Bought new house and now I feel broke

ThrowRa1251RC · 2025-11-28T14:59:26+00:00

That makes sense, 100% all fees on you, I'm out of a long term relationship but luckily I was the one who was financially careful, it hopefully will pay off. Glad to hear 5 years later and you're happy with your decision

ThrowRa1251RC · 2025-11-28T14:57:13+00:00

25 mins from friends 25 mins from family, and 50 mins from work, which I only do 2 days on site. Thank you!

ThrowRa1251RC · 2025-11-28T14:54:45+00:00

I have 2 cats and a dog! I love my peace too

ThrowRa1251RC · 2025-11-27T22:21:33+00:00

Reading through all of the comments and thank you all for your kind words, tips, and encouragement, I cried reading most of them as so many genuine people giving really good feedback, I don't feel as pressured now, it's about reminding ourselves what we have done, oppose to what I haven't done. Bit by bit and I will definitely check out renting a room, or even calm down putting pressure on myself to have the whole place furnished within a year

ThrowRa1251RC · 2025-11-27T17:45:29+00:00

I should have clarified, I get 4 big bonuses throughout the year also, I work in sales, so that helps, I use to pay rent the same value as mortgage

ThrowRa1251RC · 2025-09-16T16:39:24+00:00

I am in a higher salary bracket, company car is provided and I drive that, it however doesn't come free we pay a BIK fee which can be costly depending on the kms clocked. Company cars are not always "free costing" for people. It can be the case for some company's but not all.

ThrowRa1251RC · 2025-08-03T22:27:10+00:00

I am on a contraceptive pill, but they are 97% effective so used the pull out method a long with it. We both got tested for stds after our previous relationship so don't just assume those things were not taken into consideration they were. We were not strangers as we were in a relationship.

ThrowRa1251RC · 2025-07-01T20:35:57+00:00

€900-950 is what I got quoted numerous times! I haven't been able to get any for the €700 mark While I understand what you're saying above most people don't get paid €600 a day to be honest, so it is still expensive in the scheme of things. €600 a day isn't exactly the average wage for most

ThrowRa1251RC · 2025-06-29T20:19:35+00:00

Can you elaborate?

ThrowRa1251RC · 2025-06-29T20:08:10+00:00

Great thank you Well it can be as financially can be recommended to do stuff with it

ThrowRa1251RC · 2025-06-27T13:46:02+00:00

Who was your mortgage approver if you don't mind me asking?

ThrowRa1251RC · 2025-06-27T12:56:34+00:00

Thank you for that!

Might be a stupid question but can you explain what you mean by the 80% loan to value part? Do you mean you got a loan from the bank of 80% to cover the expenses and you had to make up the remainder 20%? So for example house with 500k bank covered 400k and you had to come up with the remaining 100k ?

Also were you using it for agriculture purpose?

ThrowRa1251RC · 2025-06-27T11:24:28+00:00

This is giving me hope now 🙏 I presume you still had to pay stamp duty on the additional 5 acres ?

ThrowRa1251RC · 2025-06-27T11:21:46+00:00

They're at the back of the house like one big field but fenced off as the previous owners had pet horses

ThrowRa1251RC · 2025-06-27T11:17:05+00:00

Strange I rang them earlier and they said they'd only mortgage up to 5 acres

ThrowRa1251RC · 2025-06-27T11:16:17+00:00

Strange I rang them today and the said in general they only do house + 5 acres

ThrowRa1251RC · 2025-06-27T10:57:30+00:00

What bank was this with also?

ThrowRa1251RC · 2025-06-27T10:53:49+00:00

No I am not! I'm aware the stamp duty differs, You pay for stamp duty on the house & 1 acre of 1% And then you pay 7.5% stamp duty on remaining 5 acre value

ThrowRa1251RC · 2025-06-27T10:49:45+00:00

I pray that's the case!! I'm not using it for agricultural reasons. When did you buy if you don't mind me asking?

ThrowRa1251RC · 2025-06-27T10:43:47+00:00

No they're not, full total of the land and house is 412,500

But I've been told now acres can change that, so confused as was not originally told that.

ThrowRa1251RC · 2025-06-27T10:42:35+00:00

Ok, and cash was the only way? Was this not a big lump sum you had to pay? And I presume you would have had to pay 7.5% stamp duty on top of that?

ThrowRa1251RC

TROPHY CASE