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# Shankill Financial Services

FINANCIAL GUIDANCE AND CHOICE.  CREATING YOUR SUCCESS THROUGH FINANCIAL PLANNING

## Sitemaps

- [XML Sitemap](https://shankillfs.ie/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://shankillfs.ie/blog/) - The impact of inflation on cash savings May 16, 2025 May 16, 2025 I am in my early sixties and have accumulated a nest egg of savings which I am planning to rely on in retirement. Should I be worried about the impact that inflation will have on this money? Research suggests that if inflation
- [The impact of inflation on cash savings](https://shankillfs.ie/the-impact-of-inflation-on-cash-savings/) - I am in my early sixties and have accumulated a nest egg of savings which I am planning to rely on in retirement. Should I be worried about the impact that inflation will have on this money? Research suggests that if inflation stays at its current level of around 2% in this country it would Research suggests that if inflation stays at its current level of around 2% in this country it would deflate a nest egg of €20,000 to just €16,600 in 10 years.
- [Essential Insurance Coverage for Homeowners in Ireland](https://shankillfs.ie/essential-insurance-coverage-for-homeowners-in-ireland/) - When purchasing a property in Ireland, securing the right insurance coverage is a crucial step that protects both your investment and your financial well-being. 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
- [Buying a House in Ireland as a Self-Employed Person](https://shankillfs.ie/buying-a-house-in-ireland-as-a-self-employed-person/) - 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
- [Buying a New Build vs Existing Home in Ireland](https://shankillfs.ie/buying-a-new-build-vs-existing-home-in-ireland/) - 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 Help to
- [10 Most Frequently Asked Mortgage Questions](https://shankillfs.ie/10-most-frequently-asked-mortgage-questions/) - 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 in Ireland: Saving Money While Improving the Planet ](https://shankillfs.ie/green-mortgages-in-ireland-saving-money-while-improving-the-planet/) - 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
- [Building an Emergency Fund in 2025: Understanding the Financial Landscape in Ireland](https://shankillfs.ie/building-an-emergency-fund-in-2025-understanding-the-financial-landscape-in-ireland/) - 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
- [Year-End Financial Checkup: Securing Your Financial Health For 2025](https://shankillfs.ie/year-end-financial-checkup-securing-your-financial-health-for-2025/) - 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 credits
- [The Value of Working with a Financial Advisor: A Comprehensive Guide](https://shankillfs.ie/the-value-of-working-with-a-financial-advisor-a-comprehensive-guide/) - Making informed decisions about your money has become increasingly challenging. While digital tools and online resources are readily available, many individuals find that working with a financial advisor provides unique advantages that extend far beyond basic investment management. Here's a detailed look at why partnering with a financial advisor could be one of your wisest
- [Trick or Treat? Financial Tips and Resources You Need](https://shankillfs.ie/trick-or-treat-financial-tips-and-resources-you-need/) - 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
- [Is It More Difficult to Buy a House as a Single Person?](https://shankillfs.ie/is-it-more-difficult-to-buy-a-house-as-a-single-person/) - Your first home is without a doubt one of the most important decisions you can make. Whether you’re a couple wishing to start a family or a solo professional seeking to settle into a space to call your own, the moment you finally get the keys is a day you won’t forget in a hurry.
- [Planning for the Future](https://shankillfs.ie/planning-for-the-future/) - Planning for the Future For some of us, retirement feels like something in the distant future. However, planning and saving for retirement is a crucial step that can significantly impact your financial security and quality of life later. Most of us understand the importance of managing our pensions, but that’s not all. This guide aims
- [Top Financial Mistakes and How to Avoid Them](https://shankillfs.ie/top-financial-mistakes-and-how-to-avoid-them/) - Making smart decisions is crucial for financial stability and growth. However, even the most financially savvy individuals can stumble. Here, we outline some common financial mistakes and practical advice on how to avoid them. 1. Neglecting to Plan for Retirement The Mistake: Many delay or neglect planning for retirement, assuming it’s too far off to
- [What Lenders DON’T Want to See](https://shankillfs.ie/what-lenders-dont-want-to-see/) - 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
- [Guide to Financial Planning for Beginners](https://shankillfs.ie/guide-to-financial-planning-for-beginners/) - Guide to Financial Planning for Beginners Financial planning might seem daunting, especially if you’re just starting out on your financial journey. However, it’s an essential skill that can help you achieve your life goals, whether they’re short-term goals like saving for a holiday, medium-term objectives like buying a home, or long-term plans such as preparing
- [Your Guide to Understanding Risk Tolerance](https://shankillfs.ie/your-guide-to-understanding-risk-tolerance/) - 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. Whether you’re saving for retirement, a child’s
- [Understanding Demonstrated Repayment Ability (DRA)](https://shankillfs.ie/understanding-demonstrated-repayment-ability-dra/) - In the aftermath of the 2008 financial crisis, Irish lenders and regulators have implemented stricter measures to ensure responsible lending practices. One crucial concept that has gained prominence is Demonstrated Repayment Ability (DRA). This article aims to explain DRA and its significance for Irish borrowers. What is Demonstrated Repayment Ability (DRA)? Demonstrated Repayment Ability refers

