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When you go to fill out a life assurance application, the amount of information required can feel overwhelming. There are questions about your family medical history, your lifestyle, your hobbies, and events that happened years ago. At Citywide Financial in Dublin, we often speak with clients who worry about how minor details affect their policies. A common question we get is "What happens if I leave something out on my application form?" The short answer is simple - it can r

When two or three people set up a private limited company in Ireland, they do it based on a shared vision, mutual trust, and hard work. They build the business together, and from the outset are aligned on how things should be run. But there is a silent compliance risk that many Irish business owners ignore - The Laws of Succession. If your business partner passes away tomorrow, their shares do not automatically return to you or the company. They pass directly to their next of

In the financial world, there is a silent tax that doesn’t appear on your Revenue statement. It’s called the Loyalty Penalty, and in 2026, it is costing the average Irish homeowner thousands of euros every year. If you have been with the same bank for your mortgage, life assurance, or savings for more than three years, then you are likely subsidising their new customer deals. Here is how to audit your apathy and reclaim your "Loyalty Penalty". 1. The Mortgage Gap: The Cost

When people think about their "greatest asset," they usually point to the family home or a pension pot. However there’s a silent engine behind both of those... your ability to earn an income. If your salary stopped tomorrow, how long would your lifestyle - the mortgage, the car, the schools actually last? At Citywide Financial, we see clients every day who insure their phones, their cars, and their pets, but leave their most valuable asset completely unprotected. Here is why

In Dublin's competitive property market, where house prices rose by 5.3% year on year to late 2025, every small percentage point on your mortgage counts. At Citywide Financial, we’re seeing a significant shift - your home's Building Energy Rating (BER) is no longer just about reduced heating bills - it’s now the key to unlocking some of the lowest mortgage rates in Ireland. What is a "Green Mortgage"? A green mortgage is a specialised home loan offering preferential inter

If you’ve ditched the 20-pack of Marlboro for a rechargeable vape, you probably feel like you’ve made the ultimate health (and wealth) pivot. In most areas of life, you’re probably right. However when it comes to Life Assurance and Mortgage Protection in Ireland, the underwriters see things differently. In fact, that "cleaner" habit could be costing you thousands of euros in what we call the Vaper’s Premium. The "Smoker" Label In 2026, Irish insurers are stricter than ev

As a business owner in Dublin, you likely have insurance for your office, your fleet, and your equipment, but what happens if you lose your most valuable asset - the person whose skills, contacts, or vision drive your revenue? In 2026, the Irish business landscape is more competitive than ever. Whether you lead a growing SME in Santry or a tech firm in the Silicon Docks, Key Person Insurance (often called Keyman Insurance or Business Protection) is no longer just a "nice to h

With the first month of 2026 nearly behind us, Ireland’s financial landscape has already undergone a significant shift. From the long awaited launch of pension auto-enrolment to evolving mortgage trends in the Dublin property market, staying informed is the difference between simply "getting by" and building genuine wealth. At Citywide Financial Solutions, we’ve analysed the 2026 outlook to help you navigate these changes. Here is your essential guide to managing your money t

Entering the Irish property market in 2026 requires navigating a landscape of stabilising interest rates. This guide provides the essential updates for your home-buying journey for 2026. What are the Central Bank mortgage lending rules? Understanding the Central Bank mortgage lending rules is essential for anyone planning on taking out a mortgage and buying a home in 2026. These lending rules were introduced by the Central Bank to encourage prudent borrowing & to protect th