The First-time Buyer’s Bible by Bank of Ireland

All good things must come to an end, just like every housewife season. This week is our finale episode, and we are sitting with Alan Harley from Bank of Ireland. He's a business graduate of Trinity College and a chartered accountant with extensive experience in financial markets and banking senior management roles. Alan is currently director of home buying for Bank of  Ireland. We chat through all we have learned this season and talk through the key take aways for any first-time buyer. Listener, it has been a joy to be on this journey with you, thanks for tuning in x00:22-Mortgages at Bank of Ireland 01:53-The 3 things you need to consider when starting out 09:17-A recap on surveys 10:30-Upfront costs for all mortgages15:34-A note on insurance 18:45-Different types of mortgages 19:50-First-time buyer features in mortgages23:10-Myth Busting 25:11-How is your affordability assessed  28:15-Overpayments29:00-GrantsFor more information on getting mortgage ready visit: Getting Mortgage Ready - Mortgage Articles - Bank of Ireland For more information on mortgage rates visit: Mortgage Rates - Mortgages - Bank of IrelandFor more information on the Bank of Ireland Mortgage Saver Account visit: Exclusive offer for First Time Buyers - Bank of IrelandFor more information on Cashback visit: Cashback Plus | Mortgage | Bank of IrelandFor more information on Self Builds visit: Why BOI - New Build Mortgage - Bank of Ireland Bank of Ireland Mortgage bank trading as Bank of Ireland Mortgages u.c is regulated by the Central Bank of Ireland. T&Cs apply, for more information about Bank of Ireland Mortgages visit: http://www.bankofireland.com/mortgages 

This week we have a topic that is super important for anyone at the end of their home buying journey, The Big Buys! This week we sit the fabulous showroom manager at Bosch, Eleanor, and we're talking appliances. Eleanor shares her knowledge and takes us through the info we need to know before we start to buy appliances for our new home. This episode will save you money and help you set your home up for your needs. 0:59-Eleanor’s Role 2:00-Showroom’s, a must visit 03:55-Common buying mistakes to avoid05:38-Quick tips on the main appliances 11:25-A major tip! 12:05-A costly mistake to avoid13:55-The Fridge, deep dive18:55-The Oven, deep dive21:45-The Washing Machine, deep dive 23:10-The next big thing for detergents and dosing 24:50-The Dryer, deep dive 28:35-The tea on apps for appliances  30:40-What’s the biggest mistake people make?33:00-Should we bring anything with us when sussing appliances?34:30-Breakdowns 36:20-Budget balancing 37:55-Vented hobs and cooker hoodsFor more information on getting mortgage ready visit: Getting Mortgage Ready - Mortgage Articles - Bank of Ireland For more information on mortgage rates visit: Mortgage Rates - Mortgages - Bank of IrelandFor more information on the Bank of Ireland Mortgage Saver Account visit: Exclusive offer for First Time Buyers - Bank of IrelandFor more information on Cashback visit: Cashback Plus | Mortgage | Bank of IrelandFor more information on Self Builds visit: Why BOI - New Build Mortgage - Bank of Ireland Bank of Ireland Mortgage bank trading as Bank of Ireland Mortgages u.c is regulated by the Central Bank of Ireland. T&Cs apply, for more information about Bank of Ireland Mortgages visit: http://www.bankofireland.com/mortgages 

