Age: 31
Spouse’s/Partner's age: n/a
Annual gross income from employment or profession: 54,000 (+ overtime/bonus - not as great as used to be)
Annual gross income of spouse:n/a
Type of employment: private industry
In general are you:
(a) spending more than you earn, or
(b) saving?
Saving
Rough estimate of value of home maybe €250,000
Amount outstanding on your mortgage: €212,000
What interest rate are you paying? not sure but on tracker, pretty low
Note on this - I am not living there at the moment so it is currently an investment property. Rent is paying mortgage - taking into account insurance etc this property is earning approx €100 per month (before tax)
Other borrowings – car loans/personal loans etc None
Do you pay off your full credit card balance each month? Yes
If not, what is the balance on your credit card?
Savings and investments: €30,000
Do you have a pension scheme? Yes
Do you own any investment or other property? See above
Ages of children: none
What specific question do you have or what issues are of concern to you?
I would like at some time in the relatively near future to buy a property that I would see myself staying in long term. Currently there are a number of suitable houses in the area I want on the market for €350,000
Obviously prices are subject to change and speculation disallowed here, but what would be the best way to achieve what I want?
Thanks
Spouse’s/Partner's age: n/a
Annual gross income from employment or profession: 54,000 (+ overtime/bonus - not as great as used to be)
Annual gross income of spouse:n/a
Type of employment: private industry
In general are you:
(a) spending more than you earn, or
(b) saving?
Saving
Rough estimate of value of home maybe €250,000
Amount outstanding on your mortgage: €212,000
What interest rate are you paying? not sure but on tracker, pretty low
Note on this - I am not living there at the moment so it is currently an investment property. Rent is paying mortgage - taking into account insurance etc this property is earning approx €100 per month (before tax)
Other borrowings – car loans/personal loans etc None
Do you pay off your full credit card balance each month? Yes
If not, what is the balance on your credit card?
Savings and investments: €30,000
Do you have a pension scheme? Yes
Do you own any investment or other property? See above
Ages of children: none
What specific question do you have or what issues are of concern to you?
I would like at some time in the relatively near future to buy a property that I would see myself staying in long term. Currently there are a number of suitable houses in the area I want on the market for €350,000
Obviously prices are subject to change and speculation disallowed here, but what would be the best way to achieve what I want?
Thanks