When to seek Financial Advice

Seek financial advice whenever you need clarity, guidance, or aim to maximize your money’s potential.

Achieving your goals depends on the quality and efficiency of your financial plan.

Let our award-winning advisors take care of it for you.

Financial Planning vs. Stages of Life

Financial planning is a journey that evolves with every stage of life. From the vibrant energy of your 20s to the reflective wisdom of your 60s and beyond, each decade brings its own financial challenges and opportunities. Understanding how to navigate these changes is crucial for securing a comfortable and prosperous future. 

LowQuotes.ie
4.9
Based on 1512 reviews
yue Z.
yue Z.
Isabel in LowQuotes helps us lots to get our mortgage protection. She helps us find the right product, answers our questions when needed. She also follows up with us at the right time to make sure she’s there when we need her help.
Robert D.
Robert D.
Dont always trust google reviews myself in general, however i honestly cannot highly recommend these guys enough. We very recently dealt with Colin over a couple phone consultations and he gave us alot of his time to advise & help us navigate throught setting up a Life Insurance policy that was tailored to our family needs both now and planned for long into the future. He was very polite, professional and most importantly a genuine friendly guy which was a huge help as i found this type of cover to be a real minefield. Most of all, we always felt at ease as there was no high sales pressure tactics implied and his honesty and expertise helped us make the right decision. Thanks again, Robert+Debbie.
Fintan M.
Fintan M.
I can't recommend Bernadine highly enough! From our first conversation, she was professional, knowledgeable, and incredibly responsive. She took the time to explain all of our options clearly and guided us through every step of the mortgage process with patience and expertise.What really stood out was her ability to find us a fantastic rate and make the entire experience as smooth and stress-free as possible. Communication was top-notch—we always felt informed and supported.If you're looking for a mortgage broker who truly has your best interests at heart, look no further. Bernadine made what could have been an overwhelming process feel easy and even enjoyable. Thank you for helping us secure our dream home!
Response from the owner: Hey Fintan,We’re delighted to hear about your positive experience with Bernadine. It’s great to know she was able to explain everything clearly, keep you informed throughout, and secure such a fantastic rate for your mortgage. We aim to make the process as smooth and stress-free as possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Sinead L.
Sinead L.
Found Colin extremely easy to deal with
Response from the owner: Hey Sinead,We’re delighted to hear about your positive experience with Colin. It’s great to know you found him so easy to deal with, making the process simple and straightforward is exactly what we aim for.If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Roxana-Maria S.
Roxana-Maria S.
We had the pleasure of working with Conor in securing us the best deal for our life insurance (for a house purchase) and he went above and beyond to help us. Very responsive to our questions and changes that we asked for in the policy documents.He managed to get us sorted very fast and I highly recommend him and this company for all your insurance needs!
Response from the owner: Hey Roxana-Maria,We’re delighted to hear about your positive experience with Conor. It’s great to know he went above and beyond to answer your questions, make the adjustments you needed, and secure the best deal for your life insurance. We always aim to make the process fast, clear, and stress-free, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Alan O.
Alan O.
Excellent experience. I have never used Low Quotes before. Prices offered were most competitive and process of arranging life cover was seamless. Mail was a pleasure to deal with. Best experience I have had arranging cover on phone. Great Service
Response from the owner: Hey Alan,We’re delighted to hear about your positive experience with Maik. It’s great to know he made the process of arranging life cover seamless and that you found our prices competitive. We aim to make arranging cover over the phone as clear and stress-free as possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Amanda G.
Amanda G.
I had the pleasure of being acquainted with Niamh via low quotes. She was professional, friendly, knowledgeable and efficient. Niamh went above and beyond her duties to ensure I had the best support and mortgage offer. From start to finish, Niamh was diligent and helpful. I would recommend Niamh to anyone who is looking for a mortgage broker who will safeguard their best interests and provide support.
Response from the owner: Hey Amanda,We’re delighted to hear about your positive experience with Niamh. It’s great to know she was professional, friendly, and efficient, while also going above and beyond to secure the best mortgage offer for you. We aim to provide clear guidance and strong support throughout the process, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Dominika
Dominika
Isabel was very professional and helpful, we are very happy with the life insurance contract we signed.
Response from the owner: Hey Dominika,We’re delighted to hear about your positive experience with Isabel. It’s great to know she was professional and helpful in guiding you through the process, and that you’re happy with your new life insurance contract.We aim to make everything as clear and straightforward as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
xo
xo
Highly recommended! I had help from Isabel, who was always friendly and patient. It took us quite a long time to finally get cover for mortgage protection due to a few health issues, but we got there in the end! She made the process easy, and was constantly calling up whenever there was queries and delays. The whole experience was really good, I was never waiting long for a reply, any time I called she picked up straight away. Took away a lot of the stress associated with struggling to find cover! Thanks a million 🫶🏼
