i think they are that desperate to lend money you wont really need to. In fact, if you have 8% deposit and a job, thats really all you will need. they generally lend 5 to 5.5 times your salary.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: ada Date: Tuesday July 19, 2005 @12:10PM

    hi,you can send me your e mail address and contact number so i can reach cos i work with a property/mortgage company.i may be able to help .

    • Reply to this message
  • Re: First Time Buyers

    Posted By: tony cosgrove Date: Saturday July 15, 2006 @12:42PM

    hello i have just read the article regarding couple moving from canada to ireland any way to the point i live in the uk with a property for sale my cousin lives in galway working as a trainee plumber he is soon to complete his training he is interested in buying my property asking price £90000 sterling he wishes to move here eventually the market here is moving quickly again so he is afraid he may miss the boat therefore would you be able to help him any ideas regards tony

    • Reply to this message
  • New House

    Posted By: Midge Date: Wednesday March 9, 2005 @02:02PM

    Hi there

    I wonder if anyone could provide me with a comprehensive list (or know where i might find one) for someone moving into a shell of a house, i.e. concrete floors, painted walls and some kitchen cabinets and nothing else.

    I have signed contracts for a house and have no idea where to start - I'm particularly interested in a list that starts with basic things, like flooring, tiles, light fittings, etc.

    many thanks

    M

    • Reply to this message
  • Re: New House

    Posted By: D Date: Monday October 3, 2005 @03:38PM

    Saw your message - I'm in the same situation - Did anyone reply to you or give you any comprehensive information on this - I can't seem to see any on the site ?

    Thanks,

    • Reply to this message
  • Re: New House

    Posted By: MS Date: Monday April 10, 2006 @10:21AM

    I am also in the same situation. I am planning to buy a house and would like to know what kind of list do i need to know to get starting. please let me know if you have list. please mail me to magi_boys@yahoo.com

    • Reply to this message
  • Re: New House

    Posted By: j Date: Tuesday March 21, 2006 @05:39PM

    email me and will let you know

    • Reply to this message
  • Re: New House

    Posted By: natasha Date: Friday August 4, 2006 @08:41PM

    would like to get a list as well.thank you.natasha6.05@mail.ru

    • Reply to this message
  • Re: New House

    Posted By: Anonymous Poster Date: Tuesday August 5, 2008 @10:45PM

    hi, please send me the details also, and also approx costs. Thanks, tungsten36@hotmail.com

    • Reply to this message
  • Re: First Time Buyers

    Posted By: grace Date: Wednesday March 23, 2005 @02:15PM

    Hi,
    I'm soon moving back to Ireland with husband and two kids and although I own a house in France I have never bought property in Ireland. Any advice would be helpful!!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Declan Date: Friday April 1, 2005 @11:26AM

    I am moving back to Ireland in the coming months with a friend and we are seriously considering buying a property in Ireland together as we are fed up of handing out rent money to greedy landlords. I would be keen to obtain information on exactly what is needed and how much can be obtained for a mortgage sahred between to people. Thanks.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anne Date: Tuesday March 7, 2006 @09:08PM

    Hi there , my fiancee and I are planning to move home to Ireland - south east area , we are wanting to purchase a house also around $200k. Could you please give us some information also and information about the 100% mortage? as we are still living in New Zealand.
    Thanks - wademurphy@clear.net.nz
    Anne

    • Reply to this message
  • Help with buying your home.

    Posted By: Orla Fitzmaurice - Buyers Broker Date: Thursday March 29, 2007 @09:35AM

    If you are moving home to Ireland, unsure about how to go about purchasing property, lack time or just want to ensure you are not paying over the odds for your property check out our website - http://www.buyersbroker.ie

    We represent the buyers of property exclusively - sourcing property, viewing, negotiation and dealing with all ancillary agents (eg: engineers, solicitors etc...) so that we get you your ideal property, at the right price and the minimum amount of fuss.

    For further information or to book a free consultation call 059 6451927.

    • Reply to this message
  • Purchasing Property

    Posted By: Elaine Date: Friday April 15, 2005 @04:57PM

    wanna purchase property @ the advertised price?
    Two bed apartment, Ellis Quay (across from James Joyce bridge), first to offer 315,000euro, apartment theirs once signed contracts with solicitor. Call 087-2710174 for viewing. Advert also on daft. (D7)

    • Reply to this message
  • Re: We are looking for a couple

    Posted By: Lenka Date: Saturday April 16, 2005 @04:53PM

    Couple wanted to share two bedrooms apartment in Inchicore Dublin 8.
    Modern and quiet place.
    550 Euro per month + deposit and bills.

    Call: Roland 0857421648
    Lenka 0863040564

    • Reply to this message
  • Re: We are looking for a couple

    Posted By: anon Date: Tuesday March 21, 2006 @04:42PM

    Is this not a crazy price for inchicore!!!!!!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Quickie Question Date: Tuesday April 26, 2005 @02:47PM

    Does anyone know how long it normally takes for a cheque to be sent to solicitor from lending institute? And after solicitor gets it, how long b4 i get my keys?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: loal Date: Wednesday April 27, 2005 @10:06PM

    i have 2job, 1stjob =18,000 2nd job=15737==34,000 can u tell me how much can i get for mortgage
    utkas@hotmail.com

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Thursday May 12, 2005 @02:41PM

    Its about 5 times your salary so 5x 52000 = 260,000 or maybe even a bit more.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Thursday July 14, 2005 @12:35PM

    How many times your salary will they give you for your mortgage?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: sr Date: Wednesday November 23, 2005 @02:36PM

    Sols have a little habit of holding that cheque in their own
    account for a while.Pester them, your broker/bank should be
    able to tell you when the cheque has been issued.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: mary Date: Monday May 2, 2005 @07:27AM

    interested in buying back home, currently living in oz. any information /tips on where the best mortgage can be found ie ireland or oz?
    many thanks,
    mary

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Thursday May 5, 2005 @03:35PM

    Have bad credit rating,HELP!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Kent Date: Wednesday June 29, 2005 @03:36PM

    I am also in that position a couple of years ago i had a credit card when i was in college, missed a few payments but payed it all off in full. Closed the account four years ago. Going to buy a house and was told my rating was too bad!!!!!!!! Rang the credit card company and demaned they send a letter to the icb to correct my details.

    Go to http://www.ifha.ie for more info! And what ever you do pay your bloody bills!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Wednesday April 18, 2007 @08:36PM

    did the credit card company comply with your wish to have the slate cleaned, or did you have to wait the extra year

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday August 29, 2005 @09:54AM

    try http://www.mortgagedepot.ie they specialise in bad credit mortgages.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Fiona Date: Monday May 9, 2005 @09:13PM

    I am Irish living abroad and want to buy for the first time in Ireland, do the tax breaks apply to me also?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Wale Date: Wednesday May 11, 2005 @04:33PM

    I am buying a house in Rosnari Estate, Commons road in Navan. To my surprise, most of the houses in one part of the estate is up for sale and the are one of the cheapest around.

    Could anybody out there please tell me if there is a problem in this estate or why the big move? I have family to consider as the estate agents won't tell me nothing.

    Many thanks.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Penny Date: Monday May 16, 2005 @07:18PM

    Hi Wale,
    When ever people mention rough areas in Navan..Commons road is top of the list, sorry,but maybe thats the reason,
    best a luck bosco!
    penny

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday August 30, 2005 @04:10PM

    I viewed a house there 3 months ago,was goin to make an offer but a friend of mine who lives in clonmagedden in navan advised me not to he said its one of the worst in navan

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Linda Date: Monday August 14, 2006 @05:41PM

    Hi to the person looking at houses in Ros Na Ri.

    I live on that estate, and its very quiet.
    The reason that there is a lot of houses for sale is because a lot were originally bought for investment.

    In the last year alone they have rose by an average of €60K.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Thursday May 12, 2005 @02:28PM

    Can some-one please explain. If you want to buy a house costing 300,000 and you have a deposit of 30,000, how much do you need to borrow. 270,000 or 300,000? I'm a bit confused!!!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Friday May 13, 2005 @09:08PM

    You will need an additional 270,000 to finance the house if it costs 300K and you have 30K ...dont forget legal fees

    • Reply to this message
  • Re: First Time Buyers - The worries of buying..

    Posted By: penny Date: Monday May 16, 2005 @07:15PM

    I've been considering getting on the property ladder for a year now but wonder is it the right time to do so.most people say there is no bad. My main worry is that if I buy, I would not be able to rent it out if i have to move away on a job contract.Can anyone advise me on how the renting market is or is likely to be,Is supply going to meet demand?I hear that rent in Dublin is levelling off if not dropping..any opinions/info on this topic greatly appreciated
    Penny

    • Reply to this message
  • Re: First Time Buyers - The worries of buying..

    Posted By: Anonymous Poster Date: Thursday August 11, 2005 @02:35PM

    That's my worry too. Fact: rent is dropping. People who rent are now buying... I don't know, I wouldn't worry about that till you get your mortgage. I think that the banks wouldn't lend you the money anyway if they thought you could rent out a room. As a rule they won't give a 'single' applicant a mortgage for a one-bedroomed place.

    • Reply to this message
  • Re: First Time Buyers - The worries of buying..

    Posted By: Bill Date: Sunday September 17, 2006 @06:45PM

    Rent is depend on the location!!!. If it is somewhere in D4 certainly you get a tenant with handsome rent. But you should aware that all the tenants are now houseowners in certain areas and you find difficulty to get a tenant with good rent.

    Best of luck

    • Reply to this message
  • 100% Mortgage Criteria

    Posted By: EH Date: Monday May 23, 2005 @02:09PM

    Hi,

    I know there is 100% mortgages on offer to certain "professions" i.e. fully qualified solicitors, dentists, doctors, vets, opticians, and accountants. Quite a few banks etc. provide this deal (I know Ulster Bank and Permananent TSB do anyway).

    I am looking to buy (first time) and I have a good job but not one of the above (I am an IT profssional). Is it not a bit unfair that only certain professions can get a 100% mortgage. I am in a permanent well paid job and therefore why can I not get a better mortgage than the standard 92%.

    Anyone know where there is a better deal than the standard 92%??

    • Reply to this message
  • Re: 100% Mortgage Criteria

    Posted By: Anonymous Poster Date: Wednesday July 20, 2005 @11:43PM

    First Active now offer 100% mortgage to first time buyers!

    • Reply to this message
  • Re: 100% Mortgage Criteria

    Posted By: Lucy Date: Tuesday July 26, 2005 @03:43PM

    First Active have said that they will give 100% have a look on there website.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday May 24, 2005 @02:10PM

    I'm thinking of buying a house in Dublin. Can anyone advise me which areas to avoid. I notice in some areas houses are mucher cheaper eg Tallaght, Finglas. Is it safe to live there?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Sunday May 29, 2005 @10:58PM

    those are the places where you can get the best drugs, hire a hit man, get shot in the early hours.........what more can I say just read the irish press and you can see why those places are cheap, when some thing is too cheap mens its undesireable

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday October 4, 2005 @01:56PM

    Tallaght like all areas has its bad areas. It isnt all bad. I have lived in Tallaght all my 23 years and i loved it. My parents moved recently to Belgard also in Tallaght and its a lovely area.
    Avoid buying in fetercairn, jobstown, Killinarden

    Good places Springfield (fernwood, ashgrove), belgard, oldbawn, firhouse.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Friday January 20, 2006 @11:24AM

    LIKE ALL AREAS THERE ARE GOOD AND BAD EVERY WHERE. GOOD RULE OF THUMB VISIT INDIVDUAL ROAD OR EASTATE YOUR INTERESTED IN AT NITE BETWEEN 10PM AND 1AM. IF YOU FEEL OK AND DONT OBSERVE ANYTHING TOO WIERD OR WILD THEN YOULL BE FINE

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Petit Date: Tuesday May 31, 2005 @10:02PM

    I'm looking to buy a house and was wondering if anybody could advice about Bray, Ballybrack, Balbrigann and Clonsilla areas from the safety point of view. I have a small child and looking for a relatively quiet place near the dart station as I will have to commute to South Co Dublin to my work.

    Thank you in advance for all replies,
    Petit.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday September 13, 2005 @04:06PM

    There are certain areas of ballybrack and bray that you would avoid, but there are also certain places within those areas that are lovely. And the surrounding areas of Cabinteely and Dunlaoire are lovely.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: seiko Date: Saturday June 10, 2006 @10:53PM

    What would u say about Lucan area ? Is it not bad area to live ?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Diatom Date: Thursday December 7, 2006 @06:36PM

    Its a generally nice place to live, however commuting is a nightmare as mass transit is a joke and it can take up to 30 minutes each morning to just exit your housing estate. We sold our house in Lucan and rent in town now because my wife and I were spending more time in traffic then at home...

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday January 15, 2007 @03:49PM

    Weird I live in Lucan and it takes me 30 mins on the bus each morning into the city centre - I presume you don't work in town?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday June 14, 2005 @12:15AM

    i am thinking of buying a house on a new development, the asking price for them is 235, i was just wondering should i put in a lower bid, or do new bulids usually go for the asking price?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Teresa Date: Monday July 4, 2005 @03:55PM

    usually go for the asking price!!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Paul Date: Wednesday June 22, 2005 @02:46PM

    Re: First Time Buyers, Posted By: Paul

    Hi myself and a friend are thinking of buying a house together to get our step on the property ladder as its so hard for one person to buy solely as everybody knows! Say for instance,we are looking at a house for €335,000 and we have the 35,000 deposit and both of us earn a little over €30,000 per annum,would anybody be able to tell us would we get a mortgage for the remainder €300,000?

