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    Commision Payment after leaving work

    Hi - I am changing job shortly. In my current job I am paid a quarterly sales commision. This is usually paid 2 months after the end of our sales quarter. i.e last sales quater ended 31st December and commision payment is due end of Feb. I am due to leave the company end of Jan and they are...
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    Company reneging on pay increase

    Line manager and next manager up supporting pay increase and completed case for director and HR to sign off it's not passed these yet. Also I was offered it in writing in my amended employee contract...
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    Company reneging on pay increase

    Hi I work for a large Irish employer for over 10 years. 2 years ago I was offered a more senior position. After a month of negotiating I was offered a 5% pay increase plus a further performance related salary increase after 6 months in the new position which was written into my amended terms of...
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    Buying house with parent, tax implications??

    Do you believe my father would be liable for income tax with me repaying to mortgage payments in full? This is probably key in whether this is an option or not. Thanks,
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    Buying house with parent, tax implications??

    Originally I wanted to keep my existing property and rent it out but the bank only factor in 75% of the monthly rental income. They also stretch test the existing monthly mortgage repayments with an increased 2% interest rate. This means I can only borrow approx 100K keeping my existing property...
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    Buying house with parent, tax implications??

    I won't get the additional mortgage finance this way as I am already in NE. What is the 7 year rule? Also would be father be liable for any income tax? Thanks,
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    Buying house with parent, tax implications??

    Hi, I am looking at buying a house but I am having diffucility with morgage funding due to negative equity and issues selling my current home. An option is to keep my existing home and rent it and buy the new house with with my father as a co-owner. We would both put approx 40K into buying the...
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    Home improvement loan

    Butter I think your builder has a great point, and you could try to put a value on having the extra years enjoying the entention on the house now rather than waiting 5 years, etc.
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    Who in KBC Bank to talk to about the purchase of a house handed back to the bank?

    I've been told (by someone working there) that KBC have a huge number of vacant properties now in their possession (some for a long time) but have yet to put them on the market. I'd be interested to hear if anyone know this is the case with other banks? You would expect with increased...
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    Approaching Seller Directly

    Thanks for resposes. The fact the the agent won't even return a call or give us anyfeed back in relation to why she can't arrange a viewing for us gives us no option but to approach the seller. The house is owner occupier so we are going to approach them early next week. I do take on board...
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    Shock Horror: "74% of mortgages in 90 days arrears not restructured - Finance"

    However from your figures above 10,877 have been restructed over the past 3 months so these would be removed from the >90 day arrears? This means there was over 8000 new mortgages going >90 days. So over the next 2/3 years we could have 50000-80000 additional mortgages moving into serious...
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    Approaching Seller Directly

    Hi, dean, we are starting to think the agent may be up to something as the asking price is reasonable and there have been 5,000 hits on daft. If we approach the seller we do not want to tell them how bad the agent is as if they change and get a good agent we might be priced out!
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    Approaching Seller Directly

    Hi, I am interested in viewing and making an offer on a property however the estate agent will not come back to me to confirm a viewing after 3 weeks of trying. The agent originally advised me that she forgot to contact the vendor for the viewing and then that the vendor didn't return her call...
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    Maternity Benefit & OPFP

    Hello, grafeful for all help here. My sister is received OPFP and is due a baby in September. She has been working since start of this year, approx 20 hours per week and has declared this. In 2013 she worked approx 20 hours per week from Jan to June. I wonder if she willl be entitled to any...
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    Advice on how much of a mortgage to get

    Hi, if this is the area where you want to live go for it, why are you waiting until 2015 or 2016? You are keeping 80K for emergency & renovating. I would use approx 60K of this towards the payment of the house, this will bring the mortgage down to approx €2,100. Then I'd save like hell (minimum...
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    What we have learnt from the Finance Committee meetings with the banks

    Excellent coverage Brendan! What interests me is that there are approx 20,000 cases at legal/AVS. I wonder how may of these are buy to let versus owner occupier? Also can the courts handle all these cases? However one would expect a large number of these to come onto the housing market at some...
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    Getting name added to title deeds after purchase

    Brendan, he will put in approx 55K and she 25K so an agreement that seems fair to me is that if they ever need to seperate and sell the house he would get back his 55K and she her 25K and then they split any remaining equity (positive or negative) 50:50. However as he is buying it on his own...
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    Getting name added to title deeds after purchase

    Hi thanks for feedback, as wbbs mentions as a joint application her earnings are not taken into consideration while the cost of her children are. So the banks are approving 40K less than what her fiancee can get on his own. So the plan is to get her name added to both the mortgage and the title...
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    Getting name added to title deeds after purchase

    Hi, hope I can get some advice here. My sister is currently looking to buy a house with her fiancée. However she is currently only working for a few months and has children so they have been advised for her partner to apply for the mortgage on his own as they will only get the finance they need...
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    Selling rental property

    True, this was an error on my part as I used another contract as a template with this in it. Kier, as the tennant is there more that 6 months and if my fixed term contract is void they will be covered by Part 4 Tenancy? Meaning I'm within my rights to provide 5 weeks notice. I know I'm going...
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