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    Archived pages: 512 . Archive date: 2012-07.

  • Title: First Time Home Buyers Guide
    Descriptive info: Chapter 8: Insurance.. Insurance for home owners.. cont:.. Mortgage Repayment Protection Policy.. Also known as accident, sickness and redundancy insurance.. Mortgage repayment protection insurance will cover you if you are unable to work because of forced redundancy or ongoing sickness, for a specified time, such as 12 months, or until you return to work.. Generally, it will pay out a specified amount to cover your mortgage payments, although with some policies you can increase the insurance to cover other expenses, such as car finance, personal loans etc.. There are exclusions and lots of conditions with these policies, so check out what you are covered for before you take one out.. It s Important to Shop Around:.. While mortgage protection (life insurance) and house insurance (structural cover) are required by legislation for owner occupiers, you do not have to take this insurance out with your mortgage lender.. Banks and Building Societies are generally tied to one insurance company (often one they own), so  ...   about the types of insurance available.. It is very.. important to confirm with your broker or insurance provider exactly what you re covered for as coverage varies from one insurance company to another, and from policy to policy.. Make sure your insurance adviser outlines the reasons why they are recommending a type of insurance cover in writing (they are required to do this by the Financial Regulator).. Previous Page.. Next Page.. Contents Page.. Download the Full 127 Page Home Buyers Guide.. Search the Home Buyers Guide using Google:.. Download a Sample Chapter (free).. or instantly download the full 100+ page guide for 17.. Get a Mortgage Quote NOW.. Quotes from Mortgages Direct.. Low Cost Legal Fees.. For Home Buyers or Sellers.. 799 + vat + outlay.. House Surveys, Snags, BER.. Find a surveyor at surveyors.. ie.. Mortgage Quote.. Property Surveys.. Snag Lists.. BER Energy Ratings.. Property Guides.. Property News.. Home Buyers Guide 2009.. HOME BUYER WEBSITES:.. 2009.. Pay Per Click.. by.. PPC Ireland..

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  • Title: First Time Home Buyers Guide
    Descriptive info: Chapter 9: Tax Tax Relief.. First Time Buyers:.. As long as you are planning to buy your first home as your principle private residence (i.. e.. the home you are going to live in) the tax man is your friend.. You don t have to worry about stamp duty (as you re exempt from paying this tax), you can earn money tax free by renting out a spare bedroom in your new home and the tax man will even give you tax relief on your mortgage, which means that he ll pay cash into your bank account every month.. Stamp Duty:.. Stamp Duty is a tax the government charges on buying  ...   property investor would have to pay.. 12,250 stamp duty on a second hand property costing 300,000 a first time buyer pays nothing.. Please note:.. If you are buying a home with a partner, both of you have to be first time buyers in order to be exempt from paying.. stamp duty.. So if either of you currently or previously owned a home, you are liable to pay stamp duty at the standard.. owner occupier rates (outlined below).. First Time Buyers must use the property as their main residence for a period of two years to benefit from the.. exemption.. The stamp duty relief will be clawed back if this condition is broken..

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  • Title: First Time Home Buyers Guide
    Descriptive info: Rent A Room Scheme:.. First time buyers will often rent out spare bedrooms in their new home, to help pay the mortgage.. Traditionally, people who rented out spare rooms were liable to pay income tax on these earnings.. But in 2001, the government introduced the Rent a Room Scheme allowing home owners to rent out spare.. bedrooms in their principal private residence (i.. their home) to private tenants without having to pay tax on the.. earnings.. The rental income will be exempt from income tax, as long as the income does not exceed 10,000 per year -.. equivalent to 833.. 33 rental income per month.. The Small Print:.. Renting a room does not affect an individual's entitlement to mortgage interest relief or CGT exemption for a.. principal  ...   rent charged to a son or daughter for renting a room.. You are not covered by landlord legislation, so you do not have to register with the PRTB.. The tenants living in your home are not covered by a tenancy agreement.. They are only really entitled to reasonable notice, if you decide to end their tenancy.. While no tax is liable, you must include it in your annual tax return every October.. (a Form 12 form is available from revenue.. ie).. If you are planning to rent out a room, it makes sense to have a written agreement with your tenants outlining how long the rental period is, how much notice either you or they have to give to end the agreement, how often the rent is paid..

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  • Title: First Time Home Buyers Guide
    Descriptive info: Warning:.. If the rental income exceeds 10,000 per year, you have to pay tax on the full amount of the rental income.. In addition, there are Stamp Duty and Capital Gains Tax implications in this scenario, as you would be treated as a regular investor rather than an owner occupier.. Speak to a tax adviser for more advice.. Mortgage Interest Relief.. All owner occupiers.. (including first time buyers people trading up or down) can claim tax relief on the interest they pay on their mortgage.. The tax relief is maximized in the early years of home ownership.. You can claim relief on the.. interest element of the mortgage, up to a maximum of 10,000 for an individual or 20,000 for a couple.. 25% tax relief in years  ...   starts over, so you can claim a further 7 years on your next home.. The tax relief can add up to hundreds of euros every month and it will be paid directly into your bank account via your mortgage lender.. So how does it work in practice?.. Example:.. Lets say you took out a 300,000 mortgage over 35 years with an interest rate of 5% apr.. Your gross mortgage payment is 1514.. 06 per month (capital interest).. 270.. 20 is paid off your mortgage balance on average per month ( 3242.. 40 per annum).. 1243.. 86 is paid in interest on average per month (this works out at 14,926.. 36 per year)her you or they have to give to end the agreement, how often the rent is paid..

