When to Ask for Financial Advice

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Life events when you should ask for financial advice

Although it’s absolutely true that some things happen unexpectedly, we can reasonably anticipate other events in order to prepare. Life events can have an impact on your finances if you are not prepared. 

For a mortgage 

Whether it’s your first home, holiday home, or part of your retirement plan. Everyone will need to have a plan in place when it comes to getting their mortgage ready. Our visual aids can simulate potential savings plans, income(s) & outgoings to show you exactly when you will be ready (and how).

Having a baby

Having a baby is wonderful but is also often one of the most expensive life-changing events in many people’s lives. It starts with pregnancy costs like exams, vitamins, labour & postnatal care if you choose private care. And all the accessories and products such as nappies, wipes, stroller, Moses basket, bouncer, clothes and etc. If you plan to become a parent at some point, you will need a good financial plan in place. 

For your wedding or a child’s wedding 

The average cost of a wedding in Ireland is €29,812. It is common these days that the cost of a wedding for a child is shared between both sets of parents and the happy couple. If you have more than one child, this could be a very expensive time in your life.

Cost of education 

A lot of children after University or college can be left with large debts alongside their degree, where they have taken out student loans to cover fees or even the parent taking out a loan. In 2022 the average cost of putting a child through third-level education is €60,616 with student accommodation and €61,308 with rented accommodation. It stands at €30,544 while still living at home, which is still a hefty fee to cover. Have a look at our article to know what is the best way to save for your children’s education.

Special Occasion Fund 

For some key life events such as a child’s 21st birthday or your 30th wedding anniversary, you may wish to plan something special. Such as a dream holiday to America for your anniversary or a new car for your child’s 21st. Having a smart savings plan in place rather than saving in a bank will ensure your fund will grow over time.

Business Owners

All businesses big and small go through tough times, especially in the early years. This could cause you to use personal funds to help your business, and in turn, this can put pressure on family life. A solid financial plan can help you create a better future for yourself and your loved ones and ease the uncertainty around your finances.

Low Quotes is the best place to get your financial advice. We are happy to help you design the financial future you want.

Get Your Financial Plan.

We use state of the art online systems, allowing you to visually compare your current future financials and your potential future financials using cashflow planning in your secure portal. Pairing this with award winning financial advisors, you're in good hands.

Google Reviews

Aisling HealyAisling Healy ★★★★★ It was a pleasure dealing with Dylan to set up our family life assurance policy. He was knowledgeable, personable and professional throughout the process and we would recommend dealing with him to friends and family!Majella O DwyerMajella O Dwyer ★★★★★ Bernadine has been fantastic from start to finish with my mortgage application. She was able to assist me with everything that was needed taking a lot of the stress of me.I would highly recommend her and would go to her again in the futureJohn NolanJohn Nolan ★★★★★ Excellent work done by John Dwyer handling my application over the course of a few months. Showed great conversation skills and provided me with helpful and informative information. I could not fault the experience dealing with Low Quotes. They are very good.Akanksha PuriAkanksha Puri ★★★★★ Really quick turnaround, details well explained, seamless process!!Ayman BarakatAyman Barakat ★★★★★ Excellent communication and friendly over phone and email. They provide prompt advices. Would recommendDeclan BarryDeclan Barry ★★★★★ Had the pleasure of dealing with Colin Bailey and he couldn't have been more helpful. Just made everything so easy.marie keoghmarie keogh ★★★★★ Had a brilliant experience with Colin,,he was extremely helpful & put out minds at rest ,,knowing we don’t have to worry about anything,and he went into every detail,,definitely recommend low-quotes,peter gaberapeter gabera ★★★★★ Really professional and friendly approach by Richard Westman. Smooth and hassle free consultation, much recommended.robert whelanrobert whelan ★★★★★ Colin Bailey was great to work with. He made everything easy to understand and was able to answer any of my annoying questions. A very patient guy as when he called I was often in work and did not have the time to talk. We were able to get things sorted rather quickly.Michael HarleyMichael Harley ★★★★★ All good, easy to do business with. Friendly service.Vincent GormleyVincent Gormley ★★★★★ Spent a good quality conversation with Alison Fitzpatrick this am and found her help very precise and informative. The details of new cover plans came down to me immediately. So, all good !N ShawN Shaw ★★★★★ Had a great experience with using low quotes. Bernadine was very professional and competent in her area of expertise. I would recommend this company for financial advice, services and mortgages.Tam SalemTam Salem ★★★★★ Recently applied for life insurance and was dealing with a chap named Richard. I couldn't ask for a more polite and helpfull man to help me through this process and answer any and all questions I had. From my experience I would highly recomend them.Muhammad Asif SiddiquiMuhammad Asif Siddiqui ★★★★★ Shaun young is really a nice guy to talk with and very clear in his communication.Response from the ownerHi Mohammad, thanks for your fantastic 5-star review! Your satisfaction is our priority. We hope to assist you again soon. Lee McCallionLee McCallion ★★★★★ I couldn’t rate Low Quotes more highly for their excellent customer service, Richard Westman made the process very easy.Breda AtkinsonBreda Atkinson ★★★★★ We dealt with Alan from low quotes to organise our policy and put it in place. I cannot recommend Alan enough. He was so patient and helpful every time I called. His knowledge of the business is unbelievable. Alan guided us through every step so professionally and patiently. I would highly recommend Alan to anyone looking to setting up a policy. Low quotes is very lucky to have him as an employee. Thank you for everything Alan.Damien ColemanDamien Coleman ★★★★★ Richard was so nice to deal with. He’s a true gentleman.The entire process was very easy from start to finish. We would definitely recommend this company to look after your life insurance needs.chathu jayalathchathu jayalath ★★★★★ Excellent and Efficient service received from LowQuotes.ie and special thanks to staff member Colin. Highly Recommend.John O'MearaJohn O'Meara ★★★★★ Dylan spent the bones of a couple of hours over two days going through, advising, and then setting up our new policy. When setting up first time with a previous broker some year's back, I thought "Why are my paying this?" Dylan went through this thoroughly. It's something that should not be ignored.There was nothing not covered by Dylan. All questions were answered. Happy I switched.Des DooleyDes Dooley ★★★★★ I can highly recommend low quotes and in particular, Richard Westman. He was an absolute pleasure to deal with, he was so approachable and friendly. His professional approach throughout the whole process was flawless. He answered all my queries promptly and efficiently. He explained everything to me so that I clearly understood what I was signing up to. I got the best policy suited to my needs thanks to Richards advice and knowledge.Excellent service that I have already recommended to friends and family.Thanks again RichardDes DooleyBallon Business & Training Centre BallonBallon Business & Training Centre Ballon ★★★★★ Richard Westman was a great help to myself and my family.He saved money for us on the policy we were already signed upto and got a far more superior policy in place. Thanks again Richardbernie kerinbernie kerin ★★★★★ First time contacting this company Shaun was the person looking after my enquiry He was professional and very informative Based on my responses he organised my health insurance promptlyI will definitely recommend to others.marzmarz ★★★★★ Easy and fast way to getquotes. Great designed website.Rachel CrossRachel Cross ★★★★★ Great experience with low quotes for our Life Insurance requirements. Colin was very helpful and guided us through the whole process.Response from the ownerThank you for taking the time to leave a review, Rachel! We're thrilled to hear that Colin was able to assist you with your Life Insurance needs. We're here to help every step of the way! js_loader
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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.

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