When purchasing a property in Ireland, securing the right insurance coverage is a crucial step that protects both your investment and your financial wellbeing. While some insurance types are mandatory requirements from mortgage lenders, others are highly recommended for comprehensive protection. Here's a guide to the insurance coverage you should consider when buying a house [...]
Self-employed individuals in Ireland face unique challenges when pursuing homeownership. While the dream of owning property remains achievable, the mortgage application process differs significantly from that of salaried employees. Understanding these differences and preparing accordingly can substantially improve your chances of success. Why It's Different for Self-Employed Applicants Income Verification Challenges Unlike PAYE employees who [...]
A common question we encounter is whether to buy a new build or an existing home. While both options have their merits, the mortgage landscape can look quite different depending on your choice. Let's dive into the key differences and what they mean for your home-buying journey. New Build Benefits and Mortgage Options [...]
As a mortgage advisor, we’ve noticed that certain questions come up time and time again from prospective homeowners. So, we’ve compiled the most common ones to help demystify the process. From figuring out how much you can borrow under the Central Bank's lending rules to understanding what documentation you'll need, these frequently asked questions cover [...]
Green mortgages have emerged as an innovative financial product in Ireland. These eco-friendly home loans reward homeowners for energy efficiency with better interest rates. But how exactly do you qualify for one? Let’s look at everything you need to know about green mortgages in Ireland. What Is a Green Mortgage? A green mortgage, also known [...]
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 [...]