    Any info would be greatly appreciated,no matter if its not related directly to my question above,

    Thanks,

    Paul

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday July 18, 2005 @02:42PM

    You should get about 5 times your salary each - so yes.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: anonymous Date: Sunday July 3, 2005 @11:48AM

    Hi.
    im a first time buyer.My family and I are planning to buy a house in a new development, either ballarmine in stepaside or ticknock hill. Could somebody plz advice on which place would be a better place to live in.
    thank u

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday July 4, 2005 @03:59PM

    We have just bought in Belarmine...would recommend it over Ticknock because of the facilities, restaurants, cafes, shops, creche, schools etc that are going to be built around it. Also its a quieter area, in Ticknock you will have the constant drone of the M50 on your doortep. Also would imagine thatBelarmine will be considered a much more prestigeous development a few years down the line...think of your resale value etc etc.

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday July 11, 2005 @03:53AM

    There must be a couple of thousand apartments in Belmarine and surrounding areas....so fo resale i agree there will be plenty of choice ! .. I would recommend Ticknock ,,it has mix of 3/4/5 bed houses all in excess of 1500 sqft and good mix of 2/3 bed apartments .Already ticknock is commanding a premium over all of the newer estates in the area this will probably continue . It is bounded by the road to the south ...which really isn;t that noisey but the view is terrific and ticknock hill at the back ..couldn't get a better location.

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Sunday September 4, 2005 @12:36PM

    I would not advise on buying in any of those developments. In a few years these areas will be saturated with apartment/ townhouse sales...very little infrastructure currently there for volume of developments going up and the transport is currently not great. Buying in Dublin 8 is a far better investment. You will be closer to City Centre with great transport. Dublin 8 is still affordable for an FTB and prices are only going to rise here as the city expands.

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  • Re: First Time Buyers

    Posted By: Anne Waldek Date: Tuesday July 12, 2005 @04:44PM

    I work in Dublin and I have been looking on the 'commuter belt' for a house (cant afford Dublin). I was interested in a house in Trim - Mornington Avenue - and I was told that Mornington is not a good area - does anyone know anything about this area?

    Anne

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  • Re: First Time Buyers anne

    Posted By: sara Date: Monday October 3, 2005 @07:22PM

    hi anne have you thought about mullingar nice town good transport less than one hour from dublin new motorway is oppening november 1st at present we are selling a toataly revamped 4 bedroom dethached bungalow on 1/3 of an acer close to the town and just of the motor way house oppisite is for sale at 350k we have to move further into the midlands due to my husbands job quick sale price 275k you can contact me on o86 1739512

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  • Re: First Time Buyers

    Posted By: FTB Stamp Duty Date: Wednesday July 13, 2005 @11:00AM

    Has anyone heard of FTB having to pay Stamp Duty on house over 125Sq metres. Have put booking deposit on house 130sq metres and solicitor told me I will probably have to pay stamp duty - thought att FTB were exempt?

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday August 23, 2005 @02:22PM

    Yes. first time buyers are only exempt from stamp duty for Apt/House floor areas under 125 sqm on a new property and below €317,500 for a second hand property. Considering any second hand property below €317,500 in or around dublin is either uninhabitable, derelict, condemned or all of the above, does anyone else think this is a complete joke?

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Thursday July 14, 2005 @12:36PM

    When applying for your mortgage, how many times your salary will they actually give you? I have heard that health board workers can get more...Can anybody tell me anything about this?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Saturday July 16, 2005 @03:09PM

    I don't think the 100% mortgage is all its cracked up to be. Firstly regarding any type of mortgage people are not aware of all the hidden costs. its not just a case of being approved for such an amount tnd thats it, what about the interest added on to that which can push the price up by 30,000 and solicitors fees etc. These are all things that push me out of the ranking anyway - but who cares

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  • Re: First Time Buyers

    Posted By: Claire Date: Monday July 18, 2005 @01:58PM

    HI all

    I was wondering if anyone can shed any light on what companies provide a 100% mortgage and also if anyone has any details on the shared ownership schemes if they can forward would be great.

    Cheers

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Sunday September 4, 2005 @12:33PM

    GMC Mortgage Brokers offer the best independent advice for FTB on 100% mortgages. I think as a sole applicant you need to be on about €70K PA though.....or there abouts for joint applicants!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Mariusz Date: Sunday July 24, 2005 @05:00PM

    mieszkanie 5 osobowe 4 osoby mieszkaja szukamy 5osoby pracujacej 46e za tydzien depozyt 230e mieszkanie na cabra park 15 min. do centrum kontakt 0851206654 po 18 w czwartek caly dzien

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  • Re: First Time Buyers

    Posted By: Liz Date: Tuesday July 26, 2005 @08:33PM

    Im divorced and thinking of buying a house...Id like some help as Im not really a first time buyer, as such. My ex and I bought our original house in joint names in the 80's, which was sold when we split 5 years ago. Can I be a first time buyer on my own?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Thursday July 28, 2005 @06:35PM

    sorry Liz,
    once you have bought a house before, either alone or with another party you are no longer classed as a first time buyer

    • Reply to this message
  • Re: First Time Buyers

    Posted By: evey Date: Tuesday August 29, 2006 @11:52PM

    Hi..if your hsuband had bought you out from the family home you wold be classed a first time buyer again but I hear that you still get some benifit been divorced now.
    best of luck

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Sunday January 22, 2006 @02:26PM

    Liz,

    You are entitled to the stamp duty reduction as a first time buyer

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Friday October 20, 2006 @05:35PM

    If you are divorced and your ex-spouse is living in the family home you would be regarded as a first time buyer for stamp duty purposes. Look up Revenue web-site.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Aoife Date: Sunday July 31, 2005 @11:17PM

    My husband and I are thinking of moving back home to Ireland. We have a house in the UK and will be selling it. Would we be considered first time buyers in Ireland or does that disqualification apply internationally?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Thursday August 4, 2005 @11:27AM

    The abolition of stamp duty has done nothing good for first time buyers. It now means that if you want to buy a property in Drimnagh, Crumlin, Inchicore or any other popular areas, you have to bid in excess of 317,500.

    It has boosted the demand side of the property market only. This means that the prices will continue to be artificially inflated through tax reliefs given to investors & a glut of first time buyers seeking to get on to the market.

    • Reply to this message
  • Re: First Time Buyers Stamp Duty

    Posted By: Curious Date: Thursday August 11, 2005 @02:31PM

    Does anyone know how stamp duty works? If you buy a house more than 317,500, is the stamp duty paid on the remaining balance or on the whole amount?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Harold Date: Saturday August 13, 2005 @11:51PM

    Does anyone know wether Athy Dun Brin area where houses are for sale from 180k onwards are ok,location as any trouble,safe etc???

    • Reply to this message
  • Re: First Time Buyers

    Posted By: neil Date: Monday August 29, 2005 @08:11PM

    self and partner living in private rented accom paying greedy landlord fortune but recently got approval with boi for 100%mortgage both ftb, couldnt afford to save deposit, anyone any idea how much money we would need to have upfront to cover initial outlays such as legal fees/deposits, looking to buy new/second hand under the 317 mark, all advice welcome thanks

    • Reply to this message
  • Re: First Time Buyers

    Posted By: nick Date: Saturday November 26, 2005 @01:11PM

    same situaton.know nothing about all them fees

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Emma Date: Tuesday August 30, 2005 @04:11PM

    Can anyone advise me if im entitled to a grant heard I was but mortgage advisor said no

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anon Date: Thursday September 1, 2005 @06:06PM

    Before you even THINK about getting into the situation of having to come up with €600+ a month to own the house you live in, read this... http://www.finfacts.com/irelandbusinessnews/publish/article_10002284.shtml

    • Reply to this message
  • Re: First Time Buyers

    Posted By: spud Date: Tuesday September 6, 2005 @11:45AM

    I have just been refused a mortgage because of credit rating did anyone get a mortgage with bad credit before

    • Reply to this message
  • Re: First Time Buyers

    Posted By: lenna Date: Thursday September 8, 2005 @01:41PM

    Anyone know of good cheap solicitor for first time buyer in dublin/wicklow area? Thanks

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday September 12, 2005 @02:12PM

    "Anyone know of good cheap solicitor for first time buyer in dublin/wicklow area? Thanks"

    Good question.

    I only know one in Carrik on Shannon.... :-)

    Any solicitors in dublin/wicklow with fixed fees?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: alan Date: Thursday March 23, 2006 @12:07PM

    b&p solicitors inchicore dublin 8..ask for paul

    • Reply to this message
  • Classification: First Time Buyer OR Investor????????

    Posted By: ConfusedIrishGuyInBoston Date: Saturday September 10, 2005 @02:18AM

    Hi All - I'm an Irish guy living/working over in Boston for the past year. I'm currently thinking of buying a property back home at the moment.

    One Mortgage broker told me that because I'm currently living in the USA that I'm going to be classified as an Investor instead of a First Time Buyer even though I have never purchased a house before (meaning I'll be paying a higher interest rate).

    Does this sound right? Even though I'll probably be home in a year and living in this house I buy?

    Thanks for any info!

    • Reply to this message
  • Re: Classification: First Time Buyer OR Investor????????

    Posted By: Niamh Date: Thursday December 8, 2005 @09:11PM

    Did anyone ever answer you on this? I am in a similar situation, living in Colorado but wanting to go back to Ireland. Would like to buy before going back and can't seem to get any information on how to go about applying for a mortgage. If you get any informaiton please pass it on!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Annoymous Date: Tuesday September 13, 2005 @10:53AM

    Hi,

    I bought an apartment nearly 3 years ago now as a first time buyer in Drumcondra. Im looking to going travelling and I am wondering what are my best options. Ideally I would like to keep the apartment and rent it out but im wondering what pitfalls there are including - stamp duty claw back etc.

    Thanks!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Magda Date: Wednesday September 14, 2005 @08:37PM

    Do we need a deposit to get mortgage?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Lesley Date: Sunday September 18, 2005 @11:04PM

    Hi
    i am about to seperate from my husband and wanted to get a morgage i am a ftb and earn 38000 a year will i get a morgage and will i be able to buy

    thanks for any advise

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Nicole Date: Sunday September 25, 2005 @12:12AM

    I would like to know how much could we loan if i am earning 55k and my partner is 25k. I have a car loan having a monthly payment of 525.00 can we still be allowed to borrow a 100% I am a Quantity Surveyor and my Partner is a Store Assistant. Please advise thanks.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: C Scott Date: Wednesday September 28, 2005 @10:17AM

    We are looking to buy a house or land to build in Navan and just about every plot of land that is on the market staits
    LOCAL NEEDS. Now as far as I know that is discrimination, and I would like to know what can be done about it.

    Thank you

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday October 3, 2005 @08:45PM

    I am a first time buyer, wondering on any tips anyone would have when renting out some of th rooms, not sure whether i will live in the house or not? any ideas?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Andrew Date: Friday October 7, 2005 @09:00PM

    I returned from the UK last year and rented my flat out. I would like to buy here. Will I be considered a first time buyer? Should I just say nothing about about the UK flat? Thanks

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Homebird Date: Sunday October 9, 2005 @02:22PM

    This is written in despair. I'm a single man in my forties, average income. I've been living in shared accomodation for the past fifteen years and feel it's well past the time to have my own place. Problem is, there isn't anything there for the likes of me. I live in Dundrum but haven't a hope of buying in this area or anywhere near it. My income is too high to qualify for affordable housing (if there was any available) but it's too low to get an average mortgage.

    I would consider a partnership arrangement with someone else but I don't know of anyone who would do that. Another idea was to look for a property investor - someone who wouldn't live in the house. I could then rent out a room in the house and property could be sold for a profit after five years, but obviously the return for a potential investor would be too small. Is this a silly idea?

    It all looks very bleak. Is there a way out? Anyone have any ideas?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Mia Date: Monday January 15, 2007 @04:02PM

    Did anyone get back to you on this. I am in a similar situation - currently sharing in Stillorgan - and have been sharing in different places for the last ten years - the max mortgage I would be approved for is approx 200-225K.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Lesley Date: Thursday October 13, 2005 @10:12PM

    hi
    about to seperate from my husband and wanted to by my own home as renting is very expensive. i am 41 (today) and am a ftb i earn about 38000 a year would i be able to get a morgage and would i find a house to buy.
    thanks for any advise.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday January 15, 2007 @04:05PM

    You can apply for affordable housing as you earn less than 40K. You need to apply to the local authority were you want to buy.Be warned there is not a lot of it. I believe Dublin City Council hold lotteries twice a year!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: M Date: Sunday October 16, 2005 @07:41PM

    I am in my mid twenties, and just qualified as a primary teacher. My salary is approx 28,000.
    I'm just wondering about 100% mortgages. I am hoping to move out of home again soon, but hate the thought of paying rent again, as its such dead money.
    Just wondering would I be completely laughed at if I went into the bank to enquire about a mortgage. I havent approached anywhere yet, but I'm just wondering am I completely off the wall hoping I might get a mortgage of something around the 200,000 mark?
    I would hope to buy down the country where property is slightly cheaper, but its difficult when you are single, as opposed to a couple with two large salaries.

    any help appreciated
    Thanks

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  • Re: First Time Buyers

    Posted By: D Date: Monday October 17, 2005 @01:16PM

    HI M
    Im Currently on a Salary of €32k and the hightest mortgage loan I was offered was €220k. I have a deposit saved but needed a guarantour. The Guanantour will be taken off my Mortgage when I reach the €37k mark.
    My advise to you would be to go through a broker, I found I got the best deal and they will get the best deal around for you....

