www.archive-ie-2012.com » IE » M » MOVING

Choose link from "Titles, links and description words view":

Or switch to "Titles and links view".

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

  • Title: Buying Investment property in the UK - an Irish perspective
    Descriptive info: Buying Investment Property in the UK - The Basics.. Investment Property Mortgage / Finance:.. Borrow up to 80% of the purchase price (in sterling) from selected Irish Lenders.. Or borrow 100% + costs by freeing up equity in your existing property.. Pro's of Buying UK Property Investment:.. Lower entry costs than buying in Ireland, due to the lower property prices.. Lower Stamp Duty Costs.. Taxation agreements in place between Ireland UK so that you will not be 'double taxed' on the investment.. The common language and the geographical closeness of the UK (and low cost airline tickets), makes it easier to visit the property if necessary.. Your rental income should service part or all of your mortgage.. Con's of Property Investment in The UK:.. You will have to hire an agent to find you tenants and manage the property.. Establish your Investment Goals:.. How long are you planning on keeping the property.. Are you looking for capital appreciation or an income from the property (or both)?.. Will the rental income service the loan.. Factors Affecting Potential Growth:.. Macro Influences - The state of the economy, number of properties coming on the market,.. employment levels pay levels, demographics (such as age profiles, movements of population etc).. Micro Influences - These are  ...   of property.. Ease of renting (are there local hospitals, industrial estates or business parks etc where your targeted tenants work?.. Will the rent service the mortgage (or at least a significant portion of it)?.. Upfront Costs:.. Deposit of 20% minimum (unless you release equity from your existing property).. Stamp Duty.. Legal Fees.. Surveyors Report.. Refurbishment costs / furnishing costs.. Ongoing Costs:.. Mortgage Payments.. Insurance costs (house insurance mortgage protection).. Management fee (apartment complexes).. Rental / Management fee (if you use an agent).. 'Downtime' - allow up to 2 months per year when the property is not rented.. Tax.. Maintenance.. What's Required for Mortgage Approval:.. Income Details - P60, pay slips, Salary Cert (or accounts for self employed).. Banking Details - Mortgage, Loan current account statements.. I.. D.. - Passport / Driving License, Original Utility Bill.. 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..

    Original link path: /Guides/uk.asp
    Open archive

  • Title: Buying Investment property in the UK - an Irish perspective
    Descriptive info: Guide to taxation for Landlords - source Silver Levene.. Tax Tips.. Records should be kept of all expenditure incurred in connection with the letting.. The following expenses can be deducted when working out the profit on which you will pay tax:.. Advertising your property Accountancy fees for preparing rental income accounts Interest paid on any loan used to acquire or improve the property Insurance of both the property and its contents, if it is let furnished Legal fees in respect of disputes with tenants Gas, Electric, Telephone, Water Rates, Council Tax bills paid by the landlord Other services provided by the landlord such as gardening, cleaning etc.. If the property is let furnished an allowance is made for the cost of the furnishings.. This is either the actual cost of replacements each year or 10% of the annual rental income.. Liability to United Kingdom Income Tax.. Rental Income is taxable as unearned income assessed under Schedule A.. National Insurance Contributions are not payable on rental income and it does not qualify as earnings for pension purposes.. Landlords should declare the income on their annual tax returns.. If a Landlord has not previously received a tax return the Inland Revenue should be notified if their rental income gives rise to a liability to tax.. Financial penalties and interest can be charged by the Inland Revenue for failure to complete tax returns.. Non-UK resident landlords are also liable to UK income tax on income from properties within the UK and must file a UK Tax Return.. The letting agent, or if no agent is acting, the tenant, must deduct basic rate tax (currently 22%) at source and pay this over to the Inland Revenue.. This obligation is removed if the landlord registers with the Inland Revenue under the Non-Resident Landlord Scheme and a tax exemption certificate is issued to the agent.. A  ...   pay UK income tax on rents from properties in the UK.. Where Estate or Letting Agents collect rents, the Inland Revenue holds them responsible for tax liability arising in connection with that letting, unless the Landlord has received a tax exemption certificate from the Inland Revenue to receive rents without tax deducted.. A tax exemption certificate can be obtained by completing Form NRL 1 2 or 3, which is available from our negotiators and sending the form to the relevant Inland Revenue office.. If a Non-resident Landlord collects their own rent, the Tenant is responsible for paying tax on the rent to the Inland Revenue quarterly.. Therefore the Tenant is entitled to deduct tax from the rent at the prevailing basic rate, unless the Landlord has received permission from the Inland Revenue to receive rents without tax deduction.. The Landlord must provide the Tenant with a copy of the Inland Revenue s exemption certificate.. Any tax paid to the Inland Revenue on the Landlord s behalf is held as a tax credit against the Landlord s final tax liability as determined under Self-Assessment.. A Client s tax communications for the year must be dealt with by their Accountants, as we cannot undertake to do this on their behalf.. This information is provided by Silver Levene, Chartered Certified Accountants who can be visited at.. www.. silverlevene.. co.. uk.. (site currently being redelevoped).. If you require any further information on the taxation of rental income you can contact Sophie Adair on 020 7383 3200 or.. sophie.. adair@silverlevene.. uk.. This information relates to lettings of UK property only and is based on Inland Revenue regulations extant at 30 April 2000 and is subject to change.. Silver Levene accept no responsibility for any action taken or not taken on the basis of this information.. Please also read.. Information on double taxation.. (link to TaxIreland.. ie)..

