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What other buyers in Ireland ran into
267 real stories, sorted by stage. Open the one you're at.
While you wait, here's what other buyers ran into at your stage.
Getting mortgage approval · 24 stories “Our unusual job contracts capped our mortgage at just €235k.”
Central Bank limits, the 10% deposit and few lenders for non-residents
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“Our unusual job contracts capped our mortgage at just €235k.”
Worth reading because it shows how non-standard contracts cut borrowing even on a €100k+ joint income.
TheJournal.ieRead the post ↗ -
“My AIB mortgage was declined after I had already got AIP.”
The replies explain how CCR blips can derail AIP and which lenders may assess them differently.
Reddit · 20+ repliesRead the post ↗ -
“Our home abroad meant no first-time buyer help here.”
You'll learn which supports remain for returning emigrants who already owned abroad, and which don't.
The Irish TimesRead the post ↗ -
“A 2008 loan in my name surfaced and my mortgage was refused.”
Useful thread because it shows why checking your CCR before AIP can uncover debts you did not know.
Reddit · 50+ repliesRead the post ↗ -
“BOI pulled my mortgage offer after I changed to fixed-term.”
The replies explain why a job change after AIP can trigger fresh underwriting before loan offer.
Reddit · 50+ repliesRead the post ↗ -
“We hoped for €180k, but our three offers topped out at €120k.”
Useful discussion because the replies show how existing debt can crush borrowing despite home equity.
Reddit · 20+ repliesRead the post ↗ -
“We bid above our AIP and suddenly needed proof of extra funds.”
The replies explain how bidding above AIP changes the proof-of-funds conversation with the agent.
Reddit · 20+ repliesRead the post ↗ -
“My relative's €270k sale agreed was valued by BOI at €230k.”
Useful thread because it shows how a bank valuation can diverge sharply from a sale agreed price.
Reddit · 20+ repliesRead the post ↗ -
“PTSB declined us over old missed credit union payments.”
You’ll see how old missed payments can survive on the CCR and how another lender may treat them.
Reddit · 20+ repliesRead the post ↗ -
“The bank valuation came in €36k below our agreed price.”
You’ll learn how a bank valuation changes the cash gap even when your loan offer looked sufficient.
Reddit · 20+ repliesRead the post ↗ -
“Lenders offered me barely 80% LTV instead of four times.”
Useful discussion because the replies unpack LTV limits and why a headline 4x multiple may not apply.
Reddit · 20+ repliesRead the post ↗ -
“AIB and BOI rejected my two permanent part-time jobs.”
Worth reading because it shows how lenders can treat multiple part-time jobs differently at AIP.
Reddit · 20+ repliesRead the post ↗ -
“BOI left our mortgage application waiting for eleven weeks.”
Useful thread because returnee paperwork and foreign credit checks show where underwriting can stall.
Reddit · 20+ repliesRead the post ↗ -
“PTSB capped us at four times and ignored overtime and bonus.”
The replies explain how overtime and bonus income can be excluded even when salary multiples look fine.
Reddit · 50+ repliesRead the post ↗ -
“My fiancée’s deposit money risked being treated as a gift.”
You’ll see what banks may ask when one partner funds the deposit but is not on the mortgage.
Reddit · 20+ repliesRead the post ↗ -
“Our AIP expired, then the new approval gave us €40k more.”
The replies explain how an expired AIP changed the budget and which documents the fresh approval needed.
RedditRead the post ↗ -
“Six weeks sale agreed, BOI still hadn't issued our loan offer.”
You'll learn which missing bank documents can keep a BOI loan offer from issuing after sale agreed.
RedditRead the post ↗ -
“The bank valued our flat so low we could not cover the gap.”
You'll see how a low bank valuation can force a buyer to renegotiate or find a much larger cash gap.
Reddit · 20+ repliesRead the post ↗ -
“We agreed €425k, but the bank valuation came back at €385k.”
You'll learn how a low valuation changes the maximum mortgage even when the agreed price is affordable.
Reddit · 20+ repliesRead the post ↗ -
“PTSB said no to my foreign earnings, AIB counted only 80%.”
You'll see which lenders discount foreign earnings and what evidence can strengthen the application.
AskaboutmoneyRead the post ↗ -
“Our Help to Buy was cancelled after our booking deposit.”
The replies explain which Revenue filings can cancel Help to Buy and what to fix before reapplying.
RedditRead the post ↗ -
“We're over 70 and the banks won't give us a bridging loan.”
You'll see why age rules can block bridging finance, even for owners with two debt-free homes to sell.
The Irish TimesRead the post ↗ -
“Nua would not count my wife’s sterling income at all.”
Useful thread because it shows how Irish lenders haircut foreign income, and how sterling pay is treated.
RedditRead the post ↗ -
“Four lenders refused me over old missed credit payments.”
You’ll learn how older missed payments affect underwriting even after debts have been fully cleared.
RedditRead the post ↗
Hiring a solicitor early · 17 stories “Six weeks sale agreed, and the vendor's solicitor sent nothing.”
Title documents, the 6–12 week timeline and who does the checks
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“Six weeks sale agreed, and the vendor's solicitor sent nothing.”
You'll learn what your solicitor can chase when the vendor side hasn't issued a single contract paper.
Irish ExaminerRead the post ↗ -
“Our solicitor had no information after a month of chasing.”
Useful thread because it shows when solicitor silence becomes a real blocker after sale agreed.
Reddit · 20+ repliesRead the post ↗ -
“We're sale agreed, but the bank has held the deeds for 8 weeks.”
Owners show how long bank deed releases can stall contracts even after sale agreed.
Reddit · 20+ repliesRead the post ↗ -
“We paid our booking deposit, but the bank still holds the deeds.”
You'll see how title deeds held by a seller's bank can leave contracts waiting for months.
Reddit · 20+ repliesRead the post ↗ -
“A month after sale agreed, the title deeds still weren't sent.”
You'll learn which vendor documents should arrive early and when repeated chasing becomes a warning sign.
Reddit · 20+ repliesRead the post ↗ -
“Six weeks after sale agreed, the seller still had no contracts.”
Useful thread because it shows how seller-side delays can leave a sale agreed buyer without contracts.
Reddit · 20+ repliesRead the post ↗ -
“A month passed before contracts came, with key papers missing.”
