Meet Pascal
He speaks plain English (no jargon) and gives honest, independent trusted financial advice.
With 30+ years experience, Pascal can help you plan your future financial needs.
From Pensions and Investments to Mortgages and Protection.
Advice First Financial Services Donegal
Financial Advisor Services Donegal
Retirement & Pensions Planning
Retire with financial freedom by having an income once you stop working.
Life Insurance & Protection
Financially protect your loved ones in the event you pass away.
Mortgages
Ensure your Mortgage is fully paid off in the event your death.
Investment Advice
Good Investment advice in Donegal or anywhere is crucial to helping you plan for a secure future.
Public Sector
At Advice First Financial, we understand the unique financial landscape faced by public sector employees. Whether you’re navigating your Superannuation scheme, considering AVCs, or considering salary protection, our team of qualified financial advisors is here to provide clear, unbiased guidance tailored to your needs.
Later Life Finance Mortgage Products
A Lifetime Mortgage is a mortgage loan secured against your home. You do not sell a share of your home. You borrow a cash sum using your house as security. You can use this money as you wish.
Our Lifetime Mortgages are available to those over 60, residents in Ireland who own their own home.
What Advice First customers say
Pascal and his team are exceptional and provide advice and customer service that is tailored and tested. I would highly recommend his services.
Joanne Sweeney
18:05 04 Dec 25
Great experience with Pascal and Team in exciting financial journey, hat's off to them by understanding different individuals financial needs and then fulfilling accordingly, thanks a mill guys👍
Qasim Ejaz
08:45 01 Oct 25
We couldn't be more grateful to Shauna, Pascal & Aidan at Advice First. As first time buyers, they gave us great advice, assisted us with every step of the mortgage process & provided us with excellent communication throughout. We would definitely recommend Advice First to any first time buyers. Thanks again Shauna, Pascal & Aidan.Ciara and Daryl.
Daryl Sharkey
18:24 31 Aug 25
Hi Ruth,Many Thanks for all your support and advice on my Private Sector Pension and the current HSE Pension planning. You made it so easy to cash in my Private Pension and process all the paperwork. I am really grateful.You are always easy to contact to discuss any issues regarding my financial affairs.I have found you to be most helpful and I have recommended you to many of my colleagues and friends for Financial Advice and Planning.As always, Thank you.Kazem Monfared
Kazem Monfared
10:40 04 Jun 25
Pascal, kate and team at advice first are fantastic to deal with, we wouldn't have got our mortgage without them , highly recommend!!
Edel Muldowney
08:45 30 May 25
Excellent advice from Ruth Waters in relation to my early retirement, I would recommend Ruth if you are planning to retire soon.
Guven Faracli
08:46 28 May 25
Advice First recently helped us to secure our first mortgage. They were so lovely to deal with and extremely efficient. We dealt with Kate and she was always available to happily answer any questions we had. AF made a very stressfull, overwhelming process a lot easier. Would highly recommend them.
Josephine Gallagher
20:32 09 Apr 25
We had a great experience getting our mortgage through Advice First. It was stress-free and the team were always so helpful.
Alice Coghlan
12:08 09 Apr 25
Paschal and the team were a pleasure to deal with. Everything explained clearly and dealt with efficiently. Keep up the good work!
Joe McDonald
11:05 09 Apr 25
I highly recommend Pascal and his team at Advice First Financial Services. We consulted Pascal before our mortgage journey and he advised us on the steps to take to be mortgage ready. All our meetings were via Zoom which was so handy. When it came to applying for the mortgage the team were so efficient and made it very clear what information we needed to provide. They were always available if we had any queries. It definitely took the stress out of the whole process. I would absolutely recommend Advice First for all financial advice.
Karen Cassidy
08:11 09 Apr 25
I got my company pension along with Pascal and the team. Pascal explained everything throughly and made it understandable. The penson was set up quickly and received all documents quickly.. I would highly recommend Advice First Financials for any of your financial needs.
Zara Blaney
16:30 08 Apr 25
Had a consultation with Ruth this morning. She was very knowledgeable, punctual and helpful. All my questions were answered. Very professional company and staff.
