In 2025, Irish families continue to navigate a complex economic environment marked by rising living costs, housing challenges, and global economic uncertainties. Building financial security isn't just a goal—it's a necessity for protecting your family's future and finding peace of mind. Why an Emergency Fund Matters in Ireland The Irish Economic Context Ireland's economic resilience [...]
As we approach the end of the year, it's crucial to take a comprehensive look at your financial landscape. This guide will help you navigate the key financial considerations specific to the Irish market, ensuring you're well-positioned for the year ahead. 1. Review Your Tax Situation Personal Tax Credits and Reliefs Check your tax [...]
In today's complex mortgage landscape, navigating home financing options can be overwhelming. Mortgage brokers serve as skilled intermediaries between borrowers and lenders, offering numerous advantages that can make your home-buying journey smoother and potentially more cost-effective. Here's a detailed look at why working with a mortgage broker might be your best path to homeownership. [...]
As the Halloween season approaches and little ghouls and goblins prepare to collect their treats, let's explore some financial "tricks" (savvy tips) and "treats" (valuable resources) that can help secure your financial future. No tricks here – just treating you to some solid financial advice! 🎃 Tricks (Smart Financial Tips) The Savings Spell Set up [...]
Buying your first home in Ireland is a major life milestone, often filled with excitement and anticipation. However, many first-time buyers underestimate the full financial cost involved. While the house price and mortgage are often the main focus, several hidden costs associated with buying a home can catch you by surprise. From Stamp Duty to [...]
Additional Voluntary Contributions (AVCs) are a valuable tool for Irish workers looking to enhance their retirement savings. This article explores what AVCs are, how they work, and their benefits and considerations. What are AVCs? AVCs are extra contributions that employees can make to their existing occupational pension scheme. These contributions are made in [...]
Life insurance is an essential financial tool that provides peace of mind and financial security for you and your loved ones. In Ireland, several types of life insurance policies are available, each designed to meet different needs and circumstances. This article explores the main types of life insurance options in the Irish market. 1. [...]
From first-time buyers navigating the property ladder to seasoned homeowners managing long-term loans, the importance of regularly assessing your mortgage cannot be overstated. Let's explore why taking a strategic look at your mortgage agreement could lead to significant financial benefits over time. 1. Potential for Significant Savings The Irish mortgage market is competitive, with rates [...]
When investing, understanding your risk tolerance is a critical step in building a portfolio that aligns with your financial goals and comfort level. As financial advisors, we often find that risk tolerance is both misunderstood and underestimated, yet it plays a central role in determining your investment strategy. Knowing your risk tolerance can make the [...]
Securing a mortgage in Ireland can sometimes feel like a convoluted process, and let’s be honest, a stressful one. Understanding what lenders consider “no-nos” can help not only improve your application but also shorten it and make it less nerve-wracking. Here are some key factors lenders don't want to see: 1. Poor Credit History Late [...]
