Looking to get a feel for our application. Thanks in advance for looking.
Joint application, FTB
4 bedroom house
Purchase price €243000
Mortgage €216400
based deposit of 10% of the first 220,000. 20% of the rest
35 years
Joint income €75k
In summation of the below we have €33k sitting in our account
We has saved up €13k over the last 28 months.
We have €20k gift from family been sitting in my account for a year
regular savings of 300€ pm month for the last 6 months. Everything else is just was dumped in adhoc. (We realise a mistake)
Our savings were higher but we got engaged and went to vegas so there has been a dip of €1k-€2k net over the last 5 months. i.e we had about €35k last December and now have €33k (Big one off expenses obviously)
Age of Applicants?
Both 27
Employment situation. Public sector/Private sector/Self employed/Contract.
Both full-time
How long are you in current position and are you permanent.
Party A - 3 years
Party B - 6 months (just finished probation BOI adviser advised not an issue because of the company involved, hope its true)
Have you any children.
No children
Have you any court orders or Judgements.
No
Have you any other loans and if so full details of amount/period/% rate and repayment
amounts.
No.
Cr. Card situation. Full disclosure.
Yes just got one for vegas. Set up to be paid in full by DD. 800 left because of the timing of the bill it came out in two parts.
Have any of your existing loan or credit card monthly repayments been paid late over the past twelve months, even if you made the repayment in full a few days later? If so, how many times in the past twelve months?
No
Any previous negative Cr. history by either applicant.
No
Are your savings and rent clearly visible and identified as such in your bank accounts each month
Yes. 700pm
Have you gone over your overdraft limit in the past six months, even if only for a day or two? If so, how many times in the past six months?
No
If you have been refused a mortgage please give exact reason of why and address why you think you should not have been.
No
Did you use a Mortgage broker or are you applying directly?.
Directly with BOI
Any other relevant information.
Have you checked your ICB record to make sure it's clean?*
No
Which bank(s) have you applied to?
BOI
Joint application, FTB
4 bedroom house
Purchase price €243000
Mortgage €216400
based deposit of 10% of the first 220,000. 20% of the rest
35 years
Joint income €75k
In summation of the below we have €33k sitting in our account
We has saved up €13k over the last 28 months.
We have €20k gift from family been sitting in my account for a year
regular savings of 300€ pm month for the last 6 months. Everything else is just was dumped in adhoc. (We realise a mistake)
Our savings were higher but we got engaged and went to vegas so there has been a dip of €1k-€2k net over the last 5 months. i.e we had about €35k last December and now have €33k (Big one off expenses obviously)
Age of Applicants?
Both 27
Employment situation. Public sector/Private sector/Self employed/Contract.
Both full-time
How long are you in current position and are you permanent.
Party A - 3 years
Party B - 6 months (just finished probation BOI adviser advised not an issue because of the company involved, hope its true)
Have you any children.
No children
Have you any court orders or Judgements.
No
Have you any other loans and if so full details of amount/period/% rate and repayment
amounts.
No.
Cr. Card situation. Full disclosure.
Yes just got one for vegas. Set up to be paid in full by DD. 800 left because of the timing of the bill it came out in two parts.
Have any of your existing loan or credit card monthly repayments been paid late over the past twelve months, even if you made the repayment in full a few days later? If so, how many times in the past twelve months?
No
Any previous negative Cr. history by either applicant.
No
Are your savings and rent clearly visible and identified as such in your bank accounts each month
Yes. 700pm
Have you gone over your overdraft limit in the past six months, even if only for a day or two? If so, how many times in the past six months?
No
If you have been refused a mortgage please give exact reason of why and address why you think you should not have been.
No
Did you use a Mortgage broker or are you applying directly?.
Directly with BOI
Any other relevant information.
Have you checked your ICB record to make sure it's clean?*
No
Which bank(s) have you applied to?
BOI
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