ÿþ<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"> <!-- saved from url=(0014)about:internet --> <html xmlns="http://www.w3.org/1999/xhtml"><!-- #BeginTemplate "/Templates/Property-purchase.dwt" --><!-- DW6 --> <head> <!-- #BeginEditable "doctitle" --> <title>First Time Buyers Benefits, EBS First Step Mortgage, Home Loans, Mortgages, Philip O'Reilly, Ennis, Co. Clare, Ireland</title> <!-- #EndEditable --> <meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1"> <meta name="keywords" content="Property, Ireland, Eire, Ennis, Ennis, Property in Ireland, Irish, West of Ireland, West, East, Clare, Shannon, Shannonside, Limerick, Galway, Ennis, Lahinch, Ennistymon, Milltown Malbay, Spanish Point, Kilrush, Kilkee, Real Estate, Realtor, Commercial, Residential, Industrial, Philip, O Reilly, Philip O Reilly, Reilly, philiporeilly.ie, Property Ireland, Ireland Property, Irish Property, Clare Property, Ennis, IAVI, I.A.V.I., EBS, E.B.S., IBA, I.B.A., Irish Auctioneers and Valuers Institute, EBS Building Society, EBS Bank, Bank, Educational Building Society, Irish Brokers Association, ISO 9001, Ennis, Cottage, Cottages, Bungalow, Bungalows, Ennis, Houses, House, Irish Homes, Residence, Residences, Farm, Ennis, Farms, Sites, Site, Land, Apartments, Apartment, Hotel, Hotels, Restaurants, Restaurant, Bar, Bars, Pubs, Pub, Shops, Shop, Auctioneers, Auctioneer, Estate Agents, Estate Agent, Valuers, Valuer, Insurance, Financial Services, Property Search, Search, Buying, Selling, Leasing, Valuation, Buy, Sell, Lease, Ennis,Rent, Let, Renting, Accommodation, Rental, Enquiry, Tenants, Tenant, Landlords, Landlord, Borrowing, Borrow, Loan, Loans, Home Loans, Home Loan, Mortgage, Mortgages, Mortgage Calculator, Property, House, Calculator, Annuity, Endowment, Fixed Rate, Fixed, Rates, Interest, Interest Rate, Variable Rate, Variable Rates, Indemnity, Bond, Stamp Duty, Ennis, Tax Relief, Mortgage Interest Relief, Relief, Housing Grant, Grant, Grants, First Time Buyers Grant, First, Time, Buyer, Quotation, Pensions, Pension, Company, Personal, Private, AVC, A.V.C., PIPS, PIPs, P.I.P.s, P.E.P.s, Personal Equity Plans, Personal Investment Plans, Investment, Equity, Plans, Plan, Asset, Assets, Asset Management, Savings, Investment, Insurance, Assurance, Cover, Motor, Home, Property, Commercial, Liability, Premium, Accident, Illness, Damage, Livestock, Public, Employers, Agricultural, Agriculture, Vehicle, Vehicles, Business"> <meta name="description" content="Philip O'Reilly & Co. for all Property, Insurance, Investments, Mortgages and Financial Services. Estate Agent, Realtor, Insurance Broker & Branch Agent for the EBS Building Society, Irelands premier mortgage and savings providers. Located in Ennis, Co. Clare and serving the West of Ireland."> <style type="text/css"> td img {display: block;}body { background-color: #336699; } .style1 { font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 9px; font-weight: normal; color: #22364D; font-style: normal; } .stlye2 { font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 11px; font-weight: bold; color: #2C4765; text-transform: none; } .style5 {font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 9px; font-weight: normal; color: #FFFFFF; font-style: normal; } .style6 { font-size: 15px; font-family: Verdana, Arial, Helvetica, sans-serif; color: #2C4765; font-weight: bold; } .style8 {font-size: 11px; font-family: Verdana, Arial, Helvetica, sans-serif; color: #D13552; font-weight: bold; } .style11 {font-family: Verdana, Arial, Helvetica, sans-serif; font-weight: bold; font-size: 11px;} .style12 { font-size: 12px; font-family: Verdana, Arial, Helvetica, sans-serif; color: #2C4765; font-weight: bold; } </style> <!--Fireworks 8 Dreamweaver 8 target. Created Wed May 10 11:21:29 GMT+0100 (GMT Standard Time) 2006--> <!-- #BeginEditable "head" --><!-- #EndEditable --> <link href="../style.css" rel="stylesheet" type="text/css" /> <style type="text/css"> <!-- .style17 {font-size: 8pt; font-weight: bold; text-decoration: none; text-align: center; font-family: Verdana, Arial, Helvetica, sans-serif;} --> </style> <script language="JavaScript" type="text/JavaScript"> <!