I decided in January that I was going to start looking in earnest this Spring. First step was to get provisional mortgage approval.
I visited the EBS as this is where I have my savings in an investment account. They went through all the application forms and what was involved etc . I did all this early January 2010
In February I applied for AIP as the new tax year had started and I had my P60. I sent in 3 pay slips, copies of savings, copy of P60, salary cert. A week later I got appoval in principle for €195000 (max 92% of house price) . Would have liked more but hey you cant be greedy (or stupid) . This process took around a week. They also said if I got a third bedroom theyd add €5000 to the mortgage offer
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King of Negotiation
My architect if I win the lottery
my search for a home in Dublin
I need his help
King of Negotiation
and his help
My architect if I win the lottery
My Tips
* Dont believe a word any estate agent or solicitor says. Expect long delays and no one to ring you on time
* visit the area where the house is at different times of the day
* ask the police if you have any niggling doubts about the area
* check the taps work and windows open
* ask if the heating works, just because its there doesnt mean it works
* see if the neighbours have added extensions or converted the attic
* never act too excited , the agent can smell an eager buyer a mile away
* be willing to pay the price to get the house or willing to walk away and leave it
* dont think too much about the price. Its only a guideline and a house is only worth what someone is willing to pay
* visit the area where the house is at different times of the day
* ask the police if you have any niggling doubts about the area
* check the taps work and windows open
* ask if the heating works, just because its there doesnt mean it works
* see if the neighbours have added extensions or converted the attic
* never act too excited , the agent can smell an eager buyer a mile away
* be willing to pay the price to get the house or willing to walk away and leave it
* dont think too much about the price. Its only a guideline and a house is only worth what someone is willing to pay
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