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Rent or buy

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By *ontbesillywrapyourwilly OP   Man
over a year ago

Tipperary

With accommodation? House apartment, bungalow or 2 story. What's your preference? I find some smaller town areas have very little places to rent but then you have some people charging astronomical rent prices.

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By (user no longer on site)
over a year ago

The rental market is gone to the dogs in recent years,there is no legislation to stop people charging what they want for what can only be described as substandard living conditions.

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By (user no longer on site)
over a year ago

Renting is dead money. If you can get on the ladder and need to struggle on till you get ahead do it. Renting will lead you down a road that is hard to recover from.

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By (user no longer on site)
over a year ago

Mortgage is cheaper but repairs not so cheap

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By (user no longer on site)
over a year ago


"Mortgage is cheaper but repairs not so cheap"

You pay for your own house

Its your investment. Of course maintenance isn't cheap but you can do repairs slowly as your budget will allow you.

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By *P_80Man
over a year ago

Waterford

While I'd love to own my own place, I'm happy enough renting for the time being.

I have a great apartment in a great location for a very reasonable rate right now.

Some people will say that rent is dead money and they may have a point, but I'll take renting over committing myself to a 30-40 year long debt that makes me totally dependent on having constant employment, and may even mean being forced to work a job I hate just so I can pay the debt.

I love the fact that there is nothing in my life that I can't walk away from at any time if I ever seek something different out of life.

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By *ontbesillywrapyourwilly OP   Man
over a year ago

Tipperary


"While I'd love to own my own place, I'm happy enough renting for the time being.

I have a great apartment in a great location for a very reasonable rate right now.

Some people will say that rent is dead money and they may have a point, but I'll take renting over committing myself to a 30-40 year long debt that makes me totally dependent on having constant employment, and may even mean being forced to work a job I hate just so I can pay the debt.

I love the fact that there is nothing in my life that I can't walk away from at any time if I ever seek something different out of life."
that's what bothers me with a mortgage. Repayment after repayment for possibly years to come. Always depending on that money.

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By *P_80Man
over a year ago

Waterford


"While I'd love to own my own place, I'm happy enough renting for the time being.

I have a great apartment in a great location for a very reasonable rate right now.

Some people will say that rent is dead money and they may have a point, but I'll take renting over committing myself to a 30-40 year long debt that makes me totally dependent on having constant employment, and may even mean being forced to work a job I hate just so I can pay the debt.

I love the fact that there is nothing in my life that I can't walk away from at any time if I ever seek something different out of life.that's what bothers me with a mortgage. Repayment after repayment for possibly years to come. Always depending on that money."

And after all that, you could have 90% of it paid back and could still lose everything.

My biggest problem with mortgages is that people get offered a shit deal and they're over the moon to have got it.

People go in jumping over hoops practically begging for a mortgage when it's the banks that should be begging people to take them.

When will people realize that the bank needs to loan out money to survive.

Start demanding better deals.

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By (user no longer on site)
over a year ago

Rents are only so high because the house market is saturated as prices have risen and a lot of people who bought during the boom to rent now want out as they cash in before the next crash recession is a tool to scare people save and scrape and way for the rich to buy cheap so they can double down and get richer there is no ladder just economic bubble after economic bubble..

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By *sLittleRedRidingHoodWoman
over a year ago

Magical Forrest

Letterkenny is very bad for rental

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By *ontbesillywrapyourwilly OP   Man
over a year ago

Tipperary


"Letterkenny is very bad for rental "
so are many smaller areas I'd say

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By *rmrspumpCouple
over a year ago

narnia

Renting is shit.. But if you're in a position to buy maybe sit tight for a few month and see how this brexit shite works out..

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By (user no longer on site)
over a year ago

If it flys floats or f.... rent

Oops thats a different topic

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By (user no longer on site)
over a year ago


"While I'd love to own my own place, I'm happy enough renting for the time being.

I have a great apartment in a great location for a very reasonable rate right now.

Some people will say that rent is dead money and they may have a point, but I'll take renting over committing myself to a 30-40 year long debt that makes me totally dependent on having constant employment, and may even mean being forced to work a job I hate just so I can pay the debt.

I love the fact that there is nothing in my life that I can't walk away from at any time if I ever seek something different out of life."

I think you need to work to earn money to pay rent!