-- function MM_swapImgRestore() { //v3.0 var i,x,a=document.MM_sr; for(i=0;a&&i<a.length&&(x=a[i])&&x.oSrc;i++) x.src=x.oSrc; } function MM_openBrWindow(theURL,winName,features) { //v2.0 window.open(theURL,winName,features); } //--> </script> <script language="JavaScript" type="text/javascript" src="http://www.philiporeilly.ie/searchscript/changeregiontown.js"></script> <link rel="Shortcut Icon" href="/favicon.ico"> </head> <body onLoad="changemy_loc1();" bgcolor="#366EAB"> <table width="780" border="0" align="center" cellpadding="0" cellspacing="0" bgcolor="#FFFFFF"> <tr> <td><a href="../index.htm"><img src="../images/prop-logo-header.jpg" alt="Welcome to Philip O Reilly Property Plus, Property, Insurance, and Financial Services. EBS Building Society." width="298" height="121" border="0" /></a></td> <td><img src="../images/prop-centre-header.gif" alt="Property Plus Background" width="220" height="121" /></td> <td><img src="../images/prop-couple-header.gif" alt="Philip O'Reilly Property Plus - Property Services - Purchasing Property" width="262" height="121" /></td> </tr> </table> <table width="780" border="0" align="center" cellpadding="0" cellspacing="0"> </table> <!-- #BeginLibraryItem "/Library/new_menu.lbi" --> <script language="JavaScript" type="text/javascript"> <!-- function mmLoadMenus() { if (window.mm_menu_0526104519_0) return; window.mm_menu_0526104519_0 = new Menu("root",142,20,"Verdana, Arial, Helvetica, sans-serif",10,"#FFFFFF","#FFFFFF","#255284","#518CCE","left","middle",3,0,250,-5,7,true,true,true,0,true,true); mm_menu_0526104519_0.addMenuItem("For&nbsp;Sale","location='http://www.philiporeilly.com/property/property-sale.htm'"); mm_menu_0526104519_0.addMenuItem("Purchasing&nbsp;Property","location='http://www.philiporeilly.com/property/property-purchase.htm'"); mm_menu_0526104519_0.addMenuItem("Selling&nbsp;Property","location='http://www.philiporeilly.com/property/property-selling.htm'"); mm_menu_0526104519_0.addMenuItem("Property&nbsp;For&nbsp;Lease","location='http://www.philiporeilly.com/property/property-leasing.htm'"); mm_menu_0526104519_0.addMenuItem("Valuations","location='http://www.philiporeilly.com/property/property-valuation.htm'"); mm_menu_0526104519_0.addMenuItem("The&nbsp;Area","location='http://www.philiporeilly.com/property/area.htm'"); mm_menu_0526104519_0.addMenuItem("Foreign&nbsp;Property","location='http://www.philiporeilly.com/property/overseas.htm'"); mm_menu_0526104519_0.addMenuItem("Contact&nbsp;Us","location='http://www.philiporeilly.com/property/contact.htm'"); mm_menu_0526104519_0.addMenuItem("Property&nbsp;Team","location='http://www.philiporeilly.com/property/teamproperty.htm'"); mm_menu_0526104519_0.fontWeight="bold"; mm_menu_0526104519_0.hideOnMouseOut=true; mm_menu_0526104519_0.bgColor='#B9C7D9'; mm_menu_0526104519_0.menuBorder=1; mm_menu_0526104519_0.menuLiteBgColor=''; mm_menu_0526104519_0.menuBorderBgColor=''; window.mm_menu_0526105925_0 = new Menu("root",128,20,"Verdana, Arial, Helvetica, sans-serif",10,"#FFFFFF","#FFFFFF","#255284","#518CCE","left","middle",5,0,250,-5,7,true,true,true,0,true,true); mm_menu_0526105925_0.addMenuItem("Investments","location='http://www.philiporeilly.com/finance/investments.htm'"); mm_menu_0526105925_0.addMenuItem("Savings","location='http://www.philiporeilly.com/finance/savings.htm'"); mm_menu_0526105925_0.addMenuItem("Pensions","location='http://www.philiporeilly.com/finance/pensions.htm'"); mm_menu_0526105925_0.addMenuItem("Investment&nbsp;Bonds","location='http://www.philiporeilly.com/finance/investment-bonds.htm'"); mm_menu_0526105925_0.addMenuItem("Life&nbsp;Assurance","location='http://www.philiporeilly.com/finance/lifeassurance.htm'"); mm_menu_0526105925_0.addMenuItem("Illnes&nbsp;Cover","location='http://www.philiporeilly.com/finance/illnesscover.htm'"); mm_menu_0526105925_0.addMenuItem("Contact&nbsp;Us","location='http://www.philiporeilly.com/finance/contact.htm'"); mm_menu_0526105925_0.addMenuItem("Financial&nbsp;Team","location='http://www.philiporeilly.com/finance/team.htm'"); mm_menu_0526105925_0.fontWeight="bold"; mm_menu_0526105925_0.hideOnMouseOut=true; mm_menu_0526105925_0.bgColor='#B9C7D9'; mm_menu_0526105925_0.menuBorder=1; mm_menu_0526105925_0.menuLiteBgColor=''; mm_menu_0526105925_0.menuBorderBgColor=''; window.mm_menu_0526110347_0 = new