Irish Property Owners Association budget 2013 response The Budget failed to address one of the key issues for landlords in the private rental sector, who are providing good quality homes for... Continue reading
Know your customer ‘KYC’ and fact finding Knowing your Customer - Fact Finding A regulated entity must know and understand the clients situation and needs, prior to offering fi... Continue reading
Dear Banks, leave me alone… How to speak to them In the process of negotiating with banks many of our customers feel various things, like intimidation, fear, confusion and anger. In tr... Continue reading
Lowering mortgage costs by cancelling life policies? Caution: I am not advising that anybody breaks their mortgage contract, or does this, it's just an interesting 'what if' because we are... Continue reading
Making property tax relevant to local expenditure Patrick King of Dublin City Chamber and I presented a paper to the Dublin Economics Workshop this year about how we could match a prope... Continue reading
Mortgage Activity since 2005 I thought the following chart was an interesting visual on how far the mortgage market has fallen since the peak in 2006, draw your own... Continue reading
Disintermediation – can you beat the banks with alternatives? Banks take money from depositors, lend it to borrowers and keep the difference between what they pay the depositors and what they lend ... Continue reading
Talking property tax on WLR FM We spoke to WLRFM yesterday (sound file here) about some of the contentious issues with a market value based property tax. Using values... Continue reading
‘Wat’er rip off! Yet another downside of market value based property tax Not linking a property tax to the cost of running a local authority means we will have no idea of exactly what we are paying for. When ... Continue reading
Four channels, one show, different prices – lending looking up in 2013? AIB currently have four lending channels, there is AIB direct (their branches), AIB Broker (via the Ballsbridge HQ), EBS (done through ... Continue reading