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Mortgage Protection Insurance

What are the new Mortgage Lending Rules in Ireland?

Getting a mortgage was a cinch in olden times (the noughties).

Deposit? Pah - 100% mortgages were the norm.

3.5 times income? Pfff -  Borrowing 8 times income was a breeze

You could even self-certify your earnings!

Yeah, I know, it didn't end well, and this laxer lending made the Central Bank more cautious when laying down Ireland's current mortgage lending rules.

But are things changing?

Is Mortgage Protection The Same as Life Insurance?

For millennia, philosophers have mused the difference between Life Insurance and Mortgage Protection.

Well, they haven’t, but I’m giving you the answer. 

What Costs Are Involved When Buying A Home In Ireland?

Is the whole house-buying industry a money-making business? I’ll let you make up your mind but let’s put it this way, buying a home is not cheap.

If you're new to the homeownership game, you might not even be aware of all the little extras that add up quickly.

Don’t worry, I want to get you all caught up, so you don’t get caught out.

Here are the extra money-sucking things you’ll need to plan for if you want to buy a home in Ireland.

How to Buy a House in this Crazy Rental Market

There are certain milestones in life that you’ll cling to as proof that you are an actual adult – even though “adult” can feel like a state of mind as your age slowly and not-so-assuredly creeps up.

Meeting the other half who you’re serious enough about that you’re happy to sit in and watch Love Island or whatever sportsball they’re into. Sustaining said relationship, even through wobblers about wet towels and whose turn it is to load the dishwasher. Finding the first few grey hairs. Having very serious discussions with your friends in the pub about mortgages and personal finances and babies.

Very strongly considering applying for a mortgage....

Where to Get a Good Solicitor for a House Purchase in Ireland 2022

Finding a reliable solicitor in Ireland isn't an easy job.

It's like searching for a needle in a haystack, blindfolded, wearing boxing gloves.

Don't get me wrong, there's a rake of solicitors out there who have your best interests at heart and treat you like an actual person instead of billable hours, but it's not easy and can be pretty overwhelming.

So we've done the heavy lifting for you and made a list!

What’s a Convertible Mortgage Protection Policy?

It's time to get down and dirty with mortgage protection.

We all know what a basic mortgage protection plan is, right?

It's a type of life insurance policy that protects your mortgage lender. If you die, your policy will pay a lump sum of cash to pay off your mortgage.

So yeah, it protects your bank, but you pay for it.

Hardly fair, but in Ireland we must do all we can to protect the banks, isn't that right?

What if I told you there's a type of mortgage protection with way more bang for your buck? 

This little gem is called a Convertible Mortgage Protection Plan.

What’s the Difference Between Life Insurance and Mortgage Protection in Ireland?

If you think you need life insurance for a mortgage, you're mistaken.

All you need is mortgage protection (no matter what the bank tells you)

It'll save you a few quid...

First Home Scheme Ireland | Your Plain English Guide

A few schemes are supposed to help first-time buyers take that precarious first step onto the property ladder, such as the Help to Buy Scheme and the Local Authority Homeloan Scheme.

But what’s this?

Instead of building more actual houses, our esteemed leaders have dreamed up a shiny new scheme to help you own your own home!

Introducing the First Home Scheme

Confidential Life Insurance

A little birdie told me that you’re holding back on life insurance because you’re worried about discussing some health issues you have.

That’s awful, but I understand.

First, any insurance broker worth their salt shouldn’t make you feel uncomfortable about personal health issues, but I’m sure this won’t quell the fear.

So how about if I told you one of our rather clever insurers now offers an app that means your broker has ZERO access to your medical information.

That’s right.

With Appy, a new medical underwriting app, insurance advisors have less involvement in your medical history.

New Ireland Mortgage Protection Review

Next in the firing line is New Ireland’s mortgage protection insurance.

I do love a good review article and you are going to love this one.

OK, love is probably a bit of a strong word choice.

Nobody loves insurance but look if you're getting a mortgage, you need mortgage protection so let's suck it up and get through this.

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As Ireland's leading life insurance broker, we specialise in comparing the rates and policies from the top five Irish life insurance providers and offering the very best value quotes to suit the individual needs of our clients. Our expertise lies in finding a suitable insurance plan for those with specific needs, be it a particular illness, occupation or claim history, we've got you covered in every sense!

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