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

• 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.

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

• 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.

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

• 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 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.

• 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 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 

• 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 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

• 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.