## Pages

- [Home](https://shankillfs.ie/) - Financial Guidance and Choice. Creating Your Success Through Financial Planning APPLY FOR A MORTGAGE START A PENSION PLAN INVEST FOR THE FUTURE PROTECTION At Shankill Financial Services we are dedicated to offering a wide range of financial services designed to protect and enhance your financial well-being. Our expertise covers Mortgages, Life Assurance, Pensions and Investments.
- [Our Complaints Procedure](https://shankillfs.ie/our-complaints-procedure/) - Our Complaints Procedure If you wish to make a complaint to us, please contact us with an outline of your complaint. When we receive a complaint from a client, we will confirm to them that we received their complaint, within 5 working days. Unless we have sorted the complaint to their satisfaction and no further
- [Meet the Team](https://shankillfs.ie/meet-the-team/) - Meet the Team James Maguire James Maguire is a fully Qualified Financial Advisor (QFA) and Director of Shankill Financial Services Ltd, trading as Smart Mortgages Ltd. With extensive experience in the Irish financial services sector, James has earned a reputation for providing clear, tailored financial advice to individuals, families, and businesses. Prior to establishing his
- [Privacy Policy](https://shankillfs.ie/privacy-policy/)
- [Testimonials](https://shankillfs.ie/testimonials/) - Testimonials Paula & Michael Whelan Niamh O'Brien 3 years ago We have recently completed a mortgage agreement through Shankill Financial Services, from our very first call through to the final signatures Wayne, Brigid and the team could not have been more helpful, leading and advising us through every step! They checked in throughout and offered
- [About](https://shankillfs.ie/about/) - About Whether you are looking to get a mortgage, setting up a pension plan or looking to invest your savings, we can offer you clear, impartial advice you can trust. Meet the team Testimonials
- [Jargon Buster](https://shankillfs.ie/jargon-buster/) - Jargon Buster Accidental death benefit This is a benefit included on some life insurance policies. A life insurance policy doesn’t come into legal effect until you pay the first premium to your insurance company. Some insurers offer ‘accidental death’ benefit from the date they receive your application form. This means that if you die suddenly
- [Apply for a Mortgage](https://shankillfs.ie/apply-for-a-mortgage/) - Apply for a Mortgage Smart Mortgages is part of Shankill Financial Services Ltd. Applying for a mortgage can be a challenging process. The aim of our Smart Mortgage team is to make this process easier and quicker for you. One of the ways we do this is through our online application process. Applying online for
- [Savings & Investment](https://shankillfs.ie/our-services/savings-investment/) - Savings and Investments What we offer Monthly Savings Plans Lumpsum Investments Small Gift Tax Exemption Solutions Corporate Savings & Investments How can we help you Assess your savings needs and recommend a suitable investment option. As part of our recommendation, we will consider your savings goals and your attitude to risk. We can assist
- [Income Protection](https://shankillfs.ie/our-services/income-protection/) - Income Protection What is Income Protection? Provides regular income replacement if you are unable to work due to illness or injury. You can take out Income Protection cover of up to 75% of your earnings. Not everyone needs their income to start as soon as they’re out of work. If your employer pays you sick
- [Life Assurance](https://shankillfs.ie/our-services/life-assurance/) - Life Assurance What is Life Assurance? Life assurance is a policy that pays a lump sum upon the policyholder's death. Term life assurance covers a specific period; if death occurs during that time, the payout is made, but nothing is paid if the term expires. Whole of life assurance guarantees a payout whenever the policyholder
- [Mortgage Protection](https://shankillfs.ie/our-services/mortgage-protection/) - Mortgage Protection What is Mortgage Protection? Specifically designed to pay off the outstanding balance of a mortgage in the event of the policyholder’s death. Mandatory for Mortgages: Often a requirement by mortgage lenders to ensure the loan is repaid if the borrower dies. This insurance usually lasts for the same period as the mortgage.
- [Start a Pension Plan](https://shankillfs.ie/start-a-pension-plan/) - Start a Pension Plan In Ireland, pension products are designed to help individuals save for retirement and provide financial security in their later years. Understanding the different types of pension products available can help individuals make informed decisions about their retirement planning. We can help you to understand your pension options, assess your financial situation
