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src="http://www.philiporeilly.ie/images/spacer.gif" width="1" height="8 " border="0" alt="" /></td> </tr> <tr> <td><div align="right" class="ebsLinks">Location&nbsp;</div></td> <td><span class="style1"> <select name="my_loc1" size="1" class="MainbodyText" style="width: 130px"> <option value="Any" selected="selected">Any</option> <option value="Ennis Area">Ennis Area</option> <option value="North and West Clare">North and West Clare</option> <option value="Shannonside and East Clare">Shannonside and East Clare</option> </select> </span></td> </tr> <tr> <td><img src="http://www.philiporeilly.ie/images/spacer.gif" width="1" height="8 " border="0" alt="" /></td> <td><img src="http://www.philiporeilly.ie/images/spacer.gif" width="1" height="8 " border="0" alt="" /></td> </tr> <tr> <td>&nbsp;</td> <td> <input value="0" name="typeofproperties" type="hidden" /> <input value="Any" name="my_type1" type="hidden" /> <input type="submit" value="Search" class="stlye2" name="submit" onclick="Changeaction(this.my_cat1)" /> &nbsp;&nbsp;</td> </tr> <tr> <td>&nbsp;</td> <td>&nbsp;</td> </tr> </table> </form><!-- #EndLibraryItem --></td> </tr> <tr> <td><!-- #BeginLibraryItem "/Library/featured-prop.lbi" --> <style type="text/css"> <!-- .stlye2 { font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 11px; font-weight: bold; color: #3F6694; text-transform: none; } .style21 {font-size: 11px; font-weight: bold; text-transform: none; font-family: Verdana, Arial, Helvetica, sans-serif;} --> </style> <table width="203" border="0" align="left" cellpadding="5" cellspacing="0" background="../images/featuredprop-bg.gif"> <tr> <td height="32" align="left">&nbsp;</td> </tr> <tr> <td> <div align="center"><span class="stlye2">Cregg Beach, Lahinch, Co. Clare </span> <br /> <!-- <strong class="style21"><font color="#CF2E4C">PRICE: ¬ 289,500 </font></strong> --> </div></td> </tr> <tr> <td><table width="60" border="1" align="center" cellpadding="2" cellspacing="0" bordercolor="365880" bgcolor="#FFFFFF"> <tr> <td width="120"><div align="center"><a href="oftheweek.htm"><img src="../images/ofthemonth/cregg-small.jpg" alt="Cregg Beach" width="120" height="85" border="0" /></a></div></td> </tr> </table></td> </tr> <!-- <tr> <td><div align="center"> <applet code="TextScroll.class" width="160" height="80" border="2" vspace="0" class="sapp" hspace="2" codebase="../property"> <param name="data" value="../property/news-blk.txt" /> </applet> </div></td> </tr> --> </table> <!-- #EndLibraryItem --></td> </tr> <tr> <td><!-- #BeginLibraryItem "/Library/new-devs.lbi" --> <table width="203" border="0" align="left" cellpadding="0" cellspacing="0" background="../images/darkerblue-bg.gif"> <tr> <td width="203" align="left"><img src="../images/prop-newdev.gif" /></td> </tr> <tr> <td><div align="center"><span class="stlye2">Galway Road, Ennis<br /> </span> <strong class="style8"><strong>L&Eacute;IM AN BHRAD&Aacute;IN </strong></strong> <br /> </div></td> </tr> <tr> <td><table width="135" border="1" align="center" cellpadding="2" cellspacing="0" bordercolor="365880" bgcolor="#FFFFFF"> <tr> <td><a href="property-special.htm"><img src="../images/leim-an-bhradain-special.gif" width="144" height="87" border="0" /></a></td> </tr> </table></td> </tr> <tr> <td height="15"><div align="center"><span class="style1"><span class="stlye2"><img src="../images/MENU_r23_c1.gif" alt="separator" width="203" height="15" /></span></span></div></td> </tr> <tr> <td height="0" valign="top"><form action="http://www.philiporeilly.com/cgi-bin/pormail.cgi" onsubmit="MM_openBrWindow('','','')" target="EmailList" class="formMargins"> <div align="center" class="style1"> <table width="100%" border="0" cellspacing="0" cellpadding="2" height="28" align="center"> <tr> <td height="28"><div align="center"><span class="stlye2">Receive our Newsletter<br /> </span><font face="Verdana, Arial, Helvetica, sans-serif">Simply enter your email address and submit.</font> </div></td> </tr> </table> <input type="hidden" name="flavor" value="subscribe" /> <input type="hidden" name="list" value="Latest_News_from_www.PhilipOReilly.com" /> <input name="email" type="text" class="CONTENT" value="email address here" size="20" onfocus="this.value=''" /> <input name="submit" type="submit" class="table_content" value="Go!" /> <font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b><br /> </b></font><font face="Verdana, Arial, Helvetica, sans-serif"><span class="private">We maintain a strict &quot;No Spam&quot; policy. See our <a href="../privacypolicy.htm">Privacy Policy</a>.</span></font> <br /> <br /> </div> </form></td> </tr> </table> <!-- #EndLibraryItem --></td> </tr> <tr> <td><table width="203" border="0" cellpadding="0" cellspacing="0" bgcolor="#B9C7D9"> <tr> <td><img src="../images/bottomline-sidemenu.gif" width="203" height="1" alt="bottom" /></td> </tr> </table></td> </tr> </table></td> <td width="544" valign="top"> <table width="97%" border="0" cellspacing="0" cellpadding="0" align="right"> <tr> <td width="25" height="27"><div align="left"><img src="../images/head_prop_sq.gif" alt="Financial Services" width="19" height="19" /></div></td> <td width="419" class="headingPOR"><!-- #BeginEditable "header" -->PROPERTY SERVICES <!