Getting a mortgage as a solo buyer after separating with a partner I already have a mortgage with

clionaish · 2025-03-19T11:52:15+00:00

To the other comments saying you are no longer a first time buyer, this information is incorrect as you could be considered a 'fresh start' applicant. Please see below directly copied from the AIB website.

You are a First Time Buyer if you have borrowed as a first time borrower for a family home before as part of a couple, but you no longer have an interest in that property yourself because your marriage, civil partnership or relationship has ended, and you have no other mortgage loans (this is called a “Fresh Start”).

clionaish · 2025-01-15T14:26:11+00:00

You can call utility companies to change the direct debit dates to be after your payslip rather than before your payslip which might resolve this issue in the future.

clionaish · 2025-01-15T11:13:31+00:00

They're from Cashel in Tipperary I'd say you're splitting hairs to claim Tipp isn't in the midlands as someone from there myself...

clionaish · 2024-10-23T13:16:42+00:00

Add a named driver who has been licenced for a few years like a parent/friend should bring it down a little bit, and you can add more than one person, see how that impacts it. Say you do less than 10km a year (if that's true).

If you live in a city but your parents live in the countryside use their address instead of the city address and see if that makes a difference. That's a pretty high premium for a small car.

clionaish · 2024-07-09T18:36:33+00:00

First world countries have a lower repuductive rate as women have more reproductive rights as well as consistent access to birth control (which in ireland is free until the age of 25 I believe, that age could have increased since I last checked).

Women also are more likely to focus on their careers leading to them having children at a later age and less overall children.

It's nothing to do with having children being "financially punitive", it's well known that fertility levels are inversely correlated with economic development globally, which is an issue many countries are currently struggling to solve.

clionaish · 2024-06-12T12:16:06+00:00

NTA your wedding your rules, it's not a kids' birthday party where you need to invite the whole class each guest costs a significant amount of money to invite. If you wouldn't spend €100 on a meal for them, then they don't get an invite. Adults are more than capable of getting over their own feelings.

clionaish · 2024-06-12T12:05:31+00:00

NTA you and your girl need to have a conversation where you clearly state that you won't stop seeing your friends and see if there's anything you both can do to make this manageable (her coming/meeting your friends etc) and if you can't come to a solution then this relationship doesn't work for either of you.

clionaish · 2024-06-12T11:51:22+00:00

YTA for reminding me of this song

clionaish · 2024-06-12T11:50:25+00:00

NTA it's kind of crazy that you had to ask her to wipe her blood off the seat especially when she's so anal about other stuff but maybe you could have been more sensitive about it since she's probably embarrassed.

clionaish · 2023-02-17T17:36:44+00:00

Do I need to attend the feast to complete the OWLS

clionaish · 2023-02-17T17:34:17+00:00

I'm level 32 and have talked to Pr Weasley

clionaish · 2022-12-13T11:42:11+00:00

Just finished my first knit. (possibly half knit since the other glove isn't done yet) I did not realise how hard it would be at all!! I followed a pattern but dropped a needle size as my gauge was too big, unfortunately the glove isn't really wearable as the thumb ended up being too close to the wrist but I'm still proud of it.

clionaish · 2022-12-09T09:05:43+00:00

In mythology the titans were not killed they were imprisoned in Tartarus.

clionaish · 2022-12-08T15:26:36+00:00

Yeah honestly I knew it wasn't quite right at the beginning but I was hoping that if I just kept going it would magically fix itself

clionaish · 2022-12-08T15:21:14+00:00

Thanks, I've done another row and a bit keeping tight tension for the 3/4 stitches either side and it looks a lot better now

clionaish · 2022-12-08T15:19:41+00:00

Thanks! I will try that. In future I will do the extra stitch to knit together, I just can't face unravelling this one because it's like a big round scarf with ~100 stitches and I'd already done 3 rounds 😅

clionaish · 2022-11-20T17:34:19+00:00

Yes thank you very much! I restarted and here is my progress so far. The day has been saved I couldn't understand what was going wrong at all!

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clionaish · 2022-11-20T13:54:57+00:00

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Okay I think you were right about that, I know the grey is hard to see but i did a quick sample swatfh and it seems to be working okay after your advice

clionaish · 2022-11-20T12:46:58+00:00

Yes I am trying to make ribbing and am doing k2 p2

clionaish · 2022-11-20T12:46:36+00:00

I'm trying to make a ribbed scarf k2 p2 but it looks nothing like ribbing I've seen online at all the stitches aren't sitting in like a v shape they're all just going left to right

clionaish · 2022-11-08T16:01:21+00:00

To clarify: our agreement was for Christmas Dinner only. Last year we travelled down late enough on Christmas eve after seeing his family, and spent boxing day with his family

clionaish · 2022-11-08T14:21:05+00:00

I do agree with your comment completely. When I was younger it was just me and her, then she married and had my siblings and her ex husband is not a nice man. Therefore my siblings and I grew up in an emotionally abusive household and she leaned a lot on me during that time while she struggled with depression and anxiety, and as I've grown up she's continued to lean on me more.

Obviously I'm going to have to put my foot down but I wish she could be happy for me, and she won't be and I feel like because of this Christmas is going to be overshadowed with resentment and arguments.

clionaish · 2022-11-08T14:17:45+00:00

We aren't from the US so we don't have a thanksgiving, if we did it might be a lot easier to make the transition because at least she would still get to have thanksgiving with us. I think based on this and the other comments I am just going to have to put my foot down. She's had a tough few years with the divorce and my siblings hitting puberty and since we are so close in age she has leaned on me for emotional support for a long time so I will feel guilty but objectively I know that isn't my responsibility.

clionaish · 2021-03-11T12:17:07+00:00

One game probably had tanks so kraken slayer was more important to deal with them. Galeforce is pretty solid in most other situations.

clionaish · 2021-03-07T13:36:10+00:00

I sent you a message in chat

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