This week I ended up speaking to 3-different couples who all wanted to buy their first home and all have special needs children. The issue here is that it is close to impossible to get a mortgage direct from your bank these days. The rules in getting a mortgage have completely changed and without expert […]
School season often begins with having candid conversations with your children about money, budgeting and needs vs. wants. Depending on their age(s) and maturity, you could negotiate school budgets with your kids and allow them to manage those budgets themselves. If they want anything above the agreed amount, let them use their allowance money or […]
Financial Regulator launches consultation on code of conduct on mortgage arrears – deadline 3 September: https://bit.ly/9Op0eg Allan Matthew Cuthbert t/a Financial Wellbeing is regulated by the Central Bank of Ireland to advice on Mortgage,Savings, Life and Pension products
Your approval decision will be based on a number of different documents that you will need to provide to the banks, here is a list of the key items: Identification Either your driver’s licence or passport needs to be shown. Always double check to see that your identification is valid for the next 6-months. You […]
Application Stage The first step in the process of getting a mortgage is to get a written approval from the Bank this is generally valid for 3-6 months. This approval in principle (often referred to as AIP) will show you in writing what your borrowing capacity from the different banks are. This will also be […]
The following insider’s guide touches on the different stages of successfully applying for the mortgage that ultimately allows you to buy your dream home.
I have done a live documentary to reveal what happening to people when they find it hard to pay their mortgage. This is a really case with a real outcome. Trouble paying mortgage Allan Matthew Cuthbert t/a Financial Wellbeing is regulated by the Central Bank of Ireland to advice on Mortgage,Savings, Life and […]
One of the first steps to good money management is to find out on a monthly base where all your income goes. Email me if you want a budget calculator that will do the maths for you for free.
If, after you made a budget, you’ve come to the conclusion that you won’t have any money left over to pay your creditors, you need serious help.