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Our scenario: Contracts signed including loan offer for joint mortgage with bank A via LTI exemption. New build progressing. New job contract just signed, higher salary, includes 6 months probation. Loan offer with bank A needs to be renewed before it expires. We intend giving the last 3...

Can & does an ownership agreement similar to the draft agreement in this key post apply to Joint Tenancy or does it only apply to Co-Ownership? My partner & I are currently buying a house together, we intend getting married in the near future & have chosen Joint Tenancy as our ownership type &...

Can & does an ownership agreement similar to the draft agreement in the below key post apply to Joint Tenancy or does it only apply to Co-Ownership? https://www.askaboutmoney.com/threads/buying-a-house-with-a-friend-draft-agreement.5003/ My partner & I are currently buying a house together...

Would 70% LTV & a mortgage of ~300k be considered as low LTV & high value? If the effective rate is a little over 2% over 3 years it seems attractive, even compared to UB, not withstanding comparatively restrictive overpayment options.

Do you mean that from a roll-off/SVR rate perspective & access to new customer rates or otherwise? I know their overpayments options aren't as flexible as KBC & especially UB & they apply overpayments differently (as credits). Looking to know what to look out for or what's possibly ahead of us...

I'm looking to confirm what the effective rate for PTSB's 3yr fixed @2.8% for 25 years is after taking into consideration the 2% cashback & 2% of repayments & how to calculate it. I see the first post has the 2018 starting rate of 3.15% Our scenario: 70% LTV & we're looking to use the 2%...

Thanks Coldwarrior. In the scenario where contracts are ready to be signed but we are out of the country on holidays & where our return date would be a week or two beyond the 3 to 4 week timeframe that our estate agent has originally advised that we would have to sign the contracts; is it...

FTB (joint) & just paid a deposit on a new build. We're delighted. Complete newbs to the world of mortgages but learning fast with the help of AAM. HTB approved. Looking for mortgage at 70% LTV. Questions: 1. How soon after placing a deposit on a new build do I need to get a loan offer? 2...

Thanks, appreciate the help. I found a compound interest calculator online confirming your figure also; http://www.moneychimp.com/calculator/compound_interest_calculator.htm With the mybills.ie method of buying 4 or 10yr NSBs I assume that the account number you enter is your existing NTMA...

Calculating interest To confirm, with the 10yr NSB at 2.66% AER on an initial investment of 55K does that equate to €1463 in interest every year? 55k * 0.0266 So after 10yrs the total value will be 55k + (1463*10) = 55k + 14,630 = €69,630? I must be going wrong somewhere here.

Hi Richspirit, thanks. I can use Excel etc or do it manually like above but its really the formula that I need to ensure is correct rather than the tool itself. Can anybody with experience of calculating interest returns from drip feeding confirm where I'm going wrong with the formula used in...

I'm looking to drip feed 24k from a high interest instant access account into 2 regular savers at 1k per month each over 12 months. Calculating the interest from the regular savers is straight forward (i.e. use the calculators on the banks' websites or use the Future Value calculator here...

Perfect, thanks. I don't suppose you happen to know if it's possible to apply via a Probate Office outside of your immediate area (e.g. one of the less busy rural offices)?

Side question for anyone else who has gone through the Probate process via Personal Application; Do you know if it's possible to obtain a Grant of Representation with a Probate Office which is outside of your immediate county? E.g. The Dublin office covers Dublin, Meath, Kildare & Wicklow. If I...

Great stuff, thanks swiggy. Out of curiosity; 1. Did you post or hand in the completed forms to the Probate Office (with form PA2 & Form of Understanding)? 2. Did you include copies of account statements with the completed forms or was this necessary (I note its not requested but that other...

I'm currently applying for Grant of Probate via Personal Application. Per Revenue eBrief No. 65/10 at [broken link removed] Revenue are now making an alternative version of the form available on the website. This alternative version of the form must be completed using a computer. Two original...

Thanks WizardDr

Excellent, thank you for your help.

How does someone go about confirming whether real property (i.e. land & buildings) is in Joint Tenancy or Tenancy in-Common? I understand the difference between the two types of Joint Property/Ownership and the potential implications of each in various scenarios (death, inheritance, selling...

Myself and many others too. Most financial institutions and utility companies no longer issue hard copy statements & if they do they tend to be chargeable more often than not. The requirement for at least one form of original identification with photo, name & address I can understand though for...