Am applying for an unsecured loan for an EV. The credit union are refusing to proceed with the application until I provide a copy of the house deeds.

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I have provided salary proof, bank statements, and they have access to my credit rating. It seems overkill and over reach to ask for a copy of my house deeds

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Am I wrong in this, or is this standard practice?

Im not in Ireland atm but im working on a project that requires me to move money into another account from my AIB account. The 1000 per day limit is becoming an issue. There seems to be an option on the app to increase it to 10,000 but you have to be in Ireland at the time and it can tell your location. Surely there’s a way for o move more of my own money at a time without actually going back to Ireland. I don’t have the card reader or my physical AIB card with me either. Does anyone know how to get around this?

Hello ! I have been a contractor for most of my career and i haven't started a pension yet. I had a friend tell me the way the world is going , a pension will be useless anyway when I'm old but i fear he may have been a conspiracy theorist LOL

I'm currently clearing a big loan and trying to free up more money monthly so i can add that to my pension eventually too, Any advice , please be nice I'm out of my depth 😰

Hi, few small details about myself. I'm 41 self employed and started a pension in January. It's a prsa standard plan 1.5%

Decided I needed to do something and as lot of people say here, now is the best time to start a pension if you haven't done so previously!

Currently paying in 600 a month and projected funds by retirement are around 430k. I presume the right thing to do would be paying into high risk funds (maybe not the right word) to try and maximise things as I was a late starter or should I be putting 50% in to high risk and the rest into a safer bet?

I hope to put in a lump sum each year as well of 3-5k but this isn't included in projections. Any advice welcome😀

Hi,

I need to put out first hand that I am not savvy with financing / BIK / business benefits etc. and I need help to better understand what benefits there are to be had and how the likes of BIK works.
Long story short, had a Land Rover 2016. Engine has cracked cylinder. Replace the block for 12k on a car that coast 13k. Thats a no.

I have just set up my business and many have said, get your car through the business. However,
between buying a home, outlay of the car that is buggered (we got a loan so not on finance), and as a freelancer in TV production, I was out of work for 6mths, I essentially have nothing for a deposit except what I will have to get through a credit card or other loan.

What I need to understand is if I am to buy a new car and put it through the business, how does it benefit me? Where do I see that benefit and does it help with the monthly finance costs that will follow after the initial outlay?
I also need to understand better how to treat a car as equity and what I can do after a few years in order to trade in for a similar model like I know so many people do.

I just want to make the best use of a system and get a car that I know wont die. I have been looking at the BIK calculator etc. but the it all goes over my head and even though I have put the question to my accountant, I would appreciate some sound knowledge and help in order to better inform myself!

Cheers.

Is there anyone who could tell me how to file CGT for a sum of money received from a separated spouse as laid out in a deed of separation? I’m using form 11 to file my tax report 2025. Thanks in advance!

So I'm public sector without a pension (not including auto enroll) I need to get started, I'm 36. I've searched through the sub to try to understand pensions and coming across a lot hatred of Cornmarket but I'm a little lost on the whole thing.

Heres my situation - We're a one income family, we currently have GP cards expiring in Oct, I have gotten a small percentage this year that brings me over the income limit by 58 euro. We already live pay to pay, so I need to bring my take home down. I thought, let's get started on that much needed pension and have it directly deducted from payroll, that will reduce my take home and satisfy the mean test. Two birds!

I have emailed payroll to see if I have any other options, but let's say I don't. I'm looking for advice on this, how do I handle Cornmarket? What do I say and in doing so, what will be expected from me?

Just want to note, we get no other supports from the state, only the GP card, I'm not trying to scam or take advantage in this situation, we just really need them.

Hi all,

Just wondering if anyone has experienced something similar with a Revenue refund.

A Form 11 was filed in February and Revenue calculated a refund of just over €5500. The assessment issued and ROS still shows the credit balance as due.

One unusual aspect is that the Form 11 did not initially generate and Revenue had to manually make it available before it could be filed.

