u/JuicySegment

Projected timeline for drawdown is between Oct 30th - Nov 30th.

I want to get mortgage protection sorted ASAP because I like having things done.

I’m only worried if I take it out too early the bank will refuse it and if I leave it too late it’ll cause me stress and also might lead to delays if there’s any issues with it in the end.

When can/should I sort this out, am I going too early if I start now or get a quote now for the insurance to start in September?

Thank you!

Lads we've gone sale agreed and my nerves haven't stopped ever since. It feels like it should be good news, but with all the stories you hear of these things falling through, I'm more worried than ever!

Is there anything that I can do (or hear) to calm myself a little. For context; here's what's weighing on me:

1. Mortgage AIP to Loan Offer - our offers were all made using our Approval in Principle as proof of funds, we have all our documents etc., submitted, but I'm worried during underwriting that they'll make changes to the offer and the house won't be reachable. I've also added more stress by applying to three lenders (BoI, AIB, and Haven via Broker) to see what offer I get will be best - but obviously can only proceed with one, and need to make my decision in order to get valuation sorted by an approved valuer.

2. Estate Agent Timelines - Big red text in our sale agreed email - "Note: Both the Mortgage Valuation & Structural Survey must be carried out within 7 days of going sale agreed." - The survey we can sort, but valuation, particularly given my self-inflicted position on the mortgage (see above), within 7 days sounds completely unworkable? The agent seems happy that we've made progress (Sorted solicitor, surveyor, booking deposit and asked banks to speed up the process) within 24 hours, but I'm worried if we start going outside that 7 days they'll start thinking we're getting cold feet?

3. General Falling Through - not much to be done about this I reckon but I am worried of the sale falling through, like issues with documents, seller pulling out, issues with the survey, etc.,

For context, my partner and I have been through the mortgage process twice, the first failed as I left my job (following an incidence of harassment at work), and we're already so burnt out, so the sale failing & having to do it all again would devestate us.

Any words of wisdom so I can actually enjoy this good news, rather than worry the universe will ruin it? Will the lender look unfavourably if I start adding monthly bills for therapy at this stage?

My partner and I are now underwritten for a mortgage after a lot of jumping through hoops and currently, after a lot of viewings etc., have ended up on top the bid for two places:

1. A 2 bed, 2bath terraced house
2. A 2 bed, 1 bath apartment.

* The house is older than the apartment by approx 10 years.
* The house is BER D while the apartment is BER C.
* Neither has parking directly - the house would allow us a city council space but no designated space, the apartment has a waitlist of 2+ years. Neither of these bother me too much as I don’t currently have a car.
* Management fees for the apartment are €2200pa
* The apartment is larger by 3 square meters
* The house has a small attic for storage space - unclear if it could be converted.
* Both are located in relatively central locations where we’d be happy to live.

I’m wondering is there a “sensible” choice between the two? Is it easier to get a mortgage drawn down for a house vs apartment or vice versa? Should the age of the house be a cause for concern? Or should we just take whatever we get and be grateful given the market?

Curious to know people’s opinions or if there’s anything I should be aware with as we proceed

Thanks a million

Maybe this is unanswerable, but I think maybe I’ve just misinterpreted what I was told and I hope someone knows why BoI would make these two offers:

We’ve applied for our mortgage and have entered both mine and my partner’s incomes. On their website the only options are Self employed or PAYE, no discrepancy between public vs private sector so we both selected PAYE.

I am the main income earner and we got approval in principle for 356k. I understand AIP isn’t an offer, but then on review by a new specialist (covering annual leave) - NOT at a second stage of review, we were revised and offered AIP for 319k.

When I asked what the difference was, I was told that the first person had assigned us both as PAYE Private not PAYE public, but running me as PAYE Public reduces the amount we can borrow. He couldn’t explain why, but did say that if I applied by myself I could borrow more?

My partners income is part time at around 10,000 while I earn around 80,000 working full time. It seems that for some reason, his part time lower income reduces our borrowing power when I’m a public sector employee, but not when I’m a private sector employee.

