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4.9

Based on 1566 reviews

nichola D.

Bernadine has been brilliant from start to finish. During the process of switching our mortgage we gave birth to our son and Bernadine was excellent no stress was so straight forward. Can't recommend enough

Sabrina S.

Bernadine, is a lovely lady to work with. I really appreciate her help. And made the process very smoothly. Made the experience for me less stressful .I can't recommend enough. Thanks again Bernadine 🙂

Carlos E O.

I would like to express my sincere thanks to LowQuotes for all the assistance with changing my mortgage and insurance. I wish to give a very special mention to Tiernan B., who was extremely professional, very attentive, and always patient with me during the whole process. His guidance made everything much easier, and I truly appreciate all the support.

Hugh O.

From day 1, lowquotes have been great to work with. Always willing to answer the phone and talk through any details and offer guidance along the way. Niamh, in particular, was outstanding. Absolutely recommend anyone to go through lowquotes.

Julia B.

Sincere thanks to Bernadine Day for her support and assistance. Because of her help all the process was clear, easy and stressless. Highly recommend LowQuotes, they will do their best for you.

Ralph V.

Cormack has been very helpful throughout the process. He has explained every details to us which made us understand the life insurance and mortgage protection.

Janet C.

I had the pleasure of dealing with Aoife in relation to Income Protection and Serious Illness cover. Aoife was so thorough on the call and explained everything in detail and provided a range of options that may have been applicable. Aoife made the process so easy. I’d highly recommend Aoife for any future policies you may have.

Tina A.

Cormac Logue was an absolute pleasure to deal with. He made buying our policy so easy!

Bill K.

Cormac Logue was extremely helpful, informative and very friendly. He made the whole process very easy. Would highly recommend.

DiDi

We had the pleasure of working with Rebecca for our mortgage protection, and we couldn’t have asked for a better experience. She was incredibly kind, patient, and genuinely helpful throughout the whole process. Rebecca took the time to explain everything clearly, answered all of our questions, and made what could have been a stressful experience feel simple and straightforward.We are really happy with the service and would highly recommend it to anyone looking for mortgage protection advice or support.

Walter H.

Really high quality service provided by Aoife Morgan. Very clear, very helpful and personable. I feel like Aoife helped us get the best policy for us and made a complicated process quite simple. Thanks Aoife and LowQuotes!

Sinead W.

Cormac was very professional and helpful with my insurance policy.He really went over and beyond in ensuring I could get best possible policy to suit me.I could not recommend him enough for all he done for me.

Jackie Mc D.

Really helpful took his time giving me all the details and helping me pick the better option. I wasnt rushed in to anything and follow up calls where made at the time given very nice and well spoken gentleman. Thank you for taken the time to speak to me.

michael B.

Cormac logue was very professional and very helpful, thanks Cormac

Rachel L.

Colin was a fantastic help. He made the whole process painless. Would highly recommend their services.

Josip P.

We will always be grateful for all Bernardine has done for us getting over the line securing our forever home. She was there for us every single step and super easy to deal with. True professional full of experience and amazing human being. I would absolutely recommend Bernardine to anyone looking to start journey of buying home, one thing I know for sure we wouldn't do it without her. Bernardine huge thank you again from our little family

Jenny C.

Cormac is very helpful. Was straightforward over the phone application. His explanation was clear and simple.

MaikeL

Really happy with the service and help from Tiernan. He was so helpful from finding a bank to closing deal on buying an apartment. Would definitely recommend LowQuotes and Tiernan to anyone

Grace Mc C.

Well wow what can I say,I have never ever dealt with any insurance companies that have ever given me the experience I had with low quotes.i dealt with seamus phelan and from start to finish this guy was amazing he was on top of his game.i felt so comfortable and I felt like he related to everything we spoke about.such an amazing guy working for such a fantastic company,people like him who work for such big companies are few and far between.low quote you got an amazing worker there,companies need more people like him I'll be 100perc returning again on renewal to the.thqnk u so much shamus and low quotes.id 100per recommend them and if ur feeling over whelmed deal with shamus he will make you feel very at ease.

What we provide

Personal Pensions

A personal pension is a pension held in your name. Unlike a company pension, where your employer can contribution to your pension, only you can make contributions to a personal pension. Fully flexible payments and tax efficient. Wide range of investment options available. Primarily suited to those who are self-employed.

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Personal Retirement Savings Accounts

Perfect if you don’t have access to a company pension scheme, fully flexible payments and tax efficient. Wide range of investment options available. Available for those working for a company or self-employed.

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Pension Reviews

A pension review will assess if your fund is performing as it should be, assessing your other tax efficient pension options or if you are overpaying on fees.

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Pension Top Ups (AVC)

Top up your pension with tax-efficient Additional Voluntary Contributions (AVCs).

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Executive & Director Pensions

Pension plans tailored specifically for business executives & directors, with a focus on tax-efficiency and minimal fees.

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How We Can Help

Reduce your tax using effective pension planning
Review or combine multiple pensions
Top up existing pensions
Set up a new pension in Ireland
Extract wealth from your business tax efficiently
Assess whether you're eligible to retire early

Meet Our Team Of Expert Advisors

Claire Clohessy

Financial Planning Team Leader

Niall Daniell

Financial Planning Department

Aoife Morgan

Financial Planning Department

Cormac Logue

Financial Planning Department

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Our aim is to ensure the entire process is simple & stress-free no matter what your requirements are.
Our financial planning team are here to help you plan your retirement with confidence.

Your Questions Answered

What is a pension?

A pension plan is a longterm investment savings plan that helps you put something aside for your retirement. A pension plan enables you to pay regular tax-friendly installments or move one-off lump sums into a fund available to you on retirement. The amounts saved into your pension are called ‘contributions’

Why take out a pension?

We’re living longer than previous generations. Upon retirement, on average we will have 20-30 years of retirement. A pension plan will make sure you’re financially sound for these years. Whether you wish to travel, retire to the country, or spend time with your children & grandchildren.

What's the right time to start a pension?

As soon as possible. The money that you pay into your pension grows over time. It’s quite simply Time x Money. The sooner you start paying in; the more money will be available to you upon retirement.

How much will I get when I retire ?

The amount you will receive per month entirely depends on how much you’re willing to pay per month, the length of time you’ve been making contributions, the type of pension plan and its investment return. You can also choose to receive a lump sum upon retirement or not.

What about state pension?

As of 2025, the maximum State Contributory Pension is about €289 per week. For most people, during their 20-30 years of retirement, this simply isn’t enough. When you pay into a pension plan, you will receive both the state pension (If available to you) and your Pension Plan.

How does tax relief work with a personal pension?

Tax relief reduces the actual cost of your pension. You do not have to pay tax on money that you put into a personal pension (This falls within the limits set out below). This is calculated at the highest rate of tax you pay (Currently 20% / 40%)

Example:
Monthly contribution = €100
Tax Relief (40%) = €40
Cost to you = €60

What if I become ill and need to retire?

If you have to retire because of medical reasons and you get Revenue approval, you can receive your benefits from your Pension immediately.

What if I pass away before I retire?

If you unfortunately pass away before you retire, your Pension will be paid to your estate.

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

As seen on

Do You Know What Happens to Your Private Pension Plan When You Die?

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For press, marketing, or partnership enquiries, please reach out to our Media & PR team.

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.

Get Your Pension Quote Today!

What we provide

Personal Pensions

Personal Retirement Savings Accounts

Pension Reviews

Pension Top Ups (AVC)

Executive & Director Pensions

How We Can Help