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Reviews
Richard Westman was my first point of contact with lowquotes.ie, and as my advisor, I found Richard to be very professional and tremendously helpful. His attention to detail and personable manner helped solidify my decision to avail of lowquotes.ie to assist me with my personal finances.
David Grace
23:33 25 Nov 21
I needed Life insurance for a mortgage and had no clue about how to go about it. Damien got in touch when I did an online estimate. He was the most helpful person I have ever dealt it! He is very professional with great communicative skills. He was so responsive, by both phone and email. I can't recommend dealing with Damien enough! Such a relaxed and friendly manner. I would use Low Quotes again because of my positive experience with him. We definitely need more Damiens in these positions!
Siobhan McKenna
18:43 23 Nov 21
Excellent service and advice provided by the team at LowQuotes.ie
Jonathan Carter
15:49 22 Nov 21
Absolutely fantastic service form Bernadine and the team at LowQuotes. My wife and myself couldn't be happier with how things went. 5 stars!
Floyd Jackson
11:20 18 Nov 21
Brilliant service. Damien who I dealt with couldn't have been more helpful.
Keith Gavin
20:35 17 Nov 21
Damien was amazing, helped to find the best insurance options for us. Was extremely helpful and friendly.
Alona Babahina
01:31 17 Nov 21
Just got my insurance sorted by Alan found him very helpful and very pleasant to deal thank so much highly recommend him .
Sharon Mc grath
13:16 15 Nov 21
Excellent service, always very helpful and responsive. I purchased mortgage protection from them and I have to say that they are fully deserving of their 5 star rating.
Vincent O Brien
13:02 15 Nov 21
Fantastic experience from start to finish. So very helpful on every aspect of the process. If you are purchasing for the first time like us, it's very reassuring to have some guidance. Our broker Bernadine was absolutely great.
Paul Walsh
22:21 05 Nov 21
Great to deal with. Got exactly what we needed at a very competitive price. Damien was great to work with!
Katie Glacken
16:14 04 Nov 21
I ran into Low quotes via daft.ie beginning the journey of home ownership in Ireland. The fun that is at this moment in time. I was dealing with Richard Westman. First thing that I liked, the time I was called. Like many I am working from home and the 9 to 5 period can be difficult to get. I was called in the afternoon I said I was interested, while also reaching out to several banks. Being first did irk me and the speed, suspicious. But speaking with Richard, and maybe being a bit more traditional I wanted more time.I heard from 1 Bank. Not even the bank I currently bank with have gotten back to me as of writing.Richard however, had been forward, attentive, understanding and a pleasure to speak with on the phone. No pressure, and giving me the lay of the land before allowing me to make decisions. I prefer an upfront and to the point chat.So I want to thank Richard, and his team, and Low Quotes for all the help and guidance so far. I am truly impressed.
David Mc Grath
20:02 03 Nov 21
Jason was really good
Gbade Rosiji
11:46 02 Nov 21
Very professional advisor, great life insurance package for your needs.
Zsazsa Gál
17:54 01 Nov 21
I spoke with Jason Greene and he was more than helpful and informative and just a really n weice guy to deal with. Very friendly and explained everything in detail. I would definitely recommend.
Karen Curley
10:24 31 Oct 21
Cant not compliment enough! From online to the call with Damien, the process was quick and easy but met my needs perfectly. Would highly recommend
Sorca
11:53 29 Oct 21
John H was an absolute pleasure to deal with. We had an admittantly less than straight forward mortgage insurance application with a few unforeseen hurdles that we needed to navigate and John was patient helpful and reassuring throughout. He even dropped a line on the day of our closing to see if everything went OK. Great customer care. Highly recommended. Thanks John.
Denis Fahey
09:34 29 Oct 21
Great team and great customer service. Very fast and gives you the best basis your requirements.
Sagar Kurpe
09:17 28 Oct 21
Alan from low quotes was fantastic, found the perfect policy for me , an make it quick an easy to sign up so professionalThank you 😊
Donna Geoghegan
14:11 27 Oct 21
Had the pleasure of speaking to Jason Greene today such a lovely lad, he went through everything today made sure I understood everything any questions I asked he had the answer. Made sure to find something in my price range for life insurance and I feel great now knowing I’m covered. Jason is a credit to this company such a lovely professional advisor.
