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

  • Title: First Time Home Buyers Guide
    Descriptive info: Chapter 4: Choosing the Right Property.. Things to consider if you want to buy a house:.. You are responsible for the maintenance.. Apartment owners pay a management fee to look after the maintenance of the building, the upkeep of the common areas and the gardens.. If you are buying a house, you ll have the extra responsibility of looking after all the maintenance and upkeep.. Cutting the grass.. Killing the weeds.. Cleaning the gutters.. Painting the exterior.. Fixing the leaking roof.. You ll also  ...   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: What to look for when viewing properties.. cont:.. Is the garden south facing?.. Try to ignore the décor and furniture (as you ll be replacing them with your own).. Are there any cracks in the walls?.. Are the windows double glazed?.. Are there damp patches on the ceilings?.. Are the rooms big enough?.. Is there enough storage space?.. Check the plumbing in the bathrooms run the taps, flush the toilets, is the shower powerful or will you need.. to replace it?.. Most mobile phones have cameras, so take plenty of snaps of the house (inside and out) and the garden.. If the house  ...   visit the property at different times of the day and night.. You ll get a better idea of how noisy.. the area is, how easy it ll be to get parking, how safe you ll feel.. It s also a good idea to use a map to check out the exact location.. See if there are any facilities in the area.. which aren t outlined in the sales brochure.. Is the house near the local sewage works? Or next door to a sports.. stadium? Or beside the local nightclub?.. Ask the agent lots of questions, but take the answers with a pinch of salt..

    Original link path: /guides/first-time-buyers-guide-46.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Chapter 5: Mortgage Basics.. Single Applicants:.. Generally speaking, lenders will either work out what you can borrow based on a multiple of your yearly gross.. income, or based on your net disposable income (i.. e.. your income after tax and loan repayments etc).. 4.. 75 times 5 times your annual pre tax income.. 35% - 40% of your monthly net income (your pay after tax) to cover your mortgage AND any other loan.. repayments.. They usually calculate it based on a variable rate mortgage over a maximum of  ...   will significantly reduce what you can borrow.. Overtime bonuses will also be taken into account, usually to a much lesser degree.. Joint Applicants:.. Lenders generally calculate what joint applicants qualify for based on their Net Disposable Income.. They usually calculate this based on a variable rate mortgage over a maximum of 35 years and it is stress.. tested to allow for increases in interest rates.. To arrange mortgage approval, call independent mortgage advisers Mortgages Direct on 1890 44 66 44 or fill in.. an.. online enquiry.. (moving.. ie/mortgageform.. asp)..

    Original link path: /guides/first-time-buyers-guide-54.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Chapter 6: Choosing the Right Mortgage.. The steps in finding the best mortgage.. Step 1: What are your plans over the coming years?.. Step 2: Are there any flexible options you want in your mortgage?.. Step 3: What types of interest rates are available?.. Step 4: What  ...   Fees.. Step 6: Choose the right mortgage term.. Step 7: Picking a lender.. Step 8: Things to do to help you get a mortgage.. Step 9: Things to avoid when you are looking for a mortgage.. Step 10: Get approval in principle so you are a cash buyer..

    Original link path: /guides/first-time-buyers-guide-62.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Interest Only.. Quite a few lenders offer an option to pay just the interest on your mortgage, either for a period at the start of the.. mortgage (usually for 1 3 years) or in some cases for the whole mortgage term.. Like the deferred start mortgage, it can be useful to reduce your payments when you complete the property.. purchase, due to the expenses you incur when you buy a home.. Overpayments.. You can make regular or occasional extra payments to reduce your mortgage balance and the amount of interest.. you ll pay, with no penalties.. Pay your mortgage over 10 or 11 months, instead of 12.. There  ...   these months off, and pay your mortgage over the remaining 10 or 11 months.. Mortgage holidays:.. At some stage during your mortgage, you might want to take a break from paying your mortgage.. Some lenders.. will allow payment breaks for 3 - 6 months.. This can be very beneficial during maternity breaks, career breaks, if.. you re made redundant or if you want to take time out and go traveling.. Note all lenders (or mortgage types) offer these flexibilities.. It is important to let your mortgage adviser know.. which of these options are important for you, so they can find a mortgage lender and mortgage type to suit you..