You'll see which missing contract papers can stretch a straightforward sale agreed timeline by months.
Reddit · 50+ repliesRead the post ↗ -
“I paid the booking deposit, then nothing moved for two months.”
You'll learn what can still be progressed while the seller's lender releases the deeds.
RedditRead the post ↗ -
“Our solicitor missed documents, adding at least six weeks.”
Worth reading because one missing council approval pushed closing toward the loan-offer expiry.
RedditRead the post ↗ -
“We went sale agreed in September, but contracts still aren't in.”
The replies explain what can delay receiver contracts and why pre-contract queries keep a sale waiting.
RedditRead the post ↗ -
“We had our loan offer, but a compliance cert delayed us.”
You'll learn how a missing certificate of compliance can hold up contracts despite a loan offer.
RedditRead the post ↗ -
“My solicitor went silent while the vendor threatened to walk.”
The replies explain when solicitor silence warrants escalation and what to document first.
RedditRead the post ↗ -
“We're loan approved, but the title deeds still haven't arrived.”
You'll see how buyers chase bank-held title deeds through both solicitor and auctioneer.
Reddit · 20+ repliesRead the post ↗ -
“We went sale agreed, but no draft contracts have arrived.”
Useful thread because buyers compare normal waits for draft contracts and title deeds.
Reddit · 20+ repliesRead the post ↗ -
“We paid a €10k booking deposit, but probate still blocks us.”
The replies explain how probate timing affects when a vendor solicitor can issue contracts.
RedditRead the post ↗ -
“We went sale agreed, but probate was filed two months later.”
You'll learn how probate queries and late filings can stretch a sale agreed for months.
RedditRead the post ↗ -
“We're sale agreed, but the seller's bank still holds the deeds.”
The replies explain how bank-held deeds can delay contracts even when the buyer is mortgage-ready.
RedditRead the post ↗
Bidding on the property · 28 stories “I was €45k above asking and the vendor still would not sell.”
Online bidding, low asking prices, ghost bids and no proof of funds
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“I was €45k above asking and the vendor still would not sell.”
You’ll learn what a stubborn vendor can mean even after a strong bid, and when to set a deadline.
AskaboutmoneyRead the post ↗ -
“After a week of bidding, the agent asked for best and final.”
You'll see how blind best-and-final rounds work, and why you can't counter an offer you never see.
Irish ExaminerRead the post ↗ -
“I bid €50,000 over guide, and I doubt the rival bidder was real.”
You'll learn what a buyer can ask the agent when a rival bidder may not exist, and what the law says.
Irish IndependentRead the post ↗ -
“The seller chose a cash buyer who offered €20k less than us.”
The replies explain why a cash buyer may beat a higher financed bid and how sellers judge certainty.
Reddit · 50+ repliesRead the post ↗ -
“I bid 5% over asking, but the seller still wanted much more.”
You'll learn what choices remain when you're the only bidder above asking but the seller wants more.
Reddit · 50+ repliesRead the post ↗ -
“Almost every house we bid on went €50,000 over the asking price.”
You'll see how far Cork asking prices sit below final bids, after 50 viewings and a year of offers.
TheJournal.ie · 20+ repliesRead the post ↗ -
“We stayed highest bidder for weeks while more viewings ran.”
Useful thread because buyers explain when to stop bidding against yourself while viewings continue.
Reddit · 20+ repliesRead the post ↗ -
“Every property turned into €1k and €3k bidding jumps.”
The replies explain how small bid increments prolong a contest and how buyers set a hard ceiling.
Reddit · 50+ repliesRead the post ↗ -
“We paid the booking deposit but feared we had overbid.”
You'll see how to sanity-check a winning bid against recent sales before contracts.
Reddit · 20+ repliesRead the post ↗ -
“The last 30 minutes added €50k and I still lost the house.”
You’ll learn how last-minute auction-style jumps happen and why a pre-set walk-away price matters.
Reddit · 20+ repliesRead the post ↗ -
“We led at €327k, then someone jumped straight to €345k.”
You’ll see how one large jump changes the bidding dynamic and why chasing it can be expensive.
Reddit · 100+ repliesRead the post ↗ -
“The estate agent got angry when we withdrew our highest bid.”
The replies explain why a highest bid is not binding and how to withdraw cleanly while still bidding.
Reddit · 100+ repliesRead the post ↗ -
“I'm highest bidder, but the seller keeps asking me for more.”
You'll see how to react when you're already top bidder but the seller refuses to close bidding.
Reddit · 20+ repliesRead the post ↗ -
“Our agent shut the bidding portal and moved us to blind bids.”
Interesting because blind email bids remove the visibility buyers had in the online bidding portal.
Reddit · 20+ repliesRead the post ↗ -
“We saw bidding jump €105k in an hour and keep climbing after.”
Useful thread because it shows how quickly Dublin bidding can detach from asking price and repair costs.
Reddit · 20+ repliesRead the post ↗ -
“The tenants in the house I want to buy won't let me view it.”
You'll learn what a buyer can do when sitting tenants block viewings and vacant possession is unclear.
The Irish TimesRead the post ↗ -
“I was convinced I was bidding against a phantom bidder.”
You’ll see what made the buyer suspect a phantom bid and how they changed tactics on the next house.
Reddit · 50+ repliesRead the post ↗ -
“We have been outbid and gazumped for almost two years.”
Owners show how repeated gazumping changes bidding limits and when buyers finally decide to walk.
Reddit · 50+ repliesRead the post ↗ -
“A new bidder appeared after my underbidder had dropped out.”
You’ll learn which signs suggest a dormant bidder may return and why silence is not sale agreed.
RedditRead the post ↗ -
“The portal pushed us from €340k to €370k, then went quiet.”
Worth reading because the thread compares portal bidding with a direct final-offer strategy.
Reddit · 20+ repliesRead the post ↗ -
“This time I bid the asking price and nobody bid against me.”
You’ll see why being the only bidder does not mean something is wrong, and what checks matter next.
Reddit · 20+ repliesRead the post ↗ -
“A late bidder pushed us €53k above asking, so we stopped.”
Useful discussion because it shows how a personal ceiling prevents auction fever from taking over.
