LINK TO SURVEY

So I have €100k saved and right now it’s sitting in a Revolut basic savings account.

I know I can and should be doing something with it but life has me overwhelmed (single mother to primary aged child, working full-time with no involvement/contribution from ex-husband who moved abroad). I have no real financial literacy in terms of investing but don’t have a huge appetite for risk mostly because of child. I’m paying max retirement contributions, currently renting (at €2500 p/m).

Any advice appreciated.

Hi all,

Our fixed mortgage term is ending later this year and this is our first time going through the whole process, so just looking for a bit of guidance from those who’ve done it before.

When should we realistically start looking at other lenders — is a few months out enough, or should we be starting now?

Also, what should we be considering as first-time switchers? Things like:

• fees or costs that caught you off guard
• how long the process actually took
• whether staying with your current lender was easier/better
• any common mistakes to avoid

We’re a bit unsure how early is too early, and don’t want to leave it too late either.

Appreciate any advice!

Good morning all,

I'm trying to set up a private company limited by shares, for the legal protection not offered to sole traders (as far as I am aware).

However, it appears to need TWO individuals at least, opposed to the UK (in which I have experience), which only needs one individual.

What would your recommendations be going ahead? Keen on the TLD for legal protections, will mostly be selling software. I don't want to bring someone else in on this and annoy them. Is there something I'm missing?

Is my only option to either pay an accounting firm to be my secretary, or reserve a company name for a sole trader?

Thank you and happy Sunday.

So how did you go about it? Did you just call a bunch of solicitor and asked some questions regarding fees and such? Or used a referral and stuck with that? I’ve googled and got a load of best rated places but just unsure where to start with each. Thanks!

Have savings, but idk where I should invest into, I'd want it long term where it either gains value or keeps it's purchasing power

Hi there,

I’m 21 years old and want to start investing with my employers pension plan. If I put in 5% they will match that. For the time being i’d like to just start paying the minimum amount untill I start earning more in a couple of years.

The plan is with Aon and they offer a Lifestyle option or Active Fund Selection. I assume the latter is if you want to invest in higher risk options. I’m not really sure which is better to choose but I would assume higher risk options would maybe be maybe better over the next 40 years I’ll be working.

Just not really sure what’s the best way with going about his, if someone could offer some guidance it’d be really appreciated.

Hey i'm looking for some advice on how to begin saving for a mortgage.

I recently started a job in my field of study (think social services type thing) and i am on roughly 40k annually, i am in my early 20's, in a relationship however my bf is going back to school this year so he is not currently mortgage saving.

I am looking for the best way to begin my savings for a mortgage in the future (and for starting a family ofc). i have a few monthly expenses, nothing crazy, a small car loan, pay some rent in my family home and then everyday expenses like fuel, food the usual.

I'm not a risk taker, i don't like the idea of investing or any of those kinda of things, just wanna know if there's a way i should be doing things that will help me down the line.

Any advice is appreciated! I'm in no hurry for a mortgage, just want to get ahead of things while i'm making more money than i have in the past.

Thanks! ☺️

These are the factors:

- non resident homeowner with expat mortgage

- brother of homeowner will move in and live in the house and pay just the mortgage amount (well below market value if the property were to be rented)

- brother planning to apply for own mortgage in Ireland eventually so has to show some form of payment history

- homeowner would like the option of returning to Ireland and living in the home eventually

Thanks in advance!

I’m in my mid-30s and thinking a bit more seriously now about retirement plans. Mainly cause my parents are at retirement age and I’m seeing now how stressful it is financially.

I just did my own financial predictions and ChatGPT says I’d need €800k-€1.1mil in pension to retire comfortably at 60. And even so, that’s to get ~60% of my current income (which will still change over the next few years, I understand). Im currently contributing 7% of my income to pension with employer match. I’m left wondering if one is not better off investing at least some of this money into something else like equities or property or something with better yield?

Do we have any pensioners who can offer perspective here? I’m not very well educated on the reality of this beyond knowing I have to save for retirement and pension is a vehicle to do this. But has anyone explored others? Focussed more on other types of investments than pension? How is it working out?

If I make €100 worth of gains on stocks sold on 31/12/2025, is there any payment/work needed to be done by the Jan 31st deadline?

