u/Feeling_Elderberry14

So in the search to buy our first home ballyvourney has popped up for us. However, my partner is not Irish. I'm not a gaeilgeoir. Anyone living in the area, would you say this would make it harder to integrate into the community?

I haven't been in ballyvourney in a few years since the bypass was built. Is there much in the area these days? I don't mind if we have to travel to the likes of macroom for our bigger shops etc. But is there any cafes etc?

We've received an AIP offer from our broker. Its significantly less than we had hoped for. My partner makes 66K and then commission/tips (around 10K last year). I'm at home with child so no childcare cost but obviously then just 1 income. We knew we wouldn't get full 264k with dependents but only got 150k with avant. With schemes, our savings etc We've got 325k as our budget. They are still applying to other lenders but said this would be the highest amount on a 29yr mortgage. Theres not much in that price range in new builds if we want to use schemes for FTB. Any second hand homes in our budget need serious work and its not something we would be able to take on.

From anyone else's experience did you find the likes of esb would offer closer to X4 mortgage than other lenders?