    Original link path: /Guides/tax_uk.asp
    Open archive

  • Title: UK Mortgages for Irish Investors
    Descriptive info: UK Investment Mortgage Options:.. UK rates tend to be higher than Irish / EU rates.. Repayment Mortgage (annuity mortgage):.. Interest and capital repayments each month.. At the end of the term, your mortgage will be paid off, and you will own the investment property in full.. Apply for a quote.. Interest only mortgage facility:.. Designed purely with the property investor in mind.. The mortgage interest is serviced but no repayments are made towards the capital borrowed.. Can be converted to a standard repayment mortgage at a later stage with no penalties or legal fees (some minor admin fees may be involved).. This product is aimed at the investor who wants to buy property for capital appreciation purposes, while keeping the mortgage repayments low.. It suits a property purchase where the initial rent is too low to fully service a standard repayment mortgage, because the mortgage repayments will be kept low as  ...   your investment aim, you can keep the mortgage on an interest only basis almost indefinitely.. Then when it comes to selling the property, you profit from any increase in the property value, and repay the mortgage amount you borrowed.. Apply for a quote.. Pension Mortgage.. Very tax efficient way of buying investment property, but it is not suitable for everyone.. The pension mortgage is made up of two parts - a mortgage and a pension.. The mortgage is set up on an interest only basis, thus keeping your mortgage interest relief at a high level for the term of the whole mortgage, and a pension is set up, to pay off the mortgage amount, out of your tax free lump sum, when you retire.. Who does this product suit? This mortgage type is only suitable for self-employed people, owner directors or those who are not already in a company pension scheme..

    Original link path: /Guides/uk_investment_mortgages.asp
    Open archive

  • Title: UK Property Market Analysis
    Descriptive info: Buying Investment Property in the UK - market analysis.. Visit these sites:.. UpMyStreet.. - Great site, showing property prices by area (both current historically).. 4homes - finding an up and coming area.. 4homes - Area Guides.. BBC - UK Price Guide..

