Why choose a mortgage broker?

What are the benefits of choosing mortgage broker when embarking upon your mortgage journey? A good mortgage broker can save you thousands of euro over the term of your mortgage. With so many banks and lenders offering mortgages, it can be hard to choose which one to go with. That’s why a mortgage broker can save […]

When is the last time you reviewed your mortgage?

The biggest savings in life can be made by regularly reviewing your mortgage. The mortgage market is ever changing, so there can be big savings to be made. According to a recent report from Doddl.ie, the average homeowner is paying over €4,000 per year extra in mortgage repayments by staying with their current lender. Over […]

What about your children’s future?

If you have children under 16 (or under 18 in full time education or training), you will be in receipt of Child Benefit. For one child, you will receive €140 per month, for two children €280 per month, for three children €420 per month etc. For more information on the specifics of Child Benefit, you […]

Financial Wellness

We all know how to look after our physical wellbeing, but have you considered your financial wellbeing? How do you determine your overall financial wellness? Debt Accrual First you must look at your level of debt. Are you constantly relying on overdrafts and credit cards for day to day life? This may be a red […]

Are your habits costing your savings?

We are now one month into the new year, are you all keeping up with your New Years Resolutions? Or maybe you haven’t made any? Now could be a good time to make one. Today I am going to talk about habits, and how much these habits cost us. These habits could be anything like […]

How to take control of your finances in 2021

The first step to take control of your finances is budgeting! Yes this is a basic but vital tool in order to get all your financial ducks in a row. How do you get your head around budgeting effectively? There is a rule, called the 50-30-20 rule, which was created by US Senator Elizabeth Warren […]

What is the value in a Financial Adviser?

Initially a financial adviser can help you identify your financial needs, recommend products to help you reach your goals and set everything up properly. This is where people think the financial adviser’s job ends. Often our work isn’t always visible to you. It is so easy to get confused by market performance, with factors like […]

Mind the Gap; Planning for a Comfortable Retirement.

Did you know that for every 10 years you delay paying into a pension, you will have to pay double the amount in order to reach the same goal by retirement age? But why should you contribute to a pension? Do you know what state pension you are entitled to? Contributory or non-contributory? The contributory […]

Fear of Investing

Many of our clients complain of earning practically nothing for their money on deposit. In the next breath they will tell us that they are afraid of investing. This is because they are afraid of losing any of their hard earned capital. Unless you are willing to take an element of risk, you will not […]

Gifts and Inheritance

Do you plan on leaving a loved one a significant gift or inheritance? Do you know the tax implications this may have on the individual? In 2020, you can leave your child up to €335,000 tax free, a blood relative can receive up to €32,500 tax free, while anyone else can only receive up to […]