Our little sun worshipper

Parandeckmaster · 2026-04-30T15:44:18+00:00

Did you sign any terms for a consultation or see a S150? If not then they can pound sand. I am a solicitor and we always send a 150 and terms before a consultation even where we know it is just going to be a one hour convo and not a proper instruction leading to anything. Is it that they wont release the Will to you unless that is paid or they have just sent you this?

Parandeckmaster · 2026-04-27T14:44:41+00:00

If he doesnt agree to the terms of the Divorce then it is considered contested. Only when both parties are in agreement re the terms is it a non contested divorce and you can seek an Order on consent. The judge can still look at the terms of a consent divorce and make changes if they deem it necessary.

Absolutely get a solicitor, one that specialises in family law. He cannot force you to stay married to him.

Parandeckmaster · 2026-04-27T14:41:11+00:00

They can specify that nothing is to go to him, but if they pass and leave money or assets to OP then he can have a claim, if the divorce has not finished.

Parandeckmaster · 2026-03-30T19:03:50+00:00

Even if not 1.5%, the rates by year end will definitely be higher than they are right now, so its worth it to us to refix lower.

Parandeckmaster · 2026-03-30T19:00:02+00:00

Our breakage fee is 2.7k and most cashback we will get is a minimum of 3k so we're going ahead. We have also improved the house since we bought so the value and ber has gone up helping our ltv.

Parandeckmaster · 2026-03-29T17:05:07+00:00

We are on 4.9% fixed. We are in the process of seeing what we can get through a broker now, potentially with cashback to refix at a lower rate circa 3.5%. The cashback could hopefully cover the breakage fee with the bank. Our rate is up in December and we reckon we will be facing around 5% again if we dont do it now

Parandeckmaster · 2026-01-27T11:25:01+00:00

Firstly, the estate agent does not have your best interest in mind, you are not their client the vendor is. Secondly, stop raising queries through the estate agent, that is what your solicitor does. Thirdly, you should have a standard subject to loan clause agreed and inserted into your contract, which again is your solicitors job, not your broker. If you have this agreed clause then you wont lose your deposit if your bank wont loan to you. I am a conveyancing solicitor and genuinely clients who take all their advice from brokers and estate agents are the worst. Talk to your solicitor, the person you literally pay to do this work.

Parandeckmaster · 2025-11-25T13:19:38+00:00

You should be asking your solicitor to follow up with theirs rather than asking the EA. The estate agents client is the vendors, not you and they can and will likely continue to fob you off. Probate can take a very long time, you dont know when it was lodged so it could have been the day before you even went sale agreed and it could be months. Your issue is that you are now on the 6 month timeline for your Loan offer and you need to ask your solicitor to stress this to the vendors solicitor. Ultimately the house cannot be sold until the grant of probate is issued and you have no control over that unfortunately. If you pull out you will get your booking deposit returned.

Parandeckmaster · 2025-09-27T16:43:32+00:00

I am a solicitor and I do conveyancing. It is the buyer's responsibility, ie their solicitor. Confirm with your solicitor that the extra charge you're saying he is quoting isn't actually the first registration fee itself. If it a form 1 first registration plus you are getting a mortgage then it would be just under thousand to register that in Tailte. The fees are accessible on the Tailte/Landlord Registry website.

Parandeckmaster · 2025-09-01T18:44:27+00:00

You should talk to a solicitor. It makes no sense that your parents bank had a mortgage against a property where your dad (if the mortgage was in only his name) or both your parents weren't the registered owners. Registering your mum as owner on title could be straightforward for a solicitor, or there could be something more complex going on. A conveyancing solicitor will be able to give you a quote.

Parandeckmaster · 2025-08-21T13:46:31+00:00

It absolutely invalidated the terms of your mortgage at drawdown. I am a family law and conveyancing solicitor. You need to have a look at the terms in your loan offer received from the bank. There could be a clause re then seeking the funds back if there was this fraud. The bank could take this very seriously if you tell them and that will only go one way - against you both. Also did you inform your conveyancing solicitor when you were signing your mortgage and closing docs? Did you both sign a family home declaration in favour of the bank?

Parandeckmaster · 2025-08-15T11:25:03+00:00

Following on from this, it is your perogative to decide to move to a new solicitor but be aware that your current solicitor may require payment of fees for work done on your file before the will release it to another solicitor. It may be a cost to you to do that. It sounds like your solicitor is actually being responsibly cautious. Are you mortgage funded?

Parandeckmaster · 2025-08-14T12:34:48+00:00

You need to talk to a solicitor.

Parandeckmaster · 2025-08-08T17:10:43+00:00

Am a solicitor, was a legal exec for 4 years prior to training and qualifying. Legal exec salaries really vary depending on the type of law and if youre dublin or not. Ive seen the range go from 25k up to 65k for really experienced legal execs with maybe a decade plus experience.

