Do you have a mortgage? Can you spare 5 minutes to maybe save €000’s?

Just contact us and we’ll gather the information required to see how much you can save. We’ll then find the best rates and value for money and send you a free no obligation report. Nobody wants to pay more for anything than they need to. Whether you are a first-time buyer are on a variable rate or you’ve already fixed, there are great deals to be had. Why switch lender now? Mortgage rates have continued […]

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15 reasons why you’re broke – and how you can fix it.

Budgeting Tips Do you need help making your money last until pay day? By facing up to poor spending habits and setting yourself a budget you’ll find that not only does your money go further, but you may even have some left over. You don’t follow a budget Most Irish adults don’t have a household budget. Adding up all your income (after tax) then subtracting how much you spend each month is a good starting […]

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Help to Buy Scheme for First Time Buyers

The help-to-buy incentive has been the focus of attention in the wake of Budget 2017 but especially since the scheme opened for applications in January but considerable confusion still surrounds the practicalities of how the relief will work.

Put simply, to avail of this scheme you must be a first-time buyer, your mortgage must be for at least 70% of the value of the property, the property cannot be valued at more than €500,000, it must be newly built – ie no second-hand homes – and buy-to-let properties are excluded, so you must live there yourself.

Purchases Before Jan 1st 2017
The rules are slightly different for houses bought or built between July 19th 2016 and Dec 31st 2016. These properties will be eligible for tax rebates on purchases up to €600,000 – but the rebate will still be limited to €20,000.

Bonus: If first time buyers also manage to take out a mortgage with cashback they could get even more cashback.

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Who is going to fill their shoes?

Who is going to fill their shoes? Have you considered the impact the death of a key employee or business partner would have on your business? Business owners and their families throughout Ireland are facing this issue everyday. Some, however, are much better prepared than others. As a business owner, you protect your property, your vehicles and equipment. But have you considered what would happen to your business if you died prematurely and the financial […]

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Key Person / Partner

Have you considered the impact your death, the death of a key employee or business partner would have on your business?

As a business owner, you protect your property, your vehicles and equipment. But have you considered what would happen to your business if you died prematurely and the financial impact that it could have on your family and your business? Would your family stay in the business or would they sell it?

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Avoid these 10 Mistakes

Things NOT to do!

Avoid these mistakes if you want to lead a richer life!

1) Spend now, pay later

Don't throw your money away when you're young, assuming you'll be richer when you're older. People in their 40s and 50s actually have the most financial problems. Enjoy your financial freedom when you're young, but don't squander it.

2) Fail to save

Too many people claim they can't afford to save while blowing their cash on gadgets they don't need, clothes they never wear and nights out they regret in the morning. Set up a regular savings plan by standing order or direct debit, so you don't notice the money leave your account. Then have fun with what's left.

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Welcome to Our Website

Welcome Message https://player.vimeo.com/video/161370558

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Who is going to fill their shoes?

Have you considered the impact your death, the death of a key employee or business partner would have on your business?

Business owners and their families throughout Ireland are facing this issue every day. Some, however, are much better prepared than others.

As a business owner, you protect your property, your vehicles and equipment. But have you considered what would happen to your business if you died prematurely and the financial impact that it could have on your family? Would your family stay in the business or would they sell the business?

You may also need to consider the impact on your business of the death of a key employee or business partner. Would you have the funds available to buy your co-owner’s share of the business from their family? Would the business be able to sustain the financial loss on the death of a key employee?

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Get the most from your money with a financial plan

Get the most from your money with a financial plan.

If you haven't given any thought to planning out your financial future then you should do it now. A plan can help you get the most from your money and help you achieve your goals in life. If you don’t draw up a plan, you’re more likely to end up in a financial mess. Drawing up a plan sounds tough, but it’s easier than you might expect

Here are five financial perils that could inflict serious damage if you don’t have a plan.

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Tax-saving for the Self-employed

If you are self-employed you must calculate your tax liability and make a payment by 31st October 2014 (12th November if registered with ROS) in respect of your:
 
1. Final Tax Assessment for 2014;                                                    2. Preliminary Tax for 2015.
 
The good news…

You can reduce your 2014 Final Tax liability and your 2015 Preliminary Tax liability by making contributions to a Personal Pension plan or to a PRSA plan by 31st October 2015 (or 12th November 2015 for ROS users) and electing to backdate the tax relief to 2014.

Example:

 John is self-employed, aged 45 years, and his Net Relevant Earnings for 2014 were

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How to be prepared for a financial emergency

If you don't have enough savings to fall back on, you should take action now to protect yourself from an unexpected bill.

A third of us are living on the financial edge with no savings whatsoever. The three most common unexpected costs were: car repairs, medical bills, and technology that needed urgent repair or replacement. Worryingly, many of us would either have to get into debt or increase our debt if we were hit by unexpected bills. And, unless you can rely on family or friends, getting hold of a decent chunk of cash fast will cost you. So it’s better to be prepared in case of an emergency.

Here are two ways to make sure you have money on hand for a rainy day.

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