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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.. Step 5: View lots and lots of properties.. It s important to remember that there is more than one dream home out there for you.. It s easy to get caught up.. in the excitement when you find a suitable home and pay over the odds to make sure you secure it.. Instead of focusing one or two properties, you should make a big list of potential properties in the area you want to live.. The bigger the list, the better.. Keep an eye out for properties that have been on the market for a long time.. If the owners haven't had much.. interest, they may be delighted to get an offer, even if it's much lower than their asking price.. IrishPropertyWatch.. com.. will give you a good idea how long a property has been on the market, and you ll be.. able to see if they ve dropped their asking price.. (the properties listed are based on Daft.. ie s database).. Never offer the guide price and certainly don't be afraid to make an  ...   the next one on your list there s plenty more out there.. The important thing to remember is that while some people will take their property off the market if they don't get.. the price they want, others will have no option but to sell, so there are bargains out there for those willing to put.. in some leg work.. To sum it up, you should make offers that most sellers will refuse; you only need one on the list to accept your.. low offer.. 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: Dealing with Estate Agents.. For most of this decade, Ireland s property market was a sellers market.. There was very strong demand for property and prices kept on rising.. First Time Home Buyers feared that they would never get on the property ladder, and potential buyers often ended up in a bidding war against other buyers.. It was a great time to sell a house, but it sucked if you were buying.. Unless you ve been living under a rock for the last year, you know that it s now a buyers market.. Prices have been falling consistently, there are less active buyers out there, and unless sellers  ...   is in control.. It s time to use the credit crunch to your advantage.. Find out as much information as possible.. When you find a suitable property, try to get as much information as possible about the seller from the estate agent.. Are they looking for a quick sale?.. Do they need to sell?.. Are they going through a break up or divorce?.. How long has the house been on the market? (Don t forget to check IrishPropertyWatch.. com too).. Have they had any previous offers?.. The more information you have, the better insight you ll get into whether a seller may be willing to drop their price..

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  • Title: First Time Home Buyers Guide
    Descriptive info: cont.. Don t forget:.. The estate agent will generally know what price the seller would accept.. While the agent works for the seller, the reality is that the estate agent wants the deal to go through.. Give away as little information as possible.. We want to find out as much about the seller as we can, so we can guess the absolute minimum price they ll accept.. The flip side, is that we want them to know as little about us as possible.. Don t tell the agent how much you re willing to spend.. Don t tell they what size mortgage you have been approved  ...   mortgage approval just don t tell them how much it s for.. Give them a time limit.. After you make an offer on a property, it s in the seller s best interest to string you along, for as long as possible, to see if someone else will make a better offer.. The longer they hold out, the better chance there is that another potential buyer will surface.. So it s your job to create a time limit, so they don t get a better offer in the mean time.. Something as simple as saying that you re also interested in another property can get things moving..

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  • Title: First Time Home Buyers Guide
    Descriptive info: Don t be pressured into a quick decision.. It s important that you don t get forced into making a quick decision, as quick decisions are often bad decisions.. Remember, it s a buyers market, with a lot less competition for properties than in the past.. The estate agent may have already let it slip that there haven t been many viewings, so don t let them pressure you into making an offer.. Do Get Mortgage  ...   mortgage approval in principle.. Now it s even more important.. While sellers want to secure the best price, they also want to ensure that the deal goes through and if you have the finance secured in advance, the chances of the deal falling through are vastly reduced.. Establish your budget before speaking to the agent.. Before you start actively looking for a home, you need to know how much you can afford and stick to it..

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  • Title: First Time Home Buyers Guide
    Descriptive info: Chapter 5: Mortgage Basics.. 10 Top Tips on Mortgages.. 1.. Each Bank and Building Society has different criteria, or rules, to calculate how much you can borrow.. So if one bank doesn't offer you a big enough mortgage, don't panic.. Another lender could come up trumps.. 2.. Using a mortgage broker makes more sense than ever during the credit crunch.. Brokers deal with the lenders on a daily basis, so they know who s offering the best deals and which lenders are likely to approve your mortgage.. 3.. It is really important to get approval in principle before you do anything else.. Not only does it remove the guess work and establish a price range for you, it also effectively makes you a 'cash buyer' which could  ...   such as payment holidays, are on offer.. 7.. If you are considering a fixed rate, remember that you will be charged a penalty if you pay off the mortgage during the fixed rate period.. 8.. If you are on a tight budget you could consider an interest only mortgage to keep your payments low at the start of the mortgage (when you have to pay for new furniture, legal fees etc).. 9.. If you don t qualify for a mortgage, consider the alternatives, such as buying with a friend.. (for 7 other suggestions, read the chapter entitled Help, I can t afford to buy a home.. 10.. If you are offered a discounted rate, find out what rate you ll get when the discounted rate is over..

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  • Title: First Time Home Buyers Guide
    Descriptive info: How much can I borrow?.. There are lots of variables involved in calculating your approval amount (such as outgoings, loan commitments,.. age, breakdown of your income into basic, overtime, bonuses etc), so I'd highly recommend that you get approval.. in principle before you do anything else.. The factors that can effect what you d be able to borrow include:.. Age.. Existing loans (A 400 per month car loan can reduce what you can borrow by over 65,000).. Disposable income.. Credit history.. Occupation.. Employer.. Industry.. Employment contract status.. Savings patterns.. The  ...   how many years you ll take the mortgage over).. What type of interest rate you choose.. Here's two things you shouldn t overlook:.. Most lenders will only take 10 - 20% of overtime, bonus or commission into account when working out.. what you can borrow, so if they make up part of your income, it's vital to speak to a mortgage professional.. Some occupations are negatively weighted, such as construction jobs, as redundancy levels are.. increasing you will only find out your real position by speaking to a mortgage consultant..