    • Reply to this message
  • Re: First Time Buyers

    Posted By: M Date: Tuesday October 18, 2005 @10:39PM

    Thanks D. Much appreciated. I'm not sure still if I will have any luck but its worth asking-cant do any harm anyway. I've seen some apartments for around the 160/170k mark so maybe i'll go for something like that-they will probably be smaller than a shoebox but anything just to get onto the property ladder!
    Best of luck with your new purchase too.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: nik Date: Thursday October 27, 2005 @03:31PM

    I am just wondering if anyone could tell me if they have gotten a mortgage with a bad credit rating?tx

    • Reply to this message
  • getting mortgage

    Posted By: chris Date: Friday October 28, 2005 @03:43PM

    hi, i'm first time buyer with my girlfriend and having problems getting a mortgage. we have both got good jobs/ credit history.... but... she is on six month contract which apparently can not be taken into consideration and much of my income is in "expenses". as mortgages are considered on taxable income we can not seem to get a mortgage despite joint monthly income of 4000 euros and our current rent much higher than what we expect proposed mortgage repayments to be.... this seems somewhat unfair!

    any suggestions would be welcome.. please email me cris999@yahoo.com

    • Reply to this message
  • Re: First Time Buyers

    Posted By: T Date: Saturday November 5, 2005 @02:55PM

    Recently Got 100per cent mortgage from Perm TSB Went through our own branch.We found it to be very easy. The whole cheque came through within a week of us signing the loan acceptance form so we didn't even need the full deposit in the end. Our solicitor fees were 2600 and engineers fees of 500. Think its a good idea for those who may not have the deposit plus furniture for a house as it is costly to get all the bits and pieces. Depends on the situation.

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  • Re: First Time Buyers

    Posted By: T Date: Tuesday January 17, 2006 @05:14PM

    Hey T, please may I have the name of that solicitor you went trhough with the 100% mortgage, that`s cheaper than my last quote!

    Thanx

    • Reply to this message
  • Re: First Time Buyers

    Posted By: mary Date: Wednesday November 9, 2005 @12:23AM

    how can i get an affordable house or flat? my wages are small

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday November 21, 2005 @09:24AM

    House prices remain and continue to rise for first time buyers. Do you know why? Like most so called complicated
    issues, the answer is usually simple - apply common sense.
    Collectively you have the solution- STOP BUYING HOUSES OFF THE PLANS FOR 6 MONTHS - JUST 25 WEEKS.

    you are an intelligent educated lot but you must be very serious and committed to bringing down the prices. The builders - are taking you all to the cleaners - surely there are plenty of Quantity Surveyors among you and it is not rocket science to put on paper the vast overcharing
    for houses.
    Now with interest rates rising just do a little excercise;

    How much would you save over the lifetime of a mortgage if you succeed (and you can) in bringing down the prices by say
    15%. Just as good in your pocket as the Developers.

    Think about it.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Danielle Date: Sunday March 26, 2006 @03:46PM

    Seconded! Once people stop queuing over night to buy property off the plans, prices will go down!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Friday July 6, 2007 @05:02PM

    I agree - mad eejits - there the reason working class single ppl cant afford housing -

    • Reply to this message
  • first time buyer grant

    Posted By: Alan Date: Monday November 28, 2005 @10:29AM

    I know this might be a stupid question! Is there a first time buyers grant available? Ive heard yes,no, It depends,maybe. but have never got a right answer! Can any one answer this for me? If there is what is the criteria?

    Thanks.

    • Reply to this message
  • Re: first time buyer grant

    Posted By: Nick Crellin Date: Monday May 8, 2006 @07:42PM

    Dear Alan
    Sorry the answer is no. the first time buyers grant has been abolished.
    Nick

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  • Re: first time buyer grant

    Posted By: Nick Date: Monday May 8, 2006 @08:01PM

    Sorry but the first time buyers grant has been abolished.
    You will get Mortgage tax relief though which will help.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Jackie Date: Wednesday November 30, 2005 @03:09PM

    Are you over 25, living at home with your parents but in desperate need of getting your own place? If so, a new property series for RTE can help! Independent Pictures (producers of Show me the Money and Rip Off Republic) are looking for participants for a brand new property series about first time buyers. Our experts can cut through the nonsense and help you find your very own property. Obviously, you must be willing to go on television! To find out more, email alex.m@agtel.ie or call 01.7088149 / 191.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: stephen Date: Monday December 5, 2005 @03:17PM

    hi,i just read your message and would be interested in finding out more but unfortunately im only 21 and am looking for my own property with my girlfriend but to be honest we're kind of clueless about the whole process and would like to get some help in trying to get a bit more knowledge.we've being to a morgage broker and being approved but still find it impossible to find anywhere or if we've even going about things the right way,we'd really appricate it if you could get back to us.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: jw Date: Thursday January 3, 2008 @11:25AM

    Stephen, if you are still looking for somewhere at a reasonable price, give me a call 086-3691213 and i may be able to give you advise also.

    • Reply to this message
  • Bad Credit

    Posted By: Na Date: Monday December 5, 2005 @02:24PM

    What can a person who had a bad credit mark eight years ago get in relation to Mortgages amount? Through places that offer refused a mortgage mortgages

    • Reply to this message
  • Re: Moving Back to Ireland

    Posted By: Niamh Date: Thursday December 8, 2005 @09:20PM

    Hi,

    My husband and I are currently living in the US but hope to return to Ireland within 2-3 years. We feel we need to buy sooner rather than later with prices going up every year. We have a house here in the US so would we be classed as first time buyers in Ireland? Any ideas on how to get a mortgage while still living and working in US? Any ideas on getting round the Local Needs laws for building? (Is anyone going to bring this to the EU Courts as blatant discrimination? )And finally any thoughts on buying property in Cavan as they seem to be cheaper, bigger and not the ususal, shoe box, boring houses they are built throughout Ireland.

    Thanks for any information.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: James Mcgee Date: Monday December 26, 2005 @04:49PM

    Hi there,

    I'm trying to select an area in Blanchardstown to buy a two bed room house or apartment in.

    some freinds recommended Waterville nearby the national Aquatic Centre,Not sure if it is a good area or not?
    Looking for your advice.

    Thanks
    James

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Wasim Date: Tuesday January 2, 2007 @05:18PM

    hi,
    friend of mine live in Waterville and his three cars was stolen each time he bought and park there next day gone without sign alarm was there every thing is fine but he said this isnt good area to live or to buy property as i was also thinking to buy there its near very near and new development. correct me if i m wrong,
    now i m buying 3 bed home in kilminche in county loise and i heard its very nice area and affordable price as well

    • Reply to this message
  • Re: First Time Buyers

    Posted By: kingsley eguakun Date: Wednesday January 4, 2006 @10:04AM

    hi please lm looking for house to buy in county louth form 100,000 to 170,000uero that is for 3bedroom

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Aileen Date: Thursday January 5, 2006 @10:59AM

    Hi,
    just wondering what the situation is with 100% mortgages and deposits. I assume you still require a deposit but is the average 5% or 10%? I'm looking to buy in Dublin.
    Also can you borrow for a deposit?
    I have am SSIA a/c but would like to keep that going and not cancel it for the sake of the deposit.
    Cheers!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Malena Date: Tuesday January 10, 2006 @07:57PM

    I'm reading and reading what you've all written...And noone even mentioned that the prices could go down in few years time.And what then???? You'll be left with huge mortgage to pay? Anyone thinks in that way?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: T Date: Tuesday January 17, 2006 @05:11PM

    Does anyone know of a GOOD cheap solictor for 100% mortgages in Dublin North, or Meath areas? The last one let me down, literally forgot me!

    Thanks

    • Reply to this message
  • Re: First Time Buyers

    Posted By: A.P Date: Wednesday June 7, 2006 @09:52AM

    go to your Credit Union and ask them about Home Buy Home Sell, i think they will get you in touch with a solicitior for a fixed rate of 999 or something like that. it would be worht looking into it.

    • Reply to this message
  • Re: Affordable Housing

    Posted By: Jeanie Date: Wednesday January 18, 2006 @08:09AM

    partner and i currently renting from wicklow co.council with plans to buy from them. can we buy and sell straight away? we could buy land from council to build on. is there anyone to discuss this with as i am unsure what to do. when your mortgage goes ahead, will lender increase it if you are building on?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: first time buyer Date: Wednesday January 18, 2006 @05:22PM

    what exactly is the latest news re first time buyers 100% mortgage availability? What exactly are the terms and conditions attached to qualifying for this. PLEASE HELP!!!!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Zacarias Maciala Date: Saturday January 28, 2006 @09:46PM

    Dear Sir/Madam,


    I'm looking to buy a new 3 bedroom home within Dublin north side area. Full time employed.

    Would you give me more information in this regards.

    With kind regards

    Zacarias Maciala

    Mobile:0877914049
    Home:016405156

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Catherine Date: Tuesday January 24, 2006 @11:49PM

    Hi we recently just bought a house in the country it wasn't new. To do so we had to use all our savings to pay off an existing loan, that was the money we had put aside to do up our house. Are we entitled to a first time buyers grant. Or is it for new builds. Can someone please help ????

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday January 15, 2007 @04:09PM

    There is no first time buyers grant anymore

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Thursday February 9, 2006 @07:17PM

    Hoping to buy my council house and then sell within a few months is this alllowed by the council? can you keep any profit made or do the council expect to be refunded? is it enough to go on the deeds of another house rather than buying another property ?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Louise Date: Friday February 10, 2006 @09:02AM

    Just wondering if anyone knows of a bank/broker that will offer mortgages when there is already an existing large personal loan.

    I'd really appreciate your help.

    thanks

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday March 21, 2006 @09:03AM

    you might try GFA.ie they will help. THey helped me.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: realist Date: Monday February 27, 2006 @10:01PM

    hi

    do any of you lot do the maths on interest repayments?
    it baffles me when educated professionals completely ignore the laws of mathematics while "investing" in property.
    if you buy an 1 bed apartment for 300,000 at 3% interest a yr thats 9000 euro in interest in year one.
    if you earn 50k a year ( a good salary at any rate)
    thats 1/3 of your after tax income in interest repayments - this is at Best case scenarios - interest rates are at 20 yr lows
    if rates go to say 5% in 2 yrs the same person will be paying 5% on 300,000 - 2 yrs rent saved ( say 15,000 euros ) = 5% on 285,000

    = 13,000 euros a year in interest repayments in year 2. and you still owe 285,000!.once interest rates rise they do so in long cycles sometimes up to 20yrs.

    you are all depending on house prices going up for ever.
    assume your salary increase 10% to 55k thats only an extra 200 per month in disposable income. not to mention equity release which id compare to digging the foundations from under a house and hoping it will stay standing.

    wake up and smell the coffee- the laws of mathematics will not be different for Ireland.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday January 15, 2007 @04:14PM

    There is a variable missing from your equation mate - its called rent!

    A 285000 apartment is currently renting for 1000-1200 a month.

    By buying you are saving approx 12K a year.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: CBJNR Date: Friday March 10, 2006 @08:00PM

    Hi there,

    I am looking to get my foot on the property ladder.
    Only earning €28K - recently moved positions in company from accounts to IT but no qualifications.
    What chances of mortgage and how much; and what areas in surrounding Dublin/Kildare areas should i be looking to buy?

    Any help would be appreciated.
    CBJNR.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday January 15, 2007 @04:16PM

    You qualify for affordable housing.

    http://www.affordablehome.ie/home/index.aspx

    • Reply to this message
  • Re: First Time Buyers

    Posted By: romeo Date: Wednesday March 15, 2006 @07:54PM

    hi

    im just wondering, tell me if its stupid...as im sure u will. would it not be a good idea to invest in a few foreign properties instead of paying the astranomical prices in dublin. you could buy 2 houses / appartments in germany for the same price...and their not on the verge of a property crash. you invest foreign...wait for the bubble to explode and then come back and pick up the pieces...simple

    • Reply to this message
  • Re: First Time Buyers

    Posted By: paul Date: Friday March 17, 2006 @11:52PM

    Just want to say something to realist and a few others.
    Its very easy to point out possible disasters that first time buyers face. Its like posting a load of complaints about the shortcomings of democracy. Do first time buyers have any other options?
    You are all very short of alternatives. The alternative (in Dublin city anyway) is to throw away at least 1,000 Euro a month on rental. Now thats hardly clever. This bursting bubble has been threatened since early 2002.

    I just want to know what exactly you guys are suggesting, or do you have any intelligent suggestions???

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Mini_me Date: Saturday August 14, 2010 @06:24PM

    One option is to buy the land and build the house yourself. I have seen this in Spain. Someone teaches you how to make it and you put the work and materials.

    You may think it's going to take ages to finish it, but how long does it take to pay a built overpriced house?

    My uncle did it together with his wife, working on weekends.

    My mother did the same but just as manager; looking for an Architect, looking for workers, buying materials...