Martin E
10:23 08 Apr 25
Kate and Pascal helped us so much at every stage throughout the mortgage journey and even after drawdown making sure everything was running smoothly. They were absolute lifesavers and made every stage so clear and easy to get through. I would highly recommend them! Thanks so much
Sinead Currums
09:38 30 Jan 25
Everyone I encountered at First Advice was accessible and communicated quickly keeping me informed of the mortgage process. I was very glad to have them when there were so many documents to sort and organize. I would recommend them.
Aisling Gilroy
16:59 12 Dec 24
Pascal gave us Genuine and excellent advice tailored to our personal situation. Clear, Concise, and Wise. Would highly recommend this Company.
Maty Alsabti
17:20 02 Jul 24
From our first meeting with Kate over a year ago, to getting the keys to our first house in the past month, Pascal and the entire team at Advice First have been an absolute dream to work with. They really took the stress out of the situation and we're thrilled we had them in our corner from the get go.At all stages we felt well informed as to the options available to us, and it was no issue if we changed our mind about something.The whole process from start to finish was very smooth, with Advice First helping us all the way.Although we've moved from Letterkenny Advice First will be our first stop for all our financial matters into the future. We really could not recommend these guys enough and we look forward to our future dealings.Lorna agus Oisín
Lorna Moloney
13:28 17 Jun 24
Giving 5 stars as I cannot give any more. I honestly can't speak highly enough of Pascal and the team at Advice First. They guided us through our first mortgage, and we would have been lost without them. Pascal has an outstanding way of advising clients, speaks plain English and is a genuine good person too. His team of advisors couldn't be more helpful with any queries we had. I wholeheartedly recommend to anyone that feels they need financial advice to speak to Pascal and his team. You will not regret it and their service is worth every penny. Wishing the team continued success and thank you for everything.
Noel Heavey
12:41 31 May 24
The team were extremely informative. They reduced the stress of going directly to the banks and did all the hard work for us, inc application, insurance etc.. They guided us through absolutely everything and if they received an email regarding our application, we got it immediately.Professional service and great communication.Would recommend Kate, Pascal and all the team
Francis O Brien
14:20 22 May 24
One of my friends suggested Advise First and I found them very trustworthy. Also they are very swift and reliable.Kate and Pascal done a fantastic job in getting our mortgage approved at a short span of time.I keep recommending them to other friends of mine as well.
nithin john
10:13 25 Mar 24
We bought/renovated our home and almost 12 months in, decided we needed a serious review of our finances. I had heard glowing reports about Advice First Financial Services in Letterkenny from a number of family/friends as well as Facebook.I had a real call with Pascal, looking at where are finances are, what we could do in the short as well as longer term to move things around so our money works its best for us.Pascal gave us good tips and advice to take home and discuss as well as future planning for our future family financing needs. We really did need an outside look at our current situation to help us stand back and view our finances in an honest and unbiased way.I would highly recommend Advice First for financial advice as they have set the wheels in motion for us and given us sound financial advice.
amanda doherty
12:52 29 Feb 24
We've been working with Pascal and the team at Advice First on getting 'mortgage ready' and applying for same, and have found the experience to date - brilliant. Pascal is personable, insightful and always enlightens us, making us feel prepared and informed. I used to find the financial journey a complicated one, but Advice First have a way of simplifying the steps and identifying gaps/providing perfect advice!
Marie Shields
10:22 19 Feb 24
5 star service. Pascal was really understanding and professional and gave first class advice.
Sean Mcdonald
10:47 26 Jan 24
Amazing, so helpful, friendly, knowledgeable and informative. He knows his stuff!
Rois0204
15:58 27 Nov 23
Advice First Financial Services.First rate friendly service, would highlyRecommend.
Johnny Tinney
14:38 23 Nov 23
Professional, efficient and dedicated. Made the entire process very easy. Thank you.
Mark Colgan
14:20 27 Sep 23
Pascal and his team have made, and continue to make our mortgage application process easy. They are experts in their field and I have no hesitations in recommending their services to friends and family. Pascal has kept us firmly on track and helped us avoid common pitfuls associated with the mortgage process. An easy 5* rating.
Liam Ward
19:09 20 Jul 23
I have to say the advice we got from Pascal was first class. Also, he came across as being very honest and a trustworthy person with the most pleasant demeanour.
terry crossan
11:56 14 Jul 23
Cannot recommend these guys highly enough. Always on the end of the phone or email, nothing felt like a problem. They made the whole process so much easier and took away all the stress. I'm now officially a homeowner thanks to them!