-- #EndEditable --></td> <td width="96" class="hText"><div align="right"><a href="../index.htm" class="ebsHomePageTitles">home</a></div></td> </tr> <tr> <td height="8" colspan="3" background="../images/head_dots.gif" ></td> </tr> <tr> <td colspan="3"><br /> <!-- #BeginEditable "main contents" --> <table width="437" cellspacing="0" cellpadding="0" align="center" border="0"> <tr> <td> <span class="propertyTitles">Jargon Buster</span><br /> <div align="center"> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Acceptance Fee: </b>This is charged by some banks and building societies when they give you a mortgage. does not charge an acceptance fee.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Annualised Percentage Rate (APR):</b> this is a financial tool to help you identify the true cost of borrowing and to give you a way of comparing the true cost of different types of loan.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Annuity Mortgage: </b>This is another term for a capital and interest repayment mortgage. As the mortgage progresses over time the interest element of the repayment decreases while the capital element increases. Thus allowing the mortgage to be paid in full at the end of the term.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Base Rate: </b>This is commonly used to refer to the mortgage lenders' standard variable rate.<br /> <br /> <b>Building Insurance:</b> The insurance covering the structure of the building. Any mortgage lender will need their interest in your home to be noted on the policy.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Buy to Let Loan to Value Ratio:</b> The loan to value ratio is the percentage of the loan that you are borrowing relative to the value of the property that you are buying. </font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Capital:</b> The main part of the loan, in other words the original amount borrowed.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>CAR (Compound Annual Rate): </b>CAR (Compound Annual Rate) Interest rates are expressed as compound annual rate (CAR) in order to make a comparison of different returns for different periods or interest rates. CAR is the equivalent rate per annum and assumes that for periods of longer than one year, the interest is compounded on an annual basis. In simple terms CAR is what the interest rate would be if interest was paid or credited each year.</font></p> <p align="justify"><b><font face="Verdana, Arial, Helvetica, sans-serif" size="2">Completion: </font></b><font face="Verdana, Arial, Helvetica, sans-serif" size="2">The point at which the legal formalities of buying a property or mortgage are finalised and you receive the money. </font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Contract:</b> A written legal agreement between the seller and the buyer. </font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Conveyancing Fee: </b>A fee charged by a Solicitor for arranging the necessary legal work in transferring the ownership of a property.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Deeds:</b> The documents that show the owner is legally entitled to the property.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Disbursements (conveyancing and outlay): </b>The costs your solicitor has to pay to carry out their work such as searches, Land Registry fee, photocopying, postage and couriers. They in turn, will charge you.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Endowment Mortgage:</b> Interest on the mortgage is paid each month to a financial institution and repays the capital from the proceeds of an endowment policy at the end of the loan term.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Equity: </b>The value of the property less the mortgage.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>First Charge: </b>Normal legal charge used to secure the main (first) mortgage. A lender with a first legal charge over a property has first call on any funds available when the property is sold.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Fixed Rate Loan: </b>A loan where the initial payments are based on a standard interest rate for a set period and the rate you pay will not change during that period.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Freehold: </b>Owning the property and the site on which it sits with no charges or other interests in the property.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Gazumping: </b>When the person selling the property cancels their agreement on an offer from one buyer, in order to accept the offer of a higher price.<br /> </font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Gross Interest Rate:</b> The rate of interest earned on a savings account without the deduction of tax.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Ground Rent:</b> This is rent you pay each year on long lease.<br /> <br /> <b>HomeBond: </b>This is a service provided by the National Housing Building Guarantee Scheme, through registered builders, to people buying new privately built houses and apartments. It provides a:</font></p> </div> <ul> <li> <div align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2">Guaranteed (limited) against losing your deposit if the builder goes into bankruptcy or liquidation.<br /> </font></div> </li> <li> <div align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2">A 10 year Defect Warranty against major structural faults which happen within 10 years of completion.