    Think out of the box!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Holger Date: Sunday March 26, 2006 @06:10PM

    Hi - well I moved over in January from Germany - the house prices here are already crazy when you compare them with Germany - I have studied and we can look as a couple for a first time buyer mortgage - this first time buyer story is only about avoiding the tax when I got it right? I am really wondering because we both earn 23k + 1,5k normal bonus - and that is of course only starting salary and you are asked for overtime every single day of the week - so that it really is easy to go to 29,5k for both of us - how long do we have to be in Ireland before the banks consider to give us a loan of about 300k and a 100% mortgage - I could imagine the banks here are more liberal with giving loans because the chance of unemployment is close to zero in comparison to Germany - well it would be great if someone could tell me for sure what to do best when I am interested in "interest only" and additional saving to something like Life One for the payback

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Wednesday April 5, 2006 @08:02PM

    you are lucky that you think jobs are so available to everybody - gluckwunsche - that it is so easy to get employment. I am highly qualified but because I do not come from Europe am being side-lined all the time for jobs. i have just about given up and although i have an Irish passport maybe I will go and live elsewhere in Europe where they will be able to think out of the box because i have so many qualifications.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday January 15, 2007 @04:19PM

    Im Irish and took a year to get a job in Ireland or the UK because I had too many qualifications.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Debbie Date: Tuesday April 4, 2006 @02:24PM

    I'm a first time buyer. I've been looking into mortgage options, but to be honest, i'm as confused as ever. I think the best bet would be to apply for a 100% mortgage and take it from there. does anyone have any views/opinions on where i should start or recommendations for who i could arrange a meeting with to discuss my options, preferably in or around Cork City. What i'm interested in at the moment is finding out approx how much i would get and the process in which a mortgage application is done. (very vague i know, it's all very new to me)!

    i'd appreciate any comments/help!!!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Wednesday April 5, 2006 @07:57PM

    I am a 'first time buyer' Want to buy in Ireland with South African money (7.5 to 1 Euro) I have the equivalent of E200,000 - any suggestions how I dont use that money and raise a mortgage instead but i am not employed and want a two bed so i can let the one room which should pay half of the mortgage and the interest on the rest of the money left in SA would pay the rest. Has anybody heard of this kind of deal.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Saturday April 8, 2006 @08:32PM

    I have bought property abroad, now i have i have come back to ireland and am priced out of the market, Do you know of any tricks that will let me avail of the first time buyers allowance?

    • Reply to this message
  • First Time Buyers - wait for the crash?

    Posted By: Sean Date: Thursday April 13, 2006 @12:41PM

    I'm thinking of waiting for the house price crash to come before I buy. From what the Central Bank says, it's not too far off. But, as well as house prices falling, will the salary and other conditions imposed by lenders become stricter as well? Will it be a lot more difficult to buy then?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Lorraine Date: Thursday April 20, 2006 @11:52AM

    Hi Guys

    Just got approval on a mortgage for 275k..want to buy a 2 bed in Dublin, any body give me any advice on what Finglas is like?

    Thanks a mill

    • Reply to this message
  • Stamp Duty Issues

    Posted By: Anonymous Poster Date: Monday May 8, 2006 @07:38PM

    hi... i am about to purchase my second house. it is brand new, in a new development and is over 125sq Meters. I intend to live in it and be my new home. Am I liable to stamp duty? if so how much? Auctioneer says yes...I am, websites are saying different. Any ideas...

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Nick Date: Monday May 8, 2006 @08:06PM

    Sorry Alan but the first time buyers grant has been abolished.
    You should be entitled to tax relief on your mortgage which will be of some help.
    Nick

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Wednesday May 10, 2006 @06:52PM

    hi

    i am a ftb with my fiance and we have been approaved for a mortgage of 330k, but we have been let down by so many developers telling us that they will be launching at a certain price but within our budget only to discover that the price has gone up by nearly 70k in 4wks !!! is this legal ??? we are pulling our hair out trying to find somewhere thats not a match box. would like to live in tallaght or lucan or even south dublin , any suggestions

    much appreciated

    • Reply to this message
  • Bad Credit

    Posted By: dani Date: Tuesday May 16, 2006 @04:50PM

    Hi

    Just a little advice .I have about 10K worth of bad debt ( I know awful ) and am paying it off and have enquired re mortgage approval and most brokers have said start mortgages should be able to help however I am just wondering does that depend on how much debt you actually have or has anyone been through this process at all that could give me some advice . I do have a good job know with a good basic and excellent commision

    • Reply to this message
  • Property Silver Coast Portugal

    Posted By: Antonio Mendinhas Date: Sunday May 21, 2006 @05:50PM

    We are estate agents with Remax in Σbidos, Portugal, specializing in the Silver Coast, Lagoon and Golf regions. We also give free assistance throughout the whole house-buying process with documentation, banks, etc. Contact me personally to help you find your ideal home in Portugal.

    amendinhas@remax.pt
    mendinhas@mail.telepac.pt

    • Reply to this message
  • Re: First Time Buyers

    Posted By: COCO Date: Sunday May 28, 2006 @01:05PM

    WAKE UP PEOPLE,BY REAL...WE LIVE IN IRELAND.CAN YOU BE SUR OF IRISH ECONOMY PERFORMING AT MAX POWER FOREVER.FORIGHN INVESTORS HAS LIFTED IRISH ECONOMY....WHAT ARE THE MOST POWERFUL SECTORS OF PURE IRISH ECONOMY?CAN WE ALL GET A JOB IN THI SECTORS,IF THE ANSWER IS NOT,THE PROBLEMS START ....SO BE REAL...THE HOUSE PRICES ARE NOT REAL,THEY ARE FORCED UP.

    • Reply to this message
  • Re: Help

    Posted By: Chicky babe Date: Monday May 29, 2006 @06:17PM

    Hi all ,

    I earn 36,000 a year what house should i get wendy house or what ?
    What a joke
    CNB

    • Reply to this message
  • How do banks etc know if you are first time buyer or not

    Posted By: Anonymous Poster Date: Thursday June 1, 2006 @05:14PM

    Hi Guys,

    Not sure if anyone knows the answer to this. I've recently bought a new house and am thinking about buying a second one. I got my loan for first house with BOI. Buy to let mortgages only give 85% of value of house. if i applied for 2nd mortgage through say for example AIB, would they know i already have a mortgage? Basically im trying to not pay stamp duty and trying to have to pay less than 15% of the house prices in deposit.

    Any ideas?

    Thanks in advance

    • Reply to this message
  • Re: How do banks etc know if you are first time buyer or not

    Posted By: Bill Date: Sunday September 17, 2006 @06:13PM

    Certainly any bank in Ireland would know. There is a credit control agency, which monitor any types of bank loan/credit card/Direct Debit transaction details. If you happend to fail to pay any credit card payment/direct debit certainly your rating point would decrease and that will effect on your next loan/CC/DD whatever. So there is no way you can hide the first mortgage and avail the second one. Believe me!!!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: sinead mc cormac Date: Saturday June 3, 2006 @03:03PM

    would like 2 buy a house around galway.living in london can i take out a mortgage here 4 the house in galway

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Laura Date: Wednesday June 7, 2006 @04:26PM

    Hi all
    Can anyone help us. My partner and i are first time buyers trying to get 100% mortgage. He is self employed and i am a domestic engineer. He earns around 50,000 a year and tried to apply on his own as you are entitled to more this way.However we have one car loan for 18,000 euro and have been told no by couple of banks. We are now using mortgage broker but he said because of loan and dependants we will prob only get 168,000 and it prob wont be 100%.

    This is stupid for a family of 5 in todays rising house prices. We are over the limit for affordable housing so where does that leave us.
    He will be 46 this year and we really need to get our foot on that ladder.

    If anyone has been in similar postion and managed to get a mortgage or if you just know of any other options would really apprecaite it, as am at stage of being reduced to renting for rest of life.
    We dont have a deposit and not much savings but you would think someone would humor us.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: john Date: Wednesday June 21, 2006 @12:14PM

    Beware the crash is on it's way, the ten year economical cycle is at an end,the germany ecomany is improving,interest rates are rising,central europe is looking more attractive for the multi-nationals and public is in general fed up of rip of Ireland.

    The quality of life in this country is poor, the politicians have made themselves and their cronies rich -through sect 23 tax schemes and their is more landlords now than the days of English rule!!!

    Those renting should have compulsory purcahse if they have been renting for 5 years are more at affordable housing rates -Exercise your vote wisely this coming year and vote for change

    Final word "estate agents" are not to be trusted
    The Irish property market is the laughting stock of europe
    and the Mc Donalds advert truly reflects the standard of housing in dublin today (container box)- good luck

    Looking forward to EEC directive on an even playing field
    of corporation tax throughout europe!I hope your sums balance then, if not your friendly estate agent might just help you for selling an over inflated property- remember the fiasco of financial advisors selling endownments!!!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: SFB Date: Wednesday June 21, 2006 @01:20PM

    Hello there, I was wondering if anyone could help us. My partner and I are trying to get a house or apartment or whatever we can at this stage. My salary's on the range of little over 33.000 but my partner has temporary positionsand his salary is not great (neither is mine, but his is less than mine) I say "but" because this is the reaction we got from the mortgage broker we went to.
    Any advice please, we're sick of throwing money away by renting. I mean, if we can rent and pay religiously every month, we wouldn't we pay a mortgage...

    Thanks,

    SFB

    • Reply to this message
  • Re: First Time Buyers

    Posted By: jw Date: Thursday January 3, 2008 @08:24AM

    Hi, Seen you add on daft. Wondering if you ever got sorted to buy somewhere. If not, give me a call 086-3691213 or mail john_k.woods@boimail.com and i may be able to help/advise you.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Thursday June 22, 2006 @11:44AM

    MY PARTENER AND I ARE BOTH IN OUR MIDDLE FOURTIES WITH FOUR KIDS AND VERY SOON WITH NO HOME.WE HAVE BEEN RENTING FOR SIX YEARS WITH THE VIEW TO MOVING BACK TO THE UK.WE NOW HAVE TO VACATE THE PROPERTY BY AUGUST CAN'T FIND ANYWHERE TO BUY IN OUR PRICE RANGE 4,550 IN WICKLOW OR TO RENT SHORT TERM ANY IDEAS? WE LIVE IN BRAY.

    • Reply to this message
  • Re: First Time Buyers Am I?

    Posted By: Mark Date: Thursday June 29, 2006 @04:07PM

    Q.Do I qualify as a first time buyer?

    I was given a house at the age of 15, and because I never bought this house am I now in a position to avail of the first time buyers discount?

    • Reply to this message
  • Re: First Time Buyers Am I?

    Posted By: di Date: Thursday July 6, 2006 @05:14PM

    John, You obviously have no idea what you are talking about, and very unfair to judge estate agents in that way.

    Good estate agents have kept this country afloat, made some people very rich and given job to all new home owners.

    You obviously left your money under you mattress instead of investing,
    This country of ours is doing jsut fine, it may slow down a bit, but the property boom is certainly not over.....

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday July 11, 2006 @03:49PM

    On the verge of buying a house in the country. It's an old house-pretty big with six bedrooms, in need of a renovation. I'm taking out a joint mortgage with my partner (unmarried) and was told from my bank manager that I don't have to pay stamp duty cos I'm a first time buyer. However, our solicitor says that I do have to pay it! My partner has his own home already so he definitely will. He is fairly reluctant to put the house solely in my name (the swine!) What do I do, I can't afford to pay stamp duty????

    • Reply to this message
  • Re: First Time Buyers

    Posted By: stamp duty query Date: Thursday September 28, 2006 @11:29AM

    Your solicitor is correct - buying the property jointly will cost you stamp duty. you will be paying a lot so that your partner can have his name on the deeds.

    • Reply to this message
  • 'Claw Back'

    Posted By: Annna Date: Tuesday August 1, 2006 @03:40PM

    We purchased our home as 'First TIme buyers' 3 years ago, we are now purchasing a second home and are intending to rent out our first home. Once we recive in rental income we will be liable to pay back 'claw back' the stamp duty that we did not pay.
    I was wondering does anyone know a way of avoiding this I did hear that if your house is under 125 sqmeters that you are exempt from the 'claw back'
    Any advice would be helpful

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Margaret Date: Tuesday August 1, 2006 @03:52PM

    Hi all!
    Me and my boyfriend are going to buy a house in here - Ireland. I am first time buyer but my boyfriend has got a summer house in France (15k€). Can we both buy a house in here as a first time buyers or he can't?
    I would really appreciate an advise as we are going to sent document for mortgage tomorrow!
    Thanks
    Margaret

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Sunday August 13, 2006 @06:55PM

    re: reply to john by di.

    well well well - di obviously short for director estate agency. get a grip

    • Reply to this message
  • Re: First Time Buyers

    Posted By: mick Date: Monday August 21, 2006 @06:12PM

    I am in the process of buying my first house. I also want to go travelling so plan is to rent out the house.Think i sholud try amd buy something before i go away. Is there any way i can avoid paying stamp duty and hold on to my morgate relief. Im telling the bank im an owner occupier.

    • Reply to this message
  • Re: First Time Buyers - Structural Engineer

    Posted By: Niamh Date: Monday August 28, 2006 @05:00PM

    Hi All,

    I am looking for a structural engineer to do a structural report on a house in East Wall area.Can anyone advice me where to find one , preferably one who charges reasonable prices?

    rgds,
    Niamh

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Margo Date: Friday September 8, 2006 @04:54PM

    Hi, If you have a bad credit rating does that mean you can't get a loan off the Council or go into the shared ownership purchases agreement with them?

    thanks

    • Reply to this message
  • Re: First Time Buyers

    Posted By: dave stephens Date: Thursday September 14, 2006 @10:17PM

    Can anyone tell me the truth about the first time buyers grant?-Is it still available and what other benefits does the government offer besides?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Bill Date: Sunday September 17, 2006 @05:53PM

    hi friends,

    I am looking for a House for around 350K within reachable to the city center. Could anyone suggest the best location to buy a new home. If there are, could you give me some details about the developer??
    Thanks and Kind regards

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Donal Date: Wednesday September 20, 2006 @04:12PM

    Just got approval for affordable housing in the Fingal area... anyone know of any sites which I will be offered a house on... heard Meakstown D11 but was told to try and wait until Robswall Malahide has affordable housing... is it worth waiting or is there even going to be affordable housing in the Malahide area??? What places should I avail of???

