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When to Ask for Financial Advice
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Philip Keane
Eimear Dunne
Maeve Jaffrey
Michael Joyce
Aoibheann Byrne
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.
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11:22 06 Jun 23
Colin was absolutely professional, kind, patient and honest. I was worried whether I will get a cover that I and my partner can afford but Colin made sure to be absolutely honest with what was the right and affordable choice, which mad a massive difference. I absolutely recommend!!!Thank you for your help,Gaela
Neasa N
09:21 03 Jun 23
Very professional and helpful. Had a great experience and I would recommend to everyone. In particular Colin who i dealt with was lovely and he made the whole process very easy and enjoyable from beginning to end. He was fantastic and he is an asset to the company.
Donna Sheridan
12:11 02 Jun 23
Just recently signed up to life insurance with Richard who talked through it all with me until I fully understood everything. He suited the policy to my needs, I would recommend Richard to everyone he was so patient
Kieran Moroney
09:49 02 Jun 23
I was very happy with their service. They were nice and got back very fast with the best quote and helped me through the entire process. would definitely recommend them again.
Dan Burke
12:37 01 Jun 23
Shaun is an excellent rep to deal with explains all the options thoroughly and clearly.
James Newton
12:26 01 Jun 23
I found LowQuotes very helpful and their products saved me money. Customer services were also excellent.
Darragh Hall
20:49 30 May 23
Was dealing with Dylan C who was helping me with mortgage protection. Absolute gent - so helpful and friendly and answered all my questions; nothing seems like too much trouble.
Evan O Donovan
14:12 30 May 23
Delighted with the service from the Mortgage team. Thanks to them I was able to go from from Approval In Principal to Keys in hand in a few weeks
Marius Petcu
07:27 30 May 23
Would definitely recommendVery helpful and easy to deal with
Andrii Kryzhyk
19:17 29 May 23
I needed a new insurance policy and Colin did a fantastic job at getting the best deal very quick and with minimum amount of hassle. Throughout the process he was very responsive and it was a pleasure to deal with. Great service! Definitely would recommend it.
Martin O'Halloran
20:57 26 May 23
Had a good experience going through details very helpful worth the timeThanks Dylan
Viviana Capicotto
17:55 26 May 23
Happy
Muhammad Asif Siddiqui
13:11 26 May 23
Shaun young is really a nice guy to talk with and very clear in his communication.
sinead cronly
14:45 25 May 23
Thank you very much Richard for your more than helpful information. You made the process prompt and easy to complete, a wealth of knowledge in your field. Highly recommended.
james keegan
14:37 24 May 23
Great to deal with I would definitely recommend them to anyone 👍
helen flynn
10:22 24 May 23
Set up mortgage protection in a very easy and efficient way with Richard.
Eamonn Nicholas
19:16 23 May 23
Colin was excellent to deal with - very good customer service 👍
Rachel Sheedy
12:24 22 May 23
Dillon was exceptional to deal with and answered every question I had. Delighted to have sorted my mortgage protection at a great rate 👍👍
Sean Daly
16:00 19 May 23
Very please with my cover got best price and very quick good quality service fast effective thank you to Richard Westman 10/10 service
dil dil pakistan
13:20 19 May 23
Excellent service provided by Richard will recommend any one looking for life cove ask for Richard and he’ll give best and cheapest quote for insurance!
Ashiline Finnegan
10:08 19 May 23
I was very happy and my questions were answered. I have already recommended to my family about this company. Thank you.
Paul McLaughlin
09:32 19 May 23
They made the whole process much easier and were very helpful, acted as a much needed barrier between us and the lender, for stupid questions and advice. John was a very patient and friendly guy, had plenty of laughs and felt the frustration from the lenders delaying tactics with us and we had him on the phone almost every day. I've already recommended to friends looking for mortgages and I know they're having a positive experience with them aswell. Much appreciated John, look forward to dealing with you again in the future.
