My situation:
I am 65 years old, I have a property in Poland worth circa 170,000 fully paid. 34,000 savings. I will start getting contributory OAP in January 2026 around 1,130 euro per month and plan to continue working till my 70. I like my job very much. If for whatever reason I stop working I can avail my Polish pension worth 1,000 euro per month (it will increase around 9% with each delayed year). Here in Ireland I am renting a room for 800 euro per month and can save 1,000 euro monthly.
My partner has a house in Ireland worth circa 340,000 fully paid but is risk adverse very much. 250,000 savings. Full contributory OAP plus small private pension.
I planned to retire to Poland, but lately I am thinking about staying in Ireland. Nice apartment has just come on the market for 360,000. The only possibility in that circumstances would be to buy it together: 1/3 me, 2/3 him. So later he can sell his house (he is really very risk adverse) and pay me back or other way around I can sell my property, which might increase in value. Now we live very close to each other, so living together long term might not work.
I was thinking about moving together to the apartment with a lift because maybe in 10 years time walking up and down the staircase might not be possible.
Would it be possible for me to get 86,000 mortgage for 5 (the best for 10 years)? And if yes, which bank would you recommend?
I am 65 years old, I have a property in Poland worth circa 170,000 fully paid. 34,000 savings. I will start getting contributory OAP in January 2026 around 1,130 euro per month and plan to continue working till my 70. I like my job very much. If for whatever reason I stop working I can avail my Polish pension worth 1,000 euro per month (it will increase around 9% with each delayed year). Here in Ireland I am renting a room for 800 euro per month and can save 1,000 euro monthly.
My partner has a house in Ireland worth circa 340,000 fully paid but is risk adverse very much. 250,000 savings. Full contributory OAP plus small private pension.
I planned to retire to Poland, but lately I am thinking about staying in Ireland. Nice apartment has just come on the market for 360,000. The only possibility in that circumstances would be to buy it together: 1/3 me, 2/3 him. So later he can sell his house (he is really very risk adverse) and pay me back or other way around I can sell my property, which might increase in value. Now we live very close to each other, so living together long term might not work.
I was thinking about moving together to the apartment with a lift because maybe in 10 years time walking up and down the staircase might not be possible.
Would it be possible for me to get 86,000 mortgage for 5 (the best for 10 years)? And if yes, which bank would you recommend?
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