    Original link path: /Guides/property_market_analysis_uk.asp
    Open archive

  • Title: Buying property in Spain - a guide for Irish investors
    Descriptive info: Buying Property in Spain - the basics:.. Buying Process.. Costs.. Terms explained.. Things to do when you move in.. Mortgage Approval.. Buying Property in Spain - the process:.. (back to top).. 1.. Research the area.. There are lots of companies selling Spanish Property.. Firstly, we recommend that you do a bit of research on the area where you are considering buying.. If you are going to spend hundreds of thousands of euros buying a home, spend a few euros first and research the topic.. Click here for books on buying property in Spain (from Amazon).. 2.. Put together a checklist of what you want -.. e.. near to golf courses, close to the beach, number of bedrooms etc.. 3.. Find a Property.. Many Estate Agents offer subsidised inspection flights so you can view some properties and check out the local area.. 4.. Get a Structural Survey.. Most people buying property in Ireland get a structural survey to insure that the property in in good shape.. It is advisable to do the same when you are buying a second hand property in Spain (or elsewhere).. 5.. The conveyancing system is very different to the system of buying in Ireland.. In general, it is possible to make similar 'searches' or enquiries to those we make when you buy a property in Ireland.. But, it is important to note that The Spanish Notary Public who you sign the legal documents and land transfers in the presence of is NOT there to give legal advice to either the buyer or the seller, but is only there to witness the signatures and to deal with certain administration functions.. It is therefore very important to get independent legal advice which can usually be arranged through your estate agent.. 6.. Get legal advice (on whose name you should purchase the property in).. There are a number of options open to you, each with advantages and disadvantages.. It is very important to look at these options (in conjunction with looking at your existing will, and probably getting a Spanish will).. The potential tax savings of setting it up properly at this stage are huge down the line as the Spanish system of Inheritance tax can attract very high rates of tax.. If you gain nothing else from this guide, please take note of this.. The options for purchasing the home are:.. Buying the property in your own name.. In joint names with your partner.. In your children's names who will eventually inherit the property.. In the name of a limited company.. By way of a Family Trust.. Info on Double Taxation Agreements.. (TaxIreland.. This guide is general.. There is no substitution for legal advice.. We suggest that you get legal advice so that you can buy the property in the most tax efficient way.. 7.. Finance.. Mortgages can be arranged through some Irish lenders or through a local Spanish lender.. Getting finance by way of re-financing your existing mortgage can allow you to borrow enough to cover 100% of the purchase price, all fees and additional costs such as buying furniture.. Because Ireland and Spain are both members of the Euro, there are no currency fluctuation problems to worry about.. Generally speaking, local lenders will lend 60 - 70% of the property price.. Arrange up to 100% finance for your overseas property, by refinancing your Irish Property.. What costs are involved?.. Preparation of the Escritura by the Notary - Approx.. 50..  ...   to your existing title deeds.. Terms:.. Escritura.. This is the title document containing a detailed description of the property, showing the ownership of the property.. Under Spanish law you need to sign the Escritura in front of a Spanish Notary Public.. Fiscal Representative.. If you are buying a home in Spain as an investment or holiday home rather than living there all year round, it is a good idea to nominate someone to act as your 'Fiscal Representative'.. This person will receive any correspondence from the tax authorities.. The fiscal representative has to be a resident of Spain - but it's up to you who to choose - a friend, tax adviser or lawyer.. Gestor.. A 'gestor' is a local who can look after the paperwork you need to fill out when you own a property in Spain.. For example, you will need the utility services such as water, electricity etc transferred into your name and will have to register for local rates, taxes and open a Spanish bank account.. The 'gestor' can look after filling out the forms.. This is not a bad idea particularly if your Spanish is not fluent.. Apart from anything else, when you buy a holiday home the last thing you want to do is spend days or weeks filling out forms.. Notary.. The legal system in Spain is different than the system in Ireland.. In Ireland, you use a solicitor who looks after your interests in the deal.. The Notary is a public official who neither works for the vendor nor the buyer, but whose function is to record the fact that the title deed showing the sale purchase of the property has been signed in front of him and that it is understood by both sides.. NIE.. To buy a property in Spain, you have to register with the Spanish tax authorities.. They will allot you a foreigners identification number called an NIE.. Now that you have bought the property - what else do you have to do?.. If you are buying the property in Spain as a holiday home or as an investment (or if you spend less than 183 days a year in Spain) you are considered a non-resident.. You will have to:.. Appoint a fiscal representative in Spain.. Make a Spanish Income tax declaration and pay tax on any income you earn in Spain.. Pay local rates.. Make a declaration of all your capital assets in Spain and pay wealth tax on them if necessary.. Pay utility bills (direct debits through your bank may be the best idea).. If you are planning to live or work in Spain, you will have to consider:.. Apply for work permit or permits to open a business.. Import your car, furniture etc.. Arrange for your pension to be paid in Spain.. Whether you're planning to live there all year round or not it may be worth joining The Institute of Foreign Property Owners at approx 50 per year.. (They can also arrange to act as your Fiscal Representative in Spain) Telephone: +34 65 84 2312 Fax: +34 65 84 1589.. The way most people raise finance for an overseas property, is by refinancing their Irish Property - assuming that you have enough equity in your Irish property, this could allow you to borrow 100% of the property price + additional funds for the costs you incur such as your property taxes legal fees etc.. Apply for approval..