Menu("root",140,20,"Verdana, Arial, Helvetica, sans-serif",10,"#FFFFFF","#FFFFFF","#255284","#518CCE","left","middle",5,0,250,-5,7,true,true,true,0,true,true); mm_menu_0526110347_0.addMenuItem("Home&nbsp;Insurance","location='http://www.philiporeilly.com/insurance/home-ins.htm'"); mm_menu_0526110347_0.addMenuItem("Business&nbsp;Insurance","location='http://www.philiporeilly.com/insurance/business-ins.htm'"); mm_menu_0526110347_0.addMenuItem("Motor&nbsp;Insurance","location='http://www.philiporeilly.com/insurance/motor-ins.htm'"); mm_menu_0526110347_0.addMenuItem("Travel&nbsp;Insurance","location='http://www.philiporeilly.com/insurance/travel-ins.htm'"); mm_menu_0526110347_0.addMenuItem("Liability&nbsp;Insurance","location='http://www.philiporeilly.com/insurance/More-info-liability.htm'"); mm_menu_0526110347_0.addMenuItem("Farm&nbsp;Insurance","location='http://www.philiporeilly.com/insurance/farm-ins.htm'"); mm_menu_0526110347_0.addMenuItem("Property&nbsp;Insurance","location='http://www.philiporeilly.com/insurance/property-ins.htm'"); mm_menu_0526110347_0.addMenuItem("Contact&nbsp;Us","location='http://www.philiporeilly.com/insurance/contact_us.htm'"); mm_menu_0526110347_0.addMenuItem("Insurance&nbsp;Team","location='http://www.philiporeilly.com/insurance/team.htm'"); mm_menu_0526110347_0.fontWeight="bold"; mm_menu_0526110347_0.hideOnMouseOut=true; mm_menu_0526110347_0.bgColor='#B9C7D9'; mm_menu_0526110347_0.menuBorder=1; mm_menu_0526110347_0.menuLiteBgColor=''; mm_menu_0526110347_0.menuBorderBgColor=''; window.mm_menu_0526110705_0 = new Menu("root",155,20,"Verdana, Arial, Helvetica, sans-serif",10,"#FFFFFF","#FFFFFF","#255284","#518CCE","left","middle",5,0,250,-5,7,true,true,true,0,true,true); mm_menu_0526110705_0.addMenuItem("Home&nbsp;Loans","location='http://www.philiporeilly.com/mortgages/loan-centre/index.htm'"); mm_menu_0526110705_0.addMenuItem("First&nbsp;Time&nbsp;Buyers","location='http://www.philiporeilly.com/mortgages/loan-centre/firsttimebuyers.htm'"); mm_menu_0526110705_0.addMenuItem("Top&nbsp;Up&nbsp;Loans","location='http://www.philiporeilly.com/mortgages/loan-centre/personalloan.htm'"); mm_menu_0526110705_0.addMenuItem("Buy&nbsp;to&nbsp;Let&nbsp;Loans","location='http://www.philiporeilly.com/mortgages/loan-centre/buytolet.htm'"); mm_menu_0526110705_0.addMenuItem("Commercial&nbsp;Loans","location='http://www.philiporeilly.com/mortgages/loan-centre/commercial-loan.htm'"); mm_menu_0526110705_0.addMenuItem("Interest&nbsp;Rates","location='http://www.philiporeilly.com/property/homeloans-rates.php5'"); mm_menu_0526110705_0.addMenuItem("Mortgage&nbsp;Calculator","location='http://www.philiporeilly.com/property/homeloans-rates.php5'"); mm_menu_0526110705_0.addMenuItem("Mortgage&nbsp;Interest&nbsp;Relief","location='http://www.philiporeilly.com/mortgages/loan-centre/interest-relief.htm'"); mm_menu_0526110705_0.addMenuItem("Stamp&nbsp;Duty","location='http://www.philiporeilly.com/mortgages/loan-centre/StampDuty.htm'"); mm_menu_0526110705_0.addMenuItem("Legal&nbsp;&&nbsp;Other&nbsp;Costs","location='http://www.philiporeilly.com/mortgages/loan-centre/homepurchase-costs.htm'"); mm_menu_0526110705_0.addMenuItem("Affordability","location='http://www.philiporeilly.com/mortgages/loan-centre/affordability.htm'"); mm_menu_0526110705_0.addMenuItem("Contact&nbsp;us","location='http://www.philiporeilly.com/mortgages/loan-centre/contact.htm'");mm_menu_0526110705_0.addMenuItem("Mortgage&nbsp;Team","location='http://www.philiporeilly.com/mortgages/loan-centre/advisors.htm'"); mm_menu_0526110705_0.fontWeight="bold"; mm_menu_0526110705_0.hideOnMouseOut=true; mm_menu_0526110705_0.bgColor='#B9C7D9'; mm_menu_0526110705_0.menuBorder=1; mm_menu_0526110705_0.menuLiteBgColor=''; mm_menu_0526110705_0.menuBorderBgColor=''; window.mm_menu_0526111101_0 = new Menu("root",118,20,"Verdana, Arial, Helvetica, sans-serif",10,"#FFFFFF","#FFFFFF","#255284","#518CCE","left","middle",5,0,250,-5,7,true,true,true,0,false,true); mm_menu_0526111101_0.addMenuItem("Tax&nbsp;Table","location='http://www.philiporeilly.com/taxcentre/taxtable.htm'"); mm_menu_0526111101_0.addMenuItem("Stamp&nbsp;Duty&nbsp;Costs","location='http://www.philiporeilly.com/taxcentre/StampDuty.htm'"); mm_menu_0526111101_0.addMenuItem("Mortgage&nbsp;Relief","location='http://www.philiporeilly.com/taxcentre/interest-relief.htm'"); mm_menu_0526111101_0.addMenuItem("Renta&nbsp;A&nbsp;Room","location='http://www.philiporeilly.com/taxcentre/rentaroom.htm'"); mm_menu_0526111101_0.addMenuItem("Vat&nbsp;On&nbsp;Property","window.open('http://www.philiporeilly.com/taxcentre/vat-on-property.pdf', '_blank');"); mm_menu_0526111101_0.fontWeight="bold"; mm_menu_0526111101_0.hideOnMouseOut=true; mm_menu_0526111101_0.bgColor='#B9C7D9'; mm_menu_0526111101_0.menuBorder=1; mm_menu_0526111101_0.menuLiteBgColor=''; mm_menu_0526111101_0.menuBorderBgColor=''; mm_menu_0526111101_0.writeMenus(); } // mmLoadMenus() //--> </script> <script