This episode is a must-listen for anyone embarking on the journey of buying a home, especially focusing on the crucial six-month preparation period before applying for a mortgage.

In This Episode:

- Getting Organised: Understand why the six months leading up to your mortgage application are vital and how to best prepare during this period.

- Credit Reports Decoded: Learn the importance of checking your credit report early and how to address any unexpected issues that might arise.

- Financial Habits for Success: Discover practical tips for maintaining clean bank statements and why certain spending habits can be red flags to lenders.

- Savings Strategies: Gain insights into effective savings techniques, setting up different accounts for various needs, and how to plan for additional costs beyond your deposit.

- Mortgage Exemptions Explained: Get a clear understanding of the recent changes in mortgage lending rules in Ireland, including exemptions and how they might apply to you.

Episode Highlights:

- The significance of being financially organised before applying for a mortgage.

- The impact of your credit history and how to preemptively tackle potential issues.

- Tips on managing your finances, from avoiding gambling transactions to handling overdrafts.

- Strategies for saving effectively, including how to allocate funds for immediate needs and long-term goals.

- Understanding the nuances of mortgage lending rules and how to potentially qualify for exemptions.

Support the Podcast:

If you find value in my podcast and Instagram, consider supporting me on Patreon at patreon.com/crazyhouseprices. Your support helps me continue delivering valuable content and grants you access to exclusive bonus material, including Q&As where I answer every question sent in, and the opportunity to engage with my community of over 100,000 followers.

Stay Connected:

Don’t forget to follow me on Instagram [@CrazyHousePrices] for daily updates and tips on navigating the ever-changing landscape of the housing market in Ireland.

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You can order my book: "How to buy a home in Ireland" here

Sponsors: Beat The Bank & Daft.ie