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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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Beaufort’s Caoimhe Lynch crowned 2026 Kerry Rose

A 28-year-old teacher and community activist from Beaufort was named the 2026 Kerry Rose following a gala selection night at The Heights Hotel in Killarney last Saturday. Caoimhe Lynch, who […]

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A 28-year-old teacher and community activist from Beaufort was named the 2026 Kerry Rose following a gala selection night at The Heights Hotel in Killarney last Saturday.

Caoimhe Lynch, who currently works as a secondary school Chaplain and English teacher in Dublin, emerged as the judges’ choice from a talented group of contestants representing every corner of the county. The Beaufort native was a popular winner among the large crowd of supporters who gathered in Killarney to see the 2026 representative chosen.

A proud Kerry woman, Caoimhe is well known in Killarney as the director of the Kingdom Gospel Choir, which boasts over 100 members. Even while working in the capital, she has remained deeply rooted in her home county, travelling back regularly to lead the choir and spend time with her family.

Beyond her professional and musical life, Caoimhe is the founder of The Light House Project, an initiative she established in 2024 to support communities facing poverty and social challenges. During the selection process, she spoke passionately about her commitment to social justice and her love for traditional Irish music, specifically the “Lynch family music sessions” that are a staple of her home life.

“Kerry is home, and I love nothing more than coming back to my family and friends,” she said during the event.

Caoimhe will now represent the Kingdom at the Rose of Tralee International Festival this August.

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Centra Muckross Road supports Kerry Stars with bottle return donation

Centra Muckross Road supports Kerry Stars with bottle return donation

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Sheahan’s Centra on the Muckross Road has made a significant donation to the Kerry Stars Special Olympics Sports Club using proceeds from unclaimed deposits at the shop’s bottle return machine.


Aisling Sheahan and the team at the Muckross Road store presented the cheque to members of the club this week. The funds were generated through the return scheme located at the front of the shop, where customers have the option to donate their return vouchers to local causes.
The donation comes at a busy time for the Kerry Stars, who have returned to training this week following the Easter break. The club provides a wide range of sporting outlets for children and adults with intellectual disabilities, including athletics, therapeutic horse riding, basketball, and soccer.
Preparation is also underway for the Special Olympics Ireland Summer Games, which take place in Dublin this June. Four athletes have been selected to represent the Kerry Stars at the national event.
The club is currently open to new members across most of its disciplines, though a long waiting list remains for Friday evening swimming sessions as the group continues its search for a qualified swim coach in Killarney. Training will continue until the summer break in May before resuming again in September.
Those interested in joining the club or inquiring about the coaching vacancy can contact Kerry Stars at kerrystars63@gmail.com or by calling 087 2365664.

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