Tom O’Brien Estate Agents
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This Months Featured Property
Riverview, Ardfinnan, Co. Tipperary
Nestled just a short 5-minute stroll from the picturesque village of Ardfinnan, this stunning family abode offers an escape to tranquility like no other. With serene views of the River Suir, the historic Ardfinnan Castle, and the majestic Knockmeadown Mountains, this property promises a lifestyle of peace and natural beauty.
This spacious 200m² family home offers 4 bedrooms, a cozy conservatory, and a fully fitted kitchen. Explore a sprawling attic space and a versatile basement for income potential.
Co. Tipperary, renowned for its stunning landscapes and warm hospitality, offers the ideal setting for your dream home. Whether you’re seeking a spacious family sanctuary, additional work-from-home office space, or dreaming of unlocking the potential for lucrative Airbnb ventures, this property offers endless possibilities.
Considering offers around €395,000!
View our properties page for more information and photos
Don’t miss out on this incredible opportunity! Contact us today to schedule your viewing and start envisioning your idyllic Ardfinnan lifestyle in the heart of Co. Tipperary!
Properties
FOR SALE
Cashel
POA
Ashwell Hill, Cashel, Co. Tipperary
Bedrooms: 6 / Baths: 4 / BER:
FOR SALE
Ardfinnan
€450,000
Castlequarter, Ardfinnan, Co. Tipperary
Bedrooms: 4/ Baths: 3
FOR SALE
Ballylooby
POA
Ballylooby, Cahir, Co. Tipperary
Site with planning permission
FOR SALE
Ardfinnan
€365,000
Ballyneety, Ardfinnan, Co. Tipperary
Bedrooms: 3/ Baths: 0
Useful Information
Help To Buy
Scheme & First Home Scheme
The Help To Buy Scheme
What is the Help to Buy Scheme?
The Help to Buy scheme in Ireland is designed to assist first-time buyers of newly-built homes or once-off self-build properties. It offers a refund of income tax and Deposit Interest Retention Tax (DIRT) paid in Ireland over the previous four tax years.
https://www.gov.ie/en/service/bc9df-help-to-buy-htb-scheme/
Who Can Qualify?
To qualify for the HTB scheme:
You must be a first-time buyer purchasing or self-building a new residential property between 19 July 2016 and 31 December 2024.
The property must cost €500,000 or less.
If buying or self-building with someone else, they must also be a first-time buyer.
You must take out a mortgage of at least 70% of the purchase price (or 70% of the valuation for a self-build).
You must live in the property for at least five years to avoid any clawback of the relief.
Tax Requirements
If you’re a PAYE taxpayer, you need to be registered for Revenue’s online myAccount service. For self-assessed taxpayers, registration for the Revenue Online Service (ROS) is necessary. Additionally, you must be fully tax-compliant for the four years immediately preceding your claim.
Enhanced Relief
An enhanced relief is available for those who sign a contract for a new house or draw down on a self-build mortgage. This enhanced relief allows for a claim of up to:
€30,000,
10% of the purchase price of the property, or
10% of the completion value of a self-build, whichever is less.
How to Apply
To apply for the HTB scheme, you’ll need to complete online Form 12 (PAYE) or Form 11 (self-assessed) for each of the four years preceding your claim. Ensure all outstanding taxes are paid. If you’ve already applied under the original scheme, consider cancelling your application and reapplying to take advantage of the enhanced relief if eligible.
Conclusion
The Help to Buy scheme is a fantastic opportunity for first-time buyers in Ireland to make their homeownership dreams a reality. By understanding the eligibility criteria, tax requirements, and application process, you can navigate this scheme with confidence and secure the support you need to purchase your new home.
For more information and to apply, visit Revenue.ie.
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The First Homes Scheme
https://www.firsthomescheme.ie/
Understanding the First Home Scheme:
This scheme offers financial assistance and incentives to eligible applicants, thereby making homeownership more achievable.
Key Features and Benefits:
Deposit Assistance: One of the primary hurdles for first-time buyers is saving up for a hefty deposit. The First Home Scheme addresses this by providing financial assistance towards the deposit, reducing the upfront financial burden on buyers.
Shared Equity: Under this scheme, eligible buyers can opt for a shared equity arrangement, wherein the government or another approved agency contributes a portion of the purchase price. This shared equity reduces the mortgage amount required, making monthly repayments more manageable.
Income Thresholds: To ensure that the scheme targets those who genuinely need assistance, there are income thresholds in place. Applicants must meet specific income criteria to qualify for the scheme.
Regional Focus: The scheme acknowledges the varying housing market conditions across different regions of Ireland. As such, it may offer different levels of support depending on the location of the property being purchased.