    Original link path: /Guides/spain.asp
    Open archive

  • Title: Guide for Irish people buying property in Portugal
    Descriptive info: Buying Property in Portugal - the basics.. There are lots of companies selling property in Portugal.. If you are going to spend hundreds of thousands of euros on a property, why not spend a couple of euros researching the topic.. Click here for books on buying property in Portugal.. (From Amazon).. near to golf courses, close to the beach or city, number of bedrooms etc.. It is advisable to do the same when you are buying a second hand property in Portugal (or elsewhere).. The conveyancing system.. is very different to the system of buying in Ireland.. But, it is important to note that The Portuguese 'Notary Public' who you sign the legal documents and land transfers in the presence of is NOT there to give legal advice to either the buyer or the seller, but is only there to witness the signatures and to deal with certain administration functions.. Get legal advice.. (on whose name you should purchase the property in).. It is very important to look at these options (in conjunction with looking at your existing will, and consider getting a Portuguese will).. The potential tax savings of setting it up properly at this stage are huge down the line as the Portuguese system of Inheritance tax can attract very high rates of tax.. In the name of a limited company - Irish, Portuguese or an 'off shore' company.. There is no substitution for legal advice.. We suggest that you get legal advice so that you can buy the property in the most tax efficient way.. Mortgages can be arranged through some Irish lenders or through a local Portuguese lender.. Because Ireland and Portugal are both members of the Euro, there are no currency fluctuation problems to worry about.. Arrange the finance for your overseas property by refinancing your Irish property..  ...   All foreigners need to to get a tax identification number even if you are not a full time or tax resident.. SISA.. SISA is a tax payable on the value of the property varying from 0 - 10% of the property value (less the value of fixtures and fittings).. Preparation of the Escritura (+ Land Registry fees).. The costs vary but would typically be around 1.. 5% - 2% of the property price.. VAT - (Imposto sobre o valor acrescentado) (IVA).. Paid when you are building a property.. Power of Attorney.. - If you do not wish to be in Spain when the title deed need to be signed you can arrange for a lawyer to sign on your behalf.. 200.. Surveyor.. - If are buying a second hand property it's wise to get a structural survey to insure that the property is structurally sound.. - If you are re-financing your existing Irish property to raise finance for buying overseas, you would be liable for Irish legal fees and outlays in relation to you existing title deeds.. Now that you have bought the property - what else do you have to do?.. If you are buying the property in Portugal as a holiday home or as an investment (or if you spend less than 183 days a year in Portugal) you are considered a non-resident.. Appoint a fiscal representative in Portugal.. Make a Portuguese Income tax declaration and pay tax on any income you earn in Portugal.. Pay local rates - Contribucao Autarquica.. Make a declaration of all your capital assets in Portugal and pay wealth tax on them if necessary.. If you are planning to live or work in Portugal, you will have to consider:.. Import your car, furniture etc.. Arrange for your pension to be paid in Portugal.. Apply for approval..

