By Laura de Barra
Welcome to the First- time Buyers Bible by Bank of Ireland. Demystifying the home buying journey through conversations with experts.
The First-time Buyer’s Bible is an 8-episode series th
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The podcast currently has 8 episodes available.
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 x
00:22-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 mortgages
15:34-A note on insurance
18:45-Different types of mortgages
19:50-First-time buyer features in mortgages
23:10-Myth Busting
25:11-How is your affordability assessed
28:15-Overpayments
29:00-Grants
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
Hosted on Acast. See acast.com/privacy for more information.
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 avoid
05:38-Quick tips on the main appliances
11:25-A major tip!
12:05-A costly mistake to avoid
13:55-The Fridge, deep dive
18:55-The Oven, deep dive
21:45-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 hoods
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
Hosted on Acast. See acast.com/privacy for more information.
This week I sit with Harrison Gardner, who's an author, builder, and teacher with 15 years’ experience designing and managing the construction of conventional and alternative buildings worldwide. Stunning. His book, Build Your Own, guides own builders on the fundamentals of construction and managing a self-built project.
He's also co-founder of Common Knowledge, the non-profit social enterprise focused on sharing skills for a sustainable life. And we Love his work. So we're going to talk more on this. He's also the host of Build Your Own, a four-part TV series on RTE. It follows the trials and tribulations of homeowners across Ireland as they take on the challenge of building their own home.
He is the perfect person to speak to about building your own and the larger side of renovations and how we can make them more sustainable. This is a wonderful and comforting episode that I think you will really enjoy.
1:00-What is Common Knowledge
04:35-The importance of DIY now
06:30-The reality of building your own
08:02-Expect the unexpected
11:40-What are the stages of building a gaff
14:45-The importance of asking questions
16:00-The effect of lockdowns on self build
17:09-Who choses to build their own
19:39-A stunning insight into Harrisons own home
22:34-The Tea on building your own
29:40-Sustainable sourcing for your home, where to go?
31:00-Developing your build your own mentality
41:15-Great courses to do
43:35-A very important tip if you ever want to self-build
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
Hosted on Acast. See acast.com/privacy for more information.
In this episode we sit down with solicitor (and general icon) Paula McHugh. Paula opened her own general
practice in 1991 and over 32 years as a general practitioner she has gained expertise in Conveyancing both
Residential 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 academic
achievements offer a dynamic solution focused response to any legal problem. Her team consist of 7 dedicated
colleagues 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 FTBs
over 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 part
you want to hear again or is most relevant to you right now.
4:20-The conveyancing stage, an overview
4:35-Stage 1
6:57-A must do before stage 2!
8:32-Stage 2
14:23-Stage 3
16:47-Finding the right solicitor for you
19:31-When a gift is involved
23:35-A note on some important payments and prep
26:06-Stage 4
28:40-Grants
31:09-Payments in more detail
33:36-A note on snag lists in new builds
36:15-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 First
Time 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 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
Hosted on Acast. See acast.com/privacy for more information.
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 properties
14:03-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/ SHEiy
35:59-Final words of wisdom from Shay.
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
Hosted on Acast. See acast.com/privacy for more information.
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 viewing
4:50-Tips on assessing market prices for the area
5:58-A note on sq ft
6:43-Must asks at viewings
10:37-Renegotiating if a survey comes back with surprises
14:55-Negotiating Extras and what usually comes with a purchase
17:02-A must do before completion
19:31-Common FTB errors and how to avoid
20:25-Before you put in an offer
23:29-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
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
Hosted on Acast. See acast.com/privacy for more information.
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 way
10:40-Setting your search up for success
13:00-Data serving tea on asking prices v sold prices
20:00-Lesser-known viewing and location tips
22:45-Online vs in person search, which is better
24:32-The importance of the buyer/ agent relationship and how to get it right
28.26-Questions you should be asking during your search
30:10-Research not to forget in your search
32:26-The one thing that hinders most searches
37:15-The modern approach to searching for the one
41:22-Joanne's Top Tips for FTBs
Hosted on Acast. See acast.com/privacy for more information.
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-Start
02:38-The First Meeting
05:05-Mortgage in principle
07:23-Is there anything you wish FTBs knew going into the process?
08:05-Types of mortgages
11:08-Self-Build mortgages
15:02-Getting mortgage ready
17:40-Transaction myths
18:21-Credit myths
21:43-Single Buyers
24:30-Self -employed
28:56-Timeline of expected expense and payments
31:00-Stamp duty
32:30-Insurance
36:13-Deposits
38:10-Overpaying your mortgage
43:00-Fear of being rejected
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
Hosted on Acast. See acast.com/privacy for more information.
The podcast currently has 8 episodes available.