applying for a mortgage

[the impossibilist]

thanks for all the cool advice we wont qualify for rent allowence .we will be just over the line for that but im glad becuse i had to go on it when my eldests dad fecked off and didint help at all and the awful way people look at you over it so im just glad we will afford some kind of roof over our heads and it will be on our terms as you have all said there crying out for tenents.all the advice was brill it was a pro vs con which is what we need to do.we will wait at least a year id say and keep an eye on the market xxxxxx

Even if you can't get rent allowance, you are surely entitled to claim a tax rebate on your rental costs.

I have about three years to back claim. It's prob only a few hundred but, it's my money, not theirs.

I would urge everyone to use the Revenue to their own advantage. Get the info. from them, and claim your allowances.

[mindyk007]

can you get tax relief for renting?i didnt know that, not that this is relivent but do you know can you get tax relief if your paying childcare?

[robert151410]

thanks for all the cool advice we wont qualify for rent allowence .we will be just over the line for that but im glad becuse i had to go on it when my eldests dad fecked off and didint help at all and the awful way people look at you over it so im just glad we will afford some kind of roof over our heads and it will be on our terms as you have all said there crying out for tenents.all the advice was brill it was a pro vs con which is what we need to do.we will wait at least a year id say and keep an eye on the market xxxxxx

I do believe another sinner has been saved. If you do feel like reoffending, you may want to cleanse any evil thoughts of property purchase by reading thepropertypin for a few hours. the threads are relentlessly negative and should give you some cause for caution.

[SamVimesBoots]

Good luck! Remember the deposit thing though - the banks aren't really announcing it but unless you can show them you are into the habit of putting money aside, they'll never give you a mortgage. Even if it's only €100 a month, but you must demonstrate a record of saving and financial discipline.

Do that, and your mortgage application when the times comes will be much smoother.

Edit: And yeah, if you are earning and paying income tax and renting, then you are entitled to a tax rebate at the end of the year. It's only a couple of hundred euro, but as the man said, it's your money, not theirs. It's simple, you just fill in a quick form and send it off to the Revenue, they send you back a cheque

[mindyk007]

ok kind of get what you mean ,lol will have a read this is an education in itself why dont they teach it in schools?