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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 Film Night returns with screening of Cinema Paradiso

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Beaufort Film Night will return on Friday, June 12, with a screening of the Italian classic Cinema Paradiso at Kilgobnet National School.

Directed by Giuseppe Tornatore, the film follows Salvatore, a successful film director who returns home to Sicily for the funeral of his childhood friend and mentor, Alfredo, the local cinema projectionist.

The movie won the Oscar for Best Foreign Language Film, five BAFTA Awards, and the Grand Prize of the Jury at the Cannes Film Festival. It features a soundtrack by composer Ennio Morricone.

The screening will begin at 8:30pm at Kilgobnet National School (Eircode V93 DW26). Admission is €8, with cash-only entry as there are no card payment facilities. Proceeds will cover the motion picture licence fee. The film is rated PG and will screen in Italian with English subtitles.

Beaufort Film Night is a non-profit community organisation run by local film enthusiasts. The group aims to screen cultural English and international language films that do not typically receive a general release in Kerry.

The initiative is supported by the Kerry County Council Arts Office and works in conjunction with Access Cinema.

Organisers extended their thanks to Kilgobnet National School for providing the venue. More details can be found on the Beaufort Film Night Facebook page.

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Wallace Arnold coach drivers return to Killarney

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Wallace Arnold coach drivers return to Killarney


A group of 26 former coach drivers, wives, and friends from the Wallace Arnold tour company returned to Killarney over a recent weekend.


The group travelled from Holyhead to Dublin in a restored Wallace Arnold coach, staying at the Killarney Towers Hotel for three nights.
During the visit, the group drove the vintage coach to local landmarks, including Kate Kearney’s Cottage and Muckross House, before returning to town ahead of the Kerry versus Donegal match. The itinerary also included a trip around the Ring of Kerry.
The trip allowed the former drivers to reconnect and reminisce about their years touring Ireland. Organiser Bob Adams said that the vintage coach drew attention from local residents along the route.
The group noted the absence of several former colleagues who could not travel due to health reasons, including veteran driver Hilton Caldwell who is well known in Killarney.

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