Articles Written By: The First Time Buyer

This author has written 79 articles
Mortgages and Tax: What to do?

Mortgages and Tax: What to do?

Mortgages and Tax

As soon as you buy a house you should let the tax office know your new address. You can then apply for tax relief on the mortgage.

Tax relief covers a house, flat and in some cases a mobile home. It’s also worth noting that you can claim tax relief on any loan used to purchase or repair a property so long as it …

Things to avoid when looking for a mortgage

Things to avoid when looking for a mortgage

Things to avoid when looking for a mortgage

We have all become more careful with cash in recent months and this should also extend to your choice of mortgage products.

  • Don’t take the first mortgage you are offered for fear that you won’t get offered another one.
  • Don’t accept everything that your lender says as gospel. Ask questions and get a second opinion.
  • Don’t get sucked in by …
What does €100,000 get you this week in Co. Kilkenny?

What does €100,000 get you this week in Co. Kilkenny?

Blacklodge, Shankill Castle, Paulstown, Co. Kilkenny

Coming in at €90,000, nicely under our €100,000 budget you could buy this 1 bed cottage within walking distance of Paulstown in Co. Kilkenny.

The cottage which is made from limestone dates back to the 1850’s. Some of the features of the property include the original window shutters, a small courtyard and storage outhouse which is suitable for conversion, subject to …

Renovation of the week: Parkmore, Tuam, Co. Galway

Renovation of the week: Parkmore, Tuam, Co. Galway

11 Parkmore, Tuam, Co. Galway

If you happen to be over west this week for the Galway races then maybe you should stop by and take a look at this 4 bed terrace house in Tuam. Why? This property is on the market for a fantastic €65,000!

The house needs a bit of a renovation makeover but at €65,000 I’m sure there might be some change left …

Mortgage Exit Fees: Up and Out

Mortgage Exit Fees: Up and Out

Exit Fees

Over the past few months banks and lending institutions have increased mortgage exit fees in an effort to avert remortgaging.

Anyone on a fixed mortgage rate will be aware of the benefits of switching to a variable rate mortgage right now. Those on a fixed rate have not benefited from the recent falls in interest rates led by the lower rates of the European Central …

Mortgage Refusal: They just won’t lend me the cash.

Mortgage Refusal: They just won’t lend me the cash.

Mortgage Refusal

You have shopped around all the financial institutions and building societies. You have contacted a number of brokers. None of them will give you a mortgage. How can this happen? Refused a mortgage? There are usually a number of reasons that combine to result in mortgage refusal. The bank or building society can simply refuse to lend you the cash and is under no …

How much can I borrow?

How much can I borrow?

How much can you borrow?

A year or two ago it was a case of how much are the banks willing to lend me.

The days of borrowing five and six times your income are well and truly over. This was one of the main contributors to the over priced houses that we have experienced in Ireland over the past few years. While the banks are much more …

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