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Mortgage Protection: The Basic Questions Answered

Mortgage protection is oft-discussed in the news and online these days, with promises of the lowest cost coverage in advertisements and...

Buying a house with a friend

Buying a house with a friend can be a great way to enter the property market, but it’s important to understand the risks and...

Getting a Mortgage In Ireland After Living Abroad

For any Irish expats looking to begin their mortgage journey once they return to Ireland, the good news is that being an expat won’t...

First Home Scheme (FHS) Rule Updates January 2023

What is the First Home Scheme (FHS)? The FHS is a scheme backed by the Irish Government to enable first time buyers and other eligible...

Getting A Mortgage In 2023

How Many Times My Salary Can I borrow For A Mortgage in Ireland? The Central Bank has eased mortgage lending rules since January 2023 for...

What is life Assurance underwriting?

As life insurance experts with years of experience in the Irish market, we have helped individuals from all walks of life get the right...

Should I review my Life Assurance policy?

You should review all of your insurance policies once a year. If you have a major life change it makes sense to talk to a financial...

Central Bank Set To Ease Mortgage Lending Rules from Jan 2023

What are the new mortgage lending rules for 2023? The Central Bank has confirmed that it will ease mortgage lending rules for first-time...

Can I get Life Assurance With Chronic Back Pain?

Back pain won’t increase the cost of life cover or mortgage protection; however it can affect serious illness cover and income...

Discussing the Different Mortgage Types

With more mortgage applications being approved than ever, there has been an uptick in blogs, articles and online chatter about mortgages....

SHARED EQUITY SCHEME FIRST HOME SCHEME

What is the shared equity scheme (first home scheme)? This shared equity scheme opened for application on 7th July 2022 and is available...

Key Person Insurance

What Is Key Person Insurance? As a company owner you are very aware that running a successful business means having a great team behind...

Rebuilding Ireland Home Loan

(known as the Local Authority Home Loan Scheme since 4th January 2022) We regularly get queries in relation to the Rebuilding Ireland...

An introduction to Income Protection

Citywide Financial is often surprised by how little we're asked about income protection. While insurance packages like mortgage...

Some tips on Mortgage Protection Insurance

Buying a home for the first time conjures up feelings of excitement and frustration The excitement comes from getting on the property...

What Should I Avoid Doing When Closing On A House?

Most potential buyers are ecstatic at the news that they have got mortgage approval. However it’s essential to bear in mind that the...

Should I Review My Mortgage?

If you currently have a mortgage, you may want to change to a different mortgage or an alternative lender to secure a better deal…. When...

Buy To Let Mortgages

What is a Buy To Let mortgage? A buy to let mortgage is comparable in many ways to a residential mortgage. There are however some notable...

Switcher Mortgage

Can switching your mortgage save you Money? Throughout November 2021, the Irish Independent has published a number of articles discussing...

Who Are The Best Life Insurance Brokers in Ireland?

You’re obviously thinking that we will say that Citywide Financial are the best Life Brokers in Ireland. While this may in fact be true,...

Small changes that make a big difference when saving for a deposit for a house

One of the biggest hurdles when buying a house is getting the money together for a deposit. It can help to look at some of the smaller...

Why do solicitors need Income Protection?

Income Protection is something we would advise most people to look into but for some professions in particular it makes makes absolute...

Who Are The Best Mortgage Protection Brokers in Ireland

The point of this blog is not to tell you that Citywide Financial are the best Mortgage Protection Brokers in the country, but to help...

How much is funeral insurance in Ireland?

Thankfully we are all living longer and healthier lives, so shouldn’t need to think about funeral costs for a very long time, however, it...

Can you get Life Assurance with a pre-existing condition in Ireland?

People with serious medical conditions such as diabetes, cancer & heart disease form a large proportion of our society and most are...

How does Capital Acquisition Tax work?

In Ireland, Capital Acquisition Tax ( CAT) is more prominently known as Inheritance Tax. CAT is a tax that’s charged on money or property...