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  • Title: First Time Home Buyers Guide
    Descriptive info: Would I be approved?.. The easiest way to know for sure is to get 'Approval in Principle'.. This will remove the guess work and doubts, and will mean that you can look for a home knowing that the finance is not a concern.. Spend a couple of minutes filling in a few details on our online mortgage application and a consultant can sort this out for you.. Here are the general requirements that the lenders consider:.. Age:.. The minimum age is 18 years and the mortgage should be completed by the age of 65 or 70 (depending on the.. lender).. Credit History:.. The lenders review your credit report with the Irish Credit  ...   loans, mortgage etc, the 'High Street' may decline your application.. If this is the case, there are a range of specialist lenders that would still consider lending, even if you have problems with your credit history.. Job:.. If you are an employee, you must be permanent (and not on a probationary period).. Lenders usually want you to be employed for a minimum of 6 months (but some times they'll accept less than that - for example, if you recently.. moved from a competitor to your current firm, that's usually ok).. Self Employed:.. If you are self employed, the very minimum that most lenders will require is that you have been self employed for..

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  • Title: First Time Home Buyers Guide
    Descriptive info: Would I be approved.. cont?.. 12 months.. Very often, they are looking for you to have 2 - 3 years under your belt.. Affordability.. :.. What size mortgage you qualify for will depend on your disposable income - which means what you are left over out of your pay each month after tax and other commitments such as loan repayments (and maintenance if applicable).. Mortgage Application Process.. Applying for a mortgage is straight forward:.. Visit the online mortgage application page and fill in a few basic income, loan and contact details (or call.. 1890 44 66 44 to speak to a mortgage consultant).. An experienced mortgage advisor will contact you within 24 hours (Monday Friday)..  ...   and a short list of supporting documents the lenders will require, such as your P60 and pay slips.. Complete the form and return with the supporting documents.. Formal Approval in Principle will be issued within a couple of days by the mortgage lender.. When you successfully bid on a property and place a booking deposit, contact the broker, who will arrange a.. valuation on the property.. Your Letter of Offer will be issued within a few days of the valuation being completed.. The letter of offer outlines the mortgage term (i.. the number of years you decided to take the mortgage over), the interest rate etc.. Once you have the offer, you can sign contracts..

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  • Title: First Time Home Buyers Guide
    Descriptive info: The mortgage advisor will liase with the estate agent, solicitor, and bank to ensure the cheque issues when it s.. required.. What is Your Credit Rating and How Can You Check it?.. Have you any idea what your credit rating is? Did you know that every time you deal with a financial institution, the lender may update your credit rating report?.. When you apply for a loan, mortgage or credit card, the lenders generally view your credit report to help them decide whether to offer you finance.. Most lenders want  ...   the money you borrow.. This a summary of what shows up on your credit report:.. History of Enquiries in the last 12 months (this typically highlights which lenders you've applied to for loans, credit cards etc).. Account details of each loan you have had in the last 5 years (e.. g.. account numbers, how much you borrowed, over how long etc).. Any loan payments you have made or missed.. How long it was before you cleared the arrears.. The failure to pay off any loan.. Any legal action taken against you..

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  • Title: First Time Home Buyers Guide
    Descriptive info: What is Your Credit Rating and How Can You Check it.. The credit report reflects your credit history, good and the bad.. Information is kept on your credit report for 5 years after the loan is CLOSED.. You can see a sample report on the Irish Credit Bureau website, ICB.. Click here to see which lenders are members of the ICB.. How Can You Check Your Credit Rating?.. The Irish Credit Bureau is the credit rating company who holds your credit record.. It costs 6 per report.. They will post you a copy of the report, which you'll usually get within about a week  ...   and they'll send you a form.. Can You Still Get a Mortgage with Bad Credit History?.. Yes.. If you are having problems arranging a mortgage with the standard banks and building societies in Ireland, due to a bad credit history, the good news is that there are now a number of 'specialist lenders' offering mortgages to a much wider range of people.. What deposit do I need?.. The deposit you'll need varies from lender to lender.. First Time Buyers Owner Occupiers:.. Anywhere from 80% to 90% or 92% mortgages are available so you ll need a 8% - 20% deposit depending on the lender..

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  • Title: First Time Home Buyers Guide
    Descriptive info: Mortgage Fees Costs.. Broker Fees: Varies but some brokers do not charge fees.. Mortgage Valuation Fee.. Cost: approx.. 150.. This is standard will all the lenders is required on all new and second hand homes.. Final Mortgage Valuation Fee.. Cost 65 - 70 (new homes only).. This is standard will all the lenders.. If you buy off plan, the lenders will require a final valuation when the property is finished.. Indemnity Bond Fee.. Cost: Usually 0 (usually only charged to investors).. This is an upfront one-off fee charged by some lenders if you  ...   time buyers, most lenders will not absorb the cost of the bond, and pay it themselves but some lenders may pass this fee onto you.. When charged, the fee can vary from hundreds to thousands of euros so make sure your lender doesn t charge it.. Arrangement or Acceptance Fee.. Cost: Usually 0.. These fees are not charged by the main stream lenders, but are charged on specialist and subprime mortgages.. i.. if you have a bad credit history etc.. The fees charged are generally between 0.. 5% to 1% of the mortgage amount..

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    Archived pages: 512