language="JavaScript" src="../mm_menu.js" type="text/javascript"></script> <script language="JavaScript1.2" type="text/javascript">mmLoadMenus();</script> <table width="773" border="0" align="center" cellpadding="0" cellspacing="0"> <tr> <td width="180"><a href="http://www.philiporeilly.com/property/index.htm"><img src="../images/new_menu_prop.gif" alt="Philip O' Reilly Property Plus Property Services: Property services, property clare, ennis, ireland " name="image1" width="183" height="23" border="0" usemap="#image1Map" id="image1"></a></td> <td width="161"><a href="http://www.philiporeilly.com/finance/index.htm"><img src="../images/new_menu_finance.gif" alt="Philip O' Reilly Property Plus Finanacial Services: Financial services, Clare, Ennis, Ireland " name="image2" width="161" height="23" border="0" usemap="#image2Map" id="image2" /></a></td> <td width="161"><a href="http://www.philiporeilly.com/mortgages/loan-centre/index.htm"><img src="../images/new_menu_mort.gif" alt="Philip O' Reilly Property Plus Mortgage Centre: home loans mortgages, Clare, Ennis, Ireland " name="image3" width="161" height="23" border="0" usemap="#image3Map" id="image3" /></a></td> <td width="163"><a href="http://www.philiporeilly.com/insurance/index.htm"><img src="../images/new_menu_insur.gif" alt="Philip O' Reilly Property Plus Insurances Services: Insurance, Home Insurance, Car Insurance Services, Clare, Ennis, Ireland " name="image4" width="163" height="23" border="0" usemap="#image4Map" id="image4" /></a></td> <td width="108"><a href="http://www.philiporeilly.com/taxcentre/index.htm"><img src="../images/new_menu_tax.gif" alt="Philip O' Reilly Property Plus Tax Centre, Clare, Ennis, Ireland " name="image5" width="112" height="23" border="0" usemap="#Map" id="image5" /></a></td> </tr> </table> <map name="image1Map" id="image1Map"> <area shape="rect" coords="40,4,161,20" href="http://www.philiporeilly.com/property/index.htm" onmouseover="MM_showMenu(window.mm_menu_0526104519_0,38,21,null,'image1')" onmouseout="MM_startTimeout();" /> </map> <map name="image2Map" id="image2Map"> <area shape="rect" coords="17,5,147,19" href="http://www.philiporeilly.com/finance/index.htm" onmouseover="MM_showMenu(window.mm_menu_0526105925_0,10,21,null,'image2')" onmouseout="MM_startTimeout();" /> </map> <map name="image3Map" id="image3Map"> <area shape="rect" coords="19,4,152,21" href="http://www.philiporeilly.com/mortgages/loan-centre/index.htm" onmouseover="MM_showMenu(window.mm_menu_0526110705_0,-150,21,null,'image4')" onmouseout="MM_startTimeout();" /> </map> <map name="image4Map" id="image4Map"> <area shape="rect" coords="16,4,144,19" href="http://www.philiporeilly.com/insurance/index.htm" onmouseover="MM_showMenu(window.mm_menu_0526110347_0,172,21,null,'image3')" onmouseout="MM_startTimeout();" /> </map> <map name="Map" id="Map"> <area shape="rect" coords="11,3,92,18" href="http://www.philiporeilly.com/taxcentre/index.htm" onmouseover="MM_showMenu(window.mm_menu_0526111101_0,-20,21,null,'image5')" onmouseout="MM_startTimeout();" /> </map> <!-- #EndLibraryItem --><table width="780" border="0" align="center" cellpadding="0" cellspacing="0"> </table> <table width="780" border="0" align="center" cellpadding="10" bgcolor="#FFFFFF"> <tr> <td><table width="755" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="203" valign="top"><table width="203" height="100" border="0" cellpadding="0" cellspacing="0"> <tr> <td><table width="203" height="244" border="0" cellpadding="0" cellspacing="0" background="../images/propertysearch-bgbox.jpg"> <tr> <td height="36" colspan="2"><img src="../images/purchasingprop-topmenu.gif" alt="Property Services - Purchasing Property" width="203" height="35" /></td> </tr> <tr> <td