New Builds: Emphasizing the importance of stimulating the construction sector, the First Home Scheme encourages the purchase of newly built properties. This not only helps first-time buyers but also supports the growth of the construction industry.
Impact and Success Stories: Since its inception, the First Home Scheme has had a significant impact on the Irish housing market. It has enabled countless individuals and families to step onto the property ladder, fulfilling their dreams of homeownership.
Disclaimer: Information provided regarding the First Homes Scheme and Help to Buy is subject to change and may not be exhaustive. Users are encouraged to verify details independently and consult with relevant authorities or professionals for the latest updates and personalized advice. Additionally, eligibility criteria and terms for these schemes may vary, and individual circumstances should be considered when making decisions.
Navigating The Mortgage Maze
Buying a home is a significant milestone in anyone’s life, but for many, it can seem like a daunting task, especially when it comes to securing a mortgage. In Ireland, the process of obtaining a mortgage has its intricacies and nuances. From understanding the various types of mortgages available to navigating through the application process, there’s a lot to consider.
Understanding Mortgages in Ireland: Before diving into the application process, it’s crucial to grasp the basics of mortgages in Ireland. There are different types of mortgages available, including fixed-rate mortgages, variable-rate mortgages, and tracker mortgages. Each type has its pros and cons, and it’s essential to evaluate which option aligns best with your financial goals and circumstances.
Preparing for Your Mortgage Application: Once you’ve decided on the type of mortgage that suits you, it’s time to prepare for the application process. Lenders will assess various factors when considering your application, such as your credit history, income stability, employment status, and existing debts. It’s advisable to review your finances beforehand and ensure all necessary documentation, such as bank statements, payslips, and proof of identity, is in order.
Applying for Your Mortgage: Once you’ve selected a lender, you can begin the application process. This typically involves filling out an application form and providing the necessary documentation. Be prepared for a thorough assessment of your financial situation, as lenders aim to ensure that borrowers can afford their mortgage repayments both now and in the future. It’s essential to be honest and transparent throughout the process to avoid any complications later on.
Mortgage Calculator:
https://www.mortgages.ie/go/first_time_buyers/tax_relief_calculator
or
https://www.ccpc.ie/consumers/money-tools/mortgage-calculator/
Traditional Banks:
1. AIB (Allied Irish Banks):
AIB is one of Ireland’s leading retail and commercial banks. They offer a range of mortgage options, including fixed-rate and variable-rate mortgages. AIB often provides competitive rates and may offer cashback incentives for new mortgage customers.
2. Bank of Ireland:
Another major player in the Irish banking sector, Bank of Ireland, offers various mortgage products to suit different preferences. They too frequently provide cashback offers to attract new customers, alongside flexible repayment options.
3. Ulster Bank:
As part of the NatWest Group, Ulster Bank is a significant lender in Ireland. Their mortgage offerings encompass fixed-rate, variable-rate, and tracker mortgages. Ulster Bank may provide cashback incentives and flexible terms to borrowers.
Digital Lenders:
1. KBC Bank Ireland:
KBC Bank Ireland is known for its innovative digital banking solutions. Their mortgage products often come with cashback offers and competitive rates. They also emphasize flexibility, allowing customers to manage their mortgages conveniently through online platforms.
2. Permanent TSB:
Permanent TSB is a retail bank in Ireland, offering various financial services, including mortgages. They may provide cashback incentives and flexible repayment options, catering to different borrower needs.
3. Avant Money:
Formerly known as “Haven Mortgages,” Avant Money is gaining traction in the Irish mortgage market. They aim to shake up traditional lending by offering cashback incentives and flexible terms. Avant Money’s digital-first approach appeals to tech-savvy borrowers.
Brokerage Firms:
Apart from direct lenders, mortgage brokerage firms like Mortgage123 and Mortgage Master can also help you navigate the mortgage market. These brokers work with multiple lenders, offering access to a wide range of mortgage products. They can provide personalized advice and assistance in finding the most suitable mortgage deal tailored to your financial situation.
Streamlining Your Mortgage Search:
Top Comparison Sites in Ireland
When it comes to securing a mortgage in Ireland, choosing the right deal is crucial. Fortunately, several comparison sites can simplify this process:
1. Bonkers.ie: Renowned for personal finance comparisons, Bonkers.ie offers a user-friendly platform to compare mortgage products from various lenders. Users can evaluate interest rates, terms, and more to find the best fit.
2. Switcher.ie: Primarily focused on utilities, Switcher.ie extends its services to mortgages. Its interface enables side-by-side comparisons of rates, fees, and repayment terms, aiding users in making informed decisions.
