Unclaimed Mortgage Interest Relief

First timer poster - have spent a lot of time reading through ROS.ie & this website, but cannot find a similar example of my situation and hoping for some clarity.
A family property was inherited by our family, in 2002 i bought them out taking out a mortgage. One of the stipulations by the bank was to have my fathers name on the mortgage, deeds of house & joint bank account. All repayments were made by myself & he had no further interest.
Recently i've found out this meant i had waived my 1st time buyer status although it was my first mortgage.
I'm trying to explore the avenue of mortgage interest relief - which i have never previously claimed.
The property has recently been rented and I am weary of what i may or maynot be entitled to...

Sorry for the length of thread - had to explain situation as clear as possible, thanks

Not sure if your situation is the same as our's but husband had previously had a mortgage and I hadn't. We subsequently bought together and I was not given first time buyer status automatically. About 2 years into the mortgage I investigated my status as ftb with revenue and was then reimbursed with the ftb mortgage interest relief I had missed out on.

As Pavlov said, you would have been eligible for TRS, which can be paid retrospectively, but there maybe a time limit for claiming. You should just phone Revenue and ask them. You dont need to worry if your house is now rented, as long as it wasn't rented during the time you want to claim for.
Either way you should get something, as TRS for all homeowners only expired last year.

Were you living in the house ?
Did you legally own it ?

Was your fathers name on the deeds and mortgage with yours or just his ?

Mortgage interest tax relief is only available to owner occupiers, so these questions are relevant.

Thanks for the replies - yes was living there at the time by myself, (we) legally owned as both our names were on the mortgage and deeds, by request from bank prior to granting mortgage.
what im trying to get at is, because there was two names on the deed & mortgage, it ruined my status - do you think it will affect my chance of interest relief or 1/2 the interest relief?

Here is the relevant page from Revenue about Mortgage interest tax relief. I speed read it and didn;t see an scenario of two owners, one of whom is an owner occupier and one who isn;t. If you read it in detail, it may answer your question.


http://www.citizensinformation.ie/c...a-home/buying-a-home/mortgage_interest_relief