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Linda Date: Wednesday September 20, 2006 @05:03PM

    I am currently selling my house in Mullingar - its a 3 bed semi (1200sq ft) - see ad no 27 - 40 The Close, Lakepoint Park, Mullingar. Luckily for all you First Time Buyers there is no Stamp Duty the house as it falls below the threshold of eur 317000. The cooker/hob/integrated fridge freezer/carpets/blinds/curtains/light fittings/shed are all included in the sale. The AMV is eur 280000. The front and back gardens have been landscaped. Lakepoint is very close to the centre of Mullingar and its a 7 minute drive to the train station which commutes to Dublin regularly in the morning and in the evening. THERE IS NO WORK TO BE DONE TO THE HOUSE and its ready to move into!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Terrified Date: Wednesday September 27, 2006 @06:03PM

    I am a first time buyer and am in the middle of buying a mid terraced house built in Limerick for 215,000 now Im reading that prices are dropping. Should one hold off for a few months or take a deep breath and hope for the best?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday November 6, 2006 @07:26PM

    Take a very deep breath and jump in! Your own pad in Limerick for 215K? Go for it. On the other hand, friends of ours bought a 2 bed shoebox in Swords for 321K plus stamp duty - complete madness.

    No one can say if property will go up or down. The only thing you can say for sure is that you're paying the highest market price - that's why it the market price. I bought several years ago and faced the same dilemma - will prices go up or down? It doesn't actually matter. The property is still the same. Affordability is what counts. But look for the right home. The cost of buying the wrong home is massive - selling costs, stamp duty etc.

    And for the people who think there is some chance of no VAT for first time buyers - you're living on another planet!! It'll NEVER happen. I repeat NEVER. Even the psaltry first time buyers grant was abolished. Do you actually believe the powers that be would loose out on VAT?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Bob Izu Date: Wednesday October 4, 2006 @11:11PM

    pls send the 3 bed room properties in the south of dublin to my e mail box aizedhill@yahoo.com

    • Reply to this message
  • Re: First Time Buyers

    Posted By: People get real Date: Thursday October 5, 2006 @10:35PM

    Fools, why buy when you can rent.
    All first time buyers can afford are over-inflated poorly built shoeboxes in the remote corners of leinster.
    Think about it: up at 6 (or earlier) commute for hours to a morbidly uninteresting job, play office politics and discuss how proud you are to own your own home and its 'increasing value', all the while you privately worry about rising interest rates, bonuses and overtime. Then its time to trudge through gridlock or pray that there may just be a seat on the train for a change, that you don't have to stand beside that guy with the BO who leers at you while giggling manically. Finally its home to your castle exhausted and frustrated, but ready to do it all again another 8 times that week, if only it didn't rain. For what? a shed in mullingar, a shoebox in celbridge or even a fire trap in clondalkin, sorry i mean lucan (it was another 40k for that address).
    Well not for me no sir, im happy to rent, listen to the smug fools who condascend while all the time counting the lines in their faces and creeping grey hairs but not their cash.
    While you all are helping to make the banks and property investors happy ill be renting until this economic cycle ends this dream and reality bites.
    Remember one thing - only a fool buys in a bull market.

    FYI Im a professional who earns enough to purchase but I have enough sense not to. A lot of my colleagues are in this mess and the sensible ones are getting out.

    Read this and make up your own mind - remember japan.
    http://en.wikipedia.org/wiki/Housing_bubble

    • Reply to this message
  • Re: First Time Buyers

    Posted By: niall mulligan help help help! Date: Saturday October 14, 2006 @06:37PM

    myself and my sister are trying to get a mortgage i have bad credit rating and iam listed with the irish credit bureau i pay out 1150 on rent a month and my sister is paying 1250 what can we do can any body help

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Lorraine Date: Wednesday October 18, 2006 @02:23PM

    I know that the first time buyers grant is gone, but is there any other help you can get, for example if you are on low income.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday January 15, 2007 @04:26PM

    Afforadable Housing is your bet option.

    http://www.affordablehome.ie/home/index.aspx

    • Reply to this message
  • Re: First Time Buyers

    Posted By: elaine Date: Friday October 20, 2006 @05:37PM

    hi i am a first time buyer and am going through the whole process of getting a mortgage,we went to see an apartment and i fell in love with it so now i am looking for a solicitor and am wondering if anyone knows a good reasonable one any help would be great thank you.
    elaine clifford

    • Reply to this message
  • Re: First Time Buyers

    Posted By: funky buddah Date: Wednesday November 1, 2006 @06:03PM

    i like windows

    • Reply to this message
  • Re: First Time Buyers

    Posted By: funky buddah Date: Wednesday November 1, 2006 @06:05PM

    ok ok i dont like windows

    • Reply to this message
  • Computers Store

    Posted By: Bono Date: Wednesday November 1, 2006 @07:27PM

    A great site where one can enjoy the thought of a great mind long departed. Cheers for the good work. Please, view my site: <a href="http://www.computer-online-sale.com">www.computer-online-sale.com</a>

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday November 6, 2006 @07:12PM

    If you want to get a solicitor, try MyHome.ie - they've a few solicitors who offer discounts for 1st time buyers. Try to ensure they'll give you a fast, efficient service, otherwise they'll break your heart!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: 'Thoroughly Disenchanted' Date: Sunday November 26, 2006 @01:52PM

    If it were to be fair, the distinction regarding Stamp Duty would not be between first-time buyers (very difficult to establish, particularly with immigrants)and 'second-time buyers' but between those who own one modestly-priced house and live in it, and those who own more than one house. But fairness is not even a consideration, is it? The only consideration by those who manipulate the housing market - investors, estate agents, solicitors, builders and the Treasury - is profit. Profit is the self-justifying factor for almost everything in Irish life these days. The rampant greed it generates has swept the nation like a plague far worse than any avian flu' and has corrupted far more than the construction industry.
    Accomodation, one of the most basic necessities of life, would, by a decent government, be placed beyond the pale of speculation.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: adam Date: Monday December 4, 2006 @11:47AM

    Do you know if you get a propery on the afforadable housing scheme

    can I just rent it out

    A

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday December 19, 2006 @10:40AM

    If you buy a property on the affordable housing scheme you must live in it. However you are allowed to have a flatmate to help you towards the rent.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: James Date: Thursday December 28, 2006 @03:18PM

    I want to know that if i want become agent what is the process.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Clare Murphy Date: Monday December 4, 2006 @05:34PM

    Hello,
    RTE Current Affairs is looking to link up with a First Time Buyer trying to get on the property ladder in Galway city or county. We're looking for someone who has strong feelings on their current inability to buy their own home and what help they would like to see coming from the Government in this week's budget. We would need the couple or individual to be available tomorrow for a period and also on wednesday late afternoon for the live programme.
    Thank You,
    Clare Murphy - Prime Time Reporter
    clare.murphy@rte.ie or (01) 2082675

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Stressed buyer Date: Monday December 4, 2006 @07:37PM

    Can anyone tell me what a turn key property should entail?
    I am in the process of buying a property and am confused by this term. To me it should be ready to walk into yet there is alot not done.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: mel Date: Monday February 25, 2008 @09:47PM

    turn key property should have floors down,kitchen and bathroom tiled,washing machine,fridge freezer,cooker. Kitchen units.Everything done for you ready to just move your things into.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Honda nsx Date: Tuesday December 5, 2006 @10:37AM

    Is there such thing as a first time buyers grant, i have recently purchased a 2 bed apartment and a lot of people i have been talking to have told me that i should apply for the first time buyers grant. as stories have varied i ahve been told that i can be entitled to a grant of €3000!! is this true or is it just a tall tale!!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Mary Date: Sunday December 10, 2006 @04:14PM

    Is anyone else finding ithard to get a mortgage decent enough? My fiance and I recently went to a number of banks and all we got quoted for was between €197,000 - 215,000 - the latter was before I had to upgrade my car. There are no houses for near that price near ballincollig/ovens that I want. Any ideas how to boost the amount we can get?appreciate any tips! You can email me at corkimp@yahoo.co.uk
    Cheers

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  • Re: First Time Buyers

    Posted By: Bee Date: Tuesday December 19, 2006 @01:44PM

    Quick question.....I am currently applying for a mortgage, I live in the U.S.A and I would be a first time buyer. If I apply as an investor will I have to pay Stamp duty on property of 220,000 euro. I have no intention of renting out the property but merely somewhere to stay on holidays. What is the max loan I can get for an investment mortgage?

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  • Re: First Time Buyers

    Posted By: angi Date: Monday January 15, 2007 @08:20PM

    hi
    i saw your message on daft; i am moving home to ireland this coming spring; (i also live in the states-ct)i wonder if you got any of the info you requested; just curious;
    angi

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  • Re: First Time Buyers

    Posted By: Wasim Date: Tuesday January 2, 2007 @05:23PM

    hi guys,
    nice talk going on here,
    just one very quick question as some one made me confused here i m first time buyer and home cost 275000 + broker fee(1500) + solicitor fee (2000)
    275000+1500+2000=
    278500 in total i have to pay or there are some other hidden charges? i mean some extra cost or any charges do i have to pay to get keys? any idea?

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  • Re: First Time Buyers

    Posted By: Dublin_Anthony Date: Thursday January 4, 2007 @03:54PM

    i have a house i bought with my younger brother 2 years ago an dit was second hand when we got it , im now looking at buying my own place but do i classify as a first time buyer as this is my first property of my own and not in joint ownership ? i want to know if i qualify for double mortgage take relief

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Friday January 5, 2007 @03:45PM

    No.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Mary Murphy Date: Tuesday January 9, 2007 @12:03PM

    I say live at home!!

    • Reply to this message
  • History of the USA

    Posted By: Max Date: Thursday January 11, 2007 @02:31AM

    History Happens is a collection of music videos about characters from American history. Our goal is to inform and inspire young people that an individual can make a difference-as evidenced by the many acts of courage, endurance and passion that make up the American story.

    • Reply to this message
  • History of UK

    Posted By: Ann Date: Thursday January 11, 2007 @01:35PM

    The (IHR) provides resources for historians. These resources include online articles, free event advertising, MA/PhD study, training courses, an open-access library and more.

    • Reply to this message
  • Eveything Chinese Food

    Posted By: Dick Date: Thursday January 11, 2007 @07:33PM

    Chinese food, is a unique, tasty and very common cuisine which usually consists of two main ingredients. The first being a carbohydrate source such as rice or noodles. The second component that is used in chinese food can be vegetables, fish or meat.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday January 15, 2007 @04:44PM

    A lot of Single people can not get on the Property Ladder as having a Single income means we are unlikely to get a Mortgage (unless you are on 70K) sufficient to purchase any property in the Dublin area. Most of us are sharing houses and using websites such as DAFT to find house mates. Why has nobody set up a service yet were we can advertise for flatmates willing to buy the flat with us? It would be slightly more complicated/risky and contracts would be drawn up regarding selling the flat/house after a certain period of time. But if I can share my living space with relative strangers – how much more complicated would it be to share a mortgage (once they could be trusted to pay of course!).

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  • Re: First Time Buyers

    Posted By: ANGI Date: Monday January 15, 2007 @08:16PM

    Hi, I will be a first time buyer. Is there any advice whereby i can bypass a bank and get a private mortgage; i only have a very small downpayment and no job yet. i was told that i need both;; any suggestions would be welcomed;
    thanks

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  • Re: First Time Buyers

    Posted By: Liesl Viglino Date: Wednesday January 24, 2007 @07:57PM

    I have recently gone sale agreed on a property. My concern is that the property started at a certain amount and I entered into a bidding war. We settled on amount about €14 000.00 in excess of the first offer on the house. How do I know if there was really another bidder. Do I have the right to ask the estate agent for these details and should he legally provide this information.

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  • Re: First Time Buyers

    Posted By: *** Date: Thursday February 8, 2007 @03:58PM

    We had the same problem. we went over €12,ooo of the asking price and we were wondering the same thing, I think there is bidders but its up to the person who owns the property and they settle up the estate agent

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  • first time buyers grant - does this still exist?

    Posted By: Orlaithe Date: Tuesday January 30, 2007 @11:33AM

    first time buyers grant - does this still exist

    • Reply to this message
  • Re: first time buyers grant - does this still exist?

    Posted By: Anonymous Poster Date: Tuesday February 6, 2007 @11:54AM

    No not for quite a while now.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: *** Date: Thursday February 8, 2007 @03:55PM

    Hi, i have bought a one bedroom apt. Do any of you have any names of cheap solicitors??

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday February 13, 2007 @12:02PM

    how much does one pay for a mortg of317000.00 a month

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Andrew Date: Thursday February 15, 2007 @03:41PM

    Around 1400 a month after you get the interest relief

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Brian Date: Friday February 16, 2007 @09:14AM

    Can somebody please help.
    I earn €33,500 a year,I have no deposit,got rid of car-loan,credit card ect.Have i any chance at all in getting a home.

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  • Re: First Time Buyers

    Posted By: Mia Date: Friday February 16, 2007 @08:17PM

    Brian

    Apply for affordable housing (normal affordable housing - not the affordable housing initative which is only for people on larger incomes). You can apply to every Local authority in Dublin - or in the Ireland for that matter. It costs 50 Euro to apply and once you have a receipt from one local authority you don't have to pay the 50 Euro again that year. The wait though is about 2-3 years though - so don't hold your breath! This gives you plenty of time to save the deposit though.