height="10"><img src="../images/arrow.gif" alt="arrow" width="20" height="18" /></td> <td height="18"><span class="smallLinks"><a href="property-purchase.htm" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('Image21','','../new-look/arrow1.gif',1)" class="smallLinks">Purchasing Property</a></span></td> </tr> <tr> <td height="10"><img src="../images/arrow.gif" alt="arrow" width="20" height="18" /></td> <td height="18"><a href="purchase-steps.htm" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('Image22','','../new-look/arrow1.gif',1)" class="smallLinks">Step By Step Guide</a></td> </tr> <tr> <td height="10"><img src="../images/arrow.gif" alt="arrow" width="20" height="18" /></td> <td height="18"><span class="stlye2"><a href="homepurchase-costs.htm" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('Image25','','../new-look/arrow1.gif',1)" class="smallLinks">Purchase Costs </a></span></td> </tr> <tr> <td width="26" height="10"><img src="../images/arrow.gif" alt="arrow" width="20" height="18" /></td> <td width="177" height="18"><a href="tax.htm" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('Image26','','../new-look/arrow1.gif',1)" class="smallLinks">Tax Implications </a></td> </tr> <tr> <td height="10"><img src="../images/arrow.gif" alt="arrow" width="20" height="18" /></td> <td height="18"><a href="firsttimebuyers.htm" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('Image27','','../new-look/arrow1.gif',1)" class="smallLinks">First Time Buyers</a></td> </tr> <tr> <td height="10"><img src="../images/arrow.gif" alt="arrow" width="20" height="18" /></td> <td height="18"><a href="homeloans-rates.php5" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('Image29','','../new-look/arrow1.gif',1)" class="smallLinks">Interest Rates </a></td> </tr> <tr> <td height="10"><img src="../images/arrow.gif" alt="arrow" width="20" height="18" /></td> <td height="18"><a href="calculator.htm" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('Image29','','../new-look/arrow1.gif',1)" class="smallLinks">Mortgage Calculator</a></td> </tr> <tr> <td height="10"><img src="../images/arrow.gif" alt="arrow" width="20" height="18" /></td> <td height="18"><a href="mortgage-quote.htm" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('Image29','','../new-look/arrow1.gif',1)" class="smallLinks">Mortgage Quotation</a></td> </tr> <tr> <td height="10"><img src="../images/arrow.gif" alt="arrow" width="20" height="18" /></td> <td height="18"><a href="JargonBuster.htm" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('Image29','','../new-look/arrow1.gif',1)" class="smallLinks">Jargon Buster</a></td> </tr> <tr> <td height="10"><img src="../images/arrow.gif" alt="arrow" width="20" height="18" /></td> <td height="18"><a href="currency.htm" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('Image29','','../new-look/arrow1.gif',1)" class="smallLinks">Currency Converter</a></td> </tr> <tr> <td height="18"><div align="left"><img src="../images/arrow.gif" alt="arrow" width="20" height="18" /></div></td> <td><a href="contact.htm" onmouseout="MM_swapImgRestore()" onmouseover="MM_swapImage('Image26','','../new-look/arrow1.gif',1)" class="smallLinks">Contact Us</a></td> </tr> <tr> <td height="10">&nbsp;</td> <td>&nbsp;</td> </tr> </table></td> </tr> <tr> <td><!-- #BeginLibraryItem "/Library/searchbox.lbi" --> <link href="http://www.philiporeilly.ie/style.css" rel="stylesheet" type="text/css" /> <script language="JavaScript" type="text/javascript" src="http://www.philiporeilly.ie/searchscript/changeregiontown.js"></script> <form method="post" name="form_searchbox" class="formMargins" id="form_searchbox" onclick="Changeaction(this.my_cat1)"> <table width="203" border="0" cellpadding="0" cellspacing="0" background="http://www.philiporeilly.ie/images/propsearchbg.gif"> <tr valign="top"> <td height="41" colspan="2"><img src="http://www.philiporeilly.ie/images/propsearch.gif" alt="Property Search " width="203" height="35" /></td> </tr> <tr> <td width="67"><div align="right"><span class="ebsLinks">Property</span>&nbsp;</div></td> <td width="136"><select name="my_cat1" onchange="changemy_loc_box();" size="1" class="MainbodyText" style="width: 130px"> <option value="Residential">Residential</option> <option value="New Development">New