Charlene Condon
14:29 26 Oct 21
John the agent was so quick , explained the policy in detail , most important quick dealing with my policy looked for quotes from other companies and am still waiting to hear .
Julie Vaughan
14:46 22 Oct 21
Dealt with Alan while researching my insurance and found him very helpful and informative.
Eamonn mordaunt
12:18 18 Oct 21
Jason Greene was very helpful and found a good deal for us.it was very easy to get life cover which we though would be difficult process to go through.Thanks again low cost team and Jason GreeneThanks again
Baqar Alam
17:22 15 Oct 21
Your employee Jason Greene was Very very helpful and everything was explained very well..thanks..
mark stapleton
14:36 15 Oct 21
I found Jason Greene to be friendly, helpful and professional. I'm very happy with the service provided. I would highly recommend low quotes to my colleagues!
Carol Carmody
10:19 15 Oct 21
Top class service from Jason Greene.Jason made the whole process of getting mortgage protection simple, stress-free and incredibly convenient by agreeing to speak to me at a later time of 7pm so that I could work it into my busy working schedule. Not to mention he saved me €180 compared to other quotes I recieved from different providers. Highly recommended!
Bren Garvey
18:40 14 Oct 21
Very good ..
sherry rajan
18:00 06 Oct 21
Quality Professional service provided by Jason Greene
Ita Kavanagh
15:47 30 Sep 21
Dealt with a lovely guy Jason greene he was so helpful and explained any questions I had really took time to consider my situation and got me sorted with the right policy for my needs. Super customer service and very professional 👏 👌
carrie mclawrence
20:47 28 Sep 21
I have had the best experience with Low Quotes. Bernadine Day based in Portlaoise guided me through the entire process. Always available to take my calls and explain, what can be a stressful and confusing process, to me in a calm manner that allowed to trust in the process & her as my broker. If everyone of Low Quotes financial advisor are as good as Bernadine, you'll have a fantastic team. Highly recommend.
Tom Proctor
15:48 28 Sep 21
I dealt with Ciaran, so helpful and an effortless transaction. He was very helpful. Couldn’t recommend him enough.
Zena Barrett
14:01 27 Sep 21
Alan was very good in explaining the procedure step by step and was very helpful and convincing. Keep up the good work
Bijo Varghese
14:25 24 Sep 21
We had a bit of a special case and it was handled by Ciaran really well, especially as we could compare to the other supplier, who is still tied in a knot. Many thanks!
Vladan Milosevic
10:57 20 Sep 21
John was really helpful and went over and above to help. We now have the cover we need in place so we can proceed with our move. Would highly recommend the team and would deal with them again.
Margaret Greene
14:16 17 Sep 21
Had to get life cover sorted quickly for mortgage. Dealt with ciaran from low quotes, who was brilliant to deal with. Fast, knowledgeable and efficiently processed the policy within 24hours. Very helpful and informative about products and choices. Has been a joy to deal with and would highly recommend.
Kennedy 087
22:28 16 Sep 21
Ciaran made our mortgage protection process straightforward and stress free, he gave us a competitive price available and got the policy in 3 days after signing the online declaration. Definitely recommend.
Brenda JB
16:21 08 Sep 21
I dealt with John and not only was he very professional, informative and helpful, he also made the process very easy. I highly recommend not only John but Low Quotes Insurance themselves.
Fiona Mulhall
14:39 08 Sep 21
I initially took out my mortgage protection with low quotes and they were extremely helpful,I have since returned and taken out a life insurance policy and again absolutely brilliant friendly helpful professional service
Alan Earls
13:12 08 Sep 21
We worked with Bernadine and we will happily recommend her and her team to everyone. She sought out the best deals for us, was very patient and efficient throughout the process.
Lekan Agunbiade
01:34 06 Sep 21
Alan was a pleasure to deal with. Very friendly, professional and helpful. I would recommend their service
Richard Garry
15:09 03 Sep 21
Thank you to Alan Broderick who made process of finding new life insurance policy simple. Alan is very professional, patient, friendly and clear in explaining the details.
Bernie Brady Gormley
17:22 01 Sep 21
Would highly recommend. We dealt with Bernadine who made the mortgage journey smooth at all stages. She really made the work load as minimum as possible for us. She helped in all sectors with insurance and connecting us to the solicitors aswell as dealing with the bank. The hours of time Bernadine saved us is priceless and it took so much stress of the journey or purchasing a house. Thanks for everything again.