Response from the owner: Hey xo,We’re so pleased to hear about your positive experience with Isabel. Getting mortgage protection in place can sometimes be a longer journey when health factors are involved, but we’re delighted that Isabel’s patience and support made the process as smooth and stress-free as possible for you.It’s great to know you felt looked after every step of the way, quick responses and clear communication are exactly what we aim for. Thank you so much for recommending us, and we’re thrilled to have helped you secure your cover in the end!Best Regards,LowQuotes Team
Ana Caroline S.
Ana Caroline S.
Colin was a pleasure to deal from start to finish, he made everything so simple.He gave us all options and once we made our decision it was all done very fast.I would 100% recommend Colin with no hesitation.
Response from the owner: Hey Ana Caroline,We’re delighted to hear about your experience with Colin! It’s great to know he made everything simple, explained all the options clearly, and ensured the process was completed quickly for you.Thank you so much for your recommendation, it means a lot to us. We’re thrilled Colin could provide such a positive experience from start to finish.Best Regards,LowQuotes Team
Caroline M.
Caroline M.
I worked with Bernadine who was so diligent and a great resource couldn't recommend enough
Response from the owner: Hey Caroline,We’re so glad to hear about your experience with Bernadine! It’s wonderful to know you found her diligent and such a great support throughout the process.Thank you for your kind words and recommendation, it really means a lot to us. We’re delighted Bernadine could make the experience such a positive one for you.Best Regards,LowQuotes Team
Christine N.
Christine N.
Wonderful experience dealing with Aoife. Really helpful and professional throughout.
Response from the owner: Hey Christine,We’re delighted to hear about your positive experience with Aoife. It’s great to know she was able to explain everything clearly and support you throughout the process. We aim to make things as smooth and straightforward as possible, so your feedback really means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Patricia M.
Patricia M.
Shaun at low quotes is extremely helpful. He answered all questions and gives great advice to find the right insurance policy for you. Would highly recommend.
Response from the owner: Hey Patricia,We’re delighted to hear about your positive experience with Shaun. It’s great to know he was able to answer all your questions clearly and help you find the right insurance policy. We aim to make the process as smooth and understandable as possible, so your feedback means a lot to us! If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Emily M.
Emily M.
Excellent service, Aoife was so helpful and informative and made the whole process so easy.
Response from the owner: Hey Emily,We’re delighted to hear about your positive experience with Aoife. It’s great to know she was able to explain everything clearly and make the whole process easy for you. We aim to keep things smooth and stress-free, so your feedback really means a lot! If you need anything in the future, don’t hesitate to get in touch.Best Regards,LowQuotes Team
Monica N.
Monica N.
Fantastic service. Got the cheapest quote; so easy to deal with and go through the process for my mortgage protection. Thank you Colin.
Response from the owner: Hey Monica,We’re delighted to hear about your positive experience with Colin. It’s great to know he was able to guide you clearly through the process and secure the best deal for your mortgage protection. We always aim to make things straightforward and stress-free, so your feedback means a lot! If you have any questions in the future, we’ll be here to help.Best Regards,LowQuotes Team
Bartosz B.
Bartosz B.
We had a fantastic experience with LowQuotes.ie. Shaun was absolutely excellent – he took the time to really understand what we needed, found us the best value options available, and explained everything in a very clear and straightforward way. His professionalism and friendly approach made the whole process smooth and stress-free. I would highly recommend Shaun and LowQuotes.ie to anyone looking for great service and peace of mind.
Response from the owner: Hey Bartosz,We’re delighted to hear about your positive experience with Shaun. It’s fantastic to know he took the time to fully understand your needs, explained everything clearly, and secured the best value for you. We aim to make the process smooth and stress-free, so your feedback means a lot to us! If you ever need further support in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team
Hannah B.
Hannah B.
Could not recommend enough. We have worked with both Niall and Colin in low quotes after originally getting a quote from somewhere else and having quite a negative and stressful experience, Niall absolutely put us at ease and explained everything mortgage protection and income protection wise in laymans terms for us to understand. He also worked with us to make an informed decision about what would suit us financially to begin with, with a plan to have another look once weve settled into our new home. Colin then finalised our policy and again made the whole process so easy, especially the medical questionnaire going above and beyond contacting underwriters to ensure we had the best cover. The lads were absolutely fantastic and great craic on top of it 😊 have already recommended to multiple friends in the same boat as us!
Response from the owner: Hey Hannah,We’re thrilled to hear about your experience with Niall and Colin. It’s great to know they explained everything clearly, helped you make the best decision for your situation, and made the process stress-free. We’re especially glad they could turn things around after your earlier experience and ensure you felt supported every step of the way. Thanks so much for already recommending us to others. It really means a lot!Best Regards,LowQuotes Team
Darragh W.
Darragh W.
Aoife was exceptional, very easy to chat to and made the whole process simple to understand. She gave great advice and also went above and beyond to ensure she could work around my own antisocial work schedule. Great customer service
Response from the owner: Hey Darragh,We’re delighted to hear about your positive experience with Aoife. It’s great to know she explained everything clearly, gave you solid advice, and went the extra mile to work around your schedule. Making the process simple and stress-free is exactly what we aim for, so your feedback means a lot to us!Best Regards,LowQuotes Team
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Financial Planning In Your 20s: Foundations and Freedom

