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</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><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" -->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">Step By Step Guide</span> <p align="justify">In this guide we endeavour to briefly describe to you the various steps to be taken in purchasing a property and outline to you the costs, tax implications and the benefits to First Time Buyers involved in the transaction.<br /> </p> <div align="left"> <ul> <a href="#Step1">Step 1 : Where to Start</a><br /> <a href="purchase-steps2.htm">Step 2 : Pay Booking Deposit</a><br /> <a href="purchase-steps3.htm">Step 3 : Choose a Solicitor</a><br /> <a href="purchase-steps4.htm">Step 4 : Get Loan Approval</a><br /> <a href="purchase-steps5.htm">Step 5 : Close &amp; Move In</a> </ul> </div> <table width="100%" border="0" cellpadding="0" cellspacing="0" class="tableContentHeadingsProp"> <tr bgcolor="#E3E3E3"> <td height="25">&nbsp;&nbsp; <b>Step<a name="Step1" id="Step1"></a> 1: Where to Start </b></td> </tr> </table> <p align="justify"> A number of decisions will have to made at the very beginning, for example:</p> <p align="justify"> </p> <b class="propertySubtitles"> What is your price range? </b> <p>This is probably the most important decision to be considered. You need to work out your costs and how much you can borrow. To assist you, we would be delighted to go through your figures at our office before you even enquire about any property. If it is more convenient, you can use our <a href="projected.htm">Projected Property Costs</a> form and you can find out how much you can borrow by submitting our <a href="mortgage-quote.htm">Mortgage Quotation Form</a>, and let us help you on-line. We can give you an Loan Approval Certificate based on your income and other details supplied by you. This really puts you in a strong position, in that, you can have confirmation from how much they will lend you on property before you choose it. This support will enable you to shop around with confidence immediately. </p> <p class="propertySubtitles"><b>Location of property</b> </p> <p>Do you intend living in the house indefinitely? Do you intend to resell in the near future? Location is the most important feature a property can have when it comes to resale. <br /> <br /> <b class="propertySubtitles">New or old house? </b></p> <p> The benefit of buying a new house is that you will have the most up to date features included in the new house. However, usually there are additional costs in relation to development of gardens, painting, carpets, curtains, etc. A second hand house usually provides these. There are <a href="StampDuty.htm">stamp duty</a> benefits to a purchaser in a new house and these are outlined in the linked sections of our wite. Legal and other costs vary little between new and second hand houses. These are outlined in our <a href="homepurchase-costs.htm">cost</a> section. Consider the stamp duty issues as they can vary substantially. </p> <p><b class="propertySubtitles">Choosing your dream home - some advice </b><br /> </p> <div align="justify"> <ol> <li>Make a list of everything that is important to you before you go looking. </li> <li><span class="text">Save time by only viewing houses that fit your criteria. </span></li> <li><span class="text">Get maps at the local Council to see that the area is well serviced by transport, water and sewerage services and check what other developments are proposed for the area.</span></li> <li><span class="text"> If schools are important to you check our what is available before you travel. See our <a href="links.htm">School</a> links.</span></li> <li><span class="text"> Arrange to view a number of properties together to save time. This also allows you to compare different properties. Get a brochure on each property from the Auctioneer, this will help to remind you later of the features of each property you viewed.</span></li> <li><span class="text">Confirm your viewing appointment and where you are going to meet to save time and mix ups. </span></li> <li><span class="text">View the house you propose to buy more than once, walk around the house before and after leaving it, as this helps to give you the full impression.</span></li> <li><span class="text">Houses are best viewed in daylight.</span></li> <li><span class="text"> When you have chosen the house you want, check services - alarms, heating, water, sewerage, showers, toilets. Estimate repair costs if appropriate so that these maybe factored into your loan application figure.</span></li> <li><span class="text"> Do not worry too much about decoration or carpets - these can be changed. </span></li> <li><span class="text">Check out what is included in the sale. </span></li> <li><span class="text">Don't be afraid to ask questions. </span></li> </ol> </div> <table width="100%" cellspacing="6" cellpadding="0" border="0"> <tr> <td> <a href="purchase-steps2.htm"><img src="../images/purchase_steps_2.jpg" width="176" height="20" border="0" alt="Forward to Step 2"></a> </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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