Reddit · 20+ repliesRead the post ↗ -
“We've been top bidder for a week, €15k over, with no rival bid.”
Worth reading because it shows what a stalled highest bid looks like when no competing offer appears.
RedditRead the post ↗ -
“I viewed 40 to 50 houses and bid on more than half of them.”
Useful thread because it shows how online bidding becomes a fast auction that pushes buyers past limits.
TheJournal.ieRead the post ↗ -
“Our agent wanted savings and equity proof before taking my bid.”
You'll learn why an estate agent may ask for savings, equity and AIP evidence before accepting a bid.
RedditRead the post ↗ -
“At €400k, our agent relisted the house on Daft for new bidders.”
Interesting because it shows how an agent can reopen bidding once your offer crosses a price bracket.
TheJournal.ieRead the post ↗ -
“Buying alone on one income, I was outbid on every property.”
Useful discussion because a solo buyer shows what changed before she finally secured a home on one income.
The Irish TimesRead the post ↗ -
“It took three emails and a call just to get my bid logged.”
Useful thread because it shows why every bid should be confirmed in writing, not just by phone.
RedditRead the post ↗
Going sale agreed · 20 stories “We paid a deposit, then learned the house was sold months ago.”
The refundable booking deposit, and gazumping until contracts
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“We paid a deposit, then learned the house was sold months ago.”
Worth reading because it shows how little a deposit protects you while the contracts are unsigned.
Irish ExaminerRead the post ↗ -
“Our booking deposit was paid, then another €10k offer arrived.”
You’ll see why a booking deposit does not stop gazumping and what becomes binding only later.
Reddit · 50+ repliesRead the post ↗ -
“We paid our booking deposit, and a year on we're still waiting.”
Interesting because it shows how a new-build sale can stall for a year before contracts are signed.
Irish IndependentRead the post ↗ -
“The vendor got cold feet three weeks after we went sale agreed.”
The replies explain what money is at risk before contracts and how buyers can keep searching.
Reddit · 20+ repliesRead the post ↗ -
“Our seller’s own purchase collapsed after we went sale agreed.”
You’ll learn how a vendor’s broken onward chain can stall your loan offer and closing timetable.
Reddit · 20+ repliesRead the post ↗ -
“The vendor pulled out after I had already spent over €800.”
You'll see which pre-contract costs stay exposed when a vendor walks away after sale agreed.
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“Our buyer’s buyer pulled out just before contracts were signed.”
The replies explain how to manage an onward purchase when your own buyer’s chain suddenly breaks.
Reddit · 50+ repliesRead the post ↗ -
“Three different buyers have pulled out of our sale since July.”
You’ll see why repeated buyer withdrawals happen before contracts and what sellers can screen for.
Reddit · 50+ repliesRead the post ↗ -
“We went sale agreed, then the agent asked for an 8% booking fee.”
You'll learn what to check before paying an unusually large booking deposit after going sale agreed.
Reddit · 20+ repliesRead the post ↗ -
“We went sale agreed, but the owners had nowhere else to go.”
Worth reading because the replies show how to handle a vendor who has not secured their next home.
Reddit · 20+ repliesRead the post ↗ -
“Our chain has dragged since July and we still have no key date.”
The replies explain where chain delays build up and which party your solicitor can actually chase.
RedditRead the post ↗ -
“Our vendor had already lost one buyer while waiting to buy.”
You’ll see why asking about the vendor’s onward purchase early can expose a fragile chain.
RedditRead the post ↗ -
“Three sale agreeds collapsed on us, two when vendors pulled out.”
Interesting because three collapsed sale agreeds show how little protection exists before contracts.
RedditRead the post ↗ -
“We did the survey and valuation, then the vendor pulled out.”
You'll see why survey and valuation spend is still at risk until the vendor is contractually bound.
Reddit · 20+ repliesRead the post ↗ -
“The sellers pulled out after nearly three months sale agreed.”
Useful thread because buyers compare when to wait for a seller and when to restart viewings.
Reddit · 20+ repliesRead the post ↗ -
“Our buyer pulled out while we were buying our next home.”
Useful discussion because sellers explain how one broken link can threaten two transactions at once.
Reddit · 20+ repliesRead the post ↗ -
“Months later, our vendor still had not returned the contract.”
The replies explain why an unsigned vendor contract matters and when to resume viewing alternatives.
RedditRead the post ↗ -
“My family went sale agreed, then learned the buyer had to sell.”
You’ll learn why proof of funds is not the same as a chain-free buyer and what to verify before agreeing.
AskaboutmoneyRead the post ↗ -
“We went sale agreed, but the vendors still had no next home.”
Useful thread because it shows how buyers can put a long-stop date around an open-ended vendor chain.
RedditRead the post ↗ -
“Nine weeks after sale agreed, the buyer wanted a loan clause.”
Useful discussion because it shows how a finance clause can appear late and how sellers can limit it.
AskaboutmoneyRead the post ↗
Getting the survey and BER · 25 stories “We'd just gone sale agreed when the survey found spray foam.”
Structural survey, pyrite, mica blocks and the energy rating
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“We'd just gone sale agreed when the survey found spray foam.”
You'll see why spray foam in an attic worries lenders and surveyors, and what to check on the roof.
The Irish TimesRead the post ↗ -
“Our survey found cracks, then drain tests showed subsidence.”
Useful thread because drain testing after visible cracks exposed suspected subsidence.
Reddit · 50+ repliesRead the post ↗ -
“My engineer said demolish, but the scheme offered only repairs.”
Worth reading because it shows how mica redress can be downgraded despite the owner's engineer report.
RTÉ NewsRead the post ↗ -
“Our survey found woodworm, damp and an uncertified wall.”
You'll learn which survey findings trigger specialist damp, woodworm and asbestos checks.
Reddit · 20+ repliesRead the post ↗ -
“Our surveyor says the shared chimney may need rebuilding.”
Worth reading because it separates routine upgrades from a shared chimney needing major work.
Reddit · 20+ repliesRead the post ↗ -
“The survey showed our 2014 house was mostly built in 2007.”
Useful thread because the build date changed the pyrite risk and triggered a costly specialist test.
Reddit · 20+ repliesRead the post ↗ -
“The BER showed the house was much smaller than advertised.”