    Original link path: /Guides/portugal.asp
    Open archive

  • Title: Guide for Irish People buying property in France
    Descriptive info: Buying a property in France - the basics.. The Buying Process.. There are lots of companies selling French Property.. Click here for books on buying property in France (from Amazon).. It is advisable to do the same when you are buying a second hand property in France (or elsewhere).. But, it is important to note that The French 'Notaire' who you sign the legal documents and land transfers in the presence of is NOT there to give legal advice to either the buyer or the seller, but is only there to witness the signatures and to deal with certain administration functions.. The process is broken into two stages (as it is here in Ireland).. Firstly you sign a conditional contract which can be prepared by a 'Notaire' or an estate agent.. You then sign a formal non-conditional Deed of Sale called the 'Acte de Vente'.. The sale can take up about three months to conplete.. It is very important to look at these options (in conjunction with looking at your existing will, and consider getting a French will).. The potential tax savings of setting it up properly at this stage are huge down the line as the French system of Inheritance tax can attract very high rates of tax.. The options for purchasing the home are:.. # Buying the property in your own name.. # In joint names with your partner.. # In your children's names who will eventually inherit the property.. # In the name of a limited company.. # In the name of a SCI (a type of French company used to own and manage properties in France).. # By way of a Family Trust.. You have 2 main options when it comes to financing the purchase - you can try to source a mortgage through a French lender or you could consider remortgage your Irish Property to finance the purchase.. Getting finance by way of re-financing your existing mortgage can allow you to borrow enough to cover 100% of the purchase price, all fees and additional  ...   Department tax figure).. Communal tax.. 2%.. - varies usually 200 - 250.. Miscellaneous Land Registry fees.. - usually less than 1% of the property value.. Survey Fees.. If you get a structural survey, which we recommend you get regardless of which country you buy in, you should allow a couple of hundred euros.. Acte de Vente.. This is the Title deed showing who the owner of the property is and giving a description of the property.. Cadastre - Land Registry.. Contrat de Vente sous conditions suspensives (or Compromis de vende).. This is a preliminary contract which is conditional subject to conditions such as mortgage approval, leans on the property etc.. If you are buying a home in France as an investment or holiday home rather than living there all year round, it is a good idea to nominate someone to act as your 'Fiscal Representative'.. The fiscal representative has to be a resident of France - but it's up to you who to choose - a friend, tax adviser or lawyer.. ISF (Impot de solodarite sur la fortune).. Wealth Tax - If you have assets to the value of 4.. 700.. 000F or more in France you have to submit a wealth tax return.. Inpots sur la Revenu.. Income Tax - Even if you're not planning to work in France you will have to submit an income tax return on income you earn in France such as rental income and interest earned from your bank.. Notaire (Notary).. This is a public official who prepares the title deeds and records that the deed has been signed in his presence and is understood by the buyer and seller.. The Notaire does not give independent legal advice.. He will make the various title searches about the property.. Taxe sur la valeur ajoutee.. This is the French for VAT.. You have to pay this tax at 20.. 6% if the property is new or if it is sold for the first time within 5 years of being built.. After you complete the purchase..

    Original link path: /Guides/france.asp
    Open archive

  • Title: Irish investors buying property in Florida