    Original link path: /guides/first-time-buyers-guide-65.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Disadvantages of a fixed rate mortgage:.. You will not benefit from decreases in interest rates.. You are tied in for a set period of time (you'd have to pay a penalty to get out early).. Fixed rates tend to be less flexible than variable or tracker rates.. For example, most lenders won't allow you to.. make any additional or lump sum payments.. 2.. Variable Rate.. A standard variable rate mortgage, is a mortgage where the interest rates vary depending on market conditions.. Changes in base rates with the European Central Bank (ECB) will usually lead to changes in  ...   standard variable rate mortgage:.. You can pay off the mortgage early with no early repayment penalties.. You can make extra regular or lump sum payments to reduce the balance, and reduce the overall interest you'll pay.. Variable rates are typically (but not always) cheaper than fixed rates.. Typically, you'll get a discount on the rate for the first year.. Disadvantages of a standard variable rate mortgage:.. Payments will generally increase if the ECB increases their rates.. Lenders can increase rates at their own discretion.. Some lenders may choose not to pass on the ECB interest rates decreases in full..

    Original link path: /guides/first-time-buyers-guide-67.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: 5.. Offset Mortgage.. Offset Mortgages link a customer s mortgage with their current and savings accounts.. The money in your current and savings accounts are 'offset' against their mortgage balance, which reduces the interest they pay on your mortgage.. For example, if you have a 200,000 mortgage, 3,000 in your current account and 9,000 in your savings account, by offsetting your savings and current account, you would only pay interest on 188,000.. Advantages of an Offset  ...   a tax efficient way to use your savings.. Because you don't actually receive interest on your savings (instead you pay less interest on your mortgage), you don't pay DIRT tax on them.. Disadvantages of an Offset Mortgage:.. You have to have your current and savings account with your mortgage lender.. There are a limited number of lenders offering offset mortgages in Ireland.. The interest rate charged is usually higher than you would pay on a standard mortgage..

    Original link path: /guides/first-time-buyers-guide-69.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Chapter 7: Help, I can't afford to buy a home - what are my options?.. Option 5: Buy a home with a friend or family member.. Buying with a friend of family member - make an agreement put it down on paper:.. Buying with friends or family member can work out well as long as you both have the same expectations and you get your solicitors to put an agreement together in writing.. At some stage, one person will probably want to move out or sell up, so you should discuss what would happen in such a situation.. Agreeing a minimum period, such as 3 or 5 years, where both parties  ...   to take out and maintain an accident, sickness and unemployment insurance policy.. to the value of their share of the mortgage you should also consider adding serious illness cover to your.. mortgage protection policy.. Discuss what happens in the event of death.. Decide what happens if one person misses mortgage payments.. PROS of buying with a friend or family member:.. You can afford to get on the property ladder.. You can share the costs of buying (such as legal fees), furnishing and decorating the property.. You'll share the ongoing costs such as mortgage payments, bills etc.. You ll own a share of a property instead of renting and paying dead money..

    Original link path: /guides/first-time-buyers-guide-84.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Chapter 9: Tax Tax Relief.. Stamp Duty.. 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 charged from.. 125,000 to 1,000,000 and 9% will be paid on the balance.. 125,000 0%.. 125K - 1million (First Time Buyers) 0% (Owner Occupiers Investors) 7%.. 1  ...   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-97.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Tax on rental income:.. Generally speaking, rental income is treated in a similar way to normal income from work, and is taxed at the same rates - for higher income earners, the tax on rental income would be charged at 41%.. However, property investors can reduce their tax liability by claiming legitimate expenses such as:.. Interest paid on the money borrowed to buy the property.. Rates (if Applicable).. Insurance, management fees, repairs,  ...   of fixtures fittings in years 1 - 8.. These deductions, will help minimize the tax due.. Tax on selling property Capital Gains Tax.. When investors sell an investment property, they have to pay tax on the increase in the value of the property, at a rate of 22%.. Property Charge for investment properties Second homes.. The government introduced an annual 200 charge in Budget 2009 on all investment properties and second homes.. )..

    Original link path: /guides/first-time-buyers-guide-100.asp
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  • Title: First Time Home Buyers Guide
    Descriptive info: Chapter 10: Moving Home.. Moving Countdown Checklist:.. Two weeks before.. Contact your phone company, gas and electric companies to arrange disconnection of services.. Arrange for cable TV in your new home.. Advise utility companies of your new home and when you need to be connected.. Notify car registration of change of address.. Contact insurance company of your  ...   you have to collect anything from the dry cleaners?.. Notify post office of change of address.. Put bed clothes, duvet etc aside for your first night in your new home.. Prepare a last-on first-off box of essentials e.. g.. kettle, bathroom goods, medication etc.. Prepare a kids box of their favourite toys and games and a few snacks..

    Original link path: /guides/first-time-buyers-guide-107.asp
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  • Archived pages: 512