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

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 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 IrelandBank 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 


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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 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 IrelandBank 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 


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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 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 IrelandBank 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 


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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

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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 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 IrelandBank 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

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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 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 IrelandBank 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.