Daniel-James McCormack
19:32 30 Aug 21
I found Ciaran from LowQuotes.ie extremely helpful through the whole process of getting our Mortgage Protection. He was happy to answer any queries we had and was so efficient in organising our Mortgage Protection as quickly as possible for us. We would highly recommend.
Tara McNally
16:20 30 Aug 21
Bernadine is a professional and has a wealth of knowledge across the broad spectrum of the business. Bernadine has been there from the start and throughout the process, assisting with mortgage application, insurance and indeed everything related. Goes well beyond the extra mile. Bernadine is proactive, extremely knowledgable, patient, helpful, supportive, motivating and kind, whilst keeping an sense of humour! All strong qualities. Bernadine is also generous with all of the relevant information. I strongly recommend for mortgages and insurance. Extremely grateful for all your help and a big thank you. J
J P
16:34 25 Aug 21
I purchased mortgage protection through LowQuotes.ie and not only did I get a good price, I also found their online service simple and quick to use with great customer service over the phone when needed.
Russell Corley
10:56 23 Aug 21
I could not recommend Bernadine more- she went above and beyond for us in every aspect from beginning to end and nothing was ever too much trouble! So quick to respond, professional, efficient and an absolute pleasure to deal with. We would have been lost without her!
Louise Murtagh
19:30 20 Aug 21
Perfect service. Bernadine helps us a lot in mortgage seeking and insurance. We wont get our AIP, loan offer such quick without her help. Insurance plans are also best suitable for our case. Highly recommend! Thanks Bernadine. Kind Regards, Lin & Han
Stella
19:10 20 Aug 21
Great experience with Shane, no pushy sales lines and advised me very professionally.
Damien Oneill
18:40 20 Aug 21
Fantastic service! Alan was super friendly, attentive, professional and just a genuinely nice guy who was able to answer all my questions and queries! Thanks again Alan!
Shaunie Mirasol
16:15 19 Aug 21
Great service and extremely helpful.thanks Alan Broderick.
Eamon Kelly
16:12 19 Aug 21
I dealt with Alan Broderick and he was more than helpful. Great service. Thanks for all the help Alan!
Zlatka Zhivkova
21:24 16 Aug 21
Nothing is too much bother for John. He goes out of his way to help on a very difficult and challenging journey. John makes the whole experience feel less daunting. I would highly recommend John and will be recommending him to all I know on their mortgage journey for insurance.
Emma Sheedy
08:59 12 Aug 21
Great experience with Alan, highly recommend.
Sean Doak
15:13 05 Aug 21
We had Alan as our consultant. No words how pleasure and helpful he was. Good price and easy to deal with. 100% recommend.
Edy O
16:05 31 Jul 21
Great response from LowQuotes.ie..As soon as i enquired, about a term insurance, i got a call back and Mr Alan helped me through the process.. he made it feel like its quick and easy.. Thanks LowQuotes team..
Feny Babu
12:48 30 Jul 21
Did an online quote for Mortgage Protection and got a call from Alan. He explained & quickly ran through the process, making changing providers, especially if associated with a mortgage very simple. Would defintely recommend and thanks Alan
Liam Prendiville
13:43 29 Jul 21
Thank you Alan for sorting our life insurance, for your help, patience and for being so clear! We really appreciate it! We'll be back to you if we ever need again.
Paff Pavi
14:17 23 Jul 21
We spoke with John. He was excellent, very efficient, and super at his job. He explained everything perfectly to us nothing was too much hassle. Couldn't recommend him enough. Thanks a million John.
Amy Kennedy
16:12 20 Jul 21
Spoke to John who called me very soon after I made a short application to help me fill out the rest. He was very good at his job and explained everything thoroughly
Ed No faoilan
17:17 19 Jul 21
Alan Broderick in Portlaoise has just looked after my mortgage protection swiftly and efficiently. He was extremely helpful and a pleasure to deal with. I will definitely recommend him and LowQuotes.ie and I will certainly use his services again. Many Thanks Alan
Carol Reid
13:21 16 Jul 21
I would definately recommend anyone interested in Mortgages or Life Assurance to contact LowQuotes.ie . Bernadine was our advisor and a truely honest and helpful person. The customer is always at the heart of her job. I must say it is a very easy application process and you are guided all the way on how to upload your documents. Joshua was also very helpful and kept in contact with us throughout the initial stages. Thanks again for your professionalism and support. Kind Regards, Joe & Mary
Joe Stapleton
16:35 15 Jul 21
Extremely helpful,everything was explained in detail.Excellent service.
ann marie Devine
23:46 13 Jul 21
Dealt with Alan Broderick at Lowquotes, sound man and got us a great deal on mortgage protection. Great service
Mark Spain
22:40 12 Jul 21
Very good service . Alan made it so easy for us and had it all done and set up in no time . Very happy with the service . Contacted us back when he said he would and made it so easy for us.