    Descriptive info: Buying a property in Florida.. Taxes.. Visas.. Property Management.. (.. Mortgage Finance.. ).. BUYING PROPERTY IN THE USA.. Information provided by Lesley Dolby of.. DolbyProperties.. com.. Taxes.. 1) There are no sales taxes ( VAT ) on either the purchase or the sale of Real Property in Florida.. The price you pay for the house is the total price.. However, there are closing costs when both selling and buying ( see separate section on Closing Costs ).. 2) Included as part of the closing costs you will have the following taxes :.. Buying :.. If you are buying a property with a mortgage, then you will pay to the State of Florida Documentary Stamps on the amount of the mortgage at the rate of 35 cents for each $ 100 of mortgage.. You will also pay an Intangible Tax at the rate of 2 mills (.. 002) on the mortgage amount.. So, for example, if you have a $ 100,000 mortgage, you would pay $ 350 Documentary Stamps and $ 200 Intangible Tax.. If you are paying cash for the property, then you have none of these taxes.. Selling :.. You will pay to the State of Florida Documentary Stamps on the Deed, which is the full amount of the selling price, at the rate of 70 cents per $ 100.. For example, on a $ 150,000 house, you would pay $ 1,050.. 3) You will pay Property Taxes to the county in which your property is located.. In the Orlando area, it would either be Orange, Osceola, Lake or Polk County.. This property tax is paid annually on the assessed value of your property ( which is usually around 75% or so of the actual market value of the property ).. The amount of taxes varies greatly with each neighborhood and depends on facilities and schools in that neighborhood, but an average amount for property taxes on a $ 150,000 house would be somewhere around $ 2,000.. 4) The only other taxes you would pay would be taxes on any profits when you sell your property, but your Accountant would be able to help you with that.. A non-resident alien is usually subject to withholding tax here in the USA, which he then would most likely be able to claim back as a Foreign Tax Credit on his Irish tax return.. Legal Costs.. 1) In the State of Florida, we do not generally use lawyers for Real Estate transactions, as there is absolutely no  ...   other countries.. Closing Costs.. 1) In addition to the above-mentioned Doc Stamps, Legal Costs and Title Insurance, there will be small recording fees to record the mortgage and the deed.. Buyers will need an appraisal to verify that the value of the property is indeed at least as much as they are paying ( if obtaining a mortgage, the lender will require that ).. This is usually around $ 300.. Also, a termite inspection has to be done to check there is no infestation of termites, usually around $ 65.. Lenders also will require a survey ( around $ 300 ) and charge around $ 60 to obtain a credit report on the Borrower and there will be fees from the Lender and Mortgage Broker to issue a mortgage, but these fees vary greatly.. You can usually estimate about 2% for closing costs as a Seller ( in addition to Real Estate Broker commissions of around 6% ) and 2.. 5% - 3.. % if you are a Buyer with a mortgage.. Visas.. 1) No visas are needed for Irish citizens to enter the USA as tourists and the length of stay allowed is three months.. You can apply for an extension to six months.. 2) Coming to live in the USA is another matter and can get quite complicated.. One would need to talk to the US Embassy in Ireland to check on the various ways of immigrating.. Property Management.. 1) If you are not planning on coming to live in the US, you will be well advised to have a Property Management company manage your property.. The Florida weather can be quite harsh on property and if a house is left without regular maintenance, your investment can very quickly deteriorate.. Also, Florida has its fair share of pests, such as termites, cockroaches etc, which need constant supervision.. 2) In order to get the best return on your investment, you will probably want to rent out your property when you are not there.. Your Property Management company will help you rent out the property, will be responsible for paying your property bills, filing your monthly tax returns ( for the sales taxes and tourist taxes which have to be collected when you rent out your property ), keeping licenses up to date, making sure your garden and pool are regularly maintained ( as grass and weeds can soon overtake everything and pools can become green in no time if not taken care of )..