    The website to start at is:

    http://www.affordablehome.ie/home/index.aspx

    Then look at local authorities websites.

    The other option is to find someone to buy with. Much easier said than done.

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  • Re: First Time Buyers

    Posted By: Mark Date: Wednesday February 21, 2007 @11:42AM

    Dundalk Louth

    Modern three bedroomed (one bedroom ensuite) house on corner site.

    Downstairs
    Entrance Hall 15'7" x 5'10" (4.75m x 1.78m ) Solid Maple Wooden Floor
    Kitchen/Diner 18'0" x 12'9" (5.49m x 3.89m ) Fully Fitted Maple Shaker Units
    Patio Doors to Rear Garden Wooden Floor in Diner
    Sittingroom 14'10" x 11 '9" (4.52m x 3.58m )
    Feature Oak and Cast Iron Fireplace Wooden Floor

    Upstairs
    Bedroom One 12'0" x 10'8" (3.66m x 3.25m ) T.V. Point and Phone Point
    En-Suite 7'0" x 5'0" (2.13m x 1.52m ) Electric Shower
    Bedroom Two 11 '6" x 9'9" (3.51m x 2.97m )
    Bedroom Three 7'10" x 7'8" (2.39m x 2.34m ) Built in Wardrobes
    Bathroom 8'5" x 6'10" (2.57m x 2.08m )

    Included: Oven & Hob. Carpets, Blinds and Light Fittings. Garden Shed. Alarm.

    Features: P .V. C. Double Glazing Throughout. Natural Gas Central Heating Gardens Front and Enclosed at Rear with Side Entrance

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  • Property in Dundalk

    Posted By: Mark Date: Wednesday February 21, 2007 @11:43AM

    Woodbury Gardens Dundalk Louth
    Luxury three bedroomed (one bedroom ensuite) house on corner site.

    Downstairs
    Entrance Hall 15'7" x 5'10" (4.75m x 1.78m ) Solid Maple Wooden Floor
    Kitchen/Diner 18'0" x 12'9" (5.49m x 3.89m ) Fully Fitted Maple Shaker Units
    Patio Doors to Rear Garden Wooden Floor in Diner
    Sittingroom 14'10" x 11 '9" (4.52m x 3.58m )
    Feature Oak and Cast Iron Fireplace Wooden Floor

    Upstairs
    Bedroom One 12'0" x 10'8" (3.66m x 3.25m ) T.V. Point and Phone Point
    En-Suite 7'0" x 5'0" (2.13m x 1.52m ) Electric Shower
    Bedroom Two 11 '6" x 9'9" (3.51m x 2.97m )
    Bedroom Three 7'10" x 7'8" (2.39m x 2.34m ) Built in Wardrobes
    Bathroom 8'5" x 6'10" (2.57m x 2.08m )

    Included: Oven & Hob. Carpets, Blinds and Light Fittings. Garden Shed. Alarm.

    Features: P .V. C. Double Glazing Throughout. Natural Gas Central Heating Gardens Front and Enclosed at Rear with Side Entrance

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Sandra Elders Date: Monday March 12, 2007 @12:09PM

    We currently have 15 properties under the stamp duty level @ Lowe Finglas. please call or email for further detials.

    we also have a indepenant mortgage advisor who can help you organise your finance.

    please call or email for further detials.
    sandra.elders@lowe.ie
    01 8345555

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Finikity Date: Wednesday March 14, 2007 @01:49PM

    How about adding a date stamp to the messages in the forum...
    Mar '07

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Karina McGovern Date: Thursday March 15, 2007 @07:52PM

    I've being thinking about buying my own home with my boyfriend we're only going out 2 and a half years what i'm afraid of is if we buy somewhere and then we end up breaking up so we dunno whether we should rent a place or look into getting a mortgage... Is there anyone to give me advice? Please send ure advice to my email address which is karinamcg@eircom.net

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  • Re: First Time Buyers

    Posted By: katie Date: Wednesday March 21, 2007 @12:20PM

    hi i just got the keys of my appartment last week in finglas.
    I bought off the plans this time last year ,worth waiting for. I would advise anyone to save in their local credit union for a period of time. As when your broker does a credit history on you they cannot check the credit union as it is privetly owened.You could also get your deposit for your loan and they still cannot check it.Option is a direct debit account from your bank to your credit union.Do not take out a car loan as this effects the amount you can borrow as i found out the hard way. giving back a 15,000 car loan (paper work)cost me 80 euro in 2006 with aib.The difference was from 300,000 to 210,000 what a difference. Also ebs are the only building society that would even look at a one bedroom appartment last march.As you would have to pay the mortage on your own.

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  • Re: First Time Buyers

    Posted By: Home buyer representation Date: Thursday March 29, 2007 @11:34AM

    If you are buying in Ireland, unsure about how to go about purchasing property, lack time or just want to ensure you are not paying over the odds for your property check out our website - http://www.buyersbroker.ie

    We represent the buyers of property exclusively - sourcing property, viewing, negotiation and dealing with all ancillary agents (eg: engineers, solicitors etc...) so that we get you your ideal property, at the right price and the minimum amount of fuss.

    For further information or to book a free consultation call 059 6451927

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  • First Time Buy or Development Opportunity

    Posted By: Armstrong Date: Wednesday April 4, 2007 @05:25PM

    I have a C.3 acre site for sale with FPP for one property. A 3-bedroom cottage (Approx 200yrs old) currently stands onsite together with various outbuildings and hayshed? I am asking 375,000 ONO. Quick Sale Required.. Email tom.armstrong@takeuchi-mfg.co.uk or phone 0044 7738 321 280

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  • Re: First Time Buyers

    Posted By: Micheal Date: Tuesday April 17, 2007 @05:46PM

    Hi all,
    I am in the process of purchasing house to do it up to resell it as a first time buyer. Can anybody tell me if I am liable for tax on this property if I resell it within say 6 months?
    Thanks

    • Reply to this message
  • Re: First Time Buyers

    Posted By: galway.man Date: Thursday April 19, 2007 @02:52PM

    i came upon this site by accident and thought i'd browse through what people were saying.
    i expected it to be filled with people trying to be friendly and helping each other.
    instead its filled more with people boasting what they have done/got and insulting one another.
    typical irish attitude these days.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Sunday April 22, 2007 @08:07PM

    I have a 3 bed duplex available in the next month or two in slane development overlooking river boyne.Would suit ftb and/or investor.asking price e300,000.086 8032861

    • Reply to this message
  • Re: First Time Buyers

    Posted By: eirehouse2sell@gmail.com Date: Tuesday April 24, 2007 @11:29PM

    I'm selling a 1,240sqft 4 bedroom semi-detached house in Co.Limerick, walk in condition. Perfect for the first time buyer.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: John Date: Tuesday April 24, 2007 @11:32PM

    I'm selling a 1,240 sq ft 4 bedroom (one en-suite) semi detached in Co. Limerick. Perfect for the 1st time buyer at 245,000. Walk in condition- completely finished- decking to the rear of the property. Contact eirehouse2sell@gmail.com

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Margaret Date: Sunday May 13, 2007 @05:39PM

    I'm a First Time Buyer but was only given Approval in Principal of €255,000 on the condition that i avail of the rent-a-room scheme. Obviously there is no such thing as a house or 2 bed apartment in Dublin for €255 so I'm looking for a woman who is in the same boat as me and who would be interested in pooling our resources to afford a new 2 bed apartment in Dublin. Anyone interested? Serious offers only thank you!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: jw Date: Thursday January 3, 2008 @08:18AM

    Hi....seen your add on daft from May. I can only assume that as the add is still active on daft that you still haven't found anything. If that's the case, give me a shout, i might be able to help you out with something. give me a call 086-3691213.

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  • Re: First Time Buyers

    Posted By: Leonidas Date: Thursday May 24, 2007 @03:59PM

    Have you thought about looking in a wider area for something in the €255k bracket. If you go 1 hour from the city, you'll definitely get something. With the new motorway opening to Athlone / Tullamore, that whole area is within striking distance and prices are in that bracket. The trains run regular to Heuston too.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Friday May 25, 2007 @05:00PM

    Can you purchase a house as a first time buyer and rent out the whole house to tenants and not live in? I would continue living with parents

    • Reply to this message
  • Re: First Time Buyers

    Posted By: sam Date: Saturday May 26, 2007 @11:18PM

    Hi, I have bought apartment as a first time buyer in december 2006 and in the future want sell it. I'm getting tax relief. When Ican sell it .... after 5 years? plesae help ????

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Kate @ Newstalk 106 - 108 Date: Wednesday June 6, 2007 @04:32PM

    Hi, we are looking to speak to first time buyers on one of our programme on Thursday 7th June '07 regarding the increase in interest rates on mortgage repayments and how people are surviving to pay their mortgages. If you would be interested in joining in on the discussion please contact us on 01-6445111.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Julie messaner Date: Friday June 8, 2007 @08:13PM

    I am Irish, but have been living in Spain for 4 years, I have two properties. I never bought in Ireland.... Q: If I were to consider buying a property in Ireland and keep the two properties I currently have in Spain, would I qualify as a first Time Buyer?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Mr Tax Man Date: Friday June 8, 2007 @11:03PM

    Nope, once you own a property anywhere, either in Ireland or abroad, you are no longer seen as a first time buyer in the eyes of the revenue commissioners!


    http://www.finfacts.com/fincentre/firsttime.htm

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Janine Date: Tuesday February 5, 2008 @01:26PM

    If you own property in any country, you will loose your 1st time buyers entitlements in Ireland. The only way around this, if you set up a company, and let the company purchase the property.
    I've had an email from the Revenue to back this up!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: john murphy Date: Monday June 11, 2007 @12:02AM

    Hi i own 2.5 acres of what is currently farm land in county Cork, it is in front of my family΄s home in the country and has a national school across the road, i recently got married but neither of us has a very high income, we want to live in Dublin city, I want to use my land to help me get a mortgage, i would consider selling some of the land as sites but i would like to keep at least one site for myself, please give me some advice, thanks.

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday June 12, 2007 @05:49PM

    im in a similar situation, i got land from my uncle, any experts out there?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: David Date: Sunday June 24, 2007 @06:31PM

    I would never take any mortgage in Ireland now, becouse the prices are crazy here.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: SHAUN Date: Wednesday June 27, 2007 @10:06PM

    i make 40K what sort of loan could i expect to get, to try and get my first home

    • Reply to this message
  • Re: First Time Buyers NOW A BUYERS MARKET!!!

    Posted By: Anonymous Poster Date: Saturday June 30, 2007 @12:21AM

    WARNING DON'T BUY NOW!!! I am from Oz (in the property industry) and have seen 3 boom and busts in my lifetime. And you know what?? Nearly everyone forgets the previous busts... even after just 10-12 years.

    Here in Ireland this is the first real boom ever in modern times.... there is a massive asset bubble due to the cheapest money available since the 60's. The general population doesn't even know what a bust is and therein lies the danger.

    Normally at the top of the cycle the smart developers start dropping their prices offloading quietly helping to smooth the downward trend. Not only is this not happening but on top of that Germany and France's economy's are starting to 'fire' and so to keep inflation under control the ECB will raise rates again in Sep and at least another
    half a percent after that!!

    IMO there is an 80% chance of a crash and prices will come off at least 30% over the next two years.In fact to rent now will save you money in the longer term. Also many building societies lent 95-100% mortgages at the top of the cycle. They will get burnt when people walk away from their properties with negative 25-30% equity and the Society will cop the loss. In Australia in the early 80's 2 Building Societies went broke taking depositors funds with it. BEWARE TIMES ARE GOING TO GET VERY TOUGH... its as plain as the nose on your face.

    I would ask people not to buy now or if you do offer well below the asking price and let the vendor be 'conditioned' into the reality of the 'new' buyers market.

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  • Re: First Time Buyers

    Posted By: tim Date: Monday July 9, 2007 @02:55PM

    Shaun

    you would get about 230k

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  • First Time Buyers

    Posted By: Tony Bellew Date: Friday July 6, 2007 @04:37PM

    Frankly
    if you ask me yous are all mad.
    You can see how the economy is going
    i wish i could say youll get value for your money when you go to sell your house but at the end of the day the main jobs currently are in trades - tradesmen are now running short of work - meaning that less houses going up - resulting in shortage of work - no work, no mortgage paid, reduction in wages due to market demand for low cost labour.

    Then theres the mortgage payments - single no chance of paying off on your own, married possibility if youre on high income, renting property is the way to go - at the end of the day its only bricks and mortar - sell up today and get the best price for your house cos sure as the day is long house prices will not go up much or even any.

    Enjoy

    • Reply to this message
  • Re: First Time Buyers

    Posted By: sam Date: Monday July 9, 2007 @05:17PM

    Hi, I have bought apartment as a first time buyer in december 2006 and in the future want sell it. I'm getting tax relief. When Ican sell it .... after 5 years? please help ????

    • Reply to this message
  • Buying in Ireland

    Posted By: Robyn Date: Tuesday July 17, 2007 @07:42PM

    I would like to move to Ireland from England. Can you buy anything habitable( no good at DIY) for £100,000? (140,000 euros) and if so, what are should I be looking in?

    • Reply to this message
  • Re: Buying in Ireland

    Posted By: Anonymous Poster Date: Wednesday August 8, 2007 @03:36PM

    You may get a parking space in Dublin for that....
    If you move to the arse end of nowhere...you might get a very small run down cottage for 140K.

    Sorry...but looks like you'll be renting if ya move here.

