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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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Concerns grow over rough sleeping beside Cathedral

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Concerns grow over rough sleeping beside Cathedral

A makeshift encampment beside St Mary’s Cathedral has renewed debate over rough sleeping in Killarney, raising questions about support for vulnerable people and the management of public spaces.

A photograph shared on a local Facebook page this week shows a tent, bedding and belongings beneath a tree near the cathedral, Bishop’s Palace and a car park used by worshippers and visitors. The location is also close to secondary schools. Comments beneath the photograph reflect concern about the encampment’s appearance and whether the response has been appropriate. The circumstances of the person staying there, including whether they have been offered accommodation or support, have not been established. Killarney councillors have raised rough sleeping repeatedly. In February 2021, the late Cllr Donal Grady told the Killarney Advertiser that some people sleeping rough had declined offers of accommodation in Killarney and Tralee. At the time, a Kerry County Council official told a Joint Policing Committee meeting: “If a person refuses accommodation then there’s nothing we can do about it. ”Those comments concerned earlier cases. They provide no evidence about the person currently pictured beside the cathedral. In January 2025, Cllr John O’Donoghue called for continued engagement with people sleeping rough, even when they were reluctant to accept help. Kerry County Council said homelessness involves complex circumstances that require cooperation between agencies.The cathedral adds a powerful historical dimension. Construction stopped during the Great Famine, when the unfinished building served as a hospital and shelter for the sick and dying. Children who died during the Famine were buried in its grounds.

A DIFFICULT SITUATION

A makeshift shelter beside this landmark raises a difficult question for a town known internationally for tourism and hospitality. Killarney also remembers the death in 2018 of a man believed to have been sleeping rough. The priority must be the individual’s welfare and dignity, alongside appropriate care for a busy public area. Has outreach taken place? Has suitable accommodation been offered? Who is responsible for managing the site, and what steps are being taken towards a lasting solution?

Have your say: info@killarneyadvertiser.ie

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Kilcummin parish celebrates milestone wedding anniversaries

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Couples across the parish of Kilcummin gathered at Our Lady of Lourdes Church for a special celebration Mass honouring milestone wedding anniversaries.

The special service, celebrated by Fr Pat O’Donnell, brought together local couples celebrating 25, 30, 35, 40, 45, 50, 55, and 60 years of marriage. Each couple received a commemorative certificate in recognition of their decades of commitment and companionship.

Following the ceremony, the parish committee hosted a reception in the parish hall, where attendees enjoyed tea, home baking, and an opportunity to catch up with neighbours and family members.

Organisers extended their gratitude to Fr O’Donnell, the church committee, photographer Anne Holland, and all who helped arrange the celebratory event.

ANNIVERSARY MASS: Pictured at the Kilcummin wedding anniversary mass are (front row, left to right) Michael and Mary Dorrigan, Michael and Mary Moynihan, Marion and Timmy O’Keeffe, and Clare and Sean Moynihan; (second row) Robert and Ann Marie Keane, Paudie and Kate Cahill, Hann and Denny Donnelly, Sheila and Charlie O’Neill, and Maureen and Francis O’Doherty; (third row) Maura and Cornelius Brosnan, Joan and Jeremiah Desmond, Breda and Timmy O’Leary, Noreen and Patie Nagle, and Barry and Breda Duggan; with (back row) Willie and Breda Fleming, Mary and Noel Cronin, and Fr Pat O’Donnell. Photo: Anne Holland.

PEARL ANNIVERSARY: Clare and Sean Moynihan celebrating their 30th wedding anniversary at Our Lady of Lourdes Church in Kilcummin. Photo: Anne Holland.

GOLDEN JUBILEE: Marion and Timmy O’Keeffe marking 50 years of marriage during the parish anniversary celebrations in Kilcummin. Photo: Anne Holland.

RUBY CELEBRATION: Timmy and Breda O’Leary celebrating 40 years of marriage in Kilcummin. Photo: Anne Holland.

SAPPHIRE MILESTONE: Joan and Jeremiah Desmond celebrating 45 years of marriage at the anniversary Mass in Kilcummin. Photo: Anne Holland.

CORAL ANNIVERSARY: Robert and Anne Marie Keane marking 35 years of marriage at Our Lady of Lourdes Church, Kilcummin. Photo: Anne Holland.

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