- [Invest for the future](https://shankillfs.ie/invest-for-the-future/) - Invest for the Future Holding your money in cash or on deposit may make sense for people who are particularly risk averse and/or have short-term goals. However, over the last number of years holding too much of your savings in cash has been costly. Generally, people are rewarded for taking some risk with their investment
- [Our Charges](https://shankillfs.ie/our-charges/) - Our Charges We, Shankill FS Limited act as Broker between you, the consumer, and the product provider with whom we place your business. The background Pursuant to provision 4.58A of the Central Bank of Ireland's September 2019 Addendum to the Consumer Protection Code, all Brokers, must make available in their public offices, or on their
- [Mortgage Calculator](https://shankillfs.ie/calculators/mortgage-calculator/) - Mortgage Calculator This calculator shows you what your monthly repayments would be for a mortgage, depending on the amount you borrow, how long you want the mortgage to last and the rate you pay. The results are estimates only and may differ slightly from some financial institutions, as interest may be calculated in a slightly
- [Mortgage Rate Change Calculator](https://shankillfs.ie/calculators/mortgage-rate-change-calculator/) - Mortgage Rate Change Calculator You can use this calculator to work out the changes to your monthly mortgage repayments and cost of credit if: The interest rate on your mortgage changes You want to switch to a different mortgage rate or change the term of your mortgage You have a lump sum you want to
- [Pension Tax-Relief Calculator](https://shankillfs.ie/calculators/pension-tax-relief-calculator/) - Pension Tax-Relief Calculator Calculate the amount of Tax Relief you are entitled to with this Calculator courtesy of Zurich Life
- [Pension Calculator](https://shankillfs.ie/calculators/pension-calculator/) - Pensions Calculator Protect your financial future with this Pension & Retirement Calculator from Zurich Life
- [Extra Mortgage Payments Calculator](https://shankillfs.ie/calculators/extra-mortgage-payments-calculator/) - Extra Mortgage Payments Calculator How many years are left on your mortgage? 5678910111213141516171819202122232425262728293031323334353637383940 Interest rate (APR) % How much is currently outstanding on your mortgage? How much of a lump-sum payment would you like to make (in Euro)? OR How much extra would you like to repay each month? Monthly repayments Current New Repayment:
- [Calculators](https://shankillfs.ie/calculators/) - Calculators Mortgage Calculators Mortgage Calculator Mortgage Rate Change Calculator Extra Mortgage Payments Calculator Pension Calculators Pension Calculator Pension Tax-Relief Calculator
- [Pensions](https://shankillfs.ie/our-services/pensions/) - Pensions What we offer Personal pensions PRSA pensions Review existing pension AVCs Self employed pension options Director pension options Company schemes for employees ARFs / AMRFs Buy out bonds / leaving service options How can we help you Plan effectively for retirement Offer tax saving options Provide a wide range of fund choice Bring a
- [Shankill Financial Services News and Blog](https://shankillfs.ie/shankill-financial-services-news-and-blog/) - News and Blog All general The impact of inflation on cash savings May 16, 2025 May 16, 2025 shankillfs I am in my early sixties and have accumulated a nest egg of savings which I am planning to rely on in retirement. Should I be worried about the impact that inflation will have on this
- [Protection](https://shankillfs.ie/protection/) - Protection Life Assurance Mortgage Protection Income Protection Life assurance, mortgage protection, and income protection are all types of insurance that provide financial security, but they serve different purposes and offer varying types of coverage. The below explanation for each type of policy should help you to determine the type and amount of protection you need.
- [Contact](https://shankillfs.ie/contact/) - Contact Address: Station House, Shankill, Dublin 18 Telephone: 01 239 3220 Email: info@shankillfs.ie Location: Enquiry Form Your Name (required) Your Email (required) Telephone Your Message
- [Our Services](https://shankillfs.ie/our-services/) - Our Services Mortgages Mortgage Protection Income Protection Savings & Investment Pensions Life Assurance Apply for a Mortgage
- [Customer Privacy Notice](https://shankillfs.ie/customer-privacy-notice/) - Our principal business is to provide advice and arrange transactions on behalf of clients in relation to Life, Pensions, Investments and Deposits. We provide our services from the selection of products provided by the Companies we have agencies with. We recommend the product that, in our professional opinion, is best suited to you. In providing
- [Cookie Policy](https://shankillfs.ie/cookie-policy/) - You need to add a widget, row, or prebuilt layout before you'll see anything here. :)

## Categories

- [General](https://shankillfs.ie/category/general/)