Autumn 2020 Newsletter
Welcome to the latest edition of our newsletter. As a company, we recognise the importance of staying in touch with you, our clients, and we hope that this newsletter will provide you with information on issues and topics of importance to you and your business. In each issue you will find information on a variety of topics such as business, finance, legal, IT and HR together with economic commentary. This newsletter SEFS-AUTUMN 2020 is one […]Read More
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 […]Read More
What is mortgage protection?
Mortgage Protection If you have a mortgage on your family home, you are legally required (with some exceptions) to have life insurance cover to pay off the mortgage should you die before the end of the mortgage term. This is called mortgage protection cover. Most lenders offer this cover as part of their home loan package. However you are not obliged to take their cover. You can arrange such cover yourself and there are many […]Read More
Five must do before you view
Buying a house is one of the biggest decisions you will ever make in your life and not one to enter into lightly. This five must do’s you will find helpful before you view a house. The information was sourced from www.havenmortgages.ie Use Google Maps to check the house out online before you visit, it is amazing what you can see in an aerial view. It is important to check online first to see if […]Read More
What is a mortgage?
Welcome to our first weekly blog that we hope will be helpful and informative in relation to your money matters in Gorey and the southeast of Ireland, we would like you to know that we are always available for a friendly no fuss chat. We can advice you in a common sense impartial manner as we deal with many companies, and can get you the best deal. This week our blog centers around mortgages, and […]Read More
Avoid these 10 Mistakes
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.Read More
3 Top Tips
Please take a minute to read our 3 top tips for mortgage protection policies.
1. Most mortgage protection policies are assigned to banks to cover loans from borrowers, but what most people don’t realise is that you don’t have to use the same company that provides the mortgage and you can change the provider at any time, if you can find a better price. There has never been a better time to review your cover. For example one provider is offering to match the lowest price on the market and then give an additional 10% discount for the full term of the policy. Terms and conditions apply.
2. If there are two people on the mortgage, the mortgage protection is normally sold on a joint life first death, decreasing termRead More
classic mortgage mistakes
There are countless articles about getting the best mortgage deal, explaining how to do it right, from finding a product that meets your needs to bagging the cheapest rate.
But, in reality, there are probably half a dozen or more ‘right’ mortgages for most borrowers – all of which would be suitable, competitive and meet their needs. Even in this restricted, post-credit crunch mortgage market, there are still many homeloans out there to choose from.
What’s just as important as finding a deal that suits you is avoiding making an absolute clanger. It’s a case of borrower beware when it comes to taking out a mortgage, because getting it wrong can cost you thousands.
Below are five major mistakes that could lead you to the wrong mortgage:
Buying a House
Buying a house is one of the biggest purchases most people will make, so it’s vital to be well organised before handing over your money. Once you’ve found your dream pad there are a lot of other things to consider and doing some research first could save you a lot of money in the long term. So before you sign on the dotted line make sure you ask these essential questions. 1. Do you have […]Read More
Trading Up/Down Moving house? We will help you make it happen with a Trading Up or Down Mortgage. Why not let us do all of the work in arranging your finance so that you are free to go and hunt for your dream home. We will offer you free independent advice and access to many of the lenders in the Irish Mortgage market therefore ensuring that you will get the best deal for the future […]Read More
Mortgage Repayment Protection
Mortgage Payment Protection For most people, a mortgage is the biggest and most important outgoing they have every month. Despite this, relatively few make provision in case they are unable to meet their repayments. Mortgage payment protection insurance (MPPI) is a valuable safety net. But for it to be effective, it must be appropriate for the customer’s needs and sold in an informed and responsible manner. Phoenix Financial Services can offer payment protection insurance for […]Read More