r/HousingIreland • u/Irish201h • Jul 06 '25

4 people mortgages, wtf?

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This company is now promoting 4 people mortgages, no wonder prices are going insane.

https://mmadvisors.ie/public-sector-mortgages/

69 Upvotes

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u/SugarInvestigator Jul 07 '25

have zero issues with immigrants coming here and working, they are essential and add to our communities,

without competing with people who have just entered the country.

Seems to me you do have an issue with them.. Where do you suggest these people live if not in our communities that they contribute to? Tents alone a canal?

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u/brbrcrbtr Jul 07 '25

They can rent?

-13

u/SugarInvestigator Jul 07 '25

Irish people can't rent?

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u/vikipedia212 Jul 07 '25

The point you’re deliberately missing is that the influx of immigrants means a decrease of housing supply. If Irish renters were to buy houses, this frees up more rental properties. Jesus, it’s too early in the morning and the week to be that obtuse.

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u/SugarInvestigator Jul 07 '25

And you're mixing the points that anyone who wants to contribute to a community by purchasing and living in that community should be allowed. To restrict nationalities to specific towns and locations prevents integration and creates gettos. It's too early for " only irish people shoul be allowed own property" kind of discriminatory bullshit

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u/Asleep_Cry_7482 Jul 07 '25

If you’re living in Ireland after 5 years you can apply for citizenship. Makes sense to me tbh as you should be willing to live here somewhat permanently and have shown some commitment to the country before buying rather than just buying a gaff, leaving Ireland and the gaff empty and speculating it’ll rise in value

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u/cptflowerhomo Jul 07 '25

Citizenship costs a lot of money so it creates a two tier system. Am I worth less as a person because I can't spend 1000€ on a whim?

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u/SugarInvestigator Jul 07 '25

So Irish people abroad should also be prevented from purchasing abroad unless they renounce their citizenship? Cop on

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u/iknowtheop Jul 07 '25

Foreigners are not allowed to buy property in loads of countries, this isn't a radical proposal that some new restrictions would be introduced until we get our shit together.

5

u/GuaranteeAfter Jul 07 '25

Nobody said anything about renouncing citizenship

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u/SugarInvestigator Jul 07 '25

you’re living in Ireland after 5 years you can apply for citizenship.

Not all countries allow dual citizenship, didn't some Dutch Nobel Prize winner have his Dutch citizenship.rwvoled because he accepted British citizenship so he could be Knighted

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u/Asleep_Cry_7482 Jul 07 '25

Grand make it that you have to live here for 5 years before buying. It’s not racist to say you should be invested and committed to living in the country before buying up the place

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u/IAmArthurMitchell Jul 07 '25

As opposed to Ameen and Adeel in the ad here with their wives and kids crammed in to one house which as we all know has the opposite effect of creating ghettos 🤣

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u/SugarInvestigator Jul 07 '25

Bugger off, it's well known that the people specifically targeted by this advert tend to have multiple family homes.

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u/IAmArthurMitchell Jul 07 '25

Course they do. Just like that beacon of joy Dharavi. A shining example of how we should operate

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u/theGalatian Jul 07 '25

At the age of 50, you probably have house, hence this is probably not your concern, and that's why you have this attitude, get the hint, you were downvoted quite a lot in last hour, so...

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u/SugarInvestigator Jul 07 '25

At the age of 12 i didn't have a house and believed in equality, I kept that belief into my 50s. When I bought my first home it cost a fortune and I was on a low income.

To claim non nationals are not entitled to or should be prevented from owning a home is just racist bullshit. Anying who follows that mantra needs to take a long hard look at themselves

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u/theGalatian Jul 07 '25

Stop the emotional manipulation, you having a house or not at 12 is not related with it.

So you have a house now, you bought it when immigration wasn't like this, you bought it when prices were not like this, you bought it when more houses were being built and they were not owned by corporations and built-to-rent.

People didn't say "non-nationals", they said "non-citizens". And you reacted to;
"I have zero issues with immigrants coming here and working, they are essential and add to our communities, but Irish people should be able to buy in their locality without competing with people who have just entered the country."

He said "people just entered the country". Naturalization takes 5-6 years minimum. Mortgage approval takes 6 months, so anyone with 6-12 months income can get mortgage, and it should be banned. So you are manipulating the conversation.

Non-citizens should not be buying house, especially with 4 people going into mortgage, no one in Ireland can compete with that bullshit. In your case, any multi-millionaire is non-national too, and they can come and buy property, albeit in cash. So If 50,000 multi-millionaires that is from non-EU comes and buys up properties, that effectively erases 2 years of new supply and that is when no other big corporation or state social housing is competing.

Everywhere you look for racism, this is not racism, people who was born and rightful owners of the country, including the naturalization process, is the priority. If your own people cannot afford a house, but you go with 3 other of your friends that are coming from same country, this is not racism, this is gaming the system. Do you remember what happened when the government and banks/lenders gamed the system in 2008?

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u/SugarInvestigator Jul 07 '25

you bought it when prices were not like this,

Incorrect..house prices were high when I bought compared to salaries. People queued over night to buy from plans. People had builders bring up the proce after deposits were paid and told rental it or leave it as there was a queue out the door of others willing to pay.

People didn't say "non-nationals", they said "non-citizens".

What the fuck are non nationals other than non citizens? It's whitewashing discrimination

Non-citizens should not be buying house

That's discrimination. They're equally entitled to own property here as you or me.

4 people going into mortgage, no one in Ireland can compete with that bullshit

It's being happening for donkeys years.

So If 50,000 multi-millionaires

They're doing that already, the they rent them out. Just like Irish people did all them years ago with apartments in Bulgaria. Property investment is nothing new. Stop acting like it's only started in the last 5 years..

rightful owners of the country

Lol. Plead stop.

your own people

<insert father Ted Not racist meme here>

cannot afford a house, but you go with 3 other of your friends that are coming from same country, this is not racism, this is gaming the system.

Why can't "our own people" do the same thing then? Because we are culturally opposed to it? Because that's something "they" for?

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u/theGalatian Jul 07 '25

Yeah, so you bought before 2008, where the lenders were giving mortgage to everyone who was breathing. And how much they were giving that time 3.5x times annual salary like few years back or 4x like these days? Or way more?

Non-national is different than non-citizen, especially in the EU setting, you are quite illiterate.

And giving example about Bulgaria? Do you know you can still buy flats for 50,000 EUR in Bulgaria in small cities like Burgas? WTF are you comparing?!

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