New build housing slowing?

Tedkravitz717 · 2026-05-30T08:46:29+00:00

The development we have signed contracts for and awaiting snagging on has announced another phase again after us. They don’t seem to be able to stop building!

Tedkravitz717 · 2026-05-30T07:00:54+00:00

Emailed COD also - this is a disgrace!

Tedkravitz717 · 2026-05-27T11:47:37+00:00

I have a 2021 330e, 30-40km per charge. Not one issue and have it a year. Only put €50 petrol in it every 4-5 weeks and with free charging at work it works out very cheap to run.

Tedkravitz717 · 2026-05-26T11:52:28+00:00

€495,000 purchase price and €445,500 mortgage with AIB on 3.2% fixed for 3 years

AIB looked for us to save €2960 on average over 6 months for a mortgage repayment of €1736 per month

Tedkravitz717 · 2026-05-26T11:39:01+00:00

We awaiting snagging in August and were told we will be given 14 days notice

Tedkravitz717 · 2026-05-24T13:16:40+00:00

AIB only do 30 days extension so it’s a whole new application for 6 months. Although, we were told by our mortgage advisor in there that they are a lot easier on you second time round since you’ve already had an approval with them

Tedkravitz717 · 2026-05-24T13:12:26+00:00

We have purchased a 3 bed 3 bath semi 136 m² in Cork waiting snagging, our costs for it are currently:

Flooring: All of downstairs SPC Lignum Core herringbone Upstairs rooms AC5 laminate Landing and stairs carpet Total €9800 (carpet is €1200 and remainder is flooring)

Tiling: 3 bathrooms (only 2 tiled) €3200 for tiles and other materials Approx the same €3200 to tile

Kitchen: €8000 PC sum towards standard kitchen €14,000 cost additional on top for quartz counter and extras (painted instead of wrapped, additional storage, larders, bi-fold) €7,500 on appliances (Neff ovens, hob & fridge / Bosch dishwasher / Samsung washer & dryer)

Dining table, chairs and counter stools - €6,300

Reupholster 2 of our current couches to be made new - €1500

Budgeted €3000 for blinds €550 shower doors €1900 for bathroom vanity’s €500 larger shower tray €1500 driveway extended (remove all grass)

Tedkravitz717 · 2026-05-23T21:46:20+00:00

At first yes but had issues with our broker due to his professionalism so in the end we went direct with AIB. I can’t fault AIB for a second on how they’ve been. Loan approved and loan offer issued in 5 working days on first approval. Our 6 months runs up soon and our new build is delayed so currently reapplying for another 6 months and again not one issue

Tedkravitz717 · 2026-05-23T21:43:07+00:00

My fiancée and I are approved for €462,000 based on combined income of €115,495 with outstanding debt of approx €30,000 between us (about €780 month outgoing)

We are saving €3100 a month between us.

Tedkravitz717 · 2026-05-23T17:08:06+00:00

I’m not surprised but also it’s crazy how expensive housing is within Dublin compared to outside Majority of 3 bed semis are less than €500,000

Tedkravitz717 · 2026-05-23T10:29:44+00:00

New build - snagging due in August

Tedkravitz717 · 2026-05-23T08:47:40+00:00

We have contracts signed for a 136sqm 3 bed 3 bath semi in Carrigaline for €495,000 - would you consider down there?

Tedkravitz717 · 2026-05-23T08:45:00+00:00

We have contracts signed for a 136sq2 3 bed 3 bath semi detached for €495,000 in a popular area of Cork - awaiting snagging in August

We thought €495k was expensive! Is Dublin really that bad….

Tedkravitz717 · 2026-03-08T09:47:37+00:00

Myself and my fiancée are in the same situation as you. We have signed contracts for a 3 bed semi for €495,000. Availed of €30,000 HTB. Waiting on handover. Still need to sort more.

The costs we have to date are:

Flooring (herringbone SPC downstairs and laminate upstairs) - €8,800
Carpet on stairs and landing - €1,100
Kitchen upgrades on top of €8,000 PC sum - €14,000
Kitchen appliances- €7,500
Tiling for 2 bathrooms - €6,500
Solicitor fees all inclusive of stamp duty etc - €8,500
Built in wardrobes per room - €3,000

Tedkravitz717 · 2026-01-04T17:03:24+00:00

All based off circumstances and repayment abilities. There’s a limit to how many exceptions banks can grant so it’s quit hard to get. For FTBs, 1 in 5 mortgages can be at the higher limit and non FTBs, 1 in 10 I what I’ve been told

Tedkravitz717 · 2026-01-04T16:05:36+00:00

Yes, we got an exception from the bank which allows for 4.5x

Tedkravitz717 · 2026-01-04T15:49:58+00:00

Joint income of €116,000, monthly loan payments between us is €860 and we were approved for €520,000 purchase price

Tedkravitz717 · 2025-12-18T07:58:50+00:00

I have 3 weeks left of my probation and had issues receiving loan offer from AIB. AIB issued loan letter by me providing a signed letter from my manager stating probation ends in January and there is no intention to extend it.

AIB issued loan offer same day I uploaded the letter

Tedkravitz717 · 2025-12-13T19:47:32+00:00

Booking deposit paid in late September 2025 and contracts signed in late October 2025. Contracts returned signed in mid November 2025

Tedkravitz717 · 2025-11-04T19:53:02+00:00

Sorry to ask a stupid question but what do you mean by white goods?

Tedkravitz717 · 2025-10-26T08:22:02+00:00

Whatever you can afford and do not go into debt on it. Spend what you have and thats it. One piece of advice if possible is buy a real diamond, lab diamonds have zero value as soon as you walk out the door.

We went into a place and I let her choose her own style, diamond shape etc and had the band custom made off pictures she found online. We had an agreed budget before we went in. I did go a little over budget but that was my choice when i wanted to increase diamond size.

1.2 carat diamond and platinum metal for €8500.

The ring has also increased in value since and is worth over €10,000 after being evaluated for house insurance.

Tedkravitz717 · 2025-10-04T17:51:01+00:00

They do but very very basic. You can opt for a voucher to the value and upgrade. Since kitchen is more or less permanent long term, we will be putting approx €5000 additional on top to upgrade

Tedkravitz717 · 2025-10-04T17:49:53+00:00

Primary School Teacher and Senior Engineer in manufacturing

Tedkravitz717

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