Caroline Murphy
13:05 06 Jul 23
What can I say , pascal great guy went above an beyond in helping us . Nothing was a bother and explained everything in great detail no question was never to silly to ask .. I couldn't recommend him and his team enough 😃🙌
Georgia Doherty
07:56 28 Jun 23
Having a family friend recommend The Advice First Financial Services Donegal team was not the reason that we chose to go with them for our mortgage application, others had been recommended too. It was the respectful, professional and relaxed way in which my first conversation with the team went. They continued to be helpful, clearly communicating each step of the process and outlining the necessary products one requires in addition to a mortgage. I would highly recommend the team for any financial advice.
DonnaMarie Mc Faul
14:44 26 Jun 23
I recommend Pascal and team. They dealt with everything quick. Any questions, they answered straight away, within reason. Pascal and team were very attentive and made sure we knew what was happening every step of the way. Even now after we got sale agreed, they still reached out if we had any questions/concerns. Thanks for all your help!
Shannon Devlin
20:29 21 Jun 23
Pascal and the team at advice first were great to deal with and provided a first class service. From start to finish they took the pain and stress out of the whole mortgage application and arranged everything from life insurance to house insurance. Without them I'd say we'd still be back and forth with the bank! Thanks Pascal and team on helping get us our home.
Alex O Donnell
10:00 21 Jun 23
Pascal and team were extremely informative and always got back to us in an adequate time frame. They reduced the stress of going straight to the banks for a mortgage as the banks are tricky to deal with. I would recommend advice first to anyone going for a first time mortgage. It definitely took the majority of the stress out of the whole process.
Leanne McGettigan
09:46 21 Jun 23
Great service from start to finished. Guided us through every stage and kept the process moving. Very professional service and great communication. Grateful to Pascal and his team.
Tommy Gallagher
18:42 20 Jun 23
Hi I have always found Pascal to be friendly, helpful and courteous and most important of all gives sound financial advice and life planning.
Barry Kearney
12:42 20 Jun 23
Myself and my husband had the pleasure with dealing with Pascal and the team over the past year as we bought our first home. From the first meeting our minds were put at ease as Pascal explained everything so well. He worked around our busy schedules as we were also wedding planning at the time and really helped take the stress of applying for and obtaining a mortgage. We can’t thank the team enough and highly recommend Advice First for peace of mind.
Orla Patton
14:25 24 Mar 23
Pascal, Tanya and the team were so helpful throughout our mortgage process from the initial meeting to final approval. They were very helpful and friendly. A pleasure to work with.
dana doherty
23:02 13 Feb 23
Paschal is not only an adviser but a good person. He has helped me set up my mortgage 15years ago and he’s still around giving advice. He’s very trustworthy. Thank you Paschal and God bless you for all your good deeds.
M C.A.
19:21 30 Jan 23
Pascal & the team are excellent to deal with - highly recommend
Marie Wilson Burns
16:15 18 Jan 23
Excellent service from Pascal and the team. For a first-time buyer, his mortgage advice and expertise took the hassle out of the entire process. Highly recommend.
Paul Magee
13:54 15 Dec 22
Always happy to help no matter how big or small the question/query is.
Sapphire Capell
21:03 13 Jul 22
Great service
Manus Crampsey
19:36 13 Jul 22
Highly recommend advice first Pascal was so helpful and kind took all the stress and hassle out of the mortgage process! Would 100% recommend to anyone looking for advice!
Toni Donnell
18:34 13 Jul 22
Without Pascal and Advice first we would still be renting. Initial meeting was so clear and great value for money to get you started on your plans. Amazing at simplifying advice when needed and so easy to reach out to and ask as many questions as needed. I cannot thank these guys enough.
Sheena Cavanagh
18:26 13 Jul 22
Very helpful and friendly,
John greer
17:24 13 Jul 22
Highly recommend Pascal for a 1 to 1 consultation.
Mr. G Doherty
11:58 12 Jul 22
Fantastic service and customer care, really friendly helpful staff who help you make informed choices and decisions that are tailored to suit your budget. I would highly reccomend giving them a call for a consultation.