You'll learn whether a floor-area gap found before contracts gives you grounds to ask for a lower price.
The Irish TimesRead the post ↗ -
“My survey found rising damp, timber rot and broken drains.”
Owners show which old-house defects justify CCTV drains and further timber investigation.
RedditRead the post ↗ -
“Our survey found possible asbestos throughout the old house.”
You'll learn when buyers order a specialist asbestos survey before deciding whether to renegotiate.
Reddit · 20+ repliesRead the post ↗ -
“Our survey says the roof, drainage and asbestos may all cost us.”
Useful thread because the engineer separated urgent defects from work that can wait before closing.
RedditRead the post ↗ -
“Our survey found fire-stopping gaps and possible asbestos tiles.”
You'll learn which survey findings led the buyer to get quotes before deciding whether to proceed.
RedditRead the post ↗ -
“The survey put about €80k of work between us and the keys.”
Useful thread because the survey turns roof, floors and windows into an €80k buying decision.
RedditRead the post ↗ -
“Our survey found cracks, then an engineer confirmed subsidence.”
You'll learn how survey cracks, drain testing and a structural engineer changed the lender's decision.
RedditRead the post ↗ -
“After the survey, my buyer asked for €75,000 off the price.”
You'll see how a buyer can use survey findings to reopen the price, and where a seller pushes back.
The Irish TimesRead the post ↗ -
“Our survey flagged asbestos in several parts of the house.”
The replies explain when to test suspected asbestos and how buyers use the result to renegotiate.
RedditRead the post ↗ -
“We bought a 1990s house, then doubted its attic conversion.”
You'll learn which checks show whether an older attic conversion is safe, before or after you buy.
The Irish TimesRead the post ↗ -
“Our engineer said no structural issue, but the walls look damp.”
You'll see what buyers checked next when an apartment survey passed but damp and cracks remained visible.
RedditRead the post ↗ -
“Defective blocks left rooms in my house I cannot use at all.”
Owners show how defective blocks worsen over the years, bringing mould and electrical faults with them.
RTÉ NewsRead the post ↗ -
“We're sale agreed, but our solicitor doubts the pyrite cert.”
The replies explain the difference between pyrite cert types and who can verify them.
RedditRead the post ↗ -
“Every time I hear a crack, I ask myself if it's coming down.”
Interesting because a Donegal owner shows how defective blocks and a floodplain combine in one house.
RTÉ NewsRead the post ↗ -
“The estate agent says our septic tank breaches planning.”
You'll see why a septic tank's planning status needs checking before contracts are signed.
RedditRead the post ↗ -
“We're sale agreed, and a friend spotted damp all over the flat.”
You'll learn what to check when damp shows up after sale agreed, and when walking away makes sense.
The Irish TimesRead the post ↗ -
“My surveyor said the house was a money pit beyond repair.”
Worth reading because the survey caught defects hidden at viewings before the buyer drew down.
RedditRead the post ↗ -
“Two years after we bought, neighbours told us the area floods.”
Useful thread because it shows where an area's flood history is recorded, so you can check it first.
Irish ExaminerRead the post ↗ -
“My first flat, a 41 sq m one-bed, costs me a fortune to heat.”
You'll see which BER and building details explain a cold apartment, and what to check before buying.
The Irish TimesRead the post ↗
Checking title and planning · 20 stories “Banks and solicitors now advise buyers not to buy in our scheme.”
The solicitor's checks, unauthorised extensions and LPT receipts
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“Banks and solicitors now advise buyers not to buy in our scheme.”
You'll see why untransferred common areas make lenders and solicitors warn buyers off a whole estate.
The Irish TimesRead the post ↗ -
“The deeds showed the parking space we were sold does not exist.”
The replies explain why advertised parking still needs to appear correctly in the deeds before contracts.
Reddit · 50+ repliesRead the post ↗ -
“We converted our attic with no planning or compliance cert.”
You'll learn why an attic used as a bedroom without paperwork can stall a sale, and what buyers ask.
Irish ExaminerRead the post ↗ -
“My engineer found the new house has no commencement notice.”
Useful thread because an independent engineer found a missing commencement notice on a new house.
Reddit · 20+ repliesRead the post ↗ -
“My solicitor found most of the garden belongs to the council.”
You'll see why checking the folio against the garden matters before the bank relies on its valuation.
Reddit · 20+ repliesRead the post ↗ -
“The extension has papers, but the original house has none.”
You'll learn what buyers ask the seller for when planning records for the original house are missing.
Reddit · 20+ repliesRead the post ↗ -
“No planning permission and qualified title nearly sank our sale.”
Useful discussion because missing planning and qualified title multiplied lender checks.
Reddit · 20+ repliesRead the post ↗ -
“Missing title deeds cost me about €3k after five months.”
You'll learn why missing title deeds can make a property unmortgageable and waste months of buyer costs.
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“The council land beside our house still isn't on its folio.”
The replies explain why attached council land should be transferred onto the folio before signing.
RedditRead the post ↗ -
“Our folio refers to an instrument nobody can currently find.”
Worth reading because a referenced instrument can hold up a sale until its contents are checked.
RedditRead the post ↗ -
“We pulled out, then found possessory title on the next house.”
The replies explain how possessory access strips can affect lending and what Tailte Éireann may require.
RedditRead the post ↗ -
“Our 2001 extension has no planning permission on file.”
You'll see when retention planning is used and why the bank may need a qualified title.
RedditRead the post ↗ -
“Tailte rejected our boundary fix, so drawdown cannot happen.”
You'll learn why a rejected Tailte boundary application can stop drawdown even after sale agreed.
RedditRead the post ↗ -
“Six months in, boundary changes still held up our contracts.”
Useful thread because boundary redrawing and multiple legal parties kept contracts back for six months.
Reddit · 20+ repliesRead the post ↗ -
“I bought a period house and found a utility pole in the garden.”
You'll learn why wayleaves and service rights belong in the title checks before you buy a house.
The Irish TimesRead the post ↗ -
“Our solicitor found the original lease and deeds are missing.”
The replies explain what indemnity insurance may not solve when original title documents are missing.
RedditRead the post ↗ -
“Our survey found the land missing from the online Land Registry.”
You'll see why maps, boundaries and septic areas need checking against the Land Registry folio.
