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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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Chamber brings business leaders together with MEP

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Chamber brings business leaders together with MEP


Killarney Chamber of Tourism and Commerce welcomed MEP Cynthia Ní Mhurchú to Killarney on Tuesday, this week, for a roundtable discussion with Chamber Executive Committee members and local business leaders to discuss issues of strategic importance to the region’s economy and tourism sector.


Held at the Government Offices on New Road, the meeting provided an opportunity for Chamber representatives to engage directly with the Ireland South MEP on a range of matters affecting businesses across Killarney and the wider region.
As a member of the European Parliament’s Internal Market and Consumer Protection (IMCO) Committee and the Transport and Tourism Committee, Cynthia Ní Mhurchú has responsibility for policy areas that are particularly relevant to Killarney’s tourism-led economy. The discussion focused on issues impacting local enterprise, tourism, regional connectivity and future economic development, while highlighting the importance of ensuring that the views of businesses in the South-West are represented at European level.
The roundtable reflected Killarney Chamber’s ongoing commitment to engaging with elected representatives at local, national and European level to advocate for the interests of its members and the wider business community.
Killarney Chamber of Tourism and Commerce thanked MEP Cynthia Ní

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Second summer parade lights up the town

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Second summer parade lights up the town


Locals and visitors turned out in force on Monday night for the second street parade of the new Summer in Killarney Festival.


The parade featured local dance groups, marching bands, floats, and street performers as it made its way through the town centre. It forms part of a month-long festival schedule running alongside seasonal events including the Killarney Races, the Killarney Regatta, and the Ring of Kerry Charity Cycle.
Organised by the Killarney Chamber of Tourism and Commerce, the festival is supported by Fáilte Ireland, Kerry County Council, the NPWS, and Heineken. Events continue throughout the month, concluding with an outdoor cinema night and SPIN South West DJ set at Killarney House.
Photos by Valerie O’Sullivan

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