Does anyone know if this is just a random quirk of BoI, or is there a rule from the central bank I should be aware of? Or is it beyond comprehension without some sort of financial degree?

because i will never fumble the bag as hard as her loser ex bf did.

like imagine cheating on ur smokeshow pop star girlfriend right before she hits the biggest point of her career so far and then she announces a whole album about how ur the worst man in America and the lead single is a song about what a douchey loser cheater you are.

yikes.

Hi there. Sorry I don’t know how to explain what I mean. Essentially, my wedding plan looks like:

Morning: Ceremony in a 20 person capacity venue

Afternoon: Ceremony finished, photos, casual drink reception and canapés in area beside ceremony venue for ceremony guests. Additional guests welcome to join and make our way to reception venue together

Early evening: seated dinner, venue capacity 80 - anyone not at the ceremony invited to join at 5pm for drink on arrival, dinner, speeches etc.

Late evening - night: DJ/Party. Same venue as dinner but standing capacity is 175, so we’re going to hopefully have 40 people invited to just this stage.

Night: my partner and I have booked a hotel - guests are welcome but not obligated to book into the same hotel. If we have a small enough group we will have a quiet drink in the hotel late bar to finish the night.

I feel like I’ve kind of backed myself into a corner where I’m risking upsetting everyone invited to the wedding? Since only 20 people are coming to the ceremony, 60 “dinner and later” invitees are going to be offended. Then, about 40 “afters only” invitees are going to be upset too?

Should I elaborate that the ceremony is small and minimal? and the dinner venue is small? Should I do four separate invite types depending on which parts people are invited to? And if people RSVP no, how do I handle “upgrading” someone from “afters only” to “full reception”? What about save the dates?

Thanks for any help! My wedding isn’t until November 27 and I’ve already worked myself into a nervous wreck.

I want to have a nice white bag for my wedding but the idea of spending $$$-$$$$s for an accessory I’ll wear a few times feels beyond ridiculous. I have a personal rule about not buying expensive white things because I’ll almost definitely stain them pretty quickly.

But, something about wearing a rep in my wedding feels wrong! Maybe it’s my superstition or something but it feels like it cheapens the ceremony or something. As I type this I realise it sounds like internalised classism or something - lol

Just wondering if anyone included a rep in their outfit for an important event like a wedding?

Also any suggestions for a nice minimal white bag? 👀

And I mean everyone 💕

Everyone out celebrating, everyone watching from home, my trans siblings, my bisexuals in “hetero” presenting relationships, my allies, the guy sat beside me in the chair-o-planes who complimented my hair,

Everyone! I hope we all had a lovely day and let’s keep the gorgeous community feeling going for the year.

Love you all 💕

My fiancé and I just got engaged and are beginning to plan a wedding for Winter 2027. We’d like to do it in Dublin, ideally the city or near the city.

I was just wondering if anyone has standout experiences from any venues, as a guest or as the couple, that you would recommend?

We’re looking to do a very small civil ceremony and happy to do it in the same venue as the reception or have them separately. We initially wanted city hall but it’s fully booked for any of the dates we wanted for 2027 or 2028 so we’re open.

We’re looking at a small ceremony of about 25-40 people followed by a reception of about 100 people for dinner and drinks and a dance. Our priorities would be food quality and venue aesthetics for photos (we’re open to anything but don’t really want anything tacky like an outdated hotel carpet). Budget is about €120pp for the meal and about €2000 venue hire fee for a ceremony venue.

If anyone has any standout occasions I’d love to hear them!

Yes, THAT Rebecca Black, of viral video “Friday” fame. She’s gone real pop-electronic with her music. I’ve had the pleasure of seeing her live twice and she is so fun, energetic and talented.

Music video on YouTube and the song is available to stream everywhere!

I’ve listened for a few years and I’ve always really enjoyed her music, but since WGIA I’ve become bso fond of her attitude and approach. I don’t know if it’s parasocial but I really think highly of her and the more I engage with her content (like interviews etc.) the more I inspired I feel.

I’ve always wanted to be more creative but never taken the time to do it, but hearing her talk about her creative processes and making her own outfits I just got the urge! A local drag queen hosted a Slayyyter night recently and I made my first ever wearable item! It was just a white T-shirt that I cropped with my sewing machine and painted the dollar sign logo on, but I was really delighted with myself. Idk. Random thoughts.