r/HousingIreland

Hi,

I'm looking for some advice on following situation.

I'm involved in the chain sale,

Trying to sell one property and get a new one with the help of mortgage

Loan offer from AIB for new property has special condition specifying the sale of my existing property must be unconditional. Yet the contract of sale of my current property - already signed by the buyer - has following condition: Subject to loan drawdown.

Now, my solicitor states this is standard practice for buyers to include that clause, and then AIB states that they always add their special conditions to these types of loan offers.

Result is, my solicitor states we are unable to proceed, as we are not able to satisfy banks demand for lack of unconditional sale

For me, whole situation doesn't make sense, as obviously thousands of such transactions are carried out every year.

My solicitor wants bank to drop special condition, but AIB doesn't want to do that.

So, who the hell is not doing their part ?

Anyone with similar experience?

Thanks.

Hi all,

How long does it usually take to get the actual loan offer? We got the surveying done. Re snag is Tuesday. We’re with Avant Money, and I was wondering how long it took for others. Thanks very much!

EDIT: Got news this afternoon that the mortgage extension was approved. To anyone else going through it - I see you!

I wanted to get a consensus of a how holiday looks for a mortgage extension and nearing drawdown.

I'm going to a festival in Spain at the start of June. I paid for the AirBnB months ago as well as the festival ticket. I thought I would be in the house now, but it's a new build, so delays were inevitable. I just today booked flights as I was waiting for my Revolut points to build up to get a good whack off them.

I'll be keeping costs low while there - getting drinks and food from the supermarket for the AirBnB before heading into the festival each day. I'll still be saving as normal.

Writing this all out, I know it's all fine, I think. But I'm very anxious towards the end of the mortgage process.

A smallish estate of new builds nearby are selling slowly. It’s 20km outside Cork city. Are they more likely to have a higher percentage of social housing or would the council also be slow to purchase them due to poor transport links? I mean, there’s a bus but no rain cover at the stop and it’s relatively infrequent.

Hi all,

We have booked a new build 3 bedroom terrace in Furzefield, Swords (The Pheasant).

500k and using HTB of 30k, so deposit cash expense only 20k.

However, from my understanding these New Builds still need floors, shower doors, cupboards, kitchen appliances etc.

Does this not come to about 20k or 25k anyway, effectively scrapping the benefit of the HTB?

I have no idea what these types of things cost (having only ever rented).

Advice much appreciated!

Hi Folks,

Brother is living in Navan, old council estate where houses are jigsaw pieced in together. A neighbour next door has a small back garden and my brother has a big back garden.

Neighbour called in and asked if the brother would be okay with him partitioning off his garden and taking some of it. Agreed that they'd obviously pay for it, etc. but just wanted to float the idea to my brother and get a general reaction.

Brother's back garden is about 20 meters long and he's a terraced house so just the width of the house (no side entrance or such). The neighbour wants to take approximately 35-40% of the garden.

Now, my brother doesnt use the garden at all, really. It's just grass and he cuts it now and again, which he finds annoying, so the idea of selling it is appealing enough, but he wants to figure out;

1. how much do you generally charge for garden space? He's not particularly friends with the neighbour. They get on alright together, but they're just neighbours and rarely cross paths. Neighbour is very polite and courteous and was stressing that it's not an issue if the brother says no, so he's obviously afraid of making things awkward.

2. What's the legal situation here? Can he just partition the garden off with a concrete wall, and both of them sign a plain-english Chat-GPT-written contract that lays out whats going on? Or is there a need to involve government bodies or such to change the boundaries? If so, is there a cost involved?

Cheers for any advice in regards to this. Not sure where to start with it. Did google and found some US and UK discussions but nothing with any real substance in regards to what to do or how to proceed.

Cheers folks.

We recently made an update to our renovation calculator. You can still manually calculate the cost of a renovation in Ireland, but now you can also use AI Snapshot to pull the data for you. You just have to paste a URL from MyHome.ie or Sherry Fitzgerald or other agents (except daft 😔) or upload a photo of a kitchen or bathroom. My thinking was if I am at a home viewing to buy it can give me a quick sense of how much it could cost.

I'd love for you guys to check it out and let me know what you think! Any feedback is welcomed.

But also, I built this because I'm in the market for a home and every other house needs a renovation. Now that I actually know the costs, the math is just not mathing? Are people out there genuinely doing full renovations and just paying the extra cost? Or is everyone just... not doing them? If you did do a full reno, was it worth it?

Curious to know!

Thanks!