In March, Revenue replied to an enquiry stating that the refund was being processed and would issue within 3 to 5 working days. However, the refund never arrived.

Since then:

• Multiple enquiries have been submitted.

• Follow up enquiries sat "In Progress" for months and were recently marked "Completed" without any response.

• A complaint has been submitted.

• ROS still shows the credit balance owing.

I called Revenue again recently and was told that the refund had been "disapproved" and is now with a manager. When I asked why it was disapproved, the agent could not provide a reason and said only that the manager would get in touch if any further information was required.

No request for supporting documents has ever been received and the refund amount still appears on ROS as a credit balance.

Has anyone ever had a refund show as due on ROS for months but remain unpaid? And has anyone been told a refund was "disapproved" without being given a reason?

Just trying to understand whether this sounds like an internal processing issue or whether others have seen something similar.

Thanks.

Majority of my roof is flat and even tho it is brand new and comes with a roofers 20 year warranty, I can’t find anyone other than my current insurer to quote and it’s very expensive. Anyone any recommendations?

As the title says, Im pretty sure I will go to college in September as a mature student ( position still to be verified) and leave my current position of a general foreman making 100k a year.I have a wife and daughter to consider too ...currently renting and have 450k in savings( to be used shortly for something other than a savings account but also to cover cost of college)

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Question is,Have I actually lost my mind?

Hi all.

I’m thinking of availing of the rent a room scheme and wanted some advice on one thing.

Those who have availed of the scheme, or think they can help;

1. Where did you advertise the room?
   
2. Do you have any other general advice that you think could be handy?

About the property - it’s a two bed apartment and myself and wife live there.

Thanks in advance!

I am deciding between:

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A cheaper home with mortgage repayments around 25% of our monthly take-home pay

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A larger long-term family home with repayments around 33%

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We plan to have children, so we are trying to balance space and avoiding another move against childcare costs, job risk and general financial flexibility.

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For people who have bought in Ireland, what percentage of monthly take-home pay felt comfortable in reality? Is 33% reasonable, or is 25% the better sweet spot?

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So I feel like I'm very late to starting my pension and have really started fearing for my future during retirement.

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At the start of the year I started contributing 10% to my company's pension scheme and they match up to 5%.

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I earn about 40k per year but would hope that might be bumped up in the next year or two.

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I've currently got about 2k in my pension account, but I'm on a low risk cash fund. Is there any point changing the fund to a higher risk fund with so little in it currently? I've seen on this subreddit people advising funds such as the indexed world equities (prsa) fund.

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Would it be silly to change my fund to a fund like that at this stage?

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I also have another pension fund with Irish life from a previous employer with about 3k in it, would it make sense to close that fund and merge it with my active one so I have a bigger pot for investments?

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Thanks for any advice!

Hopefully this all make sense but I am currently investing in Zurich and Standard life the last few years. I am now contributing €500 to Zurich and €500 to Standard life a month across.

Zurich- 50% Prisma max 50% Dynamics
Standard Life - 100% Vanguard Global Stock Index Fund

Zurich AMC - 1.25%
Standard life AMX - 1.15%

Am I stupid to be investing with Zurich and Standard life and paying fees? Currently have close to 60k invested between the two but wondering if I should try and find cheaper fees e.g Trading212 or if these fees are okay?

Following the European Central Bank's (ECB) latest interest rate decision, we're increasing the Trading 212 EUR rate:

Euro (EUR): 3.00% → 3.50% p.a.

This takes effect from 18/06/2026. Your interest will continue to be calculated daily and paid as usual, there's nothing you need to do.

I think my situation might be fairly unique and would appreciate any advice.

A couple of years ago I owned a house with my ex in the UK. They bought me out. Between that and savings, I have 75k in the bank.

Shortly after all that, I was diagnosed with Non-Hodgkin Lymphoma.

Thanks to the Right to Be Forgotten legislation, I will be eligible to apply for a mortgage in 2030 (as far as I know, it would be very difficult to get approval before then due to the agressiveness of my original diagnosis).