International Recruitment and HR Consultants
10:11 18 May 23
Very Professional and prompt
Laura Lynskey
15:51 16 May 23
We would 100% recommend low quotes. A very special shout out to Helena and Bernadine who both put in a lot of time and energy into helping us resolve so many problems we had with taking out our mortgage. Helena was on the other end of the phone whenever we needed her and is excellent at her job. Bernadine took the time to step in while Helena was away and got us over the line. 5 star guidance and commitment throughout. We couldn't have done it without them!
Shiji Mathew
11:24 16 May 23
Great service provided by Richard westman !! Efficient work, will definitely recommend to my friends and family.
Jasmine Kelly
10:18 16 May 23
Friendly helpful staff.Thank you.
Norb Seage
16:36 15 May 23
Fast and custom quotes with helpful advisor
Lynne Fitzmaurice
14:39 12 May 23
I enquired online for a new life and critical illness policy and received a call from a lovely lady called Claire. From the 1st minute she explained everything in detail and we are so relieved to have plans in place - will recommend her to everyone.
Olivia Riordan
08:14 12 May 23
I dealt with Richard today from low quotes with life insurance he was extremely helpful and made it incredibly easy with filling in forms and suiting my budget an needs he explained everything perfectly and very easy for me to understand so thank you Richard
Mikolaj Kukialka
16:21 09 May 23
Spoke to Alan and he was really helpful. Sorted everything out really quick. Definitely recommended
patricia lehane
14:50 09 May 23
So easy to deal with. Very friendly and accommodating. Follow up calls, answered email…. Niall was brilliant.Made the process very simple.
Noel Fleming
10:12 09 May 23
I dealt with John and had a very good experience. Went from AIP to having a home in around 2 months. Would highly recommend.
Nuala Delaney
22:03 08 May 23
Just closed on a house sale today, Bernadine guided me every step of the way. Couldn't have done it without her guidance and her patience. Always thankful. Highly recommended for first time buyer who needs the professionals to smooth the process.
Dominic Falvey
10:47 07 May 23
Very helpful & friendly when setting up both income and mortgage protection. Would recommend
Jon Hurley
08:49 06 May 23
Advised LowQuotes I was unhappy with the renewal cost of my health insurance for my family, their advisor Shaun came back with equivalent cover with a reduced cost and explained the plans in detail. Would highly recommend LowQuotes to anyone looking to obtain value for money.
Ashley Ghoora
14:05 05 May 23
I have to say Colin Bailey was great dealing with. He couldn't be any clearer in explaining the in and outs. LowQuotes must be proud having him onboard. Best quote you can get from LowQuotes.Colin you are a great lad, keep it up and thank you again for sorting us out so quick and efficiently. No better man.
John O'Gorman
12:26 05 May 23
I thoroughly recommend LowQuotes. Special shout-out for Bernadine, who put a lot of time and energy into resolving my complicated financial requirements. Top class committment and guidance throughout. 5 Stars. Many thanks.
Stephen Doak
08:01 05 May 23
John was a great guy to deal with and sorted us out!
Kieran Boyle
18:40 04 May 23
Brilliant service from Richard.Very professional and a pleasure to deal with.Stella and David boyle.
Andras Gombosi
14:45 04 May 23
Getting mortgage protection from LowQuotes was done in a few hours without any problems, our case has been dealt with in a very professional manner. In comparison, one of the incumbents on the market wanted to charge us around 50% more for the same protection, and were only ready to take my money within 5-7 working days.
Andy Walsh
15:52 03 May 23
John was an absolute gentleman to deal with , took his time to explain everything to me and answer any questions I had 🙌
Eoin Miller
14:34 03 May 23
Helena was fantastic, precise and was very warm and friendly.
Luiz Bim (Guto)
10:11 03 May 23
Great prices, very helpful support.
Maria Donnery
15:12 02 May 23
Shaun called me after I applied for a quote online and he was so helpful and informative. He took his time to go through everything with me and was just lovely and pleasant to deal with.