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  • Title: First Time Home Buyers Guide
    Descriptive info: Tax relief for a couple:.. 14,926.. 36 per annum is under the 20,000 ceiling, so relief is granted at on the full 14,926.. 36.. Year 1 2: Claim 25% of 14,926.. 36 = 3,734.. 09 per year or 311.. 17 on average per month.. Tax relief for an individual:.. 36 is above the 10,000 ceiling, so relief is granted on the maximum amount of 10,000.. Year 1 2: Claim 25% of 10,000 = 2,500 per year or 208.. 33 on average per month.. Because the relief is paid on the  ...   easy to claim this relief:.. Fill in some details online https://www.. revenue.. ie/trs/details.. jsp.. or print out a TRS1 form http://www.. ie/forms/trs1p.. pdf.. Owner Occupiers:.. The tax laws are not as friendly to existing home owners as they are to first time buyers.. While owner occupiers can claim mortgage interest relief at the same rate, ,they are liable to pay stamp duty.. Owner occupiers who currently or previously owned a home are liable to pay stamp duty on most second hand homes and on larger new homes (over 125 sq metres)..

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  • Title: First Time Home Buyers Guide
    Descriptive info: Property Investors.. There are four types of property taxes for property investors Stamp Duty, Tax on rental income, Capital Gains Tax, and Second Property Charge.. Property Investors pay Stamp Duty at the same rates as owner occupiers.. Stamp Duty Rates on Second Hand Property:.. Stamp Duty is calculated on a scaled basis.. No Stamp Duty is charged on the first 125,000, 7% is  ...   balance.. So for example, on a 700,000 property:.. No stamp on the first 125,000.. 7% on the balance of 575,000.. Total cost = 40,250.. On New Properties larger than 125 sq.. metres a reduced rate is charged for owner occupiers:.. The stamp duty is payable on the greater of:.. the site cost or 25% of the total cost (site cost + building costs)..

    Original link path: /guides/first-time-buyers-guide-99.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Chapter 10: Moving Home.. The day when you finally move home is typically the day when the stress levels go through the roof.. The key to reducing the stress on moving day is to be prepared (but let s face it, you won t remove it altogether).. The first thing you need to decide is whether you want to use a removals firm or do it yourself.. Moving yourself.. If you re renting a furnished apartment or house at the moment and don t have too much stuff to move, you can easily hire a van,  ...   on the size of van) and a few beers for your pals.. If you live at home with your parents, you may not even need to hire a van.. A couple of trips and you ll have moved in.. It s amazing how much stuff you can accumulate if you ve been renting for a few years so it s best to review all your possessions before you make your decision.. Have you stuff in the garden shed?.. What about stuff in your parent s home?.. How long will it take to physically move the stuff?..

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  • Title: First Time Home Buyers Guide
    Descriptive info: Moving Yourself.. If you decide to move yourself, book the biggest van you can.. If you have a standard driving licence you can drive panel vans and light trucks (3.. 5 Tonne Gross Class) such as a Ford Transit.. Generally speaking you need to have held a full unendorsed license for 24 months.. You ll probably need to make a few trips so moving yourself is really only practical if you are moving a fairly short distance.. Factor in the amount of trips you need to make.. Packing.. Start packing well in advance of the move.. Buy or hire  ...   makes the packing and the stacking of the boxes in the van easier.. The first thing to do is to pack items you won t need before the move.. Pack away large sections of your wardrobe (the clothing not the actual wardrobe!!), pack away the contents of the shed, and if you have any items stored in the attic, it s best to pack them away at this stage too.. Don t overload the boxes label them clearly with the contents which room it should go to.. Don t forget put an arrow to point out which way is up..

    Original link path: /guides/first-time-buyers-guide-103.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Who to inform:.. There s a huge list of companies and organisations you need to inform of your move.. I ve listed some people you will need to contact below, but I d suggest you do the following, to ensure you don t lose out on any post:.. 1.. In the lead up to the move, take a note of the regular bills and mail you receive.. View your credit card statement bank accounts for direct debits.. 2.. Use the change of address service at.. MyAddress.. It  ...   a redirection service for your post.. Prices range from 50 to redirect your post for 3 months to 100 for 12 months redirection within Ireland.. Download details an application form.. 4.. Send change of address cards to friends and family.. Transferring services:.. If you are renting at present (or selling one home and moving to another), you need to make sure you inform your utility companies, such as Gas and Electricity of your move.. They will need to read your meters on the day you re moving out..

    Original link path: /guides/first-time-buyers-guide-104.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Who to inform checklist:..

    Original link path: /guides/first-time-buyers-guide-105.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Moving Countdown Checklist:.. Four weeks before.. Make a list of anyone who sends you post.. Plan your moving budget.. Place legal, medical and insurance records in a safe and accessible place.. Clean out cupboards and attic.. Throw out anything you don t want or donate unwanted items to.. charity.. Decide which appliances you want to keep.. Are they too old, too big and will they match your  ...   Make a list of items to be moved.. Call a moving company or make truck rental reservations.. Gather moving supplies boxes, tape, rope etc.. Use up your frozen foods.. Notify the post office, banks, mobile phone company and other companies who send you post of your.. date of moving.. Check your home insurance.. If you have paid in advance you should get a refund for any unused.. time..

    Original link path: /guides/first-time-buyers-guide-106.asp
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  • Archived pages: 512