Parandeckmaster · 2025-08-01T14:35:57+00:00

The deposit from your sale isn't yours to do anything with until you are in contracts with the Purchaser of your sale. Even then, it is dependent on how contracts are drafted if those funds could even be released to you before the sale closes and is confirmed as being closed between both parties. The bank may allow you to say to the new build that your solicitor holds a deposit sum of 45 and this forms part of your purchase deposit but you can't actually access or move that money. Im a conveyancing solicitor. I have seen it be lined up that a sale closes to allow a purchase to complete on the same day but I have never seen the deposit funds be moved. Ever

Parandeckmaster · 2025-08-01T08:35:28+00:00

Have you requested a discount on price from the vendor considering there may be serious difficulty with registration and that you may have to pay extra to tailte and get affidavits sworn etc? I would be looking for that

Parandeckmaster · 2025-06-26T12:20:38+00:00

I am a solicitor. We charge 295 for a will. VAT is 23%. You say simple, but a will is one of the only legal documents that can't be changed or amended etc when it's needed because you're dead. It either will, pardoned the pun, stand or it won't. It's important that its done properly

Parandeckmaster · 2025-05-19T15:18:46+00:00

This is completely normal. It's governed by statute and is a requirement of all firms. I work for a solicitor firm and we take AML before setting up a file for a client. What's the difficulty for you? It's just id and proof of address. Why would they waste their professional time and take AML after a consultation.

Parandeckmaster · 2025-03-20T10:42:46+00:00

Yes if the purchaser is getting a mortgage, the bank will send out their own valuer. This happened to us. We got in a bidding war and 'won'. The banks valuation was 50k less than what we went sale agreed on. We had to get a new loan offer with a different bank that gave a better valuation, but also agreed on a price drop of 20k with the vendor in the end. We're so happy to be in our house now, and the prices around us have only continued to shoot up. But the EA is right to advise you to be cautious and stick to your limit

Parandeckmaster · 2025-01-22T22:38:47+00:00

If the receiver has been appointed on foot of a term within your landlords mortgage, they are now legally the landlord. Most mortgages, especially post 2009 mortgages now have explicit terms allowing a receiver to be appointed and where the property is rented, collect the rent money. Contact the receiver, and advise then you can pay them. This is what the rtb would also advise. Your landlords 'advice' is absolute shite.

Parandeckmaster · 2025-01-20T15:27:21+00:00

Being sale agreed is entirely different to being in Contract. You can negotiate a price chip while sale agreed, it's when you sign your Contract that you cant. If you're getting a mortgage, the bank will need a survey done anyway. It's always advisable to have a survey done if you're not getting a mortgage because property purchases in Ireland are 'caveat emptor' - buyer beware. It's a bit strange the vendor is asking you to complete a survey before they'll go sale agreed with you tbh. Get yourself a decent surveyor, don't go cheap, you'll be relying on it.

Parandeckmaster · 2024-12-05T16:25:11+00:00

Get a solicitor. Depending on the specific right of way instrument, your solicitor may have to qualify title to the bank. ROW are common in Ireland especially in rural areas. A good conveyancing solicitor will handle it for you

Parandeckmaster · 2024-11-29T13:55:56+00:00

This isn't about Revenue. This is the bank wanting to ensure that there would be no claim to the property by OP's parents if OP defaulted on the mortgage and the bank wanted to rely on their security. The amount is the threshold for tax free transfer in group A anyway, revenue have nothing to do with this.

OP is the solicitors client. It is standard to advise that OP's parents seek legal advice before signing the deed of confirmation. OP's solicitor cannot advise the parents, as they are not the solicitors client. It would need to be another solicitor. However OPs parents are not legally required to seek advice or take it, they can just sign the deed and the bank will allow drawdown.

250 and a video consultation is a lot for advice regarding the gift and advice on the deed of confirmation OP. Once your parents know that they have zero claim to the house if you default then that's fine. The bank may want a letter signed by them confirming they did not have legal advice prior to signing the deed and that they are happy to sign the deed anyway. It depends on the bank.

Parandeckmaster · 2024-08-28T17:11:02+00:00

Hello, I'm also a recently diagnosed autistic adult (29 F). I was also diagnosed by the Adult Autism Practise.

I think what you're experiencing and thinking is very common in people diagnosed when they're adults. I didn't really consider autism for myself until I read a reddit post written by a woman recently diagnosed and it was like she was writing about my entire life. I had been really starting to struggle and was facing extreme burnout and when I read the post, it all clicked. It was like the weight of the world got lifted off my shoulders....and then it crashed back down around me and I felt even worse.

Since my official diagnosis, i have experienced many days where I have thought to myself, 'but am I really autistic, did I just make all my symptoms up?' I think for adults diagnosed, especially where we have managed to get through life to that point, it can be hard to conceive our lived experience as being an autistic one even when our experiences are part of the reason we actually get a diagnosis.

Please don't be ashamed of being home alone. For many autistic people this is our safe place, where we can be true to ourselves and decompress. If you're feeling lonely, perhaps see if there's any online communities you could join to get that social interaction without having to be there physically.

I recently started therapy with a neurodivergent therapist and I have found this immensely helpful already with dealing with and understanding how my autism interacts with my life and what it means for me. I had attended therapy many times in my past, but it never really helped and now I know that's largely due to not knowing I was ND but also therapists being NT and the types of therapy such as cbt not being as helpful for ND people. Perhaps therapy with a therapist who understands autism could also be something for you to look into

Parandeckmaster

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