RedditRead the post ↗ -
“Our seller lost title deeds, and the right of way is unclear.”
Useful thread because several title defects appeared before contracts and threatened the mortgage.
RedditRead the post ↗ -
“The cottage I'm buying is split across four different folios.”
You'll see why matching the physical site to every folio can expose ownership gaps early.
RedditRead the post ↗ -
“Our bank questioned how the new folios split the house and land.”
You'll learn why a declaration of identity can matter when a property is sold from newly split land.
RedditRead the post ↗
Checking the apartment block · 28 stories “I'm sale agreed, but the OMC has no money to fix the block.”
The management company, service charges and fire safety defects
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“I'm sale agreed, but the OMC has no money to fix the block.”
You'll learn which OMC documents expose unfunded repairs and unpaid service charges before you sign.
The Irish TimesRead the post ↗ -
“My solicitor found only €1k in the block's sinking fund.”
Worth reading because the solicitor benchmarked the sinking fund against the size of the block.
Reddit · 20+ repliesRead the post ↗ -
“We tried to sell twice, but buyers couldn't get a mortgage.”
You'll see how defects in a block can make an apartment unsellable to buyers who need a mortgage.
RTÉ NewsRead the post ↗ -
“Our apartment's OMC has €115k in arrears across 56 units.”
Useful thread because the MUD requisitions exposed €115k of OMC arrears before contracts.
Reddit · 20+ repliesRead the post ↗ -
“Our lift is broken and the OMC says there's no money to fix it.”
Worth reading because it shows how a sinking fund can be short even when every owner pays into it.
The Irish TimesRead the post ↗ -
“My solicitor found the OMC is routinely running a deficit.”
You'll learn which OMC accounts reveal recurring deficits, levies and weak sinking-fund cover.
RedditRead the post ↗ -
“We found seven years of fire-remediation debt still unpaid.”
You'll see how MUD documents can uncover years of unpaid fire-remediation instalments.
Reddit · 20+ repliesRead the post ↗ -
“We went sale agreed, then found almost no sinking fund.”
The replies explain what to ask when a sinking fund is near zero but major works are coming.
RedditRead the post ↗ -
“My bank won't proceed without a fire safety qualification.”
You'll learn why a bank may stop an apartment purchase over unresolved fire-safety paperwork.
Reddit · 20+ repliesRead the post ↗ -
“My parents signed, then the bank got a Qualification of Title.”
Worth reading because fire-safety concerns surfaced after signing and put future OMC costs in focus.
RedditRead the post ↗ -
“My solicitor called this apartment a serious financial risk.”
You'll see how phased fire works and future levies can change the risk of an apartment purchase.
Reddit · 20+ repliesRead the post ↗ -
“Our management fee jumped to €4,200 just before closing.”
You'll learn which MUD figures and AGM decisions to check before signing an apartment contract.
Reddit · 20+ repliesRead the post ↗ -
“Our OMC accounts and AGM pack were already years out of date.”
Useful discussion because it shows which OMC accounts and AGM records can stall apartment contracts.
RedditRead the post ↗ -
“I'm still waiting on OMC fire, pyrite and accounts answers.”
You'll learn which OMC, fire, pyrite and accounts documents a solicitor may request before signing.
RedditRead the post ↗ -
“Our OMC spent €300k, but we still have no fire compliance cert.”
Worth reading because it shows why expensive fire remediation is not enough without certification.
RedditRead the post ↗ -
“A ceiling leak exposed structural balcony defects in our block.”
You'll see how water ingress can reveal block-wide balcony defects before apartment contracts are signed.
RedditRead the post ↗ -
“Our block had €16k in its sinking fund and a €55k lift levy.”
You'll learn which OMC figures expose weak finances: sinking fund, arrears, levies and service cuts.
Reddit · 20+ repliesRead the post ↗ -
“Fire defects hidden by the OMC made our bank withdraw the loan.”
Worth reading because hidden fire defects can make a lender withdraw after months of sale agreed work.
RedditRead the post ↗ -
“We know our block's structure and fire safety are not right.”
Useful thread because an owner shows how missing fire-stopping drives up insurance in a Dublin block.
RTÉ NewsRead the post ↗ -
“We found a €2,000 sinking-fund charge after sale agreed.”
The replies explain which OMC minutes and accounts to request when sinking-fund charges look abnormal.
RedditRead the post ↗ -
“Our service charge rose from €1,800 in 2019 to €2,750 now.”
You'll learn which OMC budget and sinking-fund trends to read before trusting today's service charge.
The Irish TimesRead the post ↗ -
“We're buying a flat in a block with no OMC or managing agent.”
Interesting because it shows what changes when an apartment block has no OMC or managing agent.
RedditRead the post ↗ -
“One majority shareholder controls every vote in our OMC.”
Owners show how a majority shareholder can control contracts, fees and votes in an apartment block's OMC.
The Irish TimesRead the post ↗ -
“I bought in a holiday village and now fight its board.”
You'll see which deeds, boundaries and letting rules of a holiday village to read before you buy there.
The Irish TimesRead the post ↗ -
“Our managing agent was adding a markup to repair invoices.”
You'll learn which managing-agent terms and OMC accounts reveal hidden markups on block repair work.
The Irish TimesRead the post ↗ -
“I think our duplex fund is paying for the apartment works.”
You'll see how ring-fenced building funds can get mixed across a development, and what owners can ask.
The Irish TimesRead the post ↗ -
“We'd inherit any fire-remediation fees if we sign now.”
You'll learn which OMC and fire-safety documents to inspect before accepting unknown remediation costs.
RedditRead the post ↗ -
“I'm sale agreed a third time, and fire defects surfaced again.”
Useful discussion because it shows how unresolved fire audits can make apartments unmortgageable.
RedditRead the post ↗
Signing contracts and the 10% · 24 stories “We signed and paid our deposit, then the builder was liquidated.”
The loan offer, the binding contract and the 10% deposit
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“We signed and paid our deposit, then the builder was liquidated.”
You'll learn what happens to signed contracts and paid deposits when a developer goes into liquidation.
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“I signed and paid the deposit, but the vendor never signed.”
The replies explain the risk of a seller not countersigning after you sign and lodge the deposit.
