Hello all.
Here is my prediciment and if anyone could advise the appreciation would be in maxim.
At present I am currently residing in London with my girlfreind. The general feeling of late is that we should move back to Ireland, which is a good news all round factor.
Now when we get back home we're going to buy a house together (den den den), which is the crux of the issue.
Would it be better to get the mortgage from an Irish bank while still working in England. The problems I can see with this are you won't be able to get a 92%-er (I've been quoted 75 to 90%) but more importantly will I have to pay stamp duty at an ivestors rate even if we are buying our first home to move home to. I'm starting to think that we are......... so firstly does anyone know if this is the case or is there a way around it.
I've only been in England since last December, so it seems a bit of a rip to me to have to pay it. I wonder if I move back first and get a job in Ireland and my girlfreind stays in England for a month or two could we get a mortgage with one of us in Ireland and one in England and thus get back the first time buyers status and not have to pay it on anything less than €317k.
Basically I'm concerned that if we move back home and get a mortgage from our new Irish jobs, we'll be on less wages and as thus we mighn't get as much and we'll have to wait out our probations, then we'll have to get a short term rip off lease somewhere blah blah messy ....
So any angles anyone, would be well appreciated.