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Mortgage approval received, what next?

Published

4 years ago

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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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Funding boost for Beaufort Wastewater Scheme

The long-awaited Beaufort Wastewater Scheme has taken a significant step forward following the Government’s decision to increaseproject funding to €7 million. The uplift forms part of an additional €14.3 million […]

Published

11 hours ago

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10 December 2025

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The long-awaited Beaufort Wastewater Scheme has taken a significant step forward following the Government’s decision to increaseproject funding to €7 million.

The uplift forms part of an additional €14.3 million announced under Measure A8 of the Multi-annual Rural Water Programme, supporting seven rural wastewater projects nationwide.
Fianna Fáil TD Michael Cahill welcomed the increase, saying the funding is “most welcome and long overdue,” but added that the project now needs to move ahead without further delay.
Minister Michael Healy-Rae also acknowledged the progress, stating, “This is a hugely important step forward for Beaufort,” and said he will continue pushing for delivery.
Deputy Danny Healy-Rae said the upgrade is essential for the village, noting, “Beaufort has waited long enough.”
The enhanced funding allows the scheme to proceed to the next stage, with all parties calling for construction to begin as soon as possible.

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Three families taking centre stage with Killarney Musical Society

Killarney Musical Society’s upcoming production of ‘All Shook Up’ will feature multiple generations of three different families performing side by side. The show will run from February 10 to 12 […]

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1 day ago

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9 December 2025

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Killarney Musical Society’s upcoming production of ‘All Shook Up’ will feature multiple generations of three different families performing side by side.

The show will run from February 10 to 12 in the Gleneagle Arena. Tickets for the highly anticipated show are on sale now.
Music is well known to bring people of all ages together, and this is clearly evident within the Killarney Musical Society, where several families are sharing the stage this year.
The Spillane/Murray family boasts three generations in the production. Phil Spillane has been an active member since she joined KMS in September 1989.
This year, she performs alongside her daughter Amanda and her granddaughter Caoimhe, who is playing the character Lorraine. All three agree they are having great fun practising dance steps and harmonies together and will treasure this time forever.
Mother and daughter Annie and Alannah McIlroy are taking the stage together for the first time. Annie appeared in the 2023 production of Michael Collins, while Alannah joined the cast last year for Evita. They state that the best part of performing together is the quality time they share, not just during rehearsals but on the journeys to and from them, as both share a deep love for musicals.
Finally, the mother and daughter pair of Linda and Eilise O’Donoghue continue a family tradition. While Linda’s father was involved with KMS back in 1986, Linda herself joined in 2015 after being persuaded by her daughter Eilise, who has been a member since 2012. Before each performance, the two rely on each other: Eilise checks Linda’s hair and makeup, while Linda makes sure Eilise’s costume is perfect. They also enjoy practising their alto lines together, making the experience especially meaningful.
The society looks forward to welcoming audiences to the Gleneagle Arena for the three-night run of ‘All Shook Up’ next February.

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