No shame in it . Everyone has different circumstances. The rebuilding Ireland may be more accommodating. Has the broker provided you with any alternatives?Thank you for your reply. The broker said today that as we were married my husband wouldn’t be able to make a sole application. Even if he could, it wouldn’t be enough to buy a house here with central bank rule 3.5 times your gross. I assume it will be the same problem with the Rebuilding Ireland home loan. We are both 41 so this is an absolute shame for me I didn’t get this sorted before now.
Yes, correct.The broker said today that as we were married my husband wouldn’t be able to make a sole application.
Thank you for your reply. Yes the broker told me to order the ICB credit report and drop it into him as until he sees that he said he dosnt know what he’s dealing with. That’s understandable so we didn’t discuss too much more then. He did say that we could explain out the circumstances of the time .. and if not there would be another option so that could be Finance Ireland, I’m just reading a little more about them. My husband works in the North so we are limited also in the no of banks that will deal with us as it’s sterling income.Yes, correct.
The first thing you need to do is get copies of your credit reports (both ICB & CCR) and see how the debt is recorded. It's a positive that you've now repaid it fully, but that's a small positive.
The 5 years is no longer a hard line taken by banks. It'll stay on your history for 5 years, but once you've 2 years clean history banks will look at individual circumstances. Does your broker deal with Finance Ireland?
Not just yet, I’ve ordered my ICB report which he needs to see and Wel need another appointment to discuss what happens then. Anxiety levels are high!No shame in it . Everyone has different circumstances. The rebuilding Ireland may be more accommodating. Has the broker provided you with any alternatives?
Hopefully you can get a positive result. Keep us postedNot just yet, I’ve ordered my ICB report which he needs to see and Wel need another appointment to discuss what happens then. Anxiety levels are high!
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?