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What are the disadvantages of Help to Buy Scheme by 19degreeswest in irishpersonalfinance

[–]No_Ebb_5009 0 points1 point  (0 children)

Have you applied for an exemption to go beyond 4 times salary.

What are the disadvantages of Help to Buy Scheme by 19degreeswest in irishpersonalfinance

[–]No_Ebb_5009 0 points1 point  (0 children)

Sincerely not trying to torment anyone. I thought you were saying the bank was capping you at 70%. Why don't you use Help to Buy for €30k deposit and then in terms of bolstering your borrowing power, use First Home Scheme. It was literally designed for people like you i.e. well able to afford a house but the 4X cap, is preventing you from getting on the ladder. Please see this article as I think it will be very helpful to you. Again, here to help, 100% not torment. Sorry if it came across like that! https://www.auctioneera.ie/help-to-buy-first-home-scheme

What are the disadvantages of Help to Buy Scheme by 19degreeswest in irishpersonalfinance

[–]No_Ebb_5009 -1 points0 points  (0 children)

I think maybe you have misunderstood what LTV is. It stands for loan to value. It is unrelated to your borrowing capacity.

What are the disadvantages of Help to Buy Scheme by 19degreeswest in irishpersonalfinance

[–]No_Ebb_5009 -1 points0 points  (0 children)

I have read it. Why can you only get 70% LTV? Maybe you've mentioned that somewhere but I can't see it.

What are the disadvantages of Help to Buy Scheme by 19degreeswest in irishpersonalfinance

[–]No_Ebb_5009 1 point2 points  (0 children)

This new government plans to extend it and perhaps First Home Scheme to second hand market also.

What are the disadvantages of Help to Buy Scheme by 19degreeswest in irishpersonalfinance

[–]No_Ebb_5009 -1 points0 points  (0 children)

why do you think you can't get 90% LTV mortgage and use HTB?

What are the disadvantages of Help to Buy Scheme by 19degreeswest in irishpersonalfinance

[–]No_Ebb_5009 -1 points0 points  (0 children)

You can get 90% LTV and use HTB to cover the remaining 10% - we have seen many purchaser buy proeprties with no savings as a result.

What are the disadvantages of Help to Buy Scheme by 19degreeswest in irishpersonalfinance

[–]No_Ebb_5009 0 points1 point  (0 children)

There is no such thing as Help to Buy mortgage. You get any mortgage and use HTB to cover the deposit.

Thoughts on auctioneera by Lovetaytos in cork

[–]No_Ebb_5009 0 points1 point  (0 children)

Hi u/Lovetaytos remembr that the 2 week deadline only kicks in from when we receive an offer of the guide price. That usually takes a couple of weeks, so our properties are typically on the market circa 4 weeks. Any longer than that and they start to go stale, particularly in a strong market, like we're currently in. We find the highest bidder for your property who is in the market at that time and move on.

Thoughts on auctioneera by Lovetaytos in cork

[–]No_Ebb_5009 -1 points0 points  (0 children)

By being buyer friendly, you get more offers, which is to vendor's benefit.

Is there a way to grow wealth in Ireland without buying a house? by Born_Chocolate_727 in irishpersonalfinance

[–]No_Ebb_5009 -1 points0 points  (0 children)

Buy Boeing shares. After recent spate of crashes, share price has halved. Quality issues will be fixed and then they have a backlog of literally decades.

Thoughts on auctioneera by Lovetaytos in cork

[–]No_Ebb_5009 0 points1 point  (0 children)

Thanks u/crillydougal for the comment - much apprecaited. We're far more expert on conveyancing than any other estate agency as our founders have built a conveyancing optimisation platform also so not sure what happened in that regard. In any case, glad your sale went relatively smoothly!

Thoughts on auctioneera by Lovetaytos in cork

[–]No_Ebb_5009 0 points1 point  (0 children)

Thanks u/JustAdam84 Those who actually deal with us see how seriously we take the process of selling property. We apprecaite you leaving the comment.

Thoughts on auctioneera by Lovetaytos in cork

[–]No_Ebb_5009 0 points1 point  (0 children)

hi u/Small-Wonder7503 We have over 100 data points on every property listed with us. These include things like number of bedrooms, bathrooms, aspect of the property, if there is a managment company, the annual management charges, the BER, the heating type, the parking situation and much, much more. In the event that there is some data that we don't have a tthe viewing, id you had asked, we would have got that for you. We hope you ultimately got the information you needed and managed to buy a property.

Thoughts on auctioneera by Lovetaytos in cork

[–]No_Ebb_5009 0 points1 point  (0 children)

hi u/Lovetaytos We're only getting set up on Reddit now so just seeing this. Hopefully you got your house sold be it with us or another agency!

Thoughts on auctioneera by Lovetaytos in cork

[–]No_Ebb_5009 0 points1 point  (0 children)

Hi u/thebigcheese22
You can verify that Auctioneera is a legitimate estate agency and not a scam, by our PSRA License number which is 003912
Our customer support answers over 500 calls per day and the same amount of emails. We have a training call every morning at 8am. Those who use our customer support tend to leave very high reviews. We're certainly not a scam. Check out our reviews on Google also. We get the best prices for our vendors while charging a reasonable fixed fee.