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By *ontbesillywrapyourwilly OP   Man
over a year ago

Tipperary

I think alot look upon a mortgage as something u would have to pay off for years and years.

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By (user no longer on site)
over a year ago

Renting is like throwing your money away. Before we bought we were paying twice what we are now in rent it's madness. I know its a long term commitment to pay a mortgage but you always need somewhere to live so why not put the money into your own future rather than someone else's!!

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By *it_tribesmanMan
over a year ago

Galway


"I think alot look upon a mortgage as something u would have to pay off for years and years."

You can sell the bloddy house and get your money out anytime,

Your morgage doesn't rise with inflation, your rent does.

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By *oghunter33Woman
over a year ago

on the hill NordWest of

I bought my house without a mortgage and doing it up now bit by bit whenever my budget allows it. New roof is done, new windows on the way, okay some corners will still look pretty shabby but hopefully by the end of next year it's more or less done.

No rent, no mortgage, no headache.

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By (user no longer on site)
over a year ago


"I bought my house without a mortgage and doing it up now bit by bit whenever my budget allows it. New roof is done, new windows on the way, okay some corners will still look pretty shabby but hopefully by the end of next year it's more or less done.

No rent, no mortgage, no headache. "

Nice idea, wish you all the best with the rest of the repairs, hope to do something similar myself

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By *oghunter33Woman
over a year ago

on the hill NordWest of


"I bought my house without a mortgage and doing it up now bit by bit whenever my budget allows it. New roof is done, new windows on the way, okay some corners will still look pretty shabby but hopefully by the end of next year it's more or less done.

No rent, no mortgage, no headache.

Nice idea, wish you all the best with the rest of the repairs, hope to do something similar myself "

Thank you. I'm trying to do as much as I can myself and finding it quite rewarding especially the plumbing.

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By (user no longer on site)
over a year ago


"Thank you. I'm trying to do as much as I can myself and finding it quite rewarding especially the plumbing. "

Must call on your expertise if I ever get mine started lol fair play, not easy but good when you can do bits yourself and save a few pound too

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By (user no longer on site)
over a year ago


"I think alot look upon a mortgage as something u would have to pay off for years and years."

True. Remember also its your investment. You can always sell the house and buy a new one or sell then pay astronomic amounts for a rent.

Everybody has a choice.

Single men will think like you do, for couples especially with young kids its an investment. Actually mortgage rate is twice lower than payment for rent.

It is not easy decision but if you have some money better to invest them somewhere, eg buying a house instead of keeping them on the saving account. Or you can do both. All depends what are you doing, how much money do you spend for expenses and how much you left for saving acc.

Good luck anyway!

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By *aucyladMan
over a year ago

Dublin

People always need somewhere to live....so your options are live with parents if they are still ok with you to do that...that may often only suit single people and not families...you can buy a house with a mortgage but so many are unable to get mortgages now....renting is gone crazy with increased rents and the knock on effect of being unable to save for a deposit for an actual mortgage...the last option is going on a local authority list but again thays dependent on availability and meeting certain income criteria...The system is messy across all those options.Supply and demand ultimately dictates the prices of everything.What I find ridiculous also is that the 2nd time buyer has to find 20% of a deposit so those who bought in the celtic tiger but now want to move into something different possibly due to change in family size circumstances,work location etc...are effectively unable to find that large sum of money eg.a house of 300k would require 60k of a deposit. thats ridiculous. The Government have done little or nothing to help people.The interesr rates being charged by banks are ridiculous vs most of the rest of europe.You can a mortgage at 1.2% fixed in Swiztherland!!

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By *ontbesillywrapyourwilly OP   Man
over a year ago

Tipperary


"I know its a long term commitment to pay a mortgage"
I think alot look upon it as that. "Oh I cant do alot of stuff In the here and now as I have a mortgage to pay off".

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By *ontbesillywrapyourwilly OP   Man
over a year ago

Tipperary

Alot of what's been said makes sense. Most of the single men I know are renting.

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By *evil_u_knowMan
over a year ago

city

The rent in Dublin is too much, Single renters are taking up all the family homes sharing rooms.

The council needs to allow someone to build up tall in the city, single apartments with a seperate bedroom. And none of them be sold but be rent controlled instead.

They need 3 different levels, low, medium and high earners in the building.

No subletting.

The benefits tot he city would be enormous. More money in peoples pockets, less traffic, the building owner still making a mint, but people living happier lives, free up a lot of family homes..