In this episode we sit down with solicitor (and general icon) Paula McHugh. Paula opened her own generalpractice in 1991 and over 32 years as a general practitioner she has gained expertise in Conveyancing bothResidential and Commercial, Estate Planning and Probate (Wills and Intestacy) , Personal Injury, Civil Litigation,Family Law; Licensing and Judicial Review applications. Her Pragmatic Experience coupled with her academicachievements offer a dynamic solution focused response to any legal problem. Her team consist of 7 dedicatedcolleagues who provide a friendly, supportive, and relatable service to their clients.The ethos of her firm is “We Are Here to Help”. Stunning. Paula has seen it all and worked with so many FTBsover the years she is the ideal guest to help us understand the conveyancing stage a little better.Don’t forget! Episodes in this series are time stamped. This means you can easily jump to the partyou want to hear again or is most relevant to you right now.4:20-The conveyancing stage, an overview4:35-Stage 16:57-A must do before stage 2!8:32-Stage 214:23-Stage 316:47-Finding the right solicitor for you19:31-When a gift is involved23:35-A note on some important payments and prep26:06-Stage 428:40-Grants31:09-Payments in more detail33:36-A note on snag lists in new builds36:15-Wise words for us future FTBs For more information on getting mortgage ready visit: Getting Mortgage Ready - Mortgage Articles -Bank of Ireland For more information on mortgage rates visit: Mortgage Rates - Mortgages - Bank of Ireland For more information on the Bank of Ireland Mortgage Saver Account visit: Exclusive offer for FirstTime Buyers - Bank of Ireland For more information on Cashback visit: Cashback Plus | Mortgage | Bank of Ireland For more information on Self Builds visit: Why BOI - New Build Mortgage - Bank of IrelandBank of Ireland Mortgage bank trading as Bank of Ireland Mortgages u.c is regulated by the Central Bank ofIreland.T&Cs apply, for more information about Bank of Ireland Mortgages visit:http://www.bankofireland.com/mortgages

In this episode we sit down with quantity surveyor Shay Lally. Shay’s experience in renovating homes and commercial spaces as well as his cost consultancy service make him a stunning guest for our surveyor episode. Shay also runs Houses to Restore, a popular Irish Instagram account, especially among first-time buyers. He has some great insights, tips and tricks when it comes to viewings, hiring surveyors and carrying our works to your home. Don’t forget! Here at the FTBB we time stamp episodes so you can relisten to sections easily. 2:46-Types of surveyors.4:18-How much should we budget for surveys?6:36-When should you line up a surveyor and how do you choose one?  9:09-Red flags to look out for at viewings.12:57-Most common issues in older properties14:03-How much do the common issues cost to sort?15:40-Windows, heating and insulation, what should we budget?17:19-Must checks in viewings for every FTB.22:14-Some great notes on seeing damp patches. 23:43-When to do different works.26:09-Works you just cannot skip.27:46-Hiring a quantity Surveyor.   30:18-How does payment work for a reno and how not to do it.33:21-When to DIY/ SHEiy35:59-Final words of wisdom from Shay.For more information on getting mortgage ready visit: Getting Mortgage Ready - Mortgage Articles - Bank of Ireland For more information on mortgage rates visit: Mortgage Rates - Mortgages - Bank of IrelandFor more information on the Bank of Ireland Mortgage Saver Account visit: Exclusive offer for First Time Buyers - Bank of IrelandFor more information on Cashback visit: Cashback Plus | Mortgage | Bank of IrelandFor more information on Self Builds visit: Why BOI - New Build Mortgage - Bank of Ireland Bank of Ireland Mortgage bank trading as Bank of Ireland Mortgages u.c is regulated by the Central Bank of Ireland. T&Cs apply, for more information about Bank of Ireland Mortgages visit: http://www.bankofireland.com/mortgages