Reddit · 50+ repliesRead the post ↗ -
“My mortgage approval expires next month and I must start again.”
Worth reading because it shows how long new-build delays can force a full mortgage application again.
Meath ChronicleRead the post ↗ -
“I signed, then larger new-build units dropped to my price.”
Interesting because it shows the risk of signing before comparable new-build units are repriced.
Reddit · 50+ repliesRead the post ↗ -
“I signed and paid 10%, but the builder never signed back.”
Useful thread because it shows why your signature is not enough until the builder countersigns.
Reddit · 20+ repliesRead the post ↗ -
“The builder wanted us to sign before BOI issued the loan offer.”
You’ll learn how buyers negotiated extra time and a mortgage clause when the loan offer was not ready.
Reddit · 20+ repliesRead the post ↗ -
“Our €500k contract had no loan clause and a 10-day deadline.”
The replies explain why a subject-to-loan clause matters before signing a new-build contract.
RedditRead the post ↗ -
“Our new-build contract was due before we had any loan offer.”
Worth reading because buyers explain why they would not sign a new-build contract without loan offer.
RedditRead the post ↗ -
“Our loan offer expired and the renewal came back €16k lower.”
You’ll learn what can change when an expired loan offer is renewed, even after the purchase has moved on.
RedditRead the post ↗ -
“The lender killed our loan offer after the completion notice.”
Useful thread because it shows how a finance clause works when a lender withdraws at completion notice.
Reddit · 20+ repliesRead the post ↗ -
“Our loan offer may expire months before the new build is ready.”
You’ll see why completion timing and maternity or job status matter when a loan offer may expire.
RedditRead the post ↗ -
“Our 10% deposit fell due before the sale of our home completed.”
Useful discussion because it shows how to negotiate a deposit deadline when equity is tied in your sale.
RedditRead the post ↗ -
“The seller wanted my signed contract before a closing date.”
You'll see why a buyer should pin down the closing mechanism before sending a signed contract.
RedditRead the post ↗ -
“Our contract said the seller must find land before we can close.”
Worth reading because a seller's special condition tied closing to an unrelated land purchase.
RedditRead the post ↗ -
“We signed contracts, but two queries stopped them being sent.”
The replies explain why signed contracts may still sit with your solicitor while queries remain open.
RedditRead the post ↗ -
“We signed, then the seller said they needed another two months.”
Useful thread because it shows why a seller's move-out timing should be fixed before you sign contracts.
Reddit · 20+ repliesRead the post ↗ -
“We signed in 2024 and still had no snag date two years later.”
You’ll see what a long-stop contract date means when a new build slips for years without a snag date.
AskaboutmoneyRead the post ↗ -
“My solicitor took so long that my loan offer expired.”
The replies explain what happens when a loan offer expires and how a solicitor can restart drawdown.
RedditRead the post ↗ -
“Our contract gave us four weeks to secure a formal loan offer.”
You’ll see how a mortgage condition can protect a buyer while the formal loan offer is still pending.
RedditRead the post ↗ -
“I paid a €5k deposit, then the completion date kept slipping.”
You'll learn how new-build delays can collide with your AIP and Help to Buy deadlines after you sign.
Meath ChronicleRead the post ↗ -
“BOI refused another extension just before our new build closed.”
Worth reading because repeated new-build delays forced a full mortgage application, not an extension.
RedditRead the post ↗ -
“I was told the house would be ready in August. It still isn't.”
You'll see how a €38,500 new-build deposit stays locked in while the completion date keeps moving.
Irish IndependentRead the post ↗ -
“I signed and sent funds, then learned closing was weeks later.”
The replies explain why the contractual closing date must be checked before you sign and transfer funds.
RedditRead the post ↗ -
“I paid 10%, then realised the new build’s garden was too small.”
You'll learn how binding a signed new-build contract is when you want to switch units later.
RedditRead the post ↗
Closing and paying stamp duty · 21 stories “My repayments started even though the sale had not closed.”
Requisitions, the loan drawdown and stamp duty of 1%, 2% or 6%
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“My repayments started even though the sale had not closed.”
The replies explain why searches should precede drawdown and what to do when repayments start early.
AskaboutmoneyRead the post ↗ -
“Some of us are paying mortgages on houses we can't access.”
You'll see how drawing down a mortgage before a new build is ready leaves you paying rent and loan.
Meath ChronicleRead the post ↗ -
“Two insurers declined me and the bank refused my waiver.”
You'll learn how mortgage protection refusals can block drawdown and when a lender may consider a waiver.
Reddit · 50+ repliesRead the post ↗ -
“Our keys were due Monday, then drawdown slipped another week.”
You’ll see which drawdown documents can delay closing and why they should be checked before key day.
Reddit · 20+ repliesRead the post ↗ -
“The seller had our funds, but their solicitor was on holiday.”
Worth reading because it shows why solicitor holiday cover matters when cleared funds are already sent.
Reddit · 20+ repliesRead the post ↗ -
“The bank kept re-querying documents and held up our drawdown.”
You’ll learn which last-minute lender queries can slow drawdown after the solicitor submits documents.
Reddit · 20+ repliesRead the post ↗ -
“AIB’s final checks stopped us closing on the expected day.”
You'll see why lender final checks can miss a planned closing and how much buffer buyers leave.
RedditRead the post ↗ -
“The bank demanded an engineer report right before drawdown.”
The replies explain when a bank may demand an engineer’s report and how to avoid a late scramble.
RedditRead the post ↗ -
“BOI’s drawdown delay left us waiting eight extra days for keys.”
You’ll see the full timeline from sale agreed to keys, including the documents BOI asked for twice.
Reddit · 20+ repliesRead the post ↗ -
“The funds were released, but the builder kept our keys.”
The replies explain why released funds do not always mean same-day keys on a new build.
RedditRead the post ↗ -
“At our final viewing, the boiler was locked out and overdue.”
Worth reading because it shows why the final inspection should test the boiler before closing.
RedditRead the post ↗ -
“My mortgage protection paperwork delayed our closing for months.”
The replies explain how PMA paperwork and underwriting can delay mortgage protection and closing.
Reddit · 20+ repliesRead the post ↗ -
“We expected a month or two of delay, but it went on and on.”
Worth reading because it shows how a finished new build can wait over a year for keys after contracts.