Ethical renting.

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By (user no longer on site)
over a year ago


"I know its a long term commitment to pay a mortgageI think alot look upon it as that. "Oh I cant do alot of stuff In the here and now as I have a mortgage to pay off". "

Whether you're paying off a mortgage or paying rent, it's still an ongoing financial commitment. At least with a mortgage, there's an end date for the payments.

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By *ontbesillywrapyourwilly OP   Man
over a year ago

Tipperary


"I know its a long term commitment to pay a mortgageI think alot look upon it as that. "Oh I cant do alot of stuff In the here and now as I have a mortgage to pay off".

Whether you're paying off a mortgage or paying rent, it's still an ongoing financial commitment. At least with a mortgage, there's an end date for the payments."
the point I'm making is alot of single people dont see it like that. Also probably dont have the money to fork out on a house.

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By (user no longer on site)
over a year ago


"I know its a long term commitment to pay a mortgageI think alot look upon it as that. "Oh I cant do alot of stuff In the here and now as I have a mortgage to pay off".

Whether you're paying off a mortgage or paying rent, it's still an ongoing financial commitment. At least with a mortgage, there's an end date for the payments.the point I'm making is alot of single people dont see it like that. Also probably dont have the money to fork out on a house."

Its a catch 22 situation with the money. You'll probably pay double the monthly mortgage payment in rent. Leaving you less money to save for a house.

I think a lot of people, single or not, are not looking towards their future, or can't afford to.

Its about what you want most, rather than what you want now. Whatever that is, should be the goal.

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By *ontbesillywrapyourwilly OP   Man
over a year ago

Tipperary


"I know its a long term commitment to pay a mortgageI think alot look upon it as that. "Oh I cant do alot of stuff In the here and now as I have a mortgage to pay off".

Whether you're paying off a mortgage or paying rent, it's still an ongoing financial commitment. At least with a mortgage, there's an end date for the payments.the point I'm making is alot of single people dont see it like that. Also probably dont have the money to fork out on a house.

Its a catch 22 situation with the money. You'll probably pay double the monthly mortgage payment in rent. Leaving you less money to save for a house.

I think a lot of people, single or not, are not looking towards their future, or can't afford to.

Its about what you want most, rather than what you want now. Whatever that is, should be the goal."
I'm renting at the moment and never once considered buying a house. I guess if I was settled with kids the outlook might be different.

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By (user no longer on site)
over a year ago

I've fucking 2 mortgages.

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By (user no longer on site)
over a year ago

To answer your question though, I'd prefer a detached bungalow. That is not my reality

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By *P_80Man
over a year ago

Waterford


"While I'd love to own my own place, I'm happy enough renting for the time being.

I have a great apartment in a great location for a very reasonable rate right now.

Some people will say that rent is dead money and they may have a point, but I'll take renting over committing myself to a 30-40 year long debt that makes me totally dependent on having constant employment, and may even mean being forced to work a job I hate just so I can pay the debt.

I love the fact that there is nothing in my life that I can't walk away from at any time if I ever seek something different out of life.

I think you need to work to earn money to pay rent!"

Na, this is Ireland. You can live well without working if you know how to play the system.

Right or wrong, it's the reality.

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By *P_80Man
over a year ago

Waterford


"I know its a long term commitment to pay a mortgageI think alot look upon it as that. "Oh I cant do alot of stuff In the here and now as I have a mortgage to pay off". "

This is my outlook.

I'm single and have no kids so fuck worrying about a future that may not come.

All we have is the here and now.

Enjoy today because tomorrow may never come.

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By *opper007Man
over a year ago

Limerick

We have reached the top of the market now re: house prices...hold tough on buying for a while...and yes rent is dead money imo...

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By (user no longer on site)
over a year ago

Wait for the crash ...... its only around the corner. .. next recession is forcast in the 2-3 years ( David McWilliams et al) and with the amount of construction going on in Dublin you will have your pick of a place , of course depending if you still have a job

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By *oghunter33Woman
over a year ago

on the hill NordWest of

Yeah well, we've learned nothing from the crash, nobody was held responsible, no legislation has been brought in to avoid the same thing happening again, FF politics was continued by FG looking after themselves and their cronies. That's why we're steering towards the next cliff with generations not being able to buy their own home, rents spiraling, people still being evicted from their homes.... where and when does it end? Yet no hope that people won't vote for the same gangsters again...