<br /> </font></div> </li> <li> <div align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2">A 2 year Defect Warranty against water and smoke damage after completion.</font></div> </li> </ul> <div align="center"> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>HB47: </b>This is the certificate issued by HomeBond confirming that the property address on the certificate has been registered and is covered under their HomeBond Guarantee Scheme.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Land Registry Fee: </b>A fee you must pay to the Land Registry to change an entry in their records after you buy your home.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Leasehold: </b>A property that is leased by the owner to a leasehold or tenant for a fixed term. Unless the period of the lease lasts for at least 30 years, it will be difficult to get a mortgage on the property.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Legal Searches:</b> Searches are carried out by your solicitor on all properties to check the person selling the property has a legal right to it and that there is no other interest shown on the title.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Loan Approval Certificate:</b> A certificate issued by to a customer before they select a specific property. It confirms the specific amount of loan the customer can borrow. However, must be satisfied with the selected property before a full loan application can be approved.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Loan to Value (LTV):</b>The amount you wish to borrow expressed as a percentage of the value of the property.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Mortgage Indemnity Bond: </b>An insurance policy to cover the mortgage amount over the maximum amount the lender would otherwise have loaned you. pays the cost of this.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Mortgage Protection:</b> This refers to any life cover you need to pay off the loan if you die.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Negative Equity:</b> This means that the value of the property is less than the mortgage owed. This can arise if property prices fall significantly.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Net Interest Rate:</b> The rate of interest earned on a savings account after the deduction of tax.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>NHGBS:</b> The National Housing Building Guarantee Scheme was established to ensure that proper building standards are maintained and protects purchasers by underwriting any major structural defects. Under the scheme builders and developers register properties with the scheme and pay a fee for each of them. The buildings are inspected by officials during construction and when everything is completed satisfactorily, a certificate is issued guaranteeing the property against structural faults for a up to 10 years. Should a fault or defect occur, the builder or developer is responsible for rectifying it. </font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Pension Mortgage:</b> An interest-only loan where the capital will be repaid from the tax-free cash that you can receive from the pension fund when the policy comes to an end.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Professional Indemnity Insurance:</b> Insurance that a professional must take out to provide cover in the event of professional negligence.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Redemption:</b> Paying off the mortgage, either to move to another property or at the end of the mortgage term.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Refinancing:</b> Refinancing refers to the transferal of borrowings to a different lender, usually to get more attractive terms or to raise more capital. </font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Searches:</b> Searches are carried out by your solicitor on all properties to check the person selling the property has a legal right to it and that there is no other interest shown on the title.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Security/Collateral:</b> The mortgage is secured against your home. A mortgage lender is entitled to sell the house if repayments are not maintained.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Special Conditions:</b> Specific terms of the mortgage, usually shown in the loan offer letter.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Specified All Risks Items:</b> Specified All Risks covers specified items such as jewellery, sports equipment, bicycles for loss or theft both inside and outside of the home. </font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Split Loans:</b> This is a loan where part is on a fixed rate and part is on a variable rate. In order to do this the loan has to be split accordingly and two separate account numbers are generated to represent each portion of the split. </font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Stage Payments:</b> This term refers to a loan cheque issued in several stages. They are used, for example, when applicants are building their own home by direct labour and cheques are normally issued at foundation stage, wall plate stage, roofing and completion stage. </font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Stamp Duty (on the purchase deed): </b>A government tax which is charged on second hand properties and new houses if the floor area is greater than 125sq metres (1345 sq.ft).