    Original link path: /Guides/florida.asp
    Open archive

  • Title: Irish First Time Buyers - Tips on buying & selling property in Ireland
    Descriptive info: ie Home Buyer Checklists.. We will be adding new checklists over the next few weeks.. In the mean time, click on the links below to access our current checklists - you can print the documents or save the checklists to your own computer.. Property Checklist.. (PDF).. Budget Planner.. Moving Checklist.. Mortgage Checklist.. (PDF).. Moving Home - who to  ...   required for every mortgage application.. If any other items on the checklist are relevant to you, you'll also have to provide the mortgage lender with these supporting documents e.. if you have a car loan, the mortgage lenders will usually require a loan statement).. If you cannot open the checklists,.. download a free copy of Adobe Acrobat Reader..

    Original link path: /Guides/checklists.asp
    Open archive

  • Title: Moving.ie
    Descriptive info: Irish Property News.. Home Buyers Guide 2009.. ARCHIVE.. 12 Feb: Govt unveils details of 7bn bank recapitalisation plan.. The Government has announced details of its plan to invest 7bn of taxpayers' money into AIB and Bank of Ireland to help the through institutions in the current financial crisis.. 10 Feb: BOI & AIB to delay home repossessions.. Bank of Ireland and AIB Group have agreed to delay issuing repossession orders on homes for 12 months.. 10 Feb: AIB steps up mortgage battle with new low rate.. AIB yesterday turned up the heat in a mortgage price war for first-time buyers by offering the lowest interest rate in the market.. 08/01: Moving.. ie Launch 2009 Home Buyers Guide.. The 2009 Edition of Moving.. ie's Home Buyers Guide was launched this morning at 10am.. 06/01: Pound in biggest rise on euro since 1999.. The UK pound rose the most against the euro since the debut of the common currency a decade ago on bets the ECB may be spurred to cut interest rates to limit the fallout from the recession.. 06/01: 1 50% descent from peak to trough.. If there is one economic certainty for 2009 it is that Irish house prices will continue to fall just as the economy accelerates in reverse.. Even the most bullish of commentators or indeed vested interests have pencilled in 2010 as the earliest date for a turnaround.. 06/01: Subprime customers returning to main banks.. A NEW study has shown that the majority of people who take out mortgages with expensive subprime lenders move to conventional lenders within three to four years.. 14/02: Rents stagnate as supply increases by almost 50%.. Daft.. ie, Ireland's largest propety website has released the latest Daft Rental Report.. The figures show that the supply of properties available to rent across the country increased by almost fifty percent in the last three months of 2007.. This dramatic increase in supply has led to a levelling off in rents, with the average rent nationwide remaining unchanged at 1388.. 14/02: First time buyers breathe life into property sector.. The worst could be over for the property market.. Although it's early days yet to be definitive on the end of the housing slump, there are tentative signs that the property market could be starting to pick up again.. Budget 2008: Mortgage Interest Relief Increases.. December 5th 2007: Mortgage interest relief increases for first time buyers.. Budget 2008: Stamp Duty Reform.. Minister for Finance radically reforms stamp duty on residential property.. Budget 2008: Stamp Duty Claw back period reduced.. The stamp duty relief clawback period for first time buyers has been reduced from 5 years to 2 years.. Budget 2008: Rent a Room Scheme Limits Increase.. The limit on the governments.. Housing development is just one  ...   released its latest property market report, a review of 2007.. The report confirms that 2007 witnessed a dramatic shift in the housing market.. Read More.. 10/1: ECB leaves rates unchanged as expected.. The European Central Bank held its main interest rates steady today against a background of rising inflation and slowing growth, shortly after the Bank of England did the same.. 11/1: ECB Head hints at further interest rate hikes.. THE Irish property market may come under further pressure over the coming months after the European Central Bank yesterday indicated its readiness to raise interest rates further.. 11/1: ECB Chiefs to fix interest rate at 4% for 'long period'.. Yesterdays's first policy meeting of the year for the European Central Bank is likely to be the start of a long period of unchanged interest rates, analysts and financial market prices say.. 14/1: Consumers warned on 'property double agents'.. Financial services ombudsman Joe Meade has warned consumers to be wary of mortgage brokers who also act as estate agents.. 14/1: Homeowners paying 3,000 too much for mortgage.. Tens of thousands of Irish homeowners are paying up to 3,000 too much every year in mortgage repayments.. 14/1: Construction activity falls to a record low.. Construction activity in the Irish economy in December, as measured by the Ulster Bank Purchasing Managers' Index, fell to its lowest level since the series began back in 2000.. 14/1: David McWilliams - The British property market is no longer as safe as houses.. Robopaddy has suddenly realised that buying property abroad doesn t spread the risk.. 16/1: The outlook for house prices in 2008.. There has been a lot of talk about the property market softening in 2007.. And indeed, the figures speak for themselves.. What is the outlook for this year? Here's what some of the leading property and banking companies think:.. 17/1: Two big developers cut prices by up to 25%.. The dramatic slowdown in new homes sales has prompted builders to cut prices in a number of schemes.. 17/1: Buyers line up to view Michael Lynn's house.. All eyes will be on Lisney's auction rooms next Tuesday for the first auction of the season which will see rogue solicitor Michael Lynn's House put under the hammer.. 07/02: MyHome / NCB Property Barometer.. MyHome.. ie's Report on property asking prices, indicates further falls nationally.. 07/02: ECB leave interest rates unchanged.. As expected, the European Central Bank (ECB) left it's key interest rate unchanged at 4%, at their monthly meeting today.. 11/02: Banks may not pass on ECB rate cut to borrowers.. Hopes for substantially lower mortgage rates in the coming months are set to be dashed, after the counties top banks refused to commit to passing on the benefits of an expected rate cut to borrowers.. Back..

    Original link path: /News/Archive.asp
    Open archive

  • Title: Moving.ie
    Descriptive info: Mortgage Calculator.. LOW COST Legal Conveyancing.. FREE Newsletter.. LOGIN.. REGISTER.. Please login:.. ID:.. PASSWORD:.. Sign Up for Free :.. Free Home Buyers Guide.. Bonus # 1.. Free Report.. How to Find the Best Mortgage in Ireland.. Bonus # 2.. 75 Voucher.. And Free Email Updates.. News, Tips Offers.. First Name:.. Primary Email:.. We will never send you spam We follow a strict.. Privacy Policy.. 2008 Moving.. ie All Rights Reserved.. Forum..

    Original link path: /Forum/login.asp
    Open archive


  • Archived pages: 512