Anne Devine
07:17 12 Jul 22
Pascal and his team are a great help and make dealing with financial issues very straight forward. Everything is put in layman's terms.
Maggie Durning
17:39 09 Jul 22
Highly recommend Pascal and team. They have made our mortgage journey much less confusing and stressful! Getting mortgage approval wouldn't have been possible without their attention to detail and brilliant advice.
Clare Sweeney
20:40 08 Jul 22
Really friendly and helpful in any queries you might have.
Padraig Boyce
20:17 08 Jul 22
I would highly recommend Pascal. He was a great help with getting our mortgage, insurance etc. sorted for our build. With the stress that can be involved in building or a purchase, this is definitely the best money you can spend.
Matthew Havlin
19:25 08 Jul 22
When shopping around for insurance for both income protection and life insurance for my husband and myself I came across advice first, I rang the number got speaking to pascal and from there on every question we had was answered in a way that we understood. Pascal had a wealth of knowledge and expertise in all areas of insurance not only did we feel well informed but we felt confident taking out the most appropriate policies to meet our needs. Thanks pascal, aisling and Ivan Mc Mahon
Aisling Mc Mahon
17:58 08 Jul 22
We have been dealing with Pascal for many years, each time we have been to see him, it was for different problems/issues and each time he has given us the best advice to meet our financial needs. Pascal has always behaved in a professional manner and it is for that reason we would have no problem recommending him to family or friends.
Marie Boyle
17:42 08 Jul 22
I’ve been a customer of Advice First, for a number of years now and have always found them easy to deal with, professional and friendly. Pascal always provides great advice and support.I would highly recommend Advice First to anyone.
Lisa Hannigan
17:23 08 Jul 22
Came back to add some text because honestly these guys deserve the 5 stars! We wanted impartial financial advice to help us get a mortgage and Pascal was amazing. He was there for any questions or to give advice, he handled so much of the paperwork we flew through the process and he helped us sort out insurances! Can't speak highly enough of him, his team and their professionalism!
Dean Curran
10:16 08 Jul 22
I had a 5 star experience with these guys. I went looking for help with a getting mortgage approved, and here I am, in my own home. I was also facing issues with getting mortgage protection, but that was no problem to Advice First! I would recommend anyone starting on their mortgage journey to give these guys a call…you won’t regret it!
Celine Carr
22:24 07 Jul 22
Pascal and the team at Advice First have literally changed my life - I was guided through the whole mortgage process from the very first initial meeting, with positive support and encouragement. Highly recommend Advice First for all financial needs!
Jane Donnellan
07:23 07 Jul 22
Quite simply, I would have given up trying to get a mortgage without Pascal's help. The banks put every obstacle they had in our way, but Pascal smoothed the path for us. We are now happily settled in our own home. Thanks Pascal!!!!! For everything
James Burgess
20:34 06 Jul 22
Recently myself and my other half completed on a property purchase in Donegal...... To clarify, we are based in Northern Ireland, which created a number of different problems, not least of which was Brexit.Of all the avenues we tried (banks, lenders, brokers) Pascal and his team at Advice First were the only ones who listened and then provided what we needed.Over the years I’ve done many property deals, infact, well in to double figures...... but have never seen the level of service that was provided by Advice First!
Golf Events NI
14:51 06 Jul 22
Top notch advice and guidance by Pascal. I can highly recommend!
Thor Seliger
09:13 06 Jul 22
Pascal and the team have been nothing less than fantastic to deal with. Always a pleasure to deal with. Highly recommend their services and always have.
Gavin
20:16 05 Jul 22
Mortgage Lenders in Ireland
Life Insurance & Protection in Ireland
Financial Services Donegal – Advice Blog
Mortgages When Earning Sterling
This is an area of confusion for lots of people. Especially for our friends living in or working in Northern Ireland who want to buy a home and live in the Republic of Ireland. Advice First talks about Cross Border Mortgage Donegal for those earning Sterling.
Can I make pension contributions for last year?
Yes, you can. If you wish to claim backdated tax relief for 2024, ensure that your pension contribution is paid on or before 28 October 2025.
Financial planning for Children with Special Needs
If you are a parent of a child with special needs and are looking for financial advice this article should help. Ensure the well-being & security of our children, especially those with special needs. Take proactive steps.