Why getting financial advice now on mortgage rates is important! Mortgage rates are shooting up and this has implications not only for day-to-day household budgets but it’s likely causing huge numbers of borrowers to struggle to pay their mortgages. This will not just affect those on tracker rates who, for the first time in
My partner and I are cohabiting, but what are the implications in terms of inheritance tax? Q My partner and I bought a house seven years ago and while we do not intend to marry we are in a committed long term relationship. We have taken out life cover but friends frequently advise we should
I’m worried about my mortgage repayments. What should I do if they rise? Q My mortgage repayment is rising all the time, it is beginning to cause me stress. When I asked my lender, I was informed I cannot fix the rate. I’m worried repayments will rise to a level I can’t afford. What happens
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
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
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.
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
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?
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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