    For 140K you should be able to rent a nice 3 bed semi for 10 years. Not sure what you could do after that.

    Jaesus....this country sucks....

    • Reply to this message
  • Re: First Time Buyers

    Posted By: D.MURPHY Date: Saturday July 21, 2007 @12:01PM

    i want to buy a 3 bed semi ,short walk from clonsilla rail station,any hope under 4oooook ?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: DOH! Date: Sunday July 22, 2007 @09:55PM

    ATTENTION FIRST TIME BUYERS!!!!!
    3 BED SEMI DET/3 BATH, DROGHEDA e380K. PRISTINE WALK IN CONDITION. EXTRAS INC.

    • Reply to this message
  • Re: First Time Buyers house price survey

    Posted By: francis n cork Date: Saturday August 11, 2007 @03:36PM

    the news on rte said that prices have fallen by 2.5 %
    year to date since january 2007.

    this is a useless figure - its based on sales in june.
    it does not tell us the volumes of houses sold month
    by month and how this has changed. how many are offered
    to the market and the asking price movements. it does not
    tell us about glut in houses not sold with unrealistic
    asking prices. eg: a semi in cork on the market
    at 55o k in cork is now at 495 k and still unsold 15 months after being offered. the real inflation is the
    level of expectation of sellers -- it remains to be seen
    how this returns to earth. in the mean time hold tight
    and wait 6 months at least for the crazy prices to fall

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Northside Date: Tuesday August 14, 2007 @11:56AM

    I have put a booking deposit of 8,000 on new apt in Dublin. This will not be ready until Dec this year. In the meantime I have been offered an affordable apt off Dublin City Council. Am I still a first time buyer - so I can qualifiy for affordable house. I still have not received my Loan Approval letter from bank for the 1st apt? I am thinking of just cutting my loses for the 8,000 and going for affordable. Am I still a first time buyer?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Peter Date: Friday August 31, 2007 @09:22PM

    Can you tell me somebody: which areas in Dublin are good for buying home?

    • Reply to this message
  • Re: First Time Buyers + letter of offer

    Posted By: Anonymous Poster Date: Wednesday September 5, 2007 @12:07PM

    Just checking if anyone knows if the broker/bank would do ICB check on us before they gave us approval in principle?
    Myself +partner got approv.in principal and paid deposit on house.
    Now waiting on letter of offer from broker/bank. Just want to know if they will now do ICB check before they give us letter of offer/approval or would they have done ICB check already?
    Dont want any hiccups on our 1st home!!!

    • Reply to this message
  • can non residents buy in Ireland

    Posted By: NZ TIM Date: Wednesday September 5, 2007 @03:27PM

    I am a non resident at the moment but plan to become a resident in the future. Can i buy a house here?
    I owned a house in NZ so presumably i cannot get the first time buyers stamp duty relief? does anyone know about this?

    • Reply to this message
  • Re: can non residents buy in Ireland

    Posted By: Anonymous Poster Date: Sunday November 4, 2007 @11:38PM

    Buy but mention nothing about the house you owned in NZ or any other country. I know of two foreigners each owing a place in their respective countries and both availed of FTB.

    Still though, seriously not a good time to buy.

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  • Re: First Time Buyers galway area

    Posted By: Anonymous Poster Date: Tuesday September 25, 2007 @07:10PM

    hi any galway people know cluain riocaird on headford road its basically beside tirellan and ballinfoyle but nice apt have these areas got as bad a name as they used to be? would it be better to get 2 bed in knocnacarra rather than 3 bed plus garden in cluain riocaird?

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  • Re: First Time Buyers

    Posted By: Daft Dave Date: Wednesday October 10, 2007 @06:39AM

    My House is currently selling in Laois for 215k its a 3bed mid-terrace in Kilminchy, so its well located. My question is, my next door neigbhour is selling his for 235k("which is the going rate") should I put the price of my property back up to 235k? I have had alot of interest and everybody who viewed had made an offer but every one 10 in all fell through.....why?

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  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Tuesday October 16, 2007 @06:33PM

    Well why did the deals fall through? Could they not get the loans? Money is getting tighter and this will impact on the prices everywhere. Housing price soared because money was easy to get and interest rates were low - now we are in a different market. IMO prices will continue to fall for the next few years so it doesn't matter what anyone asks for a house. Getting that higher price is no longer possible.

    I live in Baltimore and house prices here have tumbled around 25% and are still going lower. We now expect a 50% fall at least.

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  • Re: First Time Buyers

    Posted By: Lou Date: Friday October 19, 2007 @11:23AM

    Could anyone point out any country in history that has gone through a similar boom at any stage in its history without ever having experienced a bust?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Gary Donnelly Date: Tuesday October 23, 2007 @03:38PM

    If you are not married yet but your fiance has a house should you but house before you get married or can you still get it when your married?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Sunday November 4, 2007 @05:15PM

    Just bought an apartment in Marrsfield, Clongriffin. 5 mins from the Dart and 20 mins into Dublin. Fantastic size and plenty of storage. Managed to do a deal with the builder. Has it's own parking and is beside a lovely park and only 25 mins from the sea. drove around the new town centre.. looks fantastic!!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: ftb Date: Tuesday November 6, 2007 @07:15PM

    I just bought there too - the development looks great and the apartments are high-spec. It's in a brilliant location with the sea 10 minutes drive and Dart 5 mins walk.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Pat McNamara Date: Wednesday November 14, 2007 @06:07AM

    It's true that if you have a target investment that will earn more interest than what your mortgage is charging, then it's wiser to avail yourself of that investment than pay down your mortgage. But, if not, remember that your interest owed is based on your remaining balance. Paying down your balance will earn you the interest rate you are paying on the balance.

    As to interest only loans, people like me who look to buy with my pathetic US Dollars need to have the option of holding back our weak currency when the exchange rate is bad and pouring money in when it is favourable. So in my case, an interest only loan is a good vehicle to retain that flexibility. Also, remember that if you believe that prices will rise, then it is more important to qualify and close the sale sooner rather than later, and if taking an interest only loan makes that possible, then it is a shrewd move. The caveat is that you must then have the discipline to pay down your principle when you can, or you will NEVER truly own your home.

    • Reply to this message
  • LOOP HOLE FOR MORTGAGES - Loophole 1.

    Posted By: reducepain Date: Saturday November 17, 2007 @04:11PM

    Well, if someone wants to get higher mortgages loan, inspite they have existing outstanding loans.
    Best answer:
    Lower the loan amount, negiotate with the creditors, for few months or a reserved period and get the loan repayment letter and enclose along with your mortgage application.

    This will increase the Mortgage loan amount.


    Await for more loopholes in near future.
    Regards,
    reducepain ( REDUCE YOUR PAIN WITH OUR ADVICE)

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Wednesday December 5, 2007 @08:38AM

    Hi,a quick word to anybody renting from Dublin City Council and planning to buy your own home. They have a scheme called the Mortgage Allowance Scheme which entitles you to nearly €11,500 over 5 years which they pay directly into your mortgage a/c each month. Once you are buying independently from Dublin City Council i.e. not a tenent purchase and not borrowing the mortgage from them, then you may be entitled to this allowance, the first year alone they pay €298 a month off your mortgage with the payments decreasing over the 5 years.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: nick Date: Saturday December 15, 2007 @12:37PM

    I've been declared bankrupt in the U.K and would be moving to Dublin in March. Have looked at the rentals and looks like it is best to buy. Will my bankruptcy status in the U.K affect my ability to get a mortgage in Ireland?

    • Reply to this message
  • LOAN OFFER HERE,APPLY NOW

    Posted By: rodneyford Date: Tuesday December 18, 2007 @11:46PM

    LOAN OFFER HERE,APPLY NOW
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    Do you have ideas which worth millions but you lack the necessary capital to put your idea to test?
    Have you been turned down by other lenders
    Do you desire a house but you lack enough cash to acquire it?
    Do you want your dream car now and yet you can’t, just because of your financial status?
    rodney ford lending firm is granting you the oppurtunity to actualize your dream.
    If you are interested in obtaining a loan,kindly contact us through the below email address for your loan request
    rcdneyfordff@yahoo.com

    • Reply to this message
  • Posted By: Conor Leahy Date: Friday December 21, 2007 @12:30PM

    I am currently in the process of selling my home, if I buy a house (either new or second hand) am I liable to pay stamp duty even though it will be my prime residence?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: erlandas vismantas Date: Saturday December 22, 2007 @01:00AM

    I want to buy 2-3bed house with back and front gardens..i can buy from city counsil.House prises around 270000eu.Thanks.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: erlandas vismantas Date: Saturday December 22, 2007 @01:02AM

    Contact number 0857383709 email... erlandas_v@hotmail.com i looking buy house from city council in dublin..My boudget 270000e I want 2-3 bed house with both gardens.Give me handsmto buy.Thanks.Erlandas

    • Reply to this message
  • Re: First Time Buyers

    Posted By: patrick Date: Wednesday December 26, 2007 @10:04PM

    hi erlandis
    I am selling a lovely 3 bedroom house in Sligo at the moment, very close to the hospital and IT there for about 300,000 possibly less. If you are not interested you may have a friend who is.
    Feel free to contact me if u want more information.
    00447743477130 (northern mobile)
    Thank you.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: patrick Date: Wednesday December 26, 2007 @09:59PM

    hello
    Looking a first time i have a house for sale in sligo, close to hospital and IT, rented out for 823 euro per month (nice investment) If any first time buyer interested ring me , i have a genuine reason for selling, a first time buyer may get a great bargain. 0044 7743477130 (northern mobile)its 3 bedroom, may go for 280k or less.
    get in touch.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Fergus Date: Monday January 28, 2008 @06:38AM

    Any good deals on the southside for first time buyers. Areas like Ranelagh, Stepaside, Milltown etc

    • Reply to this message
  • loocking for house to buying

    Posted By: Navarro Date: Sunday March 30, 2008 @06:20AM

    I' loocking for housen fo sale in waterford california specially those houses that the banks owns.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Nancy77 Date: Wednesday January 30, 2008 @08:48PM

    I am looking at some lovely apartments on the upper daryle road - diamond valley in bray - would this be an ok area or is it rough ?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Saturday October 18, 2008 @11:28PM

    If it is Dargle road in Bray, have been warned to stay away as a person that lives in Bray knows the area well, and apparently abit rough!

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Thursday January 31, 2008 @07:03PM

    How di i qualify for the first time buyers grant?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday April 14, 2008 @03:34PM

    I currently live and own a property in the UK. If I move back to Ireland and buy a house will I be entitled to First Time Buyer status ?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: jiggy Date: Tuesday April 22, 2008 @05:47PM

    Im a real thicko when it comes to mortgages so need serious advice. :)

    Been renting a house for many years of South Dublin CC. I would love to buy it but have a small problem. I am only on Disability allowance and thus earn about 10,000 a year, I have about 30,000 in the bank from a settlement though.

    Now this may be a completely retarded question but is there any chance of me getting about 100,000 mortgage from anywhere? Id be able to buy the house off the council for about 125,000 approx and would be willing to put about 30,000 of my own money in place for the purchase.

    If anyone has any advice it would be greatly appreciated. As I said im a complete moron when it comes to stuff like this and even advice on where to go look for info would be great.

    • Reply to this message
  • Re: First Time Buyer

    Posted By: 88polo Date: Monday April 28, 2008 @02:03PM

    Me and my wife moved to Dublin from overseas just over a year ago. We have never owned a property before, and we are trying to see if we can afford to buy a reasonably good-quality house here. Our current budget is around 300-325 thousand Euro. Could anyone advise us where we should look in Dublin? Also, could you let us know the areas we should avoid to look for properties.

    • Reply to this message
  • Re: First Time Buyer

    Posted By: Shane Date: Friday September 18, 2009 @03:37PM

    Hi,

    I was just reading your post, I have a house for sale in Glenealy, Wicklow, very close to Wicklow town. It may be in your price range. It's only 25 min to Sandyford/Foxrock. Have a look at the link below.

    http://www.daft.ie/searchsale.daft?search=Search+%BB&s[cc_id]=c4&s[a_id][0]=1832&s[mnb]=3&s[mxb]=3&s[mnp]=&s[mxp]=300000&s[pt_id]=&s[house_type]=&s[sqmn]=&s[sqmx]=&s[mna]=&s[mxa]=&s[search_type]=sale&s[transport]=&s[advanced]=&s[price_per_room]=&s[furn]=&s[bd_no]=3&s[refreshmap]=1&limit=10&id=448156

    Hope this helps.

    Kind regards,

    Shane.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: john Date: Monday May 19, 2008 @09:33PM

    my last year gross income was 45000 euro ,. how much amount will i get as mortgage

    • Reply to this message
  • Re: All Buyers

    Posted By: Used to the Cycle (Bubble) Date: Wednesday May 28, 2008 @12:49PM

    Don't buy now....it is only by not buying now that the prices will come DOWN.....Who wants to pay more FOREVER than everybody else eventually. (or hand back to the bank and be in bad credit forever!)

    I would love my own home here (I currently have a small one abroad) but I know how this goes for many years. Now is the time to rent......there are plenty of places and eventually those rents will drop as well because alot of 'investors' will be needing to rent out their 'investments' that they bought in and around the bubble.....and they will have to drop rents to get them rented eventually just to keep the places somewhat afloat!!. So unfortunatley it is a waiting game, but it will save you lots of heartache and STRUGGLE if you wait it out.
    I am going to rent temporarily in one place now and when I find a rent cheaper somewhere else (everything is negotiable!!!) AND THEY WILL HAVE TO GET CHEAPER TO GET FILLED I am going to hop in somewhere else - and then when things get really ugly here, I will buy a lovely home. Not a 'compromise' - just to 'get on the ladder' which is the most misused terminolgy I have heard in a long time...there are no ladders, just shrewd operators....WAIT IT OUT - things will be uglier here for some in the next two years and after...