Developments</option> <option value="Site">Sites</option> <option value="Commercial">Commercial</option> <option value="Agricultural">Agricultural</option> <option value="Overseas">Overseas</option> </select></td> </tr> <tr> <td><img src="http://www.philiporeilly.ie/images/spacer.gif" width="1" height="8 " border="0" alt="" /></td> <td><img src="http://www.philiporeilly.ie/images/spacer.gif" width="1" height="8 " border="0" alt="" /></td> </tr> <tr> <td><div align="right"><span class="ebsLinks">Price</span>&nbsp;</div></td> <td><select name="europrice" size="1" class="MainbodyText" style="width: 130px"> <option value="1">Any Price</option> <option value="300000">up to &euro;300,000</option> <option value="500000">300,001 to 500,000</option> <option value="999">from &euro;500,001 + </option> </select></td> </tr> <tr> <td><img src="http://www.philiporeilly.ie/images/spacer.gif" width="1" height="8 " border="0" alt="" /></td> <td><img src="http://www.philiporeilly.ie/images/spacer.gif" width="1" height="8 " border="0" alt="" /></td> </tr> <tr> <td><div align="right" class="ebsLinks">Location&nbsp;</div></td> <td><span class="style1"> <select name="my_loc1" size="1" class="MainbodyText" style="width: 130px"> <option value="Any" selected="selected">Any</option> <option value="Ennis Area">Ennis Area</option> <option value="North and West Clare">North and West Clare</option> <option value="Shannonside and East Clare">Shannonside and East Clare</option> </select> </span></td> </tr> <tr> <td><img src="http://www.philiporeilly.ie/images/spacer.gif" width="1" height="8 " border="0" alt="" /></td> <td><img src="http://www.philiporeilly.ie/images/spacer.gif" width="1" height="8 " border="0" alt="" /></td> </tr> <tr> <td>&nbsp;</td> <td> <input value="0" name="typeofproperties" type="hidden" /> <input value="Any" name="my_type1" type="hidden" /> <input type="submit" value="Search" class="stlye2" name="submit" onclick="Changeaction(this.my_cat1)" /> &nbsp;&nbsp;</td> </tr> <tr> <td>&nbsp;</td> <td>&nbsp;</td> </tr> </table> </form><!-- #EndLibraryItem --></td> </tr> <tr> <td><!-- #BeginLibraryItem "/Library/featured-prop.lbi" --> <style type="text/css"> <!-- .stlye2 { font-family: Verdana, Arial, Helvetica, sans-serif; font-size: 11px; font-weight: bold; color: #3F6694; text-transform: none; } .style21 {font-size: 11px; font-weight: bold; text-transform: none; font-family: Verdana, Arial, Helvetica, sans-serif;} --> </style> <table width="203" border="0" align="left" cellpadding="5" cellspacing="0" background="../images/featuredprop-bg.gif"> <tr> <td height="32" align="left">&nbsp;</td> </tr> <tr> <td> <div align="center"><span class="stlye2">Cregg Beach, Lahinch, Co. Clare </span> <br /> <!-- <strong class="style21"><font color="#CF2E4C">PRICE: ¬ 289,500 </font></strong> --> </div></td> </tr> <tr> <td><table width="60" border="1" align="center" cellpadding="2" cellspacing="0" bordercolor="365880" bgcolor="#FFFFFF"> <tr> <td width="120"><div align="center"><a href="oftheweek.htm"><img src="../images/ofthemonth/cregg-small.jpg" alt="Cregg Beach" width="120" height="85" border="0" /></a></div></td> </tr> </table></td> </tr> <!-- <tr> <td><div align="center"> <applet code="TextScroll.class" width="160" height="80" border="2" vspace="0" class="sapp" hspace="2" codebase="../property"> <param name="data" value="../property/news-blk.txt" /> </applet> </div></td> </tr> --> </table> <!-- #EndLibraryItem --></td> </tr> <tr> <td><!-- #BeginLibraryItem "/Library/new-devs.lbi" --><table width="203" border="0" align="left" cellpadding="0" cellspacing="0" background="../images/darkerblue-bg.gif"> <tr> <td width="203" align="left"><img src="../images/prop-newdev.gif" /></td> </tr> <tr> <td><div align="center"><span class="stlye2">Galway Road, Ennis<br /> </span> <strong class="style8"><strong>L&Eacute;IM AN BHRAD&Aacute;IN </strong></strong> <br /> </div></td> </tr> <tr> <td><table width="135" border="1" align="center" cellpadding="2" cellspacing="0" bordercolor="365880" bgcolor="#FFFFFF"> <tr> <td><a href="property-special.htm"><img src="../images/leim-an-bhradain-special.gif" width="144" height="87" border="0" /></a></td> </tr> </table></td> </tr> <tr> <td height="15"><div align="center"><span class="style1"><span class="stlye2"><img src="../images/MENU_r23_c1.gif" alt="separator" width="203" height="15" /></span></span></div></td> </tr> <tr> <td height="0" valign="top"><form action="http://www.philiporeilly.com/cgi-bin/pormail.cgi" onsubmit="MM_openBrWindow('','','')" target="EmailList" class="formMargins"> <div align="center" class="style1"> <table width="100%" border="0" cellspacing="0" cellpadding="2" height="28" align="center"> <tr> <td height="28"><div align="center"><span class="stlye2">Receive our Newsletter<br /> </span><font face="Verdana, Arial, Helvetica, sans-serif">Simply enter your email address and submit.