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MayoMark View Drop Down
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The NEW angrier Freewheeler

Joined: 27 Jan 2009
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Points: 26342 		Post Options Post Options   Thanks (0) Thanks(0)   Quote MayoMark Quote  Post ReplyReply Direct Link To This Post Posted: 08 Feb 2022 at 12:43pm
Originally posted by Baldrick Baldrick wrote:

Originally posted by MayoMark MayoMark wrote:

Just had a chat with mortgage advisor here in town, so I have to write to her to ask if there is a breakage if I leave the fixed term. There usually is, but a lot of the time she said they will let you break it for little or not charge.

We've just installed PV panels so our BER is above the B3 now, so we are entitled to the green rate at 2.1%. So just need to sort out a few things here to get the ball rolling!


What BER did you start with.  I am at C1 and would like to get to B3 to qualify for Green Mortgage.  Anyone know cheapest way of getting from C1 to B3. (Feels like leaving cert again). 

Attic insulation I am guessing is probably a good starting point.  

My BER is C1, which is what it was when I bought. But I am pretty sure the previous owners had the cavity pumped, attic insulated and put in an insert stove after that was done.

Insulation of your attic is best bet, after that I think you need to be looking at more expensive stuff, like solar, windows and doors etc
They finally did it man... They killed my f**kin' car...
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Points: 3619 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Artie Ziff Quote  Post ReplyReply Direct Link To This Post Posted: 08 Feb 2022 at 3:00pm
What's the green mortgage? You get a cheaper rate if your house has a good BER cert? 
It would damage this forums' reputation
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MayoMark View Drop Down
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The NEW angrier Freewheeler

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Points: 26342 		Post Options Post Options   Thanks (0) Thanks(0)   Quote MayoMark Quote  Post ReplyReply Direct Link To This Post Posted: 08 Feb 2022 at 3:05pm
Yes a new enough thing. If it's B3 or above you can get 2.1% with AIB
They finally did it man... They killed my f**kin' car...
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Davey Langan
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only winners in the mortgage game are banks and solicitors

invest your hard earned elsewhere Thumbs Up
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MayoMark View Drop Down
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The NEW angrier Freewheeler

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What could be better than investing in your own home?

I could pay 800 bob for a mortgage or 1100 in rent and pay someone else's mortgage 
They finally did it man... They killed my f**kin' car...
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MAYO FOR SAM

Joined: 13 Jan 2009
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Points: 6992 		Post Options Post Options   Thanks (0) Thanks(0)   Quote sausy Quote  Post ReplyReply Direct Link To This Post Posted: 08 Feb 2022 at 3:33pm
Originally posted by Il Principe Il Principe wrote:


only winners in the mortgage game are banks and solicitors

invest your hard earned elsewhere Thumbs Up
 
What an absolutely stupid comment.
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Paul McGrath
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Ballymun Resident #MONKEANO

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Originally posted by Il Principe Il Principe wrote:


only winners in the mortgage game are banks and solicitors

invest your hard earned elsewhere Thumbs Up
I love your consistency in this LOLClap
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Jack Charlton
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Originally posted by Il Principe Il Principe wrote:


only winners in the mortgage game are banks and solicitors

invest your hard earned elsewhere Thumbs Up
Like rent Clap
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Davey Langan
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Originally posted by Il Principe Il Principe wrote:


only winners in the mortgage game are banks and solicitors

invest your hard earned elsewhere Thumbs Up

We had a financial advisor that used come into our work with this type of guff in 2007. Rent is dead money, have you considered buying with a friend, etc. 

He disappeared towards the end of 2008 and hasn't been seen since.
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Robbie Keane
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Points: 34911 		Post Options Post Options   Thanks (0) Thanks(0)   Quote horsebox Quote  Post ReplyReply Direct Link To This Post Posted: 08 Feb 2022 at 4:53pm
He's never mentioned anything about renting in his post, and he's right though, banks and solicitors are in the game to make money, lots of money.
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Robbie Keane
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Originally posted by horsebox horsebox wrote:

He's never mentioned anything about renting in his post, and he's right though, banks and solicitors are in the game to make money, lots of money.

Well if you don’t rent or take out a mortgage what other options are there to the ordinary Joe.  

Not many can buy property without a loan/mortgage, and we all have to live somewhere so that only leaves renting and buying for cash. 

It’s like saying going into a pub the only winners are the owner of the bar.  

Of course the bank makes money out of loaning money to mortgage holders and when they stop doing so they get bailed out too 😀😀😀


Edited by Baldrick - 08 Feb 2022 at 6:13pm
AKA pedantic kunt
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nvidic View Drop Down
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Can you get your own valuation for a remortgage? We need to hit a certain figure to get below 60% ltv, I'd say we'll be stretching it a bit. Have heard of people just saying to the valuer what valuation they need and they work to that. 
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Points: 26342 		Post Options Post Options   Thanks (0) Thanks(0)   Quote MayoMark Quote  Post ReplyReply Direct Link To This Post Posted: 09 Feb 2022 at 8:53am
Originally posted by nvidic nvidic wrote:

Can you get your own valuation for a remortgage? We need to hit a certain figure to get below 60% ltv, I'd say we'll be stretching it a bit. Have heard of people just saying to the valuer what valuation they need and they work to that. 

Depends on the valuer. We would always do our best to help out but we won't do anything we couldn't justify. And we'd be up front as well and tell someone we can't do it rather than valuing less than what they'd need and charging them 
They finally did it man... They killed my f**kin' car...
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Originally posted by MayoMark MayoMark wrote:

Originally posted by nvidic nvidic wrote:

Can you get your own valuation for a remortgage? We need to hit a certain figure to get below 60% ltv, I'd say we'll be stretching it a bit. Have heard of people just saying to the valuer what valuation they need and they work to that. 