Can I get Life Insurance/Assurance and Mortgage Protection if I’ve had Cancer?

Cancer is the most prevailing medical condition in Ireland. Cancer life insurance premiums can differ significantly from one insurance...

Is Life Insurance/Assurance Available For Divers?

Depending on their work activity, getting life insurance for commercial divers can often be obtained at standard rates. In assessing an...

Self Build Mortgages

If you are planning to build your own home on a site you already own, or intend to purchase you will need flexibility in terms of your...

How will the Ulster Bank Wind Down Affect Mortgage Customers?

I have my Mortgage with Ulster Bank Ireland. What happens next? The first thing to say is that there is no need to panic. The wind down...

Is Your Greatest Asset Protected?

People don’t normally think of their current income and their future earnings as an asset. However, in reality, the salary you earn pays...

Covid 19 And It’s Impact On The Mortgage Market

It’s almost a year since we experienced our first lockdown in Ireland and Covid 19 is still causing headaches for people trying to secure...

Covid 19 And It’s Impact On The Mortgage Market

It’s almost a year since we experienced our first lockdown in Ireland and Covid 19 is still causing headaches for people trying to...

The Best Of Both Worlds

Have you checked on your life policies recently? What is the difference between Life policies? Which type of life policy should I choose?...

Is it possible to get life insurance during pregnancy?

Yes, you are eligible for life insurance during pregnancy. Making an application for a life insurance policy when you’re pregnant is...

Switching Made Simple With Citywide

Switching your mortgage provider or product can help you save money. It can also create additional funds for home improvements, reduce...

Can I Get Life Insurance/ Assurance If I Have Huntington’s Disease?

Huntington’s Disease ( HD) is a rare hereditary medical condition that causes the progressive breakdown of nerve cells in the brain. It...

Purchasing An Investment Property – FAQ’s

In this blog our resident mortgage expert Robert O’Neill QFA answers 10 questions we regularly get asked about buying an Investment...

What are the options for Life Insurance/Assurance if I have Tinnitus?

Tinnitus is the medical name for a hissing, whistling or ringing sound sensation in one or both ears or in the centre of the head. It is...

Can you get Life Insurance/Assurance if you are overweight?

The majority of medical professionals agree that once a person attains a BMI ( Body Mass Index) score of 25 to 30, they are considered to...

What exactly is Mortgage Protection Insurance?

Mortgage Protection Insurance is a policy that pays off your existing mortgage if you or another policy holder dies during the term of...

MORTGAGE AFFORDABILITY

How do banks calculate mortgage affordability? When determining a mortgage, lenders use different criteria to decide on the amount of...

Mortgages FAQ’s

What is a mortgage? A mortgage is a loan taken out to buy a house, property or land. The loan is ‘secured’ against the value of your home...

Can You Get Life Assurance/Insurance With Cerebral Palsy?

Cerebral Palsy (CP) is a condition marked by impaired muscle coordination typically caused by damage to the brain before birth. There are...

Can you get life insurance (assurance) in the Military/ Army/ Defence Forces?

The Defence Forces are the armed forces of Ireland comprising of the Army, Air Corps, Naval Service and Reserve Defence Forces. Getting...

Income Protection – FAQ’S

Why Do I need Income Protection Insurance? Everyone has heard of Income Protection but is it something we should all have or is it a...

Covid-19 and your Mortgage – FAQ’s

How will my existing mortgage approval be affected by Covid-19? Your existing mortgage approval (or approval in principle) is not...

Can I get Life Insurance/Assurance with Kidney Stones?

Kidney stones are hard deposits made of minerals and salts that form inside the kidneys. Diet, excess body weight, certain medical...

Can I get Life Insurance/ Assurance with a Bipolar condition?

Bipolar Disorder is a mental health condition characterised by periods of manic and depressive episodes that can cause extreme shifts in...

Why Banks May Not Always Be The Right Option For Your Money.

Should I Put My Savings On Deposit In The Bank? In 2020 we in Ireland now have €16.4 billion in our personal savings. This is...