The Advice Centre

Welcome

Welcome to The Advice Centre. We are specialists in financial, insurance, pension and investment advice. We are also happy to talk about estate planning; retirement planning and the provision of tax efficient life policies to ensure you get the best return for your existing monthly spend.

It is our job to provide you, the customer, with the best possible advice for your circumstances. We strive to meet your needs in the most effective way possible; and aim, not to sell you anything, but educate as to what is available, health check your existing financial products, guide you through the various options and let you make your own decision after getting the information you need to do so.

Life Cover

Let us remove the mystery surrounding life assurance, it is really very simple and with financial advice you can choose the type of cover that you require at a very competitive price.

Life Cover with tax Relief

What is life cover with tax relief? It is life cover that has been approved for tax relief under Section 785 of the Taxes Consolidation Act, 1997. Effectively life cover that qualifies for tax relief. It is also known as Pension Term Insurance.

Serious Illness Cover

This product is often linked with a life assurance policy (Decreasing or Level term) but it is also available on a ‘standalone’ basis.

Personal Pension

Personal Pension Plan are designed for those who are self-employed or who work in non-pensionable employment, and who wish to save towards a more rewarding retirement. The policy is contributed to by the member. Retirement can be taken from between 60 to 75 years of age.

Inheritance Planning

Simply put, Section 72 insurance is a revenue approved life insurance policy. The proceeds of this policy are tax-free if used to settle an inheritance tax bill. It’s a life assurance policy to cover inheritance tax. Section 72 insurance is commonly used by parents to avoid an inheritance tax bill for their children

Mortgage Cover

First time buyer or trading up? Finance First will get the best possible mortgage to suit your needs, and we keep the entire process stress free, including every aspect of your purchase, from initial enquiry to finally moving in to your dream home.

Start Saving Money

When working with a new customer we undertake an in-depth analysis of their existing financial products, including policies and pension provisions. We then research and compare the existing to the alternative products available in order to save them money without reducing their level of cover. If we cannot find you any savings, we will advise you of this. In the instance of a more suitable product being available we advise you of this. This research will also show up if the existing products are still suitable for the customers’ current needs. That said, in many cases, depending on the nature of the existing policies, we can even secure better products at a lower price. Many customers have more than one policy; such customers can often achieve substantial savings by bundling all the necessary protections into one policy or indeed replacing some of the existing policies with more tax efficient ones. Savings can also be made on reduced management charges and reduced policy fees when combining policies together. We will explore all options for you so that the best results can be achieved.
Mortgages and Mortgage Cover

Mortgage cover sold by banks or other providers is often not the best value product on the market. Banks are tied agents of insurance companies and as such cannot offer price match or offer discounts like The Advice Centre can. It is always best to review all your policies from your bank as we can generally achieve significant savings by doing so. Following a thorough search for mortgage protection products available, we aim to secure savings for our clients on their mortgage cover! If you already have the most suitable cover for your needs, we will advise you this. Either way a review is only to your benefit. We also aim to save you money by getting you a better deal on your mortgage whether for your own home or an investment property. As we are a Financial Brokerage we can offer our clients a “price pledge” service in relation to some insurance products. That is we can match the lowest price available on the market. The banks cannot do this as they are usually tied agents to one insurance provider and therefore cannot offer these extra savings to you.
Our Promise

We guarantee that we will not attempt to make savings by reducing your cover; we will achieve savings while maintaining your existing level of cover. If your existing policies are the most suitable for your current needs, we will advise you of this. If there are more suitable products for you, we will advise you of this. We offer a free consultation to all customers, with absolutely no obligation. So why not get a review today? You have nothing to lose.

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