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Rising Motor Insurance Premiums

Why is Motor Insurance prices Increasing

Rising Motor Insurance Premiums

I am sure by now you know the cost of motor insurance is sky rocking. We are all wondering why. According to Aviva the reasons below are a contributing factor. Here we will look at these reasons and advice what you can and should do when you get your renewal in.

Getting around the Mortgage Lending Rules

Struggling to save the deposit

Getting around the Mortgage Lending Rules

If you are struggling to save the deposit needed to buy your dream property, you should remember that there may be ways to get exempted from the rules. These new lending rules began 14 months ago and their effects where quickly noticed.

Business Insurance

What is Business Insurance and what is does it do?

Business Insurance

What is Business Insurance and what is does it do?
Anyone in business today wouldn’t think twice about insuring their business against loss from fire or theft. However, there are many other circumstances that can have damaging and lasting consequences. Indeed, without the right kind of protection, your business and even your families' finances, could be in financial ruin.

Mortgages in Donegal

Are lenders providing Mortgages in Donegal?

Mortgages in Donegal

Are lenders providing Mortgages in Donegal?
We are asked this questions a couple of times every day and the answer is YES, but not all banks. Some lenders are choosing the area’s in the County they wish to lend for and a new provider to Ireland is not lending in Donegal at all yet. The banks are lending but the lending criteria is tight and you must satisfy the criteria to get a mortgage or any other lending for that matter.

Difference between Life Assurance and Life Insurance

What are the differences

Difference between Life Assurance and Life Insurance

What are the differences between Life Assurance and Life Insurance?
The short answer is, there are no differences between them. The correct term is Life Assurance, as the policy insures a person and not an item. The other terms used are, Life Insurance, Life Cover and in some cases people use Death Cover, which is also correct as the policy pays out on the death of the insured person.

Non-Resident Landlords

Trouble Brewing

Non-Resident Landlords

Trouble Brewing. If you are renting property the Rep. of Ireland, particularly in Donegal, but not living in the Rep of Ireland, there is a tax issue which you need to be aware of.

Income Protection what is it?

What is income protection & how does it work?

Income Protection what is it?

Sick DogWhat is income protection & how does it work? The financial headache you face when an illness or accident prevents you from working can be severe. 

Cancer & Life Cover

Cancer & Life Cover

World Cancer Day is organised by the Union for International Cancer Control and is an opportunity to highlight the wide range of actions needed to effectively prevent, treat and control the many forms of cancer. It takes place on 4th February every year and was established in 1933 to raise awareness of the disease.

Pepper Homeloans

Pepper Homeloans

Pepper Homeloans has launched three mortgage products in Ireland for both home owners and buy-to-let loans. This is the first new mortgage lender in the Irish market since the banking crash.

Negative Equity Mortgages

What is negative equity?

Negative Equity Mortgages

Negative equity is when the value of your property is less than the amount owed on your mortgage. This means that if you wish to sell your house, the sale amount will not cover the amount you need to clear your mortgage. In other words, if you do sell your house you will still be left with an outstanding loan.

Markets Update

Markets Update

Donegal Investors’ biggest concerns currently centre on the growth outlook of the biggest economies around the world. These countries regularly release economic data which is analysed and used to determine their current and future growth potential. The US and China have recently released some weaker than expected economic data which has caused markets to speculate that growth will slow and reduce corporate profits, making those corporations less valuable. What we are seeing now is share prices falling in anticipation of that happening.

Tips for getting mortgage ready!

Tips for getting mortgage ready!

Lenders are now looking closely at basic income; bonuses and overtime cannot be guaranteed to be taken into account when a lender is assessing your application. Make sure you have six months of payslips, last year’s P60 and a salary cert completed by your employer (you can obtain a salary cert from your Financial Broker).

Tax Free Vouchers

Tax Free Vouchers

If you want to financially reward your staff this Christmas and give them a Christmas Bonus then this is a very cost effective way of doing it. If you want to Motivate your staff with finanical rewards during the year then this is most difinately an option and it is Tax Free.

Diabetes and Life Insurance

Having Diabetes does not always stop you from being able to obtain life insurance, in fact, many mainstream companies will offer life insurance to people who have well controlled Diabetes. We have had people refused life insurance from the main steam provides because of a combination of medical conditions alongside Diabetes, associated conditions, such as; strokes, heart conditions, raised cholesterol, high BMI (Body Mass Index).

Self-Directed Pension Plan

What is a Self-Directed Pension?

Self-Directed Pension Plan

A Self-Directed Pension somtines called Self-Invested Pension may be suitable for experienced investors, who want to manage their pension fund investments themselves. It gives you access to invest in a range of deposits, fixed interest accounts and equities, and should be considered a high-risk investment. It can be used by almost all Retirement Plans inlcuding executive pensions or personal pension plans.

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