Meath ChronicleRead the post ↗ -
“My solicitor drew the mortgage before we had a closing date.”
Useful thread because it shows why drawing funds too early can create interest costs before keys.
RedditRead the post ↗ -
“We paid a €5,000 deposit in 2023, and now face homelessness.”
You'll see why leaving your rental before a new build's handover date is confirmed is so risky.
The Irish TimesRead the post ↗ -
“The funds were released, then one missing document stopped keys.”
Useful discussion because it shows how one missing seller document can block keys after funds move.
Reddit · 20+ repliesRead the post ↗ -
“Our contracts were signed, but protection held up the mortgage.”
The replies explain what evidence lenders seek for a protection waiver when contracts are already signed.
Reddit · 20+ repliesRead the post ↗ -
“My solicitor said mortgage funds could take two more weeks.”
Worth reading because it covers normal drawdown lead times and the risk of bridging the gap yourself.
AskaboutmoneyRead the post ↗ -
“My husband was declined cover after we had gone sale agreed.”
You’ll learn why arranging mortgage protection early matters when health underwriting can delay closing.
RedditRead the post ↗ -
“We got the keys four weeks later than we had planned for.”
You'll see why it's risky to plan a move around a best-case closing date, and what usually slips.
Irish ExaminerRead the post ↗ -
“Our buyer’s bank queries kept delaying the release of funds.”
Useful thread because it shows how buyer-bank queries can keep a signed sale from reaching closing.
Reddit · 20+ repliesRead the post ↗
Registering with Tailte Éireann · 19 stories “My solicitor never registered our house properly when we bought.”
Land Registry or Registry of Deeds, and first registration delays
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“My solicitor never registered our house properly when we bought.”
You'll learn how an old registration error resurfaces when you sell, and how long fixing it can take.
The Irish TimesRead the post ↗ -
“Our closing is three months late over a scheme map approval.”
The replies explain how a pending scheme map can freeze closing even when the house is ready.
RedditRead the post ↗ -
“Our sale has been stuck since April as our house has no map.”
You'll learn why a buyer's bank may demand boundary statements, and which map fixes owners used.
AskaboutmoneyRead the post ↗ -
“Our new-build can't close until the Scheme Map is issued.”
Worth reading because the only thing blocking closing was an eight-week-old Scheme Map request.
RedditRead the post ↗ -
“A neighbour has cultivated land on my folio for over 24 years.”
You'll learn why deed maps, folios and what's fenced on the ground can disagree, and how to check.
The Irish TimesRead the post ↗ -
“We learned the apartment was never registered correctly.”
You'll see what to ask before an agent suggests closing while registration is still unresolved.
RedditRead the post ↗ -
“Our new build is ready, but the Scheme Map is still in mapping.”
The replies explain how a Tailte Éireann mapping query can hold up keys after snagging is finished.
RedditRead the post ↗ -
“We bought 18 months ago, but Land Registry still isn't sorted.”
You'll learn how an older registration can block the next one and why remortgaging may expose it.
Reddit · 20+ repliesRead the post ↗ -
“Two names must come off the plot before our sale can close.”
The replies explain why names on a plot must be cleared from the folio before closing can proceed.
RedditRead the post ↗ -
“Our sale agreed house was never registered with Land Registry.”
You'll see what buying an unregistered house can add to the solicitor and Land Registry timeline.
RedditRead the post ↗ -
“My first registration ended with a €370 fee I never expected.”
Useful thread because it shows how first-registration fees can appear long after the original purchase.
RedditRead the post ↗ -
“I lost a sale because my apartment was never registered.”
You'll see how a missed Tailte Éireann registration can surface years later and kill a resale.
RedditRead the post ↗ -
“We're sale agreed, but a name change blocks the deeds.”
You'll learn why even a simple name change on the deeds can delay contracts at Land Registry.
RedditRead the post ↗ -
“Our sale needs First Registration, plus €1,000 extra fees.”
You'll see who normally lodges First Registration and where extra solicitor fees can arise.
RedditRead the post ↗ -
“Our Land Registry application is stuck in mapping with no date.”
Useful thread because owners compare recent mapping waits and what failed after queries and expedites.
RedditRead the post ↗ -
“Our first registration has sat with Tailte Éireann two years.”
You'll see how a long first-registration backlog can hold up post-purchase grants and paperwork.
RedditRead the post ↗ -
“Our new build sat finished while Tailte maps held up closing.”
Worth reading because a missing Land Registry map left a finished new build unable to close.
RedditRead the post ↗ -
“We're stuck because the seller isn't on the property folio.”
Useful thread because the buyer cannot progress until the seller is registered on the folio.
RedditRead the post ↗ -
“I bought the property, but registration may take two years.”
Worth reading because owners explain what proves ownership while Land Registry registration is pending.
RedditRead the post ↗
If you plan to rent it out · 19 stories “I served notice to sell but forgot the RTB return form”
National rent control since March 2026 and tenants' new rights
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“I served notice to sell but forgot the RTB return form”
Useful thread because it shows how one missed termination form can trigger a much bigger dispute.
AskaboutmoneyRead the post ↗ -
“My tenants stopped paying rent and still will not leave”
You’ll see the RTB steps owners discuss when notice expires but tenants remain without paying.
Reddit · 100+ repliesRead the post ↗ -
“My old €600 rent left me far below the new RPZ market”
You'll learn how previous rent history can cap a new tenancy even when local market rent is much higher.
Boards.ie · 20+ repliesRead the post ↗ -
“One rent-a-room licensee refuses to leave my house now”
The replies explain why rent-a-room licensees differ from RTB tenants when notice is ignored.
Reddit · 100+ repliesRead the post ↗ -
“My long-term HAP tenant refuses to leave the family home”
Worth reading because owners discuss RTB disputes and access when selling a tenanted home.
Reddit · 100+ repliesRead the post ↗ -
“My tenant pays me directly, but I live outside Ireland now”
You’ll learn how non-resident landlord withholding works when HAP and the tenant split the rent payments.
AskaboutmoneyRead the post ↗ -
“I found my tenants listing our rental property on Airbnb”
Useful thread because the owner explains how address and image searches exposed unauthorised subletting.