In this episode we sit down with Brian McCarthy, who has a wealth of experience as an auctioneer, valuer and agent ( MIPAV -member of the institute of professional auctioneers and valuers, TRV- Teegova residential Valuer to ECB standard.) Stunning!He has been involved in sales and purchases of both used and new properties, site sale and acquisition, private market and social housing. With over 15 years’ experience across many areas of residential real estate Brian is the ideal guest to give us an insight into the agent stage of your home buying journey. A must listen for anyone in the process!Don’t forget! Episodes in this series are time stamped. This means you can easily jump to the part you want to hear again or is most relevant to you right now.1:02-The Estate Agents role in the journey 3:16-Recommended research before a viewing4:50-Tips on assessing market prices for the area5:58-A note on sq ft6:43-Must asks at viewings10:37-Renegotiating if a survey comes back with surprises14:55-Negotiating Extras and what usually comes with a purchase17:02-A must do before completion 19:31-Common FTB errors and how to avoid 20:25-Before you put in an offer23:29-More tips on finding the one 26:00-Bidding and negotiation tips  32:30-Brian’s top tips he gives to FTB friends 35:00-A summary of the home buying process with an important note on booking deposits For more information on getting mortgage ready visit: Getting Mortgage Ready - Mortgage Articles - Bank of Ireland For more information on mortgage rates visit: Mortgage Rates - Mortgages - Bank of IrelandFor more information on the Bank of Ireland Mortgage Saver Account visit: Exclusive offer for First Time Buyers - Bank of IrelandFor more information on Cashback visit: Cashback Plus | Mortgage | Bank of IrelandFor more information on Self Builds visit: Why BOI - New Build Mortgage - Bank of Ireland Bank of Ireland Mortgage bank trading as Bank of Ireland Mortgages u.c is regulated by the Central Bank of Ireland. T&Cs apply, for more information about Bank of Ireland Mortgages visit: http://www.bankofireland.com/mortgages

In this episode we sit down with Joanne Geary, Managing Director of MyHome.ie to talk about The Search. This is a part of the home buying journey that we rarely get to hear conversations about or insider info on. Laura asks Joanne her top tips for FTBs, how to set your search up for success and of course, the real tea behind the numbers. Joanne has a wealth of experience in property and is the perfect person for episode 2 and this stage of your journey. Joanne spent 10 years driving the Sherry FitzGerald brand as Director of Marketing and Innovation. Previous to Sherry FitzGerald, Joanne held a board-level marketing role for Savills Ireland. This is a stunning conversation for any FTB that wants to know more and one I hope you enjoy.Don’t forget! Episodes in this series are time stamped. This means you can easily jump to the part you want to hear again or is most relevant to you right now. 02:30 Understanding the search and the buyer through myhome.ie stats 06:50-When should you start your search?07:55-How long does the buying process usually take?08: 50-Alerts and how to utilise them in the best way10:40-Setting your search up for success13:00-Data serving tea on asking prices v sold prices 20:00-Lesser-known viewing and location tips22:45-Online vs in person search, which is better24:32-The importance of the buyer/ agent relationship and how to get it right28.26-Questions you should be asking during your search30:10-Research not to forget in your search32:26-The one thing that hinders most searches37:15-The modern approach to searching for the one41:22-Joanne's Top Tips for FTBs

In this episode we sit down with Bank of Ireland Mortgage Specialist, Caroline. With over 20 years’ experience in financial services and 4 years at Boi, Caroline is the ideal expert to talk to us about the mortgage process. We will cover the most commonly ask questions, bust some myths and of course cover the things you should expect for this stage of buying your home. Want to skip to a section? Here’s the breakdown of this episode:00:00-Start02:38-The First Meeting05:05-Mortgage in principle07:23-Is there anything you wish FTBs knew going into the process?08:05-Types of mortgages11:08-Self-Build mortgages15:02-Getting mortgage ready17:40-Transaction myths18:21-Credit myths21:43-Single Buyers24:30-Self -employed28:56-Timeline of expected expense and payments31:00-Stamp duty32:30-Insurance36:13-Deposits38:10-Overpaying your mortgage43:00-Fear of being rejectedFor more information on getting mortgage ready visit: Getting Mortgage Ready - Mortgage Articles - Bank of Ireland For more information on mortgage rates visit: Mortgage Rates - Mortgages - Bank of IrelandFor more information on the Bank of Ireland Mortgage Saver Account visit: Exclusive offer for First Time Buyers - Bank of IrelandFor more information on Cashback visit: Cashback Plus | Mortgage | Bank of IrelandFor more information on Self Builds visit: Why BOI - New Build Mortgage - Bank of Ireland Bank of Ireland Mortgage bank trading as Bank of Ireland Mortgages u.c is regulated by the Central Bank of Ireland. T&Cs apply, for more information about Bank of Ireland Mortgages visit: http://www.bankofireland.com/mortgages