Ive organised a solicitor now and have passed his details onto the estate agent and bank. The EA says he'll send out all the particulers.
The problem now is the bank dragging their heels. i had originaly signed all the paper work to speed things up but theyve rang every day looking for :
p60
rent book
house size & condition
reconfirming address
rate to be used .
Mostly done now and Ill email them with a rate descision tommorow. They reckon a week to make a formal loan offer but with all the bank holidays itmight be longer.
Six months ago I was offered 139000 from the EBS down from the original offer of 190K. Ulster Bank said theyd give me 135k but Im applying for 89k. They said my credit card debot of €1000 wont be taken into account :-0 as its too small. Im trying to call in all debts and pay as much as possible anyway .
Plan now is too
1 get letter of loan offer
2 contact solictor to start searches
3 organise surveyor
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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
Sites I found helpful
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- alma egan
- Dublin, Ireland
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