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@raphael_bagot Was hoping someone here might themselves or know someone who owed Mars capital X amount but Mars agreed to write of a certain amount in order to get the debt cleared straight away in one go...or indeed be able to tell me that Mars laughed in their face when they asked for some of...

@sydwell Yeah I realised that myself after posting today too. As long as there is no penalty fee for over and early repayment and it reduces the ultimate interest payable, it actually makes sense to go back to square one and take the full €85,000 7 year loan from them as long as us supplementing...

@sydwell Can you have a look at my EDIT in Bold in my Original Post and tell me what you think. Is that basically what you were suggesting . I think I was confused by all the CGT talk where I focussed more on that than, Actually still confused a bit by the CGT stuff. Unless the rules have...

@sydwell Hadn't considered CGT at all. Even when its a loan from child to parent and not a gift?? So while my E33,000 loan is just about at the Group B threshold, my brothers is over it and has tax implications? I know my An Post loan and the proposed Mars Capital Loan is the same 6.9% APR, but...

@brightsky My mum had 5 Sisters and 2 brothers and she always said she was so happy to only have sons knowing what it was like to live in a house full of girls!! LOL. She'll be my SIL early next year. One of the reasons myself and my other brother didn't ask them to be involved in this with the...

@brightsky Whos cutting Onions around here!! LOL. Thank you again for these amazingly kind words mate! Sorry about your Mum too. Our Ma's really leave a huge void in our lives when they go no matter what age we are when it happens. We've always stuck together and been there for each other. Was...

@brightsky Thanks Mate. F*cking Covid induced Heart Attack and poor dad blames himself somewhat because he brought it into the house but it could have been any of us and was inevitable really. Vaxxed and Boosted and everything but her health issues didn't help.

@ivan57 3 of us and a partner are back living in the house after Mum died 18 months ago. The Mortgage life insurance policy only paid out what would have been left owed at the date of her death had the mortgage run its normal course, not what was actually still owed with all the arrears. That...

Almost 15 years ago my parents took out a 15 year €220,000 mortgage to renovate my fathers old family home after my grandfather passed away. They used the proceeds of the sale of our family home to buy out the shares in the house of my fathers siblings inheritance. During the recession they ran...