Hi, not sure if this is the right place to ask but will ask it anyway.

I live in Ireland with my wife, in Dublin. We are expecting a baby.

Our rent essentially works out at 2800 a month. It is ludicrous. (We had a pretty nice rental deal but that landlord decided to sell and now we are spending huge amounts).

So my question is: has anyone ever bought a house, knowing they will likely make a loss, but at least it is better than the guaranteed loss of renting?

Hi all, i am currently searching for our future home. We have been searching multiple places in Dublin and we like Dublin South especially that it near the hill with amazing view. One of the area that we are both considering seriously is White Pine Central, new one beside beside White Pine Lane and just beside stocking avenue. The only concern is that that place may have road built and connected to a road directly opposite of halting site, Stocking Hill. I, myself don't have any experience with traveller before, so I am not sure if this gonna be a good decision or not. Would you guys give advice based on your experience on this topic?

We've just put down deposit on a 3 bed duplex in Swords with Glenveagh (ground floor + 1st floor). However, we're not entirely happy with the house as its a duplex and we've always wanted an independent house so we're quiet double minded. However, the prices in Dublin are going way above 500k now so we won't be able to use the HTB.

Is any of you guys living in a duplex? What could be the potential issues we'd face?

Is it better to:

1. Go ahead with this purchase? OR

2. Book a 2-bed apartment? OR

3. A house 30-50km away from Dublin? OR

4. Save more and buy a second hand house later?

For reference, we work in Dublin and the kids have schools in the city center.

I am in the process of purchasing a new build appartment which comes with an underground parking space.

In my current building, the parking space I have is especially bad (it is one of the very few which aren’t fully covered, has a large concrete pillar obstructing part if it on one side, and a water pipe hanging pretty low above the space). You can only park a relatively small (and not too tall) car with difficulty and the car tends to get dirty from the air vent above which is surrounded by bushes at ground level. I would like to avoid this happening again in my new place.

I will ask to the agent managing the sale anyway, but I was wondering if it is considered a fair ask to request see the specific parking space before signing a contract and possibly ask for a swap if you got assigned a poor one? Is it something developers would entertain if they still have other spaces to swap with?

Hi All,

Currently looking at a house with a septic tank, there is access to the septic tank in the yard but it's right up against the bounds ditch , I'm concerned that it might actually be buried on neighboring land as its a field beside the house.

Asked the auctioneer who basically pointed to the access point and that was the extent of their knowledge.

I was going to bid low and get a company to inspect it before I went down the solicitor/engineer side of things so if all I lose is the inspection on the tank location so be it.

Any one deal with this previously have any advice.

Thanks in advance.

How long were you waiting for your EirCode to become active for Fibre Broadband - New Build.

Is there anything who you can contact or somewhere to get clearer information? Service providers aren’t being very helpful

Hey everyone,

Our solicitor has requested that we pay 10% of the purchase price upon signing the contract. However, the developer (new build) has stated in the contract that they require a significantly smaller amount.

The keys are expected to be handed over in 3-4 months.

Is this a standard practice?

Looking at a new build with an A2 BER rating. Heating is radiant electric panels powered by solar panels and a 5kWh battery.

SEAI advisory report rates the space heating as “Very Poor” and recommends installing a heat pump.

Is this normal for 2026 new builds? Seems like the developer achieved the A2 rating through the solar panels rather than having an efficient heating system.

Anyone dealt with this before?

On a regular basis I see threads on here highlighting increased antisocial behaviour by social housing tenants.

It's topical on the news at the moment with lovely new built apartments on the Malahide Road in Dublin where things seem to have gotten to a very bad state.

It seems socially unacceptable to say that there seems to be a huge correlation between anti social behaviour and the number of social housing units in an area or estate or apartment block.

Of course we can't "tar" every individual with the same brush.... but we can talk in general terms, no?

An area of only social housing can lead to slums so mixed living is the way we do things... but that is no comfort to people who bought an apartments and realise that a large percentage of their neighbours are social housed and and a handful are very bad neighbours and the council won't do much about it so their lives can be disrupted for years while trying to sort out this mess.

If I found out that the council bought half the houses in my estate and there were going to be social houses I would put my house up for sale that day.

For people buying apartments or houses how can they find out the number of social houses within their area or apartment block in advance of buying so they can make an informed choice about buying?

I've noticed some new build apartments rated B2 have holes in the walls for ventilation, are we still doing the 4 inch pipe in the wall instead of smart ventilation systems? It seems mad in this day and age.