u/thesouthdubliner

Hi, I’ve got AIP with BOI as self employed and recently went sale-agreed for a new 2 bedroom apartment.
I received the contract where there is no mention of subject to loan offer clause.

Now I’m working with the lender to get the loan offer in place.

In meantime I’m also thinking all bad scenarios, such delay on closing the deal. What happens if developer did not complete the building and my loan offer expires or my current contract ends? What usually BOI would ask to get the loan offer extended?

I’m a self employed, and given that, I’m getting work contracts in a 6-8weeks frequency. Would there be any risk to get assessed by the bank again with no active contract in hand from the initial AIP?

Any experience shared is much appreciated. I don’t wanna miss this opportunity but also don’t want to lose my deposit for a mere issue of timings.

As titles says I'm now having a second thought about signing this contract.

South dublin area - if you know, you know

Between the date of open viewings, the submit of booking deposit, it took a week to receive the contract.
I'm working with my broker lender but they seems unresponsive and they do not look like they are working on the loan offer. So now I'm also rushing over different lenders to get a last minute loan offer.

How can somebody possibly sign a contract and put themself in risk to lose deposit with no subject to loan offer clause, with 24 months span from developer to have the build ready?

Even if constellation and all the stars are aligned, there's no way to have all paper works in place is such short time frame.

I've been spamming my solicitors, my broker, my accountant, sending timed emails to be on top receivers inbox, but not receiving any proactiveness from other parts.
I'm now having this though of maybe let things go and pull out but looks such a good opportunity to miss.

Hi,
I got sale agreed and moving forward with my purchase process for a new building.
I'd like to apply for HTB, but I haven't filed the last year (2025) tax return (form11).

I paid around a total of 80k in Income Tax spread across the other remaining years (2022, 2023, 2024).
Should it be sufficient to access to the max amount fund for the HTB?

Anyone had this experience or heard anyone with same situation?

What if I apply now, then rush over to file form 11 for 2025 and amend the application and start fresh including all 4 years? Does anyone know if Revenue.ie allows this scenario?

30M, with about 430k AIP and 120k in cash.
Tomorrow is my big day, will be meeting the estate agent on exclusive viewing before it going to public.

I already know what I want and how much I’m willing to be in debt. Looking for south west and top floor.

Ill be there 2hours ahead, so that I can be right the first in the queue of the sales office with my laptop and proof of funds, ready to make the instant transaction for the booking fee.

Wish me good luck. I am nervous as I’ve always been a free bird with no debts, and right here is a big commitment. Half a mil in debt doesn’t look good but thinking about the equity ill be building, it numbs the nervous feeling.