3. Irish Mortgage Calculator: While not a traditional comparison site, its calculator tool allows users to input loan details for personalized repayment insights, aiding in affordability assessment.
4. Mortgage123: Acting as a comprehensive comparison hub, Mortgage123 offers access to a wide range of lenders and products. Its user-friendly interface simplifies navigation, making it easier for users to explore options.
5. MyMortgages.ie: Combining expert advice with technology, MyMortgages.ie provides personalized recommendations based on individual circumstances and preferences. From fixed-rate to variable options, it offers comprehensive insights for users.
In the dynamic mortgage market, comparison sites empower consumers to navigate options efficiently. However, it’s crucial to approach decisions with diligence, considering factors like interest rates and hidden fees. Consultation with financial advisors and thorough research ensures alignment with financial goals and circumstances.
Your mortgage journey is a significant step towards homeownership and financial security. Utilize these reputable comparison sites to embark on this journey confidently, armed with the knowledge needed to make informed decisions in less time.
Disclaimer: Information provided is subject to change, and accuracy cannot be guaranteed. Users should independently verify details and seek professional advice. Content serves as a general overview and may not reflect current offerings. Individual financial situations vary, and decisions should be made based on personal circumstances.
Exploring South Tipperary’s Villages and Towns
Now, let’s take a closer look at some of the enchanting villages and towns that make South Tipperary a desirable place to call home:
Cahir: Situated on the banks of the River Suir, Cahir is a historic town with a rich heritage. Explore Cahir Castle, one of Ireland’s largest and best-preserved castles, or stroll along the scenic riverbank.
Clonmel: As the largest town in South Tipperary, Clonmel offers a vibrant mix of urban amenities and natural beauty. Visit the Main Guard, a stunning Tudor-era building, or take a hike in the nearby Comeragh Mountains.
Cashel: Known for its iconic Rock of Cashel, this picturesque town is steeped in history and charm. Explore the medieval ruins atop the rock, then wander through the quaint streets lined with traditional Irish pubs and shops.
Fethard: Tucked away in the tranquil Tipperary countryside, Fethard is a hidden gem waiting to be discovered. Explore its well-preserved medieval walls, visit the Holy Trinity Church, or simply enjoy the peaceful surroundings.
Clogheen: Surrounded by rolling hills and lush forests, Clogheen is a haven for outdoor enthusiasts. Take a hike in the nearby Knockmealdown Mountains or explore the scenic Glen of Aherlow.
Ballyporeen: This charming village is best known as the ancestral home of former US President Ronald Reagan. Visit the Reagan Homestead and Museum, then explore the surrounding countryside dotted with farms and pastures.
Ardfinnan: Nestled along the banks of the River Suir, Ardfinnan is a picturesque village with a rich history. Explore the ruins of Ardfinnan Castle, take a leisurely stroll along the riverbank, or enjoy a pint at one of the local pubs.
Burncourt: Tucked away in the scenic Galtee Mountains, Burncourt is a haven for outdoor enthusiasts. Hike through the breathtaking Glen of Aherlow, explore the nearby Rock of Cashel, or simply enjoy the tranquility of the countryside.
Kilsheelan: With its charming riverside setting and historic landmarks, Kilsheelan is a hidden gem waiting to be discovered. Visit the picturesque Kilsheelan Bridge, explore the ruins of Kilsheelan Castle, or take a scenic walk along the banks of the River Suir.
Tipperary Town: As the namesake of the county, Tipperary Town is steeped in history and culture. Explore the Tipperary Excel Arts Centre, visit the Tipperary County Museum, or stroll through the town’s bustling streets lined with shops and cafes.
Ballylooby: This quaint village offers a peaceful retreat from the hustle and bustle of city life. Explore the surrounding countryside, visit the historic Ballylooby Castle, or simply relax and enjoy the laid-back atmosphere.
Grange: Situated in the scenic Glen of Aherlow, Grange is a charming village surrounded by natural beauty. Take a hike in the nearby Galtee Mountains, visit the Glen of Aherlow Nature Park, or simply soak in the breathtaking views of the countryside.
South Tipperary’s villages and towns offer a diverse array of attractions, from historic landmarks and cultural treasures to outdoor adventures and scenic beauty.
Disclaimer: Please be advised that the information pertaining to and provided herein may not be fully accurate or current. While every attempt has been made to ensure the reliability of the data, variables such as demographic shifts, infrastructure developments, and changes in local governance could impact its accuracy. Users are urged to independently verify the information obtained from this source through official channels or local authorities before relying on it. We do not warrant the completeness, accuracy, or reliability of the information provided, and disclaim any responsibility for errors or omissions in the content.
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Contact us – tomobrienestateagents@gmail.com
The Square
Cahir
Co. Tipperary
