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... Continue reading→
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... Continue reading→
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... Continue reading→
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... Continue reading→
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... Continue reading→
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... Continue reading→
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... Continue reading→
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... Continue reading→
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... Continue reading→
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... Continue reading→