</font> </div></td> </tr> </table> <input type="hidden" name="flavor" value="subscribe" /> <input type="hidden" name="list" value="Latest_News_from_www.PhilipOReilly.com" /> <input name="email" type="text" class="CONTENT" value="email address here" size="20" onfocus="this.value=''" /> <input name="submit" type="submit" class="table_content" value="Go!" /> <font face="Verdana, Arial, Helvetica, sans-serif" size="2"><b><br /> </b></font><font face="Verdana, Arial, Helvetica, sans-serif"><span class="private">We maintain a strict &quot;No Spam&quot; policy. See our <a href="../privacypolicy.htm">Privacy Policy</a>.</span></font> <br /> <br /> </div> </form></td> </tr> </table> <!-- #EndLibraryItem --></td> </tr> <tr> <td><table width="203" border="0" cellpadding="0" cellspacing="0" bgcolor="#B9C7D9"> <tr> <td><img src="../images/bottomline-sidemenu.gif" width="203" height="1" alt="bottom" /></td> </tr> </table></td> </tr> </table></td> <td width="544" valign="top"> <table width="97%" border="0" cellspacing="0" cellpadding="0" align="right"> <tr> <td width="25" height="27"><div align="left"><img src="../images/head_prop_sq.gif" alt="Financial Services" width="19" height="19" /></div></td> <td width="419" class="headingPOR"><!-- #BeginEditable "header" -->Purchasing Property<!-- #EndEditable --></td> <td width="96" class="hText"><div align="right"><a href="../index.htm" class="ebsHomePageTitles">home</a></div></td> </tr> <tr> <td height="8" colspan="3" background="../images/head_dots.gif" ></td> </tr> <tr> <td colspan="3"><br /> <!-- #BeginEditable "main contents" --> <span class="propertyTitles">First Time Buyer Benefits</span> <span class="title"> <ul> <ul> <li>&nbsp;<a href="firsttimebuyers.htm#first">1. First Step Mortgage</a></li> <li>&nbsp;<a href="first-benefits2.htm">2. Mortgage Interest Relief</a></li> <li>&nbsp;<a href="first-benefits4.htm">3. Rent a Room Tax Free</a></li> <li>&nbsp;<a href="first-benefits5.htm">4. Stamp Duty<br /> </a> </ul> </ul> </span> <p><em><span class="title">The First Time Buyers grant was abolished on Thursday 14 November 2002. The Book of Estimates heralded the end of the First Time Buyers grant with immediate effect. </span></em></p> <table width="100%" border="0" cellpadding="0" cellspacing="0" class="tableContentHeadingsProp"> <tr> <td height="2"><font color="#000000" face="Verdana, Arial, Helvetica, sans-serif" size="2">&nbsp;&nbsp;</font><b><a name="first" id="first"></a> First Step Mortgage</b></td> </tr> </table> <p><span class="text"><font size="2" face="Verdana, Arial, Helvetica, sans-serif"><b> </b>For first time buyers, will provide the following special incentives. </font></span></p> <ul> <li><span class="CONTENT">They will provide you every assistance and understanding to help you secure your home.<br /> </span><br /> </li> <li><span class="CONTENT"><font face="Verdana, Arial, Helvetica, sans-serif">They will lend up to 92% of the purchase price (normally 90% for non first time buyers). </font></span><span class="text"><font size="2" face="Verdana, Arial, Helvetica, sans-serif"><br /> <br /> </font></span></li> <li class="text"><span class="CONTENT"><font size="2" face="Verdana, Arial, Helvetica, sans-serif"> We will offer you a very attractive interest rate in the first six months of 3.0%. If your loan request is below 75% of the purchase price, the rate is 2.75%.</font></span><font size="2" face="Verdana, Arial, Helvetica, sans-serif"><br /> </font></li> </ul> <span class="CONTENT">See Also:</span> <ul> <li class="title">&nbsp;<a href="first-benefits2.htm">Mortgage Interest Relief</a></li> <li class="title">&nbsp;<a href="first-benefits4.htm">Rent a Room Tax Free</a></li> <li class="title">&nbsp;<a href="first-benefits5.htm">Stamp Duty</a></li> </ul> <!