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<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" -->Purchasing Property<!-- #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" --> <span class="propertyTitles"> Purchase Costs <br /> </span> <div align="justify"> <p> </p> The costs involved in purchasing a property will depend on whether the property is residential or commercial: <ul> <li><b>&nbsp;</b><span class="CONTENT"><a href="#Home">Home Purchase Costs</a></span></li> <li class="CONTENT">&nbsp;<a href="commercial-costs.htm">Commercial Purchase Costs</a></li> </ul> <p><b>Home<a name="Home" id="Home"></a> Purchase Costs</b></p> <p> In addition to the purchase price of a property it is important that purchasers understand the other costs involved in the transaction. </p> </div> <table width="100%" border="0" cellpadding="0" cellspacing="0" class="tableContentHeadingsProp"> <tr> <td>&nbsp;Legal Fees </td> </tr> </table> <div align="justify"> <p> These can vary between Solicitor firms and consequently one should get a quotation before proceeding with the transaction. The usual fee quoted by Solicitors is approximately 1% of the purchase price plus VAT, plus &euro;125. However, Solicitors will agree to negotiate on fees. The other charges with your Solicitor should be agreed before commencement. Other charges arising are outlays such as postage, services to ensure the title is clear, cost of Land Certificate (title deed) and perhaps some costs associated with the mortgage. Most of these costs are outlined below.</p> <p>When your Solicitor buys the property the main task is to register that property with the land registry or the registry of deeds depending on the type of Title on the property being purchased. The land registry and registry of deeds are government bodies and the fees applicable for registration are as set out below. </p> </div> <p align="justify">Your Solicitor will determine the nature of the title to your property. The costs incurred will depend on whether the title is held in the land Registry or the Registry of Deeds.<br /> </p> <table width="100%" border="0" cellspacing="0" cellpadding="2"> <tr bgcolor="#FFFFFF"> <td colspan="2"> <div align="left"><b>Land Registry Fees</b></div> </td> </tr> <tr> <td width="90%">Registration of mortgage</td> <td width="10%"> <div align="center">&euro;126.97</div> </td> </tr> <tr bgcolor="#FFFFFF"> <td colspan="2"> <div align="left"><b><br /> Registration of Ownership</b></div> </td> </tr> <tr> <td width="90%"> <div align="left">Application for registration for a transfer on sale where the value of the consideration is not in excess of &euro;10,000</div> </td> <td width="10%"> <div align="center">&euro;126.97</div> </td> </tr> <tr> <td width="90%"> <div align="left">In excess of &euro;10,000 but not in excess of &euro;20,000</div> </td> <td width="10%"> <div align="center">&euro;190.46</div> </td> </tr> <tr> <td width="90%"> <div align="left">In excess of &euro;20,000 but not in excess of &euro;40,000</div> </td> <td width="10%"> <div align="center">&euro;253.95</div> </td> </tr> <tr> <td width="90%"> <div align="left">In excess of &euro;40,000 but not in excess of &euro;200,000</div> </td> <td width="10%"> <div align="center">&euro;380.92</div> </td> </tr> <tr> <td width="90%"> <div align="left">In excess of &euro;200,000 but not in excess of &euro;300,000</div> </td> <td width="10%"> <div align="center">&euro;507.90</div> </td> </tr> <tr> <td width="90%" height="2"> <div align="left">In excess of &euro;300,000</div> </td> <td width="10%" height="2"> <div align="center">&euro;634.87 </div> </td> </tr> <tr bgcolor="#FFFFFF"> <td colspan="2"> <div align="right"></div> <div align="left"><b><br /> Other Charges</b></div> </td> </tr> <tr> <td width="90%"> <div align="left">Land Certificate</div> </td> <td width="10%"> <div align="right">&euro;25.39</div> </td> </tr> <tr> <td width="90%"> <div align="left">Certificate of Charge</div> </td> <td width="10%"> <div align="right">&euro;6.35</div> </td> </tr> <tr> <td width="90%"> <div align="left">Copy Folio</div> </td> <td width="10%"> <div align="right">&euro;25.39</div> </td> </tr> <tr bgcolor="#FFFFFF"> <td colspan="2"> <div align="left"><b><br /> Registry of Deeds Fees</b></div> </td> </tr> <tr> <td width="90%"> <div align="left">Memorial of Mortgage</div> </td> <td width="10%"> <div align="center">&euro;44.44</div> </td> </tr> <tr> <td width="90%"> <div align="left">Counterpart of Mortgage</div> </td> <td width="10%"> <div align="center">&euro;12.70</div> </td> </tr> <tr> <td width="90%"> <div align="left">Memorial of Conveyance/ Assignment</div> </td> <td width="10%"> <div align="center">&euro;44.44</div> </td> </tr> <tr> <td width="90%"> <div align="left">Counterpart of Memorial of Conveyance/Assignment</div> </td> <td width="10%"> <div align="center">&euro;12.70</div> </td> </tr> </table> <p align="justify"><b> Note:</b> There will also be a fee for searches your Solicitor may carry out in relation to the home you are buying. Searches are undertaken to ensure that there are not outstanding charges on the property.