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Posts by Karl Deeter
Dr. Conor McCabe – deserves a PhD in slagging!
I wrote a chapter in a book called 'What if Ireland Defaults' on possible effects on the mortgage market, I was kind of proud of it unt...
Definitions: The ‘Reason Why’ statement or ‘Statement of Suitability’
The Central Bank, Consumer Protection Code, states that all financial services providers must provide a potential customer with a writt...
Waiting to go bang. The need for new forbearance.
We have seen a new type of potential mortgage problem that hasn't shown up on the radar as of yet, it's with larger residential investo...
Why make out that a phone call is a felony?
I'm normally a fan of Stephen Donnelly's but have to wonder if there is some bias in his article this week. In looking at this from a ...
Financing pre-63 properties
We have covered pre-63 properties in the past and talked about how many of them have very strong cash-flows. The recent downside we've...
New PTsb products
PTsb have just issued a new rates matrix and the prices are good, they have a standard SVR for all loan to value amounts (ie: 90%) of 3...
Refusal of Credit CCA 1995
Under the the Consumer Credit Act 1995 where a credit provider refuses to provide credit to a consumer, the consumer is entitled to ask...
Lifetime mortgages, SHIP, reversion loans explained
A Lifetime Mortgage is a housing loan, but with no immediate repayments and the borrower can continue to live in their own home. This t...