Life Events: 

  • Graduating college 
  • Entering the workforce 
  • Moving out on your own
  • Buying your first car
  • Budgeting becomes even more crucial as you balance new income with expenses like rent, car payments, and student loans.
  • Building an emergency fund provides a financial safety net for unexpected expenses, such as car repairs or job transitions, offering peace of mind.
  • Investing in a retirement account early takes advantage of compound interest, setting a strong foundation for future financial independence.
  • Insurance planning is essential, and starting young can lead to more affordable premiums. Key policies to consider at this age include life insurance, income protection, and health insurance. 
  • Debt management strategies help efficiently pay off student loans and credit card debt, freeing up more of your income for savings and investments.

Financial Planning In Your 30s: Growth and Commitment

Life Events: 

  • Advancing in your career or starting a business
  • Marrying or establishing long-term partnerships
  • Starting a family 
  • Purchasing your first home
  • Investing in your career through further education or skill development can enhance your earning potential.
  • Family financial planning now includes managing a mortgage, and ensuring you’re prepared for the costs of home ownership, children’s education, and shared life goals.
  • Comprehensive insurance coverage becomes even more important, including home insurance to protect your property, Income protection to safeguard your assets, mortgage protection and life insurance to protect your loved ones.
  • Retirement planning should evolve with your career growth, increasing contributions to reflect rising income.
  • Emergency fund adjustments may be necessary to account for the potential costs associated with home repairs and maintenance on top of your regular mortgage payments.

Boost your Financial Plan with a Protection Package

Gain immediate access to our comprehensive Protection Package Guide, designed to enhance your financial plan and help you achieve your goals. This guide offers vital tips, step-by-step instructions, and essential strategies for securing your financial future. Don’t wait, download now and start building a stronger financial foundation!

Your journey towards financial freedom starts here!

After you download your guide, one of our expert Financial Advisors will be in touch shortly to provide you with guidance and further relevant information to build you a customised financial plan.

The time to start is NOW!

Our award winning team is always here to help you.

Financial Planning In Your 40s: Reflection and Consolidation

Life Events: 

  • Changing Jobs/Careers
  • Raising a family, with the added complexity of teenage years
  • Possibly caring for ageing parents
  • Sending Kids to College
  • Maximising retirement savings by catching up if you’re behind or maximising contributions as your income peaks.
  • College savings plans for children become a priority, alongside navigating the financial aspects of elder care.
  • Debt reduction, focusing on eliminating high-interest debt and possibly mortgage debt, to free up resources for other goals.
  • You are investing more in your personal health and adjusting your insurance to protect against unexpected health expenses that can impact finances.
  • Reviewing and updating estate plans and wills to ensure financial affairs are in order and aligned with current life circumstances.

