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4.9

Based on 1600 reviews

Vivs De La C.

Bernadine provided us with excellent service . Thank you so much. Very knowledgeable, helpful and answered all the quieries raised. Replied promptly to emails and calls. Bernadine is highly recommended.

Leanne C.

Cormac was such a fantastic help in the process of purchasing life insurance he answered all of my questions nothing was too much, he went above and beyond and i am very happy with the experience ive had with low quotes thanks to Cormac

Zaneta R.

We cannot thank enough Tiernan who dealt with us directly for an amazing service and support throughout. I highly recommend their services.

Conor O' D.

We recently had the pleasure of working with Niamh at Low Quite for our mortgage protection, life insurance, and income protection needs. Her knowledge and dedication to finding the best solutions made the process smooth and stress-free. Niamh took the time to clearly explain all the details, ensuring we felt confident in our decisions. We truly appreciated her exceptional customer service and willingness to address all our questions. Thanks to Niamh and the team, we now have peace of mind knowing we are well-protected, and we would highly recommend their services to anyone in need of insurance solutions!

Ivaylo I.

I had a great experience dealing with Cormac from LowQuotes. He was extremely helpful, knowledgeable, and patient throughout the whole process. He took the time to clearly explain all the options, answered every question I had, and made what could have been a stressful process feel very straightforward and manageable. I never felt rushed or pressured, just genuinely well looked after. I’d highly recommend Cormac to anyone looking for honest advice and excellent service.Thank you Cormac!

PAUL S.

Shaun was very informative and helpful, advised me on a lot of things that I didn't know about, so it was easy to ho with his recommendations ⭐️⭐️⭐️⭐️⭐️

Marcello N.

I've used low quotes services to buy my first house in Ireland and I have been amazed by the work of Niamh. I would have never been able to achieve by myself the result of buying a house in Ireland that it's really hard as you all know. She has always been very punctual and precise knowing exactly everything we needed and once everything was good for her standards we never had problem with the bank. For the job that she did and the effort that she put in our practice, the price I paid is nothing. I couldn't recommend them more and I'll use them again in the future if I'd need it.

Zeki K.

Thank you so much Bernadine Day for your help support and professional advice in my mortgage process. From start to finish Bernadine was there every step of the way it could not have been a more smoother process. l could not recommend Bernadine and lowquotes enough. From a very happy and grateful customer Zeki

Avinash A.

We had a great experience arranging our mortgage protection insurance, and Colin Bailey was incredibly helpful throughout the entire process. He guided us clearly through every step, answered all our questions with patience, and made what could have been a stressful process feel very smooth and straightforward.We really appreciated his support, professionalism, and dedication

Michelle L.

My husband and I are first time buyers. We had a really positive experience securing mortgage cover. Colin was so knowledgeable and guided us through the process. Our case was not entirely straightforward from a medical point of view, so having someone on the other end of the phone or advising us by email at every step of the process made it much easier than we had thought it might be! Thank you, Colin!

Marion H.

Aoife was excellent helpful and listened carefully to my requirements and matched with a policy that also will provide an online doctor as part of the package.Thanks so much Aoife

Absolutely professional and friendly service from Cormac Logue. Couldn't have asked for someone better on the other end . A pleasure to speak to

Damien C.

Had the pleasure of dealing with Niamh McCaul. Niamh was very helpful and patient as she went through everything with me from start to finish . Niamh got back in touch very quick with a policy I was happy with. Niamh went above and beyond thank you so much Niamh

Sharon G.

Sarah was very helpful throughout the whole process. She was able to answer all out queries and talk us through how the process typically works. Replies were always very prompt and Sarah made the whole process straight forward.

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

Would you rather speak with us?

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