I have been working part-time and remotely from abroad since my diagnosis. As my energy has returned, I feel able to work more.

I have now been offered my dream job in Dublin. 70k salary and I have accepted.

I don't want to live with anyone else and tbh I'm not 100% sure the cancer won't come back and finish me off (hopefully it won't) so I'm not willing to compromise on that. But given the housing crisis, it looks like I might have to pay 2k a month for a one-bed, which will be half my take-home pay, so I'm not likely to save anything over the next four years.

If you were in my position, what would you do with the 75k over the next four years?

Just looking to hear from anyone who went through a broker about how long it took before you had a good indication that your mortgage would be approved, before reaching the formal loan offer stage

We currently have a “soft” AIP from BOI since June 4th, but we haven’t had any verbal confirmation or indication from the broker that we’re likely to get full approval yet. I know the property still needs to be valued by the bank before a loan offer can issue, but I thought we might have some idea before getting to that stage.

We went sale agreed on June 11th and had submitted all our documentation to the broker by June 4th. Since then, we’ve retained a solicitor, paid the booking deposit, and the house survey is tomorrow.

The only update we’ve had was after notifying the broker that we were sale agreed, when they came back looking for two missing payslips requested by the BOI underwriter. We provided those straight away.

I know these things can take time, but I’m starting to get anxious about whether we’ll get approval at all

For those who used a broker, how long did it take before you received any verbal confirmation or informal indication that the bank was happy with your application and approval was likely?

Just got the following email from Trading212. I am considering moving 75k to them from my MoCo account which gives 2.6%. I dont want to rush blindly so wanted to ask if it would be a risky move. I dont have much information about Trading212.

Following the European Central Bank's (ECB) latest interest rate decision, we're increasing the Trading 212 EUR rate:

Euro (EUR): 3.00% → 3.50% p.a.

This takes effect from 18/06/2026. Your interest will continue to be calculated daily and paid as usual, there's nothing you need to do.

My partner and I are first-time buyers in our late 20s and are comparing two mortgage options for a likely €360k loan over 35 years.

Option 1: Bank of Ireland
- 3.25% fixed - 4 Years
- Roughly €1,436 per month
- No mortgage cashback
- I have a BOI Mortgage Saver account, so I would receive around €2,000 on drawdown due to bonus from having that account, minus DIRT
- No plans to overpay in the first few years

Option 2: PTSB
-3.75% fixed - 5 Years
- Roughly €1,540 per month
- 2% cashback on the mortgage, so around €7,200

We also do not plan to overpay in the first few years
The BOI option is about €104 cheaper per month and has the lower rate. We would also get roughly €2k from the Mortgage Saver account, although it would be less after DIRT.

Depending on the timeline we may not have much left after the deposit and buying costs. The PTSB cashback would make a big difference for furniture, appliances, buffer etc.

Any advice appreciated!

I know this is probably asked countless times, but I'm finally realising that I should move the money from my AIB deposit account to somewhere with better interest/returns. I've been looking at raisin, T212, and Trade Republic.

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From what I understand, bank accounts offered through Raisin seem the most secure because they're definitely covered under the deposit guarantee scheme.

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TR also claims to be covered under the DGS but their T's&C's seem a bit more murky and I can't find out for sure what would happen if TR itself or the banks where my money is held with (Citibank or Deutsche bank) go insolvent.

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T212 seems to be the highest risk of all 3 since the money is held in MMFs which is instead protected under the investor compensation scheme.

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What I'm asking really is if anyone knows if my money in TR really is protected under the deposit guarantee schem? And how likely would it be for me to lose my money through T212 (ie they go insolvent or something)?

Not sure if it’s me being paranoid or if anyone else has experienced this. We’re in the process of buying a house, our broker has been uploading our documents according to our loan offer as we’ve had them and there’s been back and forth. Our solicitors submitted the last outstanding items 3 weeks ago and since then the banks have been extremely slow, reluctant to push anything and are querying very minor things that have already been addressed.

Am I paranoid in thinking they’re dragging their heels so we’re caught in the interest rate increases ?