Reddit · 50+ repliesRead the post ↗ -
“My tenant is about to overhold after six months notice”
Interesting because the replies compare RTB enforcement with court action when a tenant won't leave.
Boards.ieRead the post ↗ -
“I ended a six-year tenancy and cannot reset to market rent”
You’ll learn how an ended tenancy can still leave the next rent tied to the previous rent level.
AskaboutmoneyRead the post ↗ -
“I let my Cork flat for €1,000, and now similar ones get €1,900.”
You'll see how rent rules can lock in an old low rent for years, and what that means if you sell.
Irish ExaminerRead the post ↗ -
“My tenant ignored the rent review and kept paying less”
The replies explain the notice trail and RTB process when a valid rent increase is simply ignored.
AskaboutmoneyRead the post ↗ -
“I never registered this tenancy and now need to sell”
You’ll see the practical mess an unregistered tenancy creates when an accidental landlord wants to sell.
AskaboutmoneyRead the post ↗ -
“My tenant listed my apartment for short stays repeatedly”
The replies explain the warning and termination steps when a tenant sublets on short-let platforms.
AskaboutmoneyRead the post ↗ -
“I never registered my accidental rental with the RTB”
Useful thread because it shows the problems created by years of low rent and missing RTB registration.
Boards.ieRead the post ↗ -
“My HAP tenant has been overholding since June 2023 now”
The replies explain the RTB adjudication and tribunal path when a tenant overholds after sale notice.
AskaboutmoneyRead the post ↗ -
“My son lives abroad and his tenant refuses to leave the house.”
You'll learn what a landlord abroad must do to get vacant possession when a tenant won't move out.
The Irish TimesRead the post ↗ -
“My tenant cannot find anywhere else, but I need to sell”
Useful discussion because it shows how RPZ rent history can complicate a sale or replacement tenancy.
AskaboutmoneyRead the post ↗ -
“My tenants struggle to file the non-resident rent return”
Useful thread because it compares tenant withholding with a collection agent for a non-resident landlord.
AskaboutmoneyRead the post ↗ -
“After twelve years, my HAP tenants left serious damage”
Owners show what evidence matters when long-term tenants leave missing furniture and property damage.
AskaboutmoneyRead the post ↗
If you plan short-term lets · 6 stories “RTB awarded my tenant €3k over my short-term guest stays”
The Fáilte Ireland register from December 2026 and planning rules
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“RTB awarded my tenant €3k over my short-term guest stays”
You’ll see how mixing long-term tenants with short-stay guests created an RTB quiet-enjoyment dispute.
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“My Airbnb struggles to reach fifty percent occupancy”
You'll learn why even a popular location can leave hosts with weak occupancy and awkward minimum stays.
Boards.ieRead the post ↗ -
“We were refused permission to short-let our Kinsale house.”
You'll see why a holiday home in a rent pressure zone can be refused short-let use after 15 years.
Irish ExaminerRead the post ↗ -
“My West of Ireland Airbnb has been much quieter this year”
Owners show how later bookings can make a seemingly strong short-let season look unexpectedly weak.
Boards.ieRead the post ↗ -
“I tried Airbnb for six months and would never do it again”
Worth reading because a former host compares the workload of short lets with stable long-term tenants.
Boards.ieRead the post ↗ -
“Our Airbnb demand has dropped dramatically this year”
Useful discussion because Irish hosts compare booking demand, rates and seasonality from experience.
Boards.ieRead the post ↗
If you leave it empty · 16 stories “I could only find limited cover for my unoccupied house”
The Vacant Homes Tax and the Residential Zoned Land Tax
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“I could only find limited cover for my unoccupied house”
Owners show the insurance restrictions that appear while a purchased house waits for grant approval.
AskaboutmoneyRead the post ↗ -
“The bank valued our €415k vacant house at only €335k”
Worth reading because grant eligibility meant little once the lender valuation came in €80k below price.
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“Revenue wrote that my inherited house may owe Vacant Homes Tax.”
You'll learn how Revenue treats an empty inherited house under the Vacant Homes Tax, and what counts.
Irish Farmers JournalRead the post ↗ -
“Our vacant-home insurance was rejected at mortgage drawdown”
You’ll see why a vacant-home policy can still fail a lender’s insurance test just before drawdown.
RedditRead the post ↗ -
“The vacant grant puts a ten-year charge on my property”
The replies explain the occupancy conditions and clawback risk attached to the vacant-home grant charge.
RedditRead the post ↗ -
“I may have only €18k left to renovate this vacant cottage”
You’ll see the cash gap buyers face when deposit and fees arrive before a vacant-home grant is paid.
RedditRead the post ↗ -
“The seller will not prove how long the house was vacant”
The replies explain which utility records can prove vacancy when the seller won't confirm it.
AskaboutmoneyRead the post ↗ -
“Our Cork house needs €50k work before we can move in”
You’ll see how buyers plan cash, family labour and grant timing when a vacant house needs major works.
Reddit · 20+ repliesRead the post ↗ -
“Our insurer wants us living there before grant approval”
Useful discussion because insurance deadlines can conflict with the vacant-home grant’s approval timing.
RedditRead the post ↗ -
“Our €620k vacant house still needs heating and rewiring”
Owners show the cash planning needed when a high purchase price is followed by grant-funded major works.
RedditRead the post ↗ -
“Our never-finished house has no proof it predates 2008”
Useful thread because buyers identify records that can prove an unfinished vacant property’s build date.
AskaboutmoneyRead the post ↗ -
“We bought a D14 house that had been vacant over two years”
The replies explain how buyers combine vacancy evidence, the grant and SEAI work without double-claiming.
RedditRead the post ↗ -
“I spent many months getting a €70k vacant-property grant”
You’ll see the paperwork that can precede approval when renovating a long-vacant investment property.
Boards.ieRead the post ↗ -
“The house will have been vacant only fourteen months”
The replies explain why deliberately waiting for the vacancy period can undermine a grant application.
RedditRead the post ↗ -
“Our unfinished property had never been sold or lived in”
You’ll see how a never-occupied property can fail Help to Buy while the vacant grant still applies.
RedditRead the post ↗ -
“Our old farmhouse has stood empty since March 2023 now”
Useful discussion because buyers compare moving in early with preserving vacant-grant eligibility.
RedditRead the post ↗
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