Primary residence in NI - can I get mortgage relief?

J

jcskinner

Guest
I own a home in Belfast, and spend part of the week there. But my work bases me in Dublin for most of the week, and I have rented accommodation in Dublin too.
I get rental relief on my income tax, but I wanted to know if I can get mortgage relief as well as, or in place of, the rental relief.
My home in Belfast is my only property, and for most of the time of the mortgage, I've spent most of my time there. It is only really since last September that I've spent more time in Dublin, but Belfast remains my residence.
Should I engage a tax advisor on this, or simply put in an application for mortgage relief? I've never claimed it because I didn't think I could.
I should add that my mortgage is in euro with a Southern bank and that my wages are paid in euro by a firm based in the Republic, and that is where I pay income tax.
 
There is more to this that you think unfortunately like everything to do with tax. However it is possible and could be backdated and valuable to you.
 
According to the Revenue TRS division, if the house is outside the state then it's not eligible for relief, which answers my question, albeit not the answer I hoped for.
I'd just like to say I received an offer by mail to assist me with my query by a 'trainee tax advisor' who offered his advice for the princely sum of 300 euro per hour.
I don't think that's particularly good value given that the nature of my query was eventually answered by a single 5 minute phone call to Revenue.
I'd warn people against hiring professionals on the basis of speculative mails from other posters on this site on the basis of that.
Any tax advisor, trainee or otherwise, ought to have known automatically that the house wasn't eligible for TRS relief because it wasn't in the state.
If they didn't, they're in the wrong job. And if they did and still sought to drum up business to the tune of hundreds of euro an hour on the basis that it 'might' be eligible, then they're behaving at best immorally and reprehensibly.
 
jcskinner said:
I'd warn people against hiring professionals on the basis of speculative mails from other posters on this site
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If you have received PMs or emails from an AAM user soliciting for business please let me or another moderator know (e.g. via PM etc.) and they will be banned.
 
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