Peter Smrek
17:31 01 May 23
Very professional and very helpful in every step of mortgage approval. Quick response all the time. Couldn't recommend enough. I was personally dealing with Bernardine and it was a pleasure. Thanks a lot.
Mary O'Neill
11:15 29 Apr 23
Very easy to use. gives you up to date quotes and saves time
Libby Curtin
14:23 27 Apr 23
Had an agent by the name of Richard he was absolutely brilliant and so helpful he took his time explaining everything to me and made sure he had the best plan in place for me and my son Jacob amd had no problems answering my questions would definitely recommend highly 😀 👍
William Barry
09:17 27 Apr 23
very fast call back, salesperson Eimear was clear and pleasant
Linas Motuza
20:23 26 Apr 23
Perfect
Simona Motūzė
13:01 26 Apr 23
100% would recommend it to anyone.
Grace Mcmahon
21:12 25 Apr 23
I’ve dealt with Clare on 2 occasions recently. The service is excellent, informative and very efficient. Would highly recommend to others.
Michael Macken
10:28 24 Apr 23
Amazing people here. As a first time buyer I had no idea of how hard the mortgage process was going to be but they told me what I needed to do and what was going to happen every step of the way. It was a long 11 months with a few bumps along the way but they were with me explaining what was happening and what I needed to do. A big thanks to Niamh and Bernadine for getting me into my house. Thanks again.
Lorrayne Thomas
09:59 24 Apr 23
My experience with LowQuotes was that of total satisfaction. It was a very easy process from start to finish as John Hourigan helped me through the process with excellent advice my Life Insurance policy. The service is very prompt and efficient.I would highly recommend and would consider taking up business with this company again.Kind regardsLorrayne Thomas
mag clarke
21:13 21 Apr 23
Very nice guy on d phone and very professional and helpful forgive me can't think of his name 😂
Colm Murray
15:57 21 Apr 23
Recently took out life assurance with LowQuotes and was really impressed with them. Richard in particular was exceptional to deal with and advised me through every step with good advice. I felt like they were not just there to do a transaction but to offer the best support to help make the right decision- big thank you to Richard. I would recommend LowQuotes to anyone considering life assurance - a really professional outfit.
Dermot Cullen
11:38 21 Apr 23
I spoke with Shaun and had everything sorted in a day ! Excellent service. I got the policy best suited to my needs for my current circumstances. Quick and easy with minimum fuss. I would highly recommend as I have made real savings but still have adequate health insurance to cover my family.
Tracy Curran
10:24 21 Apr 23
My advisor was very informative and polite from start to finish. He had great knowledge of your products and what best suited me.
Nadine dargle
17:16 20 Apr 23
John was lovely to deal with very helpful had great advice.
Hannah Gibbons
09:06 20 Apr 23
Niall was excellent went above and beyond helping us. Thank you
Graciela Poposka
16:47 17 Apr 23
Highly recommended my broker Bernadine Day, she is very professional and helped me to get my mortgage completed very fast. Excellent experience with this company.
Ciara Byrne
16:41 17 Apr 23
Bernadine was a massive help throughout the mortgage application process. We can’t thank her enough for guiding us through every step and making the whole process a lot more straight forward.
Sue Foley
09:33 17 Apr 23
Alan was brilliant to deal with! Made the whole process easy and stress free! Can’t fault him at all!
Eddie Condon
10:48 15 Apr 23
Great advice and help from Richard in sorting life insurance and illness cover. Would recommend low quotes to anyone for insurance. Great piece of mind to know we have what we need in place for a good price.
Catriona
11:10 14 Apr 23
Bernadine was brilliant to deal with, she made everything so easy, was quick to respond to all my questions and was so helpful and patient along the way. Every step was explained and no question was too trivial. Would highly recommend Bernadine and lowquotes for anyone looking for a mortgage advisor.