Lorraine Bagnall
16:14 12 Jul 21
Very positive experience, Shane was very professional and easy to understand. He was in no way pushy and it was a pleasure dealing with him.
Geraldine Gunn
16:30 09 Jul 21
I dealt with Alan today and he was excellent at explaining all options and what the policy entails. Highly recommend as it’s quick response once you leave your email on their website.
Eadaoin Miskella
16:00 07 Jul 21
I was dealing with Shane Tobin today, he was so professional and so helpful, signed with insurance today
Sigita Striūgė
16:20 05 Jul 21
Enquired online about mortgage protection. Received a call from John who was so helpful and made the whole process very straight forward and explained all my options. Clearly explained and very happy with the service. Delighted now I took the time to do it today. Another big tick off the list. Thanks John!
Amy Merriman
15:41 01 Jul 21
Was dealing with Alan Broderick, god help the man he got stuck with but he was professional polite and just overall great to deal with couldn’t be happier with how things went 10/10
Reece O' Malley
14:42 01 Jul 21
I would highly recommend low Quotes as they are very knowledgeable, professional and responsive company, Alan was very helpful and explaining everything,
Paul Gaffney
18:54 29 Jun 21
Most informative, professional patient on answering my numerous questions.Many thanks.
Martin Healy
16:28 29 Jun 21
Speak to an Advisor
Unsure about any options on the form? Don’t know how much cover you need? Call our expert advisors for your free no obligation advice & quote.
Benefits of LowQuotes
Mortgage Protection
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€50 Cash back on policies over €30p/m*
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Free 'Will Kit' worth €120*
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Compare every provider in 30 seconds
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Up to 30% discount online
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We beat any competitors quote
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Quote, Apply, Sign, Online
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Cover available in 10 minutes
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Guaranteed lump sum payment in the event of death to pay off your Mortgage
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Your premium is fixed for the full term of the policy
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Serious Illness Option available that pays out on diagnosis
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Dual cover available at no extra cost compared to Joint cover
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Cover available from €2.30 per week
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Covered up to the age of 91
Related
Products
Serious Illness Protection
Tax free payout on diagnosis of up to 40 critical illnesses.
Income Protection
Pays you a replacement income if you are unable to work due to illness or injury.
Your Team
Shane Tobin
Qualified Financial Advisor
Claire Clohessy
APA Life Insurance Advisor
Ciaran Dooley
Qualified Financial advisor
John Hourigan
APA Life Insurance Advisor
Alan Broderick
APA Life Insurance Advisor
Sinead Fogarty
Qualified Financial advisor
Mortgage Protection Information
What is Mortgage Protection?
Mortgage Protection is a cheaper, decreasing form of Life Insurance, tailored to pay off the outstanding balance of your mortgage in the event of your death during the term of your mortgage. Mortgage Protection runs for the same length as your Mortgage.
Placing the right cover to protect your home is essential, and it is a requirement by your Mortgage lender to have protection in place for your home.
Your premiums will be fixed and frozen for the full term of the policy.
Who can be covered
Single Cover
Only one person is covered under the policy. If this person dies within the term of the policy – The cover amount will be paid to the policy holders estate or lender (Whichever chosen)
Dual Cover
Both people are covered under this policy and is a popular choice as it comes at no extra cost compared to Joint Life Cover. It pays out on the first death and second death.
Joint Cover
Two people are covered under the one policy. But only pays out on one death. For example “Joint Life, First death” will pay out when the first person dies, and nothing when the second person dies.
Do you have to get Mortgage Protection from your lender?
- Absolutely not. In fact, We recommend you do not take out Mortgage Protection from your lender, as their premium will be much higher, mainly because they usually only quote from one provider. We will find you the cheapest quote available to you by comparing every provdier in Ireland.
How long does it take to take out Mortgage Protection with Lowquotes?
