Category Archives: Mortgages

What about small time landlords?

With less than 1 per cent of tenancies resulting in formal complaints, why are landlords seen as the ‘bad guys’? When it comes to landlords, the most common assumption is that if he/she is a small-time landlord, he/she will not do a good job of managing a property. The Residential Tenancies Board (RTB) doesn’t provide […]

A flat line that bodes well for property

(this article is taken from Karl Deeter’s original article in the Sunday Business Post 4th September 2016) Property prices are on an upward spiral, and no one, including the government, can stop them An explanation is not an endorsement, so the cries of ‘unfair’ when I try to explain that there is a very high […]

The high rents that Jack built

This article originally appeared in the Sunday Business Post on the 24th of January. Jacking up rents quickly is a process that can’t occur now since new legislation was pushed through last December. But the question is: who jacks up rents and why? Empirically, the market is full of amateur landlords, but are they the […]

Minister of finance intervention on interest rates

This article originally appeared in the Sunday Business Post on the 7th of July 2015 It seems to be a fait accompli that the banks will drop mortgage rates because the Minister of Finance told them to do so. Thus far talk of any pitfalls are being avoided in the belief that subsidising a certain […]

Tracker options are window dressing in a broken market

This originally appeared in the Sunday Business Post on the 6th of July 2014 Most of the “move your tracker” options are window dressing when you look at the potential impact on the credit market. Banks are allowing a person to ‘move their tracker’, which shows that you can shift it around, but they wouldn’t […]

Eastern Promise

This article first appeared in the Sun on Sunday on the 28th of July 2013 As it is the month of Ramadan I thought it would be worth talking about Islam, and to make it relevant the way that Islamic Finance or ‘Sharia compliant finance’ works. It may seem strange at first (and this may […]

The Insider on TV3’s ‘Morning Show’, on Debt Settlement Arrangements

This week we looked at using debt settlement arrangements to solve over indebtedness with mortgages instead of personal insolvency and how best to do it.

The mortgage crisis

We were asked to contribute as part of an independent panel at the Fianna Fail ard fheis, we were one of three independent experts offering opinion on the topic.

The Insider – handing back the keys

This week ‘The Insider’ looked at the pro’s and cons of ‘handing back the keys’.

TV3 Morning Show -The working poor…

On this segment we discussed the ‘working poor’ and how it occurs due to taxation, wage cuts, debt and rising costs.