</p> <table width="100%" border="0" cellpadding="0" cellspacing="0" class="tableContentHeadingsProp"> <tr> <td><b>&nbsp;&nbsp;Structural Survey</b></td> </tr> </table> <div align="justify"><br /> The structural survey should not be mixed up with the valuation report. The structural survey is a detailed and comprehensive report, which is independently sought by a purchaser in relation to a proposed property. It is designed to evaluate the condition of the property for the purchaser. The price of this can vary depending on the extent of the property, the location of the property, the firm selected to do the work and the other variables that normally arise in such transactions. A fee of &euro;300 might normally be expected for the average residential property.<br /> <br /> </div> <table width="100%" border="0" cellpadding="0" cellspacing="0" class="tableContentHeadingsProp"> <tr> <td height="2">&nbsp;&nbsp;<b>Valuation Fee</b></td> </tr> </table> <div align="justify"><br /> The mortgage lender will normally require a selected Valuer to carry out a report on the property for the lending institution. This valuation is designed to independently confirm to the lending institution the current market value of the property and the report normally costs in the region of &euro;130 - &euro;200.<br /> <br /> </div> <table width="100%" border="0" cellpadding="0" cellspacing="0" class="tableContentHeadingsProp"> <tr> <td height="2">&nbsp;&nbsp;<b> Stamp Duty Costs</b></td> </tr> </table> <p align="justify">Stamp Duty is primarily a tax on documents. For the most part, these are documents used in the transfer of property or which create rights for the parties concerned. For example, when you purchase a second-hand house, stamp duty is chargeable on the conveyance document which transfers ownership to you. </p> <p align="justify"><b>For more detailed information see</b><b> <a href="StampDuty.htm">Stamp Duty Costs.</a></b> </p> <table width="100%" border="0" cellpadding="0" cellspacing="0" class="tableContentHeadingsProp"> <tr> <td>&nbsp;&nbsp;<b> Home Insurance</b></td> </tr> </table> <p>At Philip O'Reilly Hooper Dolan Insurances Ltd we can arrange your <a href="../insurance/home-ins.htm">home insurance</a> for you without difficulty. The property is normally insured for fire, storm, flood, burst pipes and a range of other perils and would normally include household contents cover. </p> <p align="justify">The typical cost for a house valued at &euro;125,000 on buildings and &euro;50,000 on contents is &euro;267.75. </p> <p align="justify">If you like a specific quotation please email <a href="mailto:insurance@philiporeilly.com">insurance@philiporeilly.com</a> or fill in our online <a href="../insurance/home-ins.htm">Quotation</a> and we will be pleased to give you a quotation. Or call us on 065 68 49666</p> <p align="justify">We deal with leading insurance companies and can obtain the best rate in the market for you.<br /> </p> <table width="100%" border="0" cellpadding="0" cellspacing="0" class="tableContentHeadingsProp"> <tr> <td height="2"> <div align="justify"><b>&nbsp;&nbsp;Mortgage Protection Insurance</b></div> </td> </tr> </table> <p>Mortgage Protection Insurance is designed to pay off the balance of a mortgage in the event of the death of either mortgage account holder. The costs relates to the age of the borrower(s), the amount borrowed, health of the borrower(s), the occupation and smoking habits are also factors. </p> <p> If you would like a specific quotation in relation to mortgage insurance please email <a href="mailto:clare@philiporeilly.com">Clare</a> or telephone her on 065 68 44448. </p> <p> We deal with leading insurance companies and can obtain the best rate in the market for you.<br /> </p> <table width="100%" border="0" cellpadding="0" cellspacing="0" class="tableContentHeadingsProp"> <tr> <td height="2">&nbsp;&nbsp;<b> Lending Institution Fees and Charges</b></td> </tr> </table> <p align="justify"> Most lending institutions do not charge any fees or charges now other than the valuation fee in relation to a mortgage. Consequently one should be vary careful about such matters.</p> <p align="justify"> Building Society have no application or administration charges in relation to house purchase transactions.<br /> </p> <table width="100%" height="8" border="0" cellpadding="0" cellspacing="0" class="tableContentHeadingsProp"> <tr> <td height="2">&nbsp;&nbsp;<b> Indemnity Bond</b></td> </tr> </table> <p align="justify"> Building Society now pays the Indemnity Bond costs on behalf of borrowers. <br /> <br /> Some lending institutions charge an indemnity bond fee if the purchaser borrowers more than 75% of the purchase price. now pays this fee and consequently it does not arise when you take out your loan at in Abbey Street, Ennis. Please <a href="mailto:info@philiporeilly.com">Email Us</a> for a detailed free quotation.</p> <table width="100%" border="0" cellpadding="0" cellspacing="0" class="tableContentHeadingsProp"> <tr> <td height="2">&nbsp;&nbsp;<b> Tax Implications</b></td> </tr> </table> <p align="justify">For detailed information on tax implications, such as Mortgage Interest Relief, when purchasing a property, see <a href="tax.htm">Tax Implications</a>.</p> <p align="justify">&nbsp;</p> <!-- #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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