</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Survey:</b> A full inspection of a property to check that it is structurally sound.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Term: </b>The agreed length of time over which the mortgage is to be repaid.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Title: </b>The legal right to ownership of a property.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Top Up Loan:</b> A type of second mortgage loan on a property.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Unspecified All Risks Items:</b> Unspecified All Risks covers unspecified items such as jewellery, sports equipment, bicycles for loss or theft both inside and outside of the home. </font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Valuation:</b> An inspection carried out for the benefit of the mortgage lender to see if the property will provide good security for a loan. This is not a structural survey - see &quot;survey&quot; above.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Valuation Fee:</b> A fee you must pay to the lender to arrange an inspection of the property. The cost is calculated at EUR 1.30 per EUR 1,000 of the purchase price subject to a minimum fee of EUR 50 and a maximum fee of EUR 127.00. You will normally pay this when you make your full application.</font></p> <p align="justify"><font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b>Variable Rate Loan:</b> A loan where interest rates can increase or decrease throughout the term of a loan.</font></p> </div> </td> </tr> </table> <!-- #EndEditable --></td> </tr> </table></td></tr> </table></td> </tr> </table> <table width="780" border="0" align="center" cellpadding="2" cellspacing="0"> <tr> <td><div align="right"> <table width="100%" cellspacing="0" cellpadding="0" border="0"> <tr> <td width="83%" height="40"><div align="left"><span class="footerlinks">Philip O Reilly &amp; Co Ltd. T/A &quot;Philip O Reilly Property Plus.&quot;</span><b><br /> <span class="footerlinks">Registered in Ireland. Registered Office: 22 Abbey St. Ennis, Co Clare, Ireland. Registered No: 88408.</span><font color="#FFFFFF"><span class="footerlinks"></span></font><br /> <span class="footerlinks">Tel: + 353 65 68 44448&nbsp; Fax: + 353 65 68 20496&nbsp;&nbsp;&nbsp;E-Mail:</span><span class="footerlinks"><a href="mailto:info@philiporeilly.com"><font color="#FFFFFF">info@philiporeilly.com</font></a></span></b><br /> <b><br /> </b></div></td> <td width="9%" rowspan="3"><div align="center"><img src="../images/iso.gif" alt="ISO 9001 Quality Assured Firm" width="50" height="45" border="1" /><img src="../images/ivai.gif" width="69" height="45" alt="Member of IAVI, the Irish Auctioneers and Valuers Institute." /><img src="../images/iba_logo.gif" width="50" height="46" /></div></td> </tr> <tr> <td class="sidebarWhiteLink"><div align="left"><a href="../index.htm" class="sidebarWhiteLink">Home </a>- &nbsp;<a href="index.htm" target="_parent" class="sidebarWhiteLink" >Property </a>- <a href="../finance/index.htm" target="_parent" class="sidebarWhiteLink" >Finance </a>- <a href="../insurance/index.htm" target="_parent" class="sidebarWhiteLink" >Insurance </a>- <a href="../mortgages/loan-centre/index.htm" target="_parent" class="sidebarWhiteLink" > Mortgage Centre </a>- <a href="../taxcentre/index.htm" target="_parent" class="sidebarWhiteLink" >Tax Centre </a>- <a href="../Quotation.htm" target="_parent" class="sidebarWhiteLink" >Quotation Centre </a>- <a href="../about_us_1.htm" class="sidebarWhiteLink">About Us </a>- <a href="../site-map.htm" target="_parent" class="sidebarWhiteLink" >Site Map </a>- <a href="../news.htm" class="sidebarWhiteLink">News</a> - <a href="../news.htm" class="sidebarWhiteLink"><font color="#FFFFFF"><br /> </font></a><a href="JargonBuster.htm" class="sidebarWhiteLink">Jargon Busters </a><font color="#FFFFFF">-</font> <font face="Verdana, Arial, Helvetica, sans-serif" size="1"><a href="../comments_1.htm" class="sidebarWhiteLink">Comments </a><font color="#FFFFFF">-</font> </font><a href="mailto:info@philiporeilly.com" class="sidebarWhiteLink">E-Mail </a><font color="#FFFFFF">-</font> <font color="#FFFFFF"><a href="../termsofbusiness.htm" class="sidebarWhiteLink">Terms of Business</a> - </font><a href="../productproviders.htm" class="sidebarWhiteLink">Product Providers </a>- <small class="sidebarWhiteLink"><a href="../status.htm" class="sidebarWhiteLink">Statement of Authorised Status </a>-&nbsp;<font face="Verdana, Arial, Helvetica, sans-serif" size="1"><a href="../privacypolicy.htm" class="sidebarWhiteLink">Privacy Policy </a></font></small><small class="sidebarWhiteLink">&nbsp;</small> </div></td> </tr> <tr> <td height="24" valign="top" class="sidebarWhiteLink"><div align="left"><span class="footerlinks"><br /> Philip O'Reilly &amp; Co Ltd., trading as &quot;Philip O Reilly Property Plus&quot; is regulated by the Financial Regulator as a Multi Agency Intermediary &amp; Mortgage Intermediary in respect of Mortgages &amp; Financial Services. 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