what are the chances of me getting some type of mortgage?

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forvey2014

Registered User
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4
I have cystic fibrosis with severe exhaustion(when infections get bad), depression and currently in a state of slow suicide.

I have around €30,000 in savings from a few years ago when I could work part-time and about another €20,000 in savings from unspent Disability Allowance payments because I live too far away from anywhere I could spend it. (I consider myself lucky if I get to the local petrol station or town once a month) Don't worry 100% of these savings will be given back to the Irish Government/Tax Payer when I die if my current circumstances don't change so please don't think me or other people with disabilities are getting too much.

I would love to move out and be closer to the hospital so it will be more convenient to make appointments, get treatments and rehabilitation work or training but rents would cost ~€800 so 100% of my income would be spent on rent which leaving nothing for food, gas, power, internet etc except savings but that would not last very long.

I know the chances of getting a mortgage are next to none but it just makes me think I'd prefer to be paying that €800 towards something I can own and somewhat a purpose to live and look after my heath properly then a prospect of better education and employment.

I've looked on daft.ie and there are a few suitable apartments going for between €85,000-€130,000 in Cork and thinking a 10-20, €400-€800 month mortgage isn't too unrealistic?

I know there's the whole Rent Allowance route but I really don't wan't to be an even bigger burden to the tax-payer then I already am.

Thanks.
 
Hi,

Sorry about your illness.

You have worked in the past and paid PRSI and PAYE, so you have made a valuable contribution to society and taxpayers.

When you say you would love to move out, are you paying any rent at the moment?
 
You won't get a mortgage while you are on social welfare.

Have you spoken to the social worker in the hospital? Could they arrange local authority laccommodation for you closer to the hospital if you visit it a lot?

Brendan
 
forvey.

quote, {don,t want to be a bigger burden}

Simply ,you did not ask to get cystic fibrosis.Whatever you get in allowances you are properly entitled to.
In no fair way are you any more a burden than any other person with chronic conditions,eg diabetes, so with respect ,kill that burden feeling.

Brendans advice on seeing social worker makes sense.
Wish you well.
 
forvey2014 said:
I
I know there's the whole Rent Allowance route but I really don't wan't to be an even bigger burden to the tax-payer then I already am.

.
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Forvey you're obviously not thinking straight if you are not going to apply for rent allowance. You are entitled to it and it is your right, and of all people you should get it. Have you family to help you, how much rent would you need to pay close to the hospital, have you identified somewhere suitable, I would find out from social welfare or the community welfare officer what rent level you are entitled to. Do you need a particular type of accommodation to cater for your needs.

You need to focus on you, your needs, Irish tax payers should not be and are not of concern to you.

Have you considered talking to the Samaritans, also I'm sure there must a hospital group for Cystic Fibrors suffers that will help you in letting you know your entitlements.

Unfortunately you will not be able to get a mortgage.
 
STEINER said:
Sorry about your illness.
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I'm the one that should be sorry as I needed to describe my situation as best I could without sounding like I'm whingeing about it.(Sorry)

STEINER said:
You have worked in the past and paid PRSI and PAYE, so you have made a valuable contribution to society and taxpayers
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I guess but not like it was anything substantial as it was mostly part-time/summer work and odd jobs. I didn't really care what it was, all I knew is that I liked it and was happy and rarely felt rushed to do it.

STEINER said:
When you say you would love to move out, are you paying any rent at the moment?
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No.

Brendan Burgess said:
Have you spoken to the social worker in the hospital? Could they arrange local authority accommodation for you closer to the hospital if you visit it a lot?
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Yeah, last time when I was there around 6 months I did speak with a "social worker" about my situation and all they did was give me the number for the local community welfare officer which was pointless and a waste of time because its easy to find that myself if I needed it. I taught that they would be able to liaison with some other people(HSE?) and work something out by the time I would be discharged.


I know and its not that I think other people in the same situation/other illnesses don't deserve treatment, I'm just a little angry at myself because I wasn't able to finish school and now I'm stuck in a bit of a double catch 22 where I can't afford to move to get qualifications for a job that's suitable for me to pay for said accommodation.

Bronte said:
How much rent would you need to pay close to the hospital, have you identified somewhere suitable, I would find out from social welfare or the community welfare officer what rent level you are entitled to.
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€600-€800 and the rent limit in the area is €485. There have been no places suitable or not that have been listed in the area in the last few months. :/

Bronte said:
Do you need a particular type of accommodation to cater for your needs.
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As long as isn't cold, damp and drafty and somewhat close to hospital or regular buses to the hospital.


Thanks for replies and sorry for posting stuff that might of needed to be in another board.
 
Are you living at home presently?

You've listed the one bed max rent limit. Is there any rule that means social welfare has discretion to increase this limit in cases of serious illness. Maybe you could post that question on the social welfare forum on AAM and one of the experts would have the answer. I suggest you ask the CWO, social welfare, citizen's advice and the hospital group that helps people with long term illnesses.

The rent limit you mention would get you a one bed flat in Cork. €800 would get you a house. What exactly in terms of accommodation is suitable. You might be better off sharing accommodation, the rent limit is less, but you get more house? Perhaps another person in similar circumstances to yourself, maybe there is a bulletin board at the hospital.
 
Bronte said:
Are you living at home presently?
Click to expand...

Yeah.


I've read on Citizens Information that there can be some cases for people with disabilities but its not like I'm in a wheel-chair or anything(yet), I'm just limited in the amount of physical exertion that i can do which is why I was looking to close closer to the hospital and such.


All I need is a 1 bed flat/apartment, I don't need a house. It's just that rents are so high it doesn't make since to me to pay so much. I really don't want to share(especially with people I don't know) because I don't want people asking questions about medications, I hate sounding entitled but even privacy is a huge concern for me.

I don't know, the whole rent allowance thing doesn't seem logical in my case but it could be my depressive tendencies clouding my judgement and I'm trying to figure out why the government would be willing to pay €300 a week in rent allowance and disability for me without giving a damn even if I wanted to sit on my ass all day when at that rate I could pay off a mortgage on an 80k flat in less then 5 years and be off disability at the same time and with a degree in computer science/IT.
 
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