It won’t take long at all with Lowquotes.ie, as you can digitally sign your documents online (With optional guidance over the phone). Meaning once you’ve signed.. We submit your documents with urgency to your chosen Insurance provider and it’ll be through in no time, so you can then provide proof to your lender.
We can have you on cover within 10 minutes.
What's the difference between Life Insurance and Mortgage Protection?
Mortgage Protection in essence is Life Insurance, The only differences are
- It’s assigned to your Mortgage lender
- Cover amount decreases
The cover amount decreases in-line with the amount owed on the Mortgage loan, until it reaches 0. It would always be our advice to take out a “Term Life Insurance” policy instead, as when the Mortgage Loan is paid off.. The life cover remains and pays out to your family in the event of your death.
Term Life Insurance can be assigned to your lender, just like Mortgage Protection, but you’re left with Life cover when your Mortgage is paid off.
Another benefit of Life Insurance is that if a claim was made half way through your Mortgage, your remaining Mortgage loan would be paid off and the remainder of the cover amount is paid out to your family.
Can I get Serious Illness Protection with Mortgage Protection?
Serious Illness Protection can be accelerated to your Mortgage Protection, that in the event of a specified serious illness some or all of the outstanding amount of your mortgage (whichever amount is chosen) can be paid off to release the burden of mortgage repayments while you are recovering.
Call us if you wish to have Serious Illness Cover added to your Mortgage Protection.
It is important to note that mortgage protection does not cover your actual mortgage repayments if you cannot work due to sickness or redundancy. In this instance, you would need ‘mortgage repayment benefit’ available from your lender which can be built into your mortgage repayments.
How much does Mortgage Protection cost?
As with Term Life Assurance, the cost is on an individual basis and is based on the following:
- Amount of cover taken out (normally the mortgage sum affected).
- Term (fixed for same term as the mortgage).
- Age.
- Gender.
- Smoker / Non-Smoker.
- General state of health.
Extra Optional Benefits will also add to the cost:
- If Serious Illness Protection is chosen
- Rider Benefits in the form of Hospital Cash benefit, Accident Cash benefit, Surgical Cash benefit
What is helping hand benefit?
Royal London’s Helping Hand gives you one to one Personal Support from Royal London.
This free extra includes:
- Providing bereavement counsellors, speech therapists, face to face medical opinions, therapies, massages, physiotherapy for serious health issues
- Cardiac rehabilitation support
- Support for coping with cancer
- Family support for the loss of a loved one
What is best doctors?
Aviva Best Doctors is a second medical opinion is also available from Aviva for your Income Protection. This free extra includes:
- A comprehensive professional review of your diagnosis/injury/treatment without you having to leave home.
- Access to information from highly qualified specialists.
- A personal Best Doctors Nurse care manager – Who will collate information about your condition to specialists, and inform you of any updates.
What if I have a repayment Mortgage?
This is a mortgage where the amount of loan decreases over the term of the policy through the payments of capital and interest on the mortgage loan.
Mortgage Protection is a low cost life cover benefit which decreases each year in line with the decreasing value of your mortgage, with the premiums remaining the same throughout the term of the policy. It is suited to those whose principal concern is to ensure the mortgage is paid off in the event of their death.
Although, Mortgage Protection is cheaper than Level Term Life Cover, individuals with other commitments, and those with a family normally opt for a more substantial form of life cover, where affordability allows it, to cover the financial needs of their family.
What if I have an Interest Only Mortgage?
This is a mortgage where the amount of loan decreases over the term of the policy through the payments of capital and interest on the mortgage loan.
Mortgage Protection is a low cost life cover benefit which decreases each year in line with the decreasing value of your mortgage, with the premiums remaining the same throughout the term of the policy. It is suited to those whose principal concern is to ensure the mortgage is paid off in the event of their death.
Although, Mortgage Protection is cheaper than Level Term Life Cover, individuals with other commitments, and those with a family normally opt for a more substantial form of life cover, where affordability allows it, to cover the financial needs of their family.
What happens if I want to top-up my Mortgage?
To ensure continued financial security in the event you consolidate your loan through a mortgage top up or indeed extend your mortgage term for financial affordability, you will be required to restructure your mortgage protection policy. Your new premium is likely to be higher as you extend your cover over a longer term and because you may be older than when you took out your original cover, all of these factors need to be protected.
