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Mortgage approval received, what next?

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By Ted Healy of DNG TED HEALY

Once your mortgage application is approved, you should look for mortgage protection cover which is insurance that will pay off your mortgage if you die within the term of the policy.

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You should not wait until you have made an offer on a house or apartment before shopping around and applying for mortgage protection insurance. It can take some time to get approval, particularly if you have had poor health in the past. This could delay the sale as, by law, your lender must make sure that you have this cover before giving you a mortgage.

Most mortgage lenders offer to arrange mortgage protection insurance for you when you apply for a mortgage. You do not have to take your lender’s insurance, you are free to shop around for better value or a more suitable policy with other providers and brokers.

Another important element is appointing a solicitor to act on your behalf in the conveyancing – this is the legal work to transfer ownership of the property from the seller to you. It is a good idea to choose a solicitor before you start looking at properties, because as soon as your offer is accepted, the estate agent will ask for your solicitor’s details to pass onto the seller’s solicitor. Your solicitor will also check that the sale of the property is legal – that the person who is selling the property owns it and has the right to sell it, and that nobody else could claim to own it.

Your solicitor will also liaise with your mortgage provider at this point and help you through the whole process of mortgage drawdown, when the time is right.
You are now ready to look at properties and place bids with mortgage approval in place.

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Herbert descendants visit Muckross House

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Herbert descendants visit Muckross House


Scott and Sandra Patterson recently visited Muckross House and Gardens to explore their family heritage, meeting with Muckross House Research Library archivist Patricia O’Hare.


The couple are the great-great-grandchildren of Charles Herbert (1842-1891), the second son of Colonel Henry Arthur Herbert and Mary Balfour. Following their marriage in 1837, Colonel Herbert and Mary Balfour moved to Killarney and began construction on the current Muckross House, which was completed in 1843.
The family, which included children Eleanor, Henry Arthur, Charles, and Blanche, spent much of the Great Famine years in England. Photo: Valerie O’Sullivan

Charles Herbert

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Rotary Club welcomes District Governor

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Rotary Club welcomes District Governor


Killarney Rotary Club was honoured to welcome Rotary District Governor George Roche and his wife, Maeve, during their official visit to the club, marking an important occasion in the Rotary calendar and celebrating the club’s commitment to serving the local community.


The visit provided members with an opportunity to showcase the work being undertaken in Killarney and to discuss plans for the year ahead as Rotary clubs across the district embrace this year’s theme, Creating Lasting Impact.
Newly elected President of Killarney Rotary Club, Yolande Nieman, welcomed the District Governor and Maeve on behalf of the club.
“It was a pleasure to welcome George and Maeve to Killarney and to share the enthusiasm and dedication of our members,” said Ms Nieman. “Rotary has a proud tradition of bringing people together to improve lives, both locally and internationally. As President, I am excited to lead our club in supporting this year’s message of Creating Lasting Impact. Together, we want to continue delivering projects that strengthen our community, support local organisations, and create positive change that will be felt for years to come.”
During the visit, District Governor George Roche commended the members of Killarney Rotary Club for their commitment to service and encouraged them to continue identifying opportunities where Rotary can make a meaningful difference in the lives of others.
Killarney Rotary Club has a long history of supporting local charities, community groups, youth development initiatives, and international humanitarian projects. Under President Yolande Nieman’s leadership, the club will continue to build on that legacy while developing new partnerships and initiatives that respond to the evolving needs of the Killarney community.

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