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Hi newbie, It will clear on Wednesday. It takes 5 working days, the lodgement day Tuesday is counted as one plus Wednesday & Thursday, your missing Friday & Monday so the next working day is Tuesday & then Wednesday which is the 5th working day.

Thanks for the reply Brendan, I was hoping someone would tell me that they’ll write it off but I suppose it will be another 10 yrs or more before people with split mortgages hit that age & we’ll find out the definitive answer. I’ve been on the split for a few years & the 3 year review was a...

Hi, I’m on a 50/50 split mortgage with KBC. The term is up to 70 yrs of age so I’ve a bit of time to go yet to get to that stage. My query is, in people’s opinion what will happen to the warehoused portion if I haven’t cleared all of it by the time I get to 70 or is that a complete myth at this...

Don't do it, 10 years is a long time & a lot of things can happen. You'd be better off buying the apartment yourself & renting it back to her @€550 a month with a contract in place where she's doing something like a tenant purchase or rent to buy scheme so if she still wants the property in 5...

My condolences on your loss. Being honest & not degrading the counter assistant I would be checking this further before taking her word for granted - is she qualified in this department, has she dealt with a similar situation in the past which makes her 100% sure that she's correct. It seems...

No sure on the legalities but if the rent is being paid I don't think she should be kicking up too much. Maybe if she can have a rent review & increase it she might be better off. You have to look at the hassle of evicting paying tenants, who may get someone like threshold involved & how long...

I've only just read this thread which has taken quiet some time. I didnt think that BOI dealt directly with brokers - was the mortgage done through ICS which was their broker wing? Maybe the broker was using a local branch to place the business? In relation to the tracker rate, its fair to say...

Does this ruling have any implications for people on a split mortgage that haven't gone down the insolvency route? Will banks now be reviewing all split mortgages on their books?

Hi Fiona I used the Cork Mortgage Centre on the South Mall & found them easy to deal with. They're across the road from the Imperial Hotel, I don't have a number as it's a few years ago but you'll find it easy enough. I think the guy in there is involved in the ladies GAA in some form.

I'm in a split mortgage for the past few years also & like yourself I was advised that it would be reviewed after 3 yrs throughout the term of the mortgage. I think the 3 yrs are up in August so it would be handy to know if the reviews are actually taking place. The house value hasn't...

Finance 12345, but sure you signed the loan offer in front of your solicitor who witnessed same. You would have also received a copy of the loan offer from the bank so if there was a discrepancy with a name either you or your solicitor should have drawn it to the banks attention. The more...

Where are you based?

Don't use interior paint outside or as someone else said it will flake off in a very short time. I wouldn't be for watering down the exterior paint either for an undercoat. It might cost you a small bit more now but you'll save money in the long run as you won't have to paint it as often plus...

As in a right of residence?? If that's what you mean then the answer is no as if you default on the payments the lender has to sell the property with someone living in it & there's no way they're going to get into that scenario. It doesn't matter if you're raising the money to buy another...

Get your solicitor to make the lender aware in writing that the purchase is a build case that won't be finished until after the 6 month expiration of your loan offer. You are entering into a legal contract so once he lets them know you should be ok & you sign contracts. Your solicitor probably...

100% correct. The best way to cancel the old policy is to stop the direct debit as it's probably still showing as being assigned to your first mortgage provider & between getting a release of assignment off them & a letter of cancellation to the life company you'll be running around in circles...

Both of you're ages would have a bearing on the term a lender would offer you also.

Free to air box, is that a dream box?? I have a basic sky package, no sports or movies etc costing €39 per month but I watch all d sports on a tablet using mobdro app. I'm not on a contract for my phone & bb which costs approx €50 a month. Can someone advise what my best option is, should I...

Your better off to go to a broker as he will have access to a search engine like "best advice" which will give the cheapest quote on the market so no matter what company you take it out with they will have to match the cheapest one. If you go direct to the bank they may not advise of a cheaper...

A friend of mine got the €1500 as well. The rates aren't too bad either. I think it's repayable if you move mortgages within 3 years or something? In today's world who can move mortgages in that timeframe anyway?