    • Reply to this message
  • Beware buying apartments

    Posted By: Anonymous Date: Wednesday May 28, 2008 @01:39PM

    There is a massive problem with the parking up in the apartment complexes in Stepaside (as there are in many areas)
    Most places have at least two people living there but you are alotted one spot and then your partner has to fight for parking in the area left over for the 'extra cars'

    Who wants to drive all the way of to that lovely area, have no garden and fight for your space to park. (there is nothing relaxing about that) just leads to poor quality neighbor relations.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday June 9, 2008 @06:14PM

    Does anyone know if you can still get 100% mortgages? I am looking to but somewhere but dont have enough savings...

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Friday June 13, 2008 @04:14PM

    Does anybody know if you are a first time buyer and you rent out rooms in your house do you have to pay stamp duty?

    I look forward to your reply.

    • Reply to this message
  • Re: First Time Buyers dcc affordable housing

    Posted By: jeff Date: Wednesday July 2, 2008 @12:53AM

    Hi All,

    Can anyone please answer the following question??

    I have been offered a duplex from dublin city council, ,I have not paid any deposits and things are taking a long time to procede. Is it possibe for me to negotiate a discount with the council or the builder taking into account the market value may have dropped over the last 3 months??

    also

    I was informed today that the morgtage rate i was initialy offered from the bank has increased by 1% along with it the repayments €150pm approx, bitter pill to swallow as it has been caused from the other parties dragging their heels.....will the intrest rates come down anytime soon??



    I appreciate any replies...........A very confused first time buyer.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Darren Lynch Date: Thursday July 17, 2008 @03:46PM

    Got provisional approval from first active. I have to pay back as much on interest as I do on the mortgage. I this high or normal.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: fiona Date: Friday July 25, 2008 @08:08PM

    currently buyin my first house am i entitled to first time buyers grant and mortgage relief . please help im clueless to what im entitled too

    • Reply to this message
  • Re: First Time Buyers

    Posted By: silv Date: Saturday October 11, 2008 @06:15PM

    how do you apply for first time buyers grant?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anon Date: Sunday October 12, 2008 @09:10PM

    Does anyone know anything about this rent to buy thing?

    Its something that is coming out for first time buyers, where you only put down 3% and then you pay a market rent for three years and get an option to buy it at the end of the three years. And if it drops in value you don't have to buy it but it could go up as well......

    Anyone?

    F.T.B Dublin 8

    • Reply to this message
  • Re: First Time Buyers

    Posted By: jodi lyn Date: Thursday October 23, 2008 @02:06PM

    hi ,
    i was jst wondering im doin an assignments on grants for first time buyers in ireland i was wondering would any one be able to give me some information bout the grants that use to be in place before the goverment decided to abolish this grant, it wud b great help as im very confused.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: annon Date: Thursday October 30, 2008 @03:17PM

    how long after signing on can you apply for a mortgage?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: martino Date: Sunday December 21, 2008 @07:32PM

    hi can someone tell me my wife and i are going for a mortgage but my credit history is not good but my wife has great credit if we both cant get mortgage would my wife be able to get the mortgage on her own please help
    thank you in advance

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Michelle Date: Wednesday January 14, 2009 @09:02PM

    LOVELY 2 BED SEMI FOR SALE IN BALBRIGGAN. CLOSE TO THE BEACH, BUS AND RAIL TRANSPORT LINKS AND ALL OTHER AMENITIES.

    PRICED AT €220,000 WITH €10,00 CASHBACK FOR QUICK SALE

    PROPERTY PART-FURNISHED INCLUDES, DOUBLE BED,TABLE AND 4 CHAIRS, 2 X 2-SEATERS, SOME KITCHEN WARE AND ALL FITTED WARDROBES, OVEN, HOB AND EXTRACTION.

    CALL MICHELLE ON 087 291 9900 FOR DETAILS/VIEWING

    GOOD LUCK

    MICHELLE

    • Reply to this message
  • Re: First Time Buyers

    Posted By: wicklowtigress Date: Saturday January 24, 2009 @07:35AM

    Hello All,
    My partner and I are looking to return back to Ireland, Wicklow or Dublin South. Therefore, if there is any information that you could render in terms of mortgage, documentation, stamp duty, legal fees, surveyors, etc and add to my question list - it would be very much appreciated.

    We are based in Qatar and have a deposit of approx E200k. Salary is approx E50k with a car loan of E600pm which will end next year Jan'10.

    Thanks and regards,
    wt

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Shane Date: Friday September 18, 2009 @03:33PM

    Hi,

    I was just reading your post, I have a house for sale in Glenealy, Wicklow, very close to Wicklow town. It may be in your price range. Have a look at the link below.

    http://www.daft.ie/searchsale.daft?search=Search+%BB&s[cc_id]=c4&s[a_id][0]=1832&s[mnb]=3&s[mxb]=3&s[mnp]=&s[mxp]=300000&s[pt_id]=&s[house_type]=&s[sqmn]=&s[sqmx]=&s[mna]=&s[mxa]=&s[search_type]=sale&s[transport]=&s[advanced]=&s[price_per_room]=&s[furn]=&s[bd_no]=3&s[refreshmap]=1&limit=10&id=448156

    Hope this helps.

    Kind regards,

    Shane.

    • Reply to this message
  • First Time Buyers

    Posted By: Splofe Date: Wednesday February 11, 2009 @09:28PM

    Hi everyone, currently saving up for a deposit, have around 6,000 euro to date and growing roughly just over a grand a month.
    A friend has said he'll lend me 5,000 euro which wont need to be paid back urgently. Any suggestions for how to get the remainder of deposit quick? I need around 18,000 (inc solicitors fees) and I've seen a house I REALLY want but the estate agent said it wouldn't be around for long (dnt know if truth or not..) so basically where do I get 7,000 euro fast?!!

    Oh yeah and when can u make an offer? DO u HAVE to have the deposit before hand and does it have to be after loan approval? Me confused on the subject..

    Prob just be patient and keep saving yeah? :(

    • Reply to this message
  • Re: First Time Buyers

    Posted By: confused about first time renting Date: Thursday February 12, 2009 @10:00PM

    I purchased my house in 2007 as a first time buyer so didnt have to pay stamp. My situations have changed and now i cant afford my huge mortgage on my own so would like to rent it out.If i rent it out do i have to then pay stamp? Then do i pay income tax on the rent i receive and at what rate? basically what are my choices?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: newbie Date: Friday April 17, 2009 @01:33PM

    Is now the time to buy or should I wait for while with the market the way it is?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Una Date: Monday April 20, 2009 @11:06AM

    Is it reasonable for an auctioneer to look for a 10,000 euro deposit on a property for sale at 150,000 euro, never bought a house before

    • Reply to this message
  • Re: First Time Buyers

    Posted By: andrew Date: Saturday May 23, 2009 @12:04PM

    I have a question if anyone can answer . do i qualify for first time buyers status my wife has a property from before we were married . As we are married do i still qualify if i buy the property in my own name only.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday October 11, 2010 @04:58PM

    I was wondering about this too. Anyone any advice?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: rio125 Date: Tuesday June 16, 2009 @02:20AM

    as im in the latest stages of buying a house.i want to know if alarm system,esb meter and gas meter are included in the deal for brand new home???????????thank you

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Monday July 13, 2009 @02:24PM

    Any advise on getting a snag list im being quoted 300 for a 2 bed apt????

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Karina Date: Tuesday April 6, 2010 @12:28AM

    hi ya,
    i am an first time buyer, i don't have much idea about the propertys, could you please provide me some information about buying and selling a property, will the property prices go up in future? awaiting for your reply,
    thanks,

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Katey Date: Thursday August 12, 2010 @01:00AM

    Hi Karina,
    Now is a good time to buy as property is very good value.
    When you decide to buy you will need to get a solicitor, they will advise you.
    I would imagine prices will go up but not for a few years.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: yoman2212 Date: Tuesday September 7, 2010 @05:29AM

    hi there,
    im not in a hurry so nothing to to rush. i just want ideas. i just got married last month, and my wife and i are talking about houses or a 2 bedroom apartments. we are saving our money every month. i would like to know the procedure of buying a house here in ireland as we are from czech republic.


    we dont want any mortgage.

    eg. let say we find an apartment somewhere around 98k. what are the steps to be taken. where do i have to go first? do i need to pay taxes? do i need to pay for a sollicitor? things like this. i just wanna know everything. Please.

    thanks in advance

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Rits Date: Tuesday September 7, 2010 @05:32AM

    hi there,
    im not in a hurry so nothing to to rush. i just want ideas. i just got married last month, and my wife and i are talking about houses or a 2 bedroom apartments. we are saving our money every month. i would like to know the procedure of buying a house here in ireland as we are from czech republic.


    we dont want any mortgage.

    eg. let say we find an apartment somewhere around 98k. what are the steps to be taken. where do i have to go first? do i need to pay taxes? do i need to pay for a sollicitor? things like this. i just wanna know everything. Please.

    thanks in advance

    • Reply to this message
  • Re: First Time Buyers

    Posted By: First time buyer Date: Monday October 11, 2010 @03:50PM

    Hi

    I am considering to buy in Lucan there are one or two houses down in Lucan Village a place called cherbury should i buy now or should i wait ,
    The houses are going for about 230K for three bed, in old lucan, :D

    • Reply to this message
  • Re: First Time Buyers

    Posted By: corrina Date: Saturday June 11, 2011 @07:34PM

    Thinking of buying first house. Excluding the deposit, is anyone able to give me a rough idea as to how much extra one would need for all the extra costs??

    Also ..getting mixed reviews on going via a mortgage broker v contacting my own bank..any advise?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Kieron Ward Date: Sunday July 10, 2011 @01:54AM

    Can't advise on the broker VS own bank except to say shop around, do plenty of research and remember if you get approval in principle that doesn't mean you have to draw down....

    Associated costs(not exhaustive):

    - Stamp duty 1% of property value
    - Legal fees: typically 1% of the property value , plus 21% VAT.
    - Valuation fees: €150 approx

    Other costs to consider are:

    - Home insurance
    - Life assurance

    • Reply to this message
  • my weblog 6 3

    Posted By: My website Date: Saturday August 6, 2011 @11:19PM

    Franklin P. Jones~ The trouble with being punctual is that nobodys there to appreciate it.

    - http://kenesstock.blogspot.com/

    • Reply to this message
  • my weblog 4 9

    Posted By: Blog Date: Saturday August 6, 2011 @11:19PM

    We must indeed all hang together, or most assuredly we shall all hang separately. -Benjamin Franklin

    - http://million-ads-blaster.blogspot.com/

    • Reply to this message
  • Re: First Time Buyers

    Posted By: sarah Date: Sunday February 26, 2012 @08:42PM

    Hi
    I am looking into buying a 3 bed house in north county dublin, can anyone please advise on how much under the asking price should I offer on a house??

    • Reply to this message
  • Hi there!

    Posted By: Totem Date: Sunday February 26, 2012 @10:59PM

    I am totally delighted with strong your blog greatly that warned me! God bless you “Children have never been very good at listening to their elders, but they have never failed to imitate them.” - James Baldwin

    • Reply to this message
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    Posted By: Buy Oem SoftWare Date: Saturday March 31, 2012 @09:19AM

    Omg14V I truly appreciate this article. Fantastic.

    • Reply to this message
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    Posted By: social Date: Tuesday May 8, 2012 @12:02PM

    Awesome article post.Much thanks again. Keep writing.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: Anonymous Poster Date: Wednesday May 16, 2012 @08:29AM

    Hi Is there any first time buyers courses around these days? Thanks

    • Reply to this message
  • Re: First Time Buyers

    Posted By: deedee Date: Wednesday June 6, 2012 @03:57PM

    Are there any grants available to first time buyers of houses in Ireland? Are there any grants at all available in connection with house buying, legal fees, construction or reconstruction fees etc. Any information you could give on the subject of buying a huse would be appreciated. Aslo is there any help given to an unemployed person buying a house?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: TheBuyer Date: Monday November 26, 2012 @05:02PM

    Hi, All

    Just want to ask is it possible to get a mortgage off one income and is there any places that i can go to chat to someone within Ireland only please.... See my problem is that i am paying €600 a month rent and to buy i can pay half that i have proof of all payments but still the banks and other places wont give or help to cut this monthly rent in half by giving me the mortgage.. Does anyone have info on wat i can do thanks all?

    • Reply to this message
  • Re: First Time Buyers

    Posted By: happy-nomortgage Date: Monday December 31, 2012 @04:44PM

    I suggest that you figure out ALL costs associated with buying & owning a house in additional to your current monthly expenses.
    1)mortgage
    2)1% to 3% of your home's value for annual repairs and maintenance-very few people consider this and then scramble or borrow when an emergency happens
    3)property tax
    4)water
    5)rubbish disposal
    6)all utilities-electric,phone, heat etc.
    7)current contracts:mobile phone, car loan, car expenses

    add this up, deduct your current rent(i.e.; 2600 minus 600=2000/monthly expense)Can you afford this amount every month ? Do you save this amount? If not you cannot afford to buy.

    • Reply to this message
  • Re: First Time Buyers

    Posted By: sharon Date: Sunday March 10, 2013 @04:42PM

    is this time to buy or still is there chances to reduce in property prices?

    • Reply to this message

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