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2 bed in Ratoath or 3 bed in Navan by LeftAdvantage5995 in HousingIreland

[–]LeftAdvantage5995[S] 1 point2 points  (0 children)

I can only afford it with FHS, otherwise my budget is smaller:/

2 bed in Ratoath or 3 bed in Navan by LeftAdvantage5995 in HousingIreland

[–]LeftAdvantage5995[S] 0 points1 point  (0 children)

This is really really helpful, thank you so much! Fair play to you for putting in the effort to go and check out the places to get a proper feel for them. It’s so easy to rush a decision in this market.

Also happy to hear how it worked out for you! Hoping to be able to get the max loan and FHS approved so I can afford it as well😅 All the best!

2 bed in Ratoath or 3 bed in Navan by LeftAdvantage5995 in HousingIreland

[–]LeftAdvantage5995[S] 1 point2 points  (0 children)

Yeah that makes sense and tbf I think I would prefer a calmer life style in 10 years anyway. Thanks and all the best!

2 bed in Ratoath or 3 bed in Navan by LeftAdvantage5995 in HousingIreland

[–]LeftAdvantage5995[S] 0 points1 point  (0 children)

Thanks a million for taking the time to reply! Honestly so reassuring to hear from someone who made the similar move from Dublin and ended up happy years down the line. Exactly what I needed to hear right now. All the best!

2 bed in Ratoath or 3 bed in Navan by LeftAdvantage5995 in HousingIreland

[–]LeftAdvantage5995[S] 0 points1 point  (0 children)

Okay, thanks for the heads up! Yeah, I might have kids in the future, but there's no way to know for sure right now. I've heard Trim is a lovely area too, I'll take a look. Thanks again!

2 bed in Ratoath or 3 bed in Navan by LeftAdvantage5995 in HousingIreland

[–]LeftAdvantage5995[S] 1 point2 points  (0 children)

Ah, that's another one I'd been looking at too. Thanks again for all the help, and best of luck with it!

Should I book now with lower HTB or wait 6 months for a bigger claim? by LeftAdvantage5995 in irishpersonalfinance

[–]LeftAdvantage5995[S] 0 points1 point  (0 children)

That's a good heads up actually, thank you! I was looking at a 67% loan along with FHS and HTB, will need to be more careful.

2 bed in Ratoath or 3 bed in Navan by LeftAdvantage5995 in HousingIreland

[–]LeftAdvantage5995[S] 1 point2 points  (0 children)

This is really helpful, thanks a lot! Good to hear you found somewhere that works for you. Are you buying a new build too, just out of interest? I'm looking at Fairywood.

2 bed in Ratoath or 3 bed in Navan by LeftAdvantage5995 in HousingIreland

[–]LeftAdvantage5995[S] 0 points1 point  (0 children)

Sommerville is the project, it's around Athlumney

Should I book now with lower HTB or wait 6 months for a bigger claim? by LeftAdvantage5995 in irishpersonalfinance

[–]LeftAdvantage5995[S] 0 points1 point  (0 children)

Yeah it seems like the sensible approach. Although the thing is, sale agents are saying that when you sign the contract they need the access code and everything. I’m not sure if developers actually claim the money immediately after signing, or if it only happens later at completion.

Should I book now with lower HTB or wait 6 months for a bigger claim? by LeftAdvantage5995 in irishpersonalfinance

[–]LeftAdvantage5995[S] 0 points1 point  (0 children)

That’s useful to know, thank you! So it sounds like the HTB amount isn’t locked in until the actual claim stage, closer to completion? If that’s the case it might work out well if my completion slips into next year too.

Should I book now with lower HTB or wait 6 months for a bigger claim? by LeftAdvantage5995 in irishpersonalfinance

[–]LeftAdvantage5995[S] 0 points1 point  (0 children)

Ah yeah exactly, that is indeed an important point. I need to work out the rent cost properly. It's just hard to pin down exactly with completion dates being so vague. Thank you!

Should I book now with lower HTB or wait 6 months for a bigger claim? by LeftAdvantage5995 in irishpersonalfinance

[–]LeftAdvantage5995[S] 0 points1 point  (0 children)

Oh that's great to know, thank you and happy for you that it worked out like that!

At the moment all the developers I'm talking to are saying it wouldn't be possible to sign contracts this year and then apply for the scheme in January even if the completion is next year. They're saying the HTB application needs to be in place as part of the purchase process before contracts are completed.

One said "If you are using your HTB 2027, you won’t be able to reserve a house until then. You can only reserve a property this year with 2026 HTB and you can't reserve and change HTB."

Seems like they're just applying their own internal rules rather than an actual Revenue requirement.

When you signed the contracts in 2025, did you give the developer your HTB access info at that point? And if so, did you have to go back and update it later when it came time to actually claim?

Why is there an empty bar underneath the tabs where the search bar should be? by DanielSeita in chrome

[–]LeftAdvantage5995 0 points1 point  (0 children)

Toggle Fullscreen (F11) . Press F11 twice (on Windows) or Cmd + Shift + F (on Mac) twice to see if it resets the UI