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4.9

Based on 1588 reviews

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.

Brian S.

Cormac LogueI can't thank this man enough from start to finish has been amazing, any questions asked Cormac had the answer if im been honest he is the only reason I decided to take this policy with this company as his service goes above and beyond thanks so much for your patience and help with everything Cormac and I'll defo be in touch should I need any other policy top man

Snatch M.

Outstanding Support From Start to FinishWe received our mortgage drawdown and keys to our new home on 22nd December 2025, and we honestly couldn’t have reached this milestone without the incredible support of Bernadine from LowQuotes.From the very beginning of our journey, Bernadine went above and beyond. She was professional, patient, knowledgeable, and always willing to explain every step clearly — no matter how many questions we had. What truly stood out was how invested she was in our success; this never felt like a transaction, but a genuine partnership.The mortgage process can be overwhelming, but Bernadine made it feel structured, manageable, and even reassuring. Her responsiveness, attention to detail, and commitment to getting the best possible outcome for us were exceptional.We are deeply grateful for her dedication and would wholeheartedly recommend Bernadine and LowQuotes to anyone starting their mortgage journey. If you’re looking for someone who truly cares and will go the extra mile, you’re in the best hands.Thank you for helping us turn a dream into reality.Emmanuel & Dorothy

Kasia H.

Alan Broderick was a pleasure to deal with. From start to finish , clear in everything. Would highly recommend.

priscilla1 G.

Excellent service and very good guidance

Vadym E.

We can’t recommend Niamh highly enough. From the very beginning, she was supportive, knowledgeable, and always quick to respond to any questions we had. She clearly explained the mortgage process, made sure we understood each step, and guided us through everything with great care and professionalism.Niamh worked tirelessly to find the best solution for us and helped make the whole experience smooth and reassuring, even during stressful moments. Her communication was excellent throughout, and we always felt confident knowing she was looking after our interests.If you’re looking for a mortgage broker who is genuinely dedicated, approachable, and reliable, Niamh is an excellent choice. We’re very grateful for her help in securing our home and wouldn’t hesitate to recommend her.

Shane O.

As a first-time buyer, buying as a single applicant, I had a million questions, and Niamh McCaul answered every single one with patience and expertise.She went above and beyond to make sure I felt comfortable and confident with my decisions. It’s rare to find someone so dedicated to her client's success.I cannot recommend Niamh highly enough! From our very first phone call, she made the entire mortgage process feel seamless and stress-free. As someone who was quite overwhelmed by the paperwork, Niamh’s ability to explain everything in plain English was a lifesaver.She was always one step ahead, keeping me updated at every turn and securing a fantastic rate. If you want a mortgage advisor who is professional, proactive, and genuinely cares about her clients, look no further.Thank you, Niamh, for making my dream home a reality!Shane.

Karen B D.

Used low quotes to get a better deal on our life protection and mortgage protection as the banks were a bit unsustainable. Wish I had done this from the start. We had Alan Broderick from the start, he's fantastic at what he does, makes it very human and personal experience. Explained everything without being too jargon-y. He was patient and very helpful with following up with our case. Would highly recommend you give them a call 🙂

Una F.

Thank you Shaun Young for all your help. You made the process so easy, Very efficent and explained all the details so clearlyAgnes (Una) Farrell

Nikolina G.

Very professional and easy process to insurance.Alan B. Was amazing and very professional in his guidance true the insurance application.

Ciara K.

Rebecca was great to deal with and was very helpful. Would absolutely recommend as the entire process was positive.

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.

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

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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