Depends on the valuer. We would always do our best to help out but we won't do anything we couldn't justify. And we'd be up front as well and tell someone we can't do it rather than valuing less than what they'd need and charging them 

Nice one, and you can use your own valuation for a the mortgage application? 

I'd say we could justify it, we bought at a certain price, put 20k or more into it, house price inflation since then would run higher than the extra we'd be asking for. 
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Points: 8369 		Post Options Post Options   Thanks (0) Thanks(0)   Quote zizu Kilbane Quote  Post ReplyReply Direct Link To This Post Posted: 09 Feb 2022 at 9:36am
Originally posted by nvidic nvidic wrote:

Originally posted by MayoMark MayoMark wrote:

Originally posted by nvidic nvidic wrote:

Can you get your own valuation for a remortgage? We need to hit a certain figure to get below 60% ltv, I'd say we'll be stretching it a bit. Have heard of people just saying to the valuer what valuation they need and they work to that. 

Depends on the valuer. We would always do our best to help out but we won't do anything we couldn't justify. And we'd be up front as well and tell someone we can't do it rather than valuing less than what they'd need and charging them 

Nice one, and you can use your own valuation for a the mortgage application? 

I'd say we could justify it, we bought at a certain price, put 20k or more into it, house price inflation since then would run higher than the extra we'd be asking for. 

I bought a 3 bed in Greystones in late 2018. Had to get it valued a few weeks back...its gone up by €100k already. Valuer said it would likely go for a lot more on the open market. Something really needs to be done in this country, the housing market is completely broken
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The NEW angrier Freewheeler

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Points: 26342 		Post Options Post Options   Thanks (0) Thanks(0)   Quote MayoMark Quote  Post ReplyReply Direct Link To This Post Posted: 09 Feb 2022 at 9:59am
Originally posted by nvidic nvidic wrote:

Originally posted by MayoMark MayoMark wrote:

Originally posted by nvidic nvidic wrote:

Can you get your own valuation for a remortgage? We need to hit a certain figure to get below 60% ltv, I'd say we'll be stretching it a bit. Have heard of people just saying to the valuer what valuation they need and they work to that. 

Depends on the valuer. We would always do our best to help out but we won't do anything we couldn't justify. And we'd be up front as well and tell someone we can't do it rather than valuing less than what they'd need and charging them 

Nice one, and you can use your own valuation for a the mortgage application? 

I'd say we could justify it, we bought at a certain price, put 20k or more into it, house price inflation since then would run higher than the extra we'd be asking for. 

What bank is it?

For a remortgage for AIB for example, it would likely need to go through central valuations.

If it's just an LTV, you can instruct anyone on the valuation panel. 

BOI I think you can pick anyone from their panel regardless of what type it is.

Haven same as AIB
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Points: 19015 		Post Options Post Options   Thanks (0) Thanks(0)   Quote nvidic Quote  Post ReplyReply Direct Link To This Post Posted: 09 Feb 2022 at 10:27am
Originally posted by MayoMark MayoMark wrote:

Originally posted by nvidic nvidic wrote:

Originally posted by MayoMark MayoMark wrote:

Originally posted by nvidic nvidic wrote:

Can you get your own valuation for a remortgage? We need to hit a certain figure to get below 60% ltv, I'd say we'll be stretching it a bit. Have heard of people just saying to the valuer what valuation they need and they work to that. 

Depends on the valuer. We would always do our best to help out but we won't do anything we couldn't justify. And we'd be up front as well and tell someone we can't do it rather than valuing less than what they'd need and charging them 

Nice one, and you can use your own valuation for a the mortgage application? 

I'd say we could justify it, we bought at a certain price, put 20k or more into it, house price inflation since then would run higher than the extra we'd be asking for. 

What bank is it?

For a remortgage for AIB for example, it would likely need to go through central valuations.

If it's just an LTV, you can instruct anyone on the valuation panel. 

BOI I think you can pick anyone from their panel regardless of what type it is.

Haven same as AIB

Avant is the plan! 
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nvidic View Drop Down
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Points: 19015 		Post Options Post Options   Thanks (0) Thanks(0)   Quote nvidic Quote  Post ReplyReply Direct Link To This Post Posted: 09 Feb 2022 at 10:31am
Originally posted by zizu Kilbane zizu Kilbane wrote:

Originally posted by nvidic nvidic wrote:

Originally posted by MayoMark MayoMark wrote:

Originally posted by nvidic nvidic wrote:

Can you get your own valuation for a remortgage? We need to hit a certain figure to get below 60% ltv, I'd say we'll be stretching it a bit. Have heard of people just saying to the valuer what valuation they need and they work to that. 

Depends on the valuer. We would always do our best to help out but we won't do anything we couldn't justify. And we'd be up front as well and tell someone we can't do it rather than valuing less than what they'd need and charging them 

Nice one, and you can use your own valuation for a the mortgage application? 

I'd say we could justify it, we bought at a certain price, put 20k or more into it, house price inflation since then would run higher than the extra we'd be asking for. 

I bought a 3 bed in Greystones in late 2018. Had to get it valued a few weeks back...its gone up by €100k already. Valuer said it would likely go for a lot more on the open market. Something really needs to be done in this country, the housing market is completely broken

I'm from Greystones, I can't believe what's happened to the town. Prices have gotten insane, reaching prices I never thought I'd see.

Always thought I'd move back, I doubt I will now. 
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