Financial Planning In Your 50s: Preparing for the Next Chapter

Life Events: 

  • Children leaving home
  • Preparing for retirement
  • Reflecting on life achievements and planning for the future
  • Downsizing or remortgaging to better align with retirement goals and financial comfort
  • Buying investment property as a means to diversify income streams in retirement
  • Focusing on investments to secure and grow wealth as retirement approaches
  • Retirement planning shifts towards fine-tuning savings and investment strategies for imminent retirement.
  • Healthcare planning gains importance, considering long-term care insurance and healthcare costs in retirement.
  • Estate planning becomes a priority to ensure your legacy and wishes are clearly articulated, including plans for any investment properties.
  • Debt management may involve strategic decisions about downsizing to a smaller home or remortgaging to reduce monthly expenses or tap into home equity for retirement funding.
  • Diversifying income through the purchase of investment property can provide additional revenue streams in retirement, but requires careful financial planning to manage the associated risks and responsibilities.
  • Investment review and adjustment are key to ensuring your portfolio is appropriately balanced between growth and risk, especially as you move closer to retirement.

In Your 60s and Beyond: Enjoyment and Legacy

Life Events: 

  • Retiring from full-time work
  • Enjoying hobbies, travel, and leisure activities
  • Volunteering and mentoring, passing on wisdom
  • Income management in retirement involves strategic withdrawal from retirement accounts, optimizing social security benefits, and managing taxes.
  • Healthcare management is critical, with a focus on Medicare, supplemental insurance, and managing healthcare costs.
  • Legacy and estate management focuses on ensuring your financial legacy is secure and aligned with your wishes, including charitable giving and inheritance planning.

Meet our Team of Expert Advisors

Would you like to speak to an advisor?

Our award winning team is always here to help you,.

Why choose LowQuotes.ie as your financial partner?

Choose us as your financial partner and enjoy the best options the market has to offer.

We work with every lender and provider out there to make sure you get top-notch financial solutions. Our team includes award-winning experts with over 35 years of experience, and we’re proud of our 1,000+ five-star Google reviews. Our advanced software helps us create personalized plans that fit your unique situation perfectly.

Our goal is simple: to go beyond what you expect and build lasting relationships. We value clear communication, honesty, and integrity, always putting your needs first to help you on your journey to financial freedom.

Your Questions Answered

Think of a financial plan as your GPS in the world of money. Whether you’re saving for a car, planning a big trip, or just wanting to manage your bills better, having a plan helps you get where you want to go without unnecessary detours.

The best time to start was yesterday, and the second-best time is now! It’s never too early or too late to get your finances in order. Starting young gives you a fantastic head start, but making a plan at any age can help improve your financial well-being.

You can definitely start on your own by setting goals and budgeting. However, chatting with one of our financial advisors can be a game-changer for more complex things like investments, retirement planning, or tax strategies. We can offer tailored advice and insights you might not have considered.

Life changes, and so should your financial plan. A good rule of thumb is to give it a once-over annually or after significant life events (think marriage, baby, new job). This way, you can adjust your plan to stay on track with your goals.

A financial plan considers the big picture. It covers income, expenses, savings, investments, debt management, insurance needs, retirement planning, and any other financial goals. Think of it as a comprehensive roadmap for your financial future.

Got more questions? Don’t hesitate to reach out to us for tailored financial advice. 

We’re proud to have been featured in Ireland’s leading media outlets, sharing insights on insurance, mortgages, and financial planning.

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Career at LowQuotes

Here at LowQuotes, we want to ensure that our clients receive the highest standard of service.  If you have a passion for connecting with people and aspire to thrive in a culture built on trust, dedication and excellence, please send us your CV below. 

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Coronavirus Covid 19 Information

We would like to assure our customers that although this Worldwide Pandemic has struck our Nation hard, we are still here for our new and existing customers. All phone calls and emails will be dealt with accordingly.

In the unfortunate circumstance that a customer contracts COVID-19 and dies, our life policies would pay out in line with our usual claims philosophy.

All Consultations will be held by Phone or Online via Computer/Smart Device to remove face-to-face interactions and keeping in line with social distancing guidelines recommended by the Government.

We at Lowquotes.ie hope you, your family and your loved ones stay safe & healthy in this time.