-- #EndEditable --></td> </tr> </table></td></tr> </table></td> </tr> </table> <table width="780" border="0" align="center" cellpadding="2" cellspacing="0"> <tr> <td><div align="right"> <table width="100%" cellspacing="0" cellpadding="0" border="0"> <tr> <td width="83%" height="40"><div align="left"><span class="footerlinks">Philip O Reilly &amp; Co Ltd. T/A &quot;Philip O Reilly Property Plus.&quot;</span><b><br /> <span class="footerlinks">Registered in Ireland. Registered Office: 22 Abbey St. Ennis, Co Clare, Ireland. Registered No: 88408.</span><font color="#FFFFFF"><span class="footerlinks"></span></font><br /> <span class="footerlinks">Tel: + 353 65 68 44448&nbsp; Fax: + 353 65 68 20496&nbsp;&nbsp;&nbsp;E-Mail:</span><span class="footerlinks"><a href="mailto:info@philiporeilly.com"><font color="#FFFFFF">info@philiporeilly.com</font></a></span></b><br /> <b><br /> </b></div></td> <td width="9%" rowspan="3"><div align="center"><img src="../images/iso.gif" alt="ISO 9001 Quality Assured Firm" width="50" height="45" border="1" /><img src="../images/ivai.gif" width="69" height="45" alt="Member of IAVI, the Irish Auctioneers and Valuers Institute." /><img src="../images/iba_logo.gif" width="50" height="46" /></div></td> </tr> <tr> <td class="sidebarWhiteLink"><div align="left"><a href="../index.htm" class="sidebarWhiteLink">Home </a>- &nbsp;<a href="index.htm" target="_parent" class="sidebarWhiteLink" >Property </a>- <a href="../finance/index.htm" target="_parent" class="sidebarWhiteLink" >Finance </a>- <a href="../insurance/index.htm" target="_parent" class="sidebarWhiteLink" >Insurance </a>- <a href="../mortgages/loan-centre/index.htm" target="_parent" class="sidebarWhiteLink" > Mortgage Centre </a>- <a href="../taxcentre/index.htm" target="_parent" class="sidebarWhiteLink" >Tax Centre </a>- <a href="../Quotation.htm" target="_parent" class="sidebarWhiteLink" >Quotation Centre </a>- <a href="../about_us_1.htm" class="sidebarWhiteLink">About Us </a>- <a href="../site-map.htm" target="_parent" class="sidebarWhiteLink" >Site Map </a>- <a href="../news.htm" class="sidebarWhiteLink">News</a> - <a href="../news.htm" class="sidebarWhiteLink"><font color="#FFFFFF"><br /> </font></a><a href="JargonBuster.htm" class="sidebarWhiteLink">Jargon Busters </a><font color="#FFFFFF">-</font> <font face="Verdana, Arial, Helvetica, sans-serif" size="1"><a href="../comments_1.htm" class="sidebarWhiteLink">Comments </a><font color="#FFFFFF">-</font> </font><a href="mailto:info@philiporeilly.com" class="sidebarWhiteLink">E-Mail </a><font color="#FFFFFF">-</font> <font color="#FFFFFF"><a href="../termsofbusiness.htm" class="sidebarWhiteLink">Terms of Business</a> - </font><a href="../productproviders.htm" class="sidebarWhiteLink">Product Providers </a>- <small class="sidebarWhiteLink"><a href="../status.htm" class="sidebarWhiteLink">Statement of Authorised Status </a>-&nbsp;<font face="Verdana, Arial, Helvetica, sans-serif" size="1"><a href="../privacypolicy.htm" class="sidebarWhiteLink">Privacy Policy </a></font></small><small class="sidebarWhiteLink">&nbsp;</small> </div></td> </tr> <tr> <td height="24" valign="top" class="sidebarWhiteLink"><div align="left"><span class="footerlinks"><br /> Philip O'Reilly &amp; Co Ltd., trading as &quot;Philip O Reilly Property Plus&quot; is regulated by the Financial Regulator as a Multi Agency Intermediary &amp; Mortgage Intermediary in respect of Mortgages &amp; Financial Services. Property Services are not regulated by the Financial Regulator.<small class="sidebarWhiteLink">&nbsp;</small></span><small class="sidebarWhiteLink">&nbsp;</small> <small class="sidebarWhiteLink">&nbsp;</small> <small class="sidebarWhiteLink">&nbsp;</small> </div></td> </tr> </table> <br /> </div></td> </tr> </table><script type="text/javascript"> var gaJsHost = (("https:" == document.location.protocol) ? "https://ssl." : "http://www."); document.write(unescape("%3Cscript src='" + gaJsHost + "google-analytics.com/ga.js' type='text/javascript'%3E%3C/script%3E")); </script> <script type="text/javascript"> var pageTracker = _gat._getTracker("UA-222020-9"); pageTracker._initData(); pageTracker._trackPageview(); </script> </body> <!-- #EndTemplate --></html>