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By (user no longer on site)
over a year ago

History repeats itself...... cause we don't learn / bother to remember

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By *P_80Man
over a year ago

Waterford


"Yeah well, we've learned nothing from the crash, nobody was held responsible, no legislation has been brought in to avoid the same thing happening again, FF politics was continued by FG looking after themselves and their cronies. That's why we're steering towards the next cliff with generations not being able to buy their own home, rents spiraling, people still being evicted from their homes.... where and when does it end? Yet no hope that people won't vote for the same gangsters again... "

Exactly the reason why I'm hoping to be out of this kip of a country in the next couple of years.

If I was ever to but a house it wouldn't be in this shithole.

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By *P_80Man
over a year ago

Waterford


"Yeah well, we've learned nothing from the crash, nobody was held responsible, no legislation has been brought in to avoid the same thing happening again, FF politics was continued by FG looking after themselves and their cronies. That's why we're steering towards the next cliff with generations not being able to buy their own home, rents spiraling, people still being evicted from their homes.... where and when does it end? Yet no hope that people won't vote for the same gangsters again...

Exactly the reason why I'm hoping to be out of this kip of a country in the next couple of years.

If I was ever to but a house it wouldn't be in this shithole."

*buy

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By *easingTimMan
over a year ago

Loughlinstown


"History repeats itself...... cause we don't learn / bother to remember "

-----------------------

History doesn't repeat itself ...but it always rhymes

100% agree

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By (user no longer on site)
over a year ago

Im probably on of the lucky ones built a house 28 years ago glad to see the back of a mortgage have since moved out and bought 2 lovely homes his and hers lol

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By (user no longer on site)
over a year ago

Sorry to hear that Tracey....i hope yours is nicer lol

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By (user no longer on site)
over a year ago


"Sorry to hear that Tracey....i hope yours is nicer lol"
of course lol

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By *ohndunboyneMan
over a year ago

Dunboyne & Dublin


"Yeah well, we've learned nothing from the crash, nobody was held responsible, no legislation has been brought in to avoid the same thing happening again, FF politics was continued by FG looking after themselves and their cronies. That's why we're steering towards the next cliff with generations not being able to buy their own home, rents spiraling, people still being evicted from their homes.... where and when does it end? Yet no hope that people won't vote for the same gangsters again... "

Fully agree and why I'm strongly considering a SF vote next time, just to see what they might do and to give FF/FG a kick in the arse for pursuing the same shite, lining their own pockets crap!

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By (user no longer on site)
over a year ago


"Yeah well, we've learned nothing from the crash, nobody was held responsible, no legislation has been brought in to avoid the same thing happening again, FF politics was continued by FG looking after themselves and their cronies. That's why we're steering towards the next cliff with generations not being able to buy their own home, rents spiraling, people still being evicted from their homes.... where and when does it end? Yet no hope that people won't vote for the same gangsters again...

Fully agree and why I'm strongly considering a SF vote next time, just to see what they might do and to give FF/FG a kick in the arse for pursuing the same shite, lining their own pockets crap!"
Don't do it

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By *ustin-SiderMan
over a year ago

Belfast


"I bought my house without a mortgage and doing it up now bit by bit whenever my budget allows it. New roof is done, new windows on the way, okay some corners will still look pretty shabby but hopefully by the end of next year it's more or less done.

No rent, no mortgage, no headache. "

Rub it in why don't ya?

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By *ulgingKnixMan
over a year ago

kerry

depends what you can afford. buy definitely as rent is dead money but then again with prices in the cities its absurd

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By *oghunter33Woman
over a year ago

on the hill NordWest of


"Yeah well, we've learned nothing from the crash, nobody was held responsible, no legislation has been brought in to avoid the same thing happening again, FF politics was continued by FG looking after themselves and their cronies. That's why we're steering towards the next cliff with generations not being able to buy their own home, rents spiraling, people still being evicted from their homes.... where and when does it end? Yet no hope that people won't vote for the same gangsters again...

Fully agree and why I'm strongly considering a SF vote next time, just to see what they might do and to give FF/FG a kick in the arse for pursuing the same shite, lining their own pockets crap!

Don't do it "

q.e.d.

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By (user no longer on site)
over a year ago


"Letterkenny is very bad for rental "

Move to Sligo

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