Narcisa Pantaleon
10:55 13 Apr 23
Richard Westman @ Lowquotes- professional, efficient and easy to deal with. Happy to recommend.👍
Kevin Moran
16:00 12 Apr 23
Fantastic help with the whole process
Katrina Doyle
09:39 12 Apr 23
John was extremely helpful and efficient.. everything was done quickly and painlessly for me ..
Fiona Lynam
17:37 11 Apr 23
I filled out an online form to get a quote for mortgage protection and Helena made contact within a day. She went through everything with myself & my husband over the phone and got the best deal for us - saving us €24 a month! It was all sorted & new policy in place after three phone calls. Excellent service - would highly recommend
Devon Flanagan
13:55 11 Apr 23
Eimear was extremely helpful and offered a great service!! I would highly recommend Low Quotes!
katie lee
17:09 07 Apr 23
I had the pleasure of working with Bernadine in low quotes to get my mortgage for my first house. She was so helpful and professional, Bernadine was able to help me with every question or query I had. She explained everything to me in a way that I would understand and not leave me questioning what was the next step. I cannot recommend lowquotes mortages enough! I had a brilliant experience from day one , up until got me keys. All of the staff was so friendly to deal with, thank you again!
laura t
17:16 06 Apr 23
Claire at LowQuotes was great to deal with! Really friendly and took the time to explain everything clearly and called us a few times to keep us up to date! Would recommend
Patrick Cull
15:16 06 Apr 23
Excellent experience, Claire was very friendly and knowledgeable, and had our insurance setup the same day. Thanks very much!
Mairead Toomey
15:15 06 Apr 23
Very professional, quick and easy to deal with, would recommend
DOUGLAS TORMEY
13:29 06 Apr 23
Very happy with the professionalism and knowledge of Niall he was extremely helpful with all my queries and answered them all swiftly. Lowquotes are lucky to have Niall on their team.
Sinnott Tina
14:35 05 Apr 23
I found Alan from Low Quotes professional, friendly and most helpful in finding me the most suitable cover for my family
Ola Wilson
14:08 05 Apr 23
We have received Top Service from Maeve regarding our Mortgage Protection policy and we highly recommend her.
Sue Walsh
09:34 05 Apr 23
Great, fast and efficient service! Claire was just lovely from start to finish when arranging our life insurance policy. Niamh was very informative when I made all initial enquiries. Was as good as a face to face chat and really explained the whole process without any pressure whatsoever. #goteam!Would highly recommend 😊😊😊😊
luke c
14:00 04 Apr 23
I was dealing with Richard Westminster I couldn't have been happier with the service when talking with him on the phone he explained all the details of my plan and what I needed in terms that I could understand very down to earth I would definitely recommend him I also had to contact him a week later with a follow-up question you can get him on his direct line and he death with my query that day ...very happy customer 5 stars
Rebecca Doorley
11:22 04 Apr 23
Quick and easy to deal with. Richard was very helpful
edwina doran
20:35 31 Mar 23
Great customer experience!!! Richard from low quotes really gave the expert advance I was seeking in arranging my life assurance cover.Very efficient, honest and realistic with no time wasting suggestionsWould highly recommend
Brendan Molloy
15:58 31 Mar 23
Dealt with Alan, very nice guy to deal with and the level of service was fantastic 👏
James Doran
12:30 31 Mar 23
Top class and very professional. Eimear was so helpful and explained everything very clearly. Very easy to deal with, would highly recommend this company.
Sandra Nugent
11:47 31 Mar 23
Loved dealing with Michael, fast and very efficient process. Thanks
luna doran
15:22 30 Mar 23
Good quotes, good communications
Your award winning
Helping you design
the future you want.
Building a strong relationship with our clients throughout their lifetime is our core value.
We believe it’s essential for every aspect of a clients financial outgoings be planned & managed carefully such as cashflow, mortgages, protection, retirement & investments.
This ensures a clients financial goals can be effectively met.
If you have a specific requirement in mind – we also have specialist advisors in each financial product willing to assist you.