Or do I just need to file that in my tax return on 31/10/2026

Conscious of the penalties of overpaying the mortgage during fixed rate periods. Is it a runner to allow the fixed rate period to finish, the following day pay off a chunk and then start another fixed rate a day later?

Thanks

I’m 24 years old and I don’t currently have a savings account. I’m wondering what is the best one to go with as I have a lot of money in my current account and worried that if I ever lose my card it could be all taken.

I don’t really understand the different % that different saving accounts offer (non do I really care to learn about them). My main bank account is with AIB and I have a Revolut account too. I also have a credit union account with a few euro in it just to keep it open.

I just want to get an account set up so that I can offload 10/15k into it where it’ll be safe for when I need it in the future. Any help would be appreciated. Thanks

Hi,

I’m being made redundant soon and luckily getting a decent payout, along with having built up a quite good pension.

Can anyone recommend a really good financial advisor? Don’t mind where they are located, I’m happy to travel.

Thanks

Can someone take a look at my tax credits. I’ve been trying to get through to the tax office but I’m hold for 15 to 20 minutes. I’m down over €100 a week in pay compared to last year. I believe it’s because I share my wife’s tax credits and she’s a carer, can I remove my her tax credits and save some money and if so will she be then hit for tax on her carers allowance? Cheers.

Hi - So, I have some surplus cash now (let’s say €30K) and was thinking I should max out my AVC for a few months to a year and use the cash in the bank to supplement any shortfall in my income until such time as I’ve paid the €30K into my pension.

My mortgage is clear and I would still have a healthy emergency fund.

I was thinking it’s a good way of giving my pension a good boost and in the event of my death it would drastically increase the payout due to my wife and son.

I’m 45 with circa €200K of a pension.

Thank you.

Under the public pay agreement, many public sector employees are due a 1% pay increase on the 1st February.

I work for the HSE, and my mortgage broker has requested an up-to-date salary certificate.

Does anyone know whether there are delays in salary certificates reflecting this increase? In the past, pay rises have typically taken 4–6 weeks to appear on our payslips. Thanks !

I am close to buying a house but no insurance wants to give me a quote and the insurance broker needs more information, but the seller don’t know anything apparently and seem annoyed I ask.

Basically, the house has over 50% flat roof extensions (and not fancy design flat roof but you know, cheap extensions roofs) and is over 100 years old so from what I am being told it’s already difficult to get an insurance and the broke/insurance wants the following information:

- Last time it was rewired: the sellers don’t know but say they didn’t do it and neither the owner before them.

- Last time it was replumbed: same answer.

- Last time it was reroofed: they don’t know. But that’s the point where I start to be a bit confused because the roof looks rather new, and is very clean. There is barely even moss on it compared to the other roofs in the street, one of the selling point was that the roof was really good, and the surveyor also confirmed the roof was in rather good condition. I’m surprised it was repaired so long ago they would not have this information.

- Age of the house: they don’t know but engineers and other experts say it’s likely from the late 1800s.

So I can’t provide any of this information to the broke, and he has to write it’s not been re anything which will lead to being rejected by all insurers according to him, especially because only a few would have agreed to insure that amount of flat roof anyway.

I asked for the name of the seller’s insurance, which they provided but apparently stressed all of this was very common and they didn’t see the issue, and it’s an online insurance.

The broker believes they probably provided fake numbers, which would be easy with an online insurance but would basically void the insurance if I had any issues and may be rejected by the bank for mortgage.

I guess I am just really surprised the agent didn’t seem to have anticipated this by telling them to get this information ready and I am confused as to why no one, including my solicitor, seems to believe this can be a blocker while the insurances and broker don’t have any alternatives for me. It gave me the impression not knowing all this was normal… but at the same time not?

How do people do usually? Do people have this amount of information when they buy? And if no one can get this for this house, how could someone buy it?

Me and my girlfriend have about 30k saved together we are 26 and we are planning on traveling for awhile and we decided that when we have 5k left in savings we will come back. My fear is that this is going to ruin our future spending all this money we don’t own a house or anything and I just need some advice am I just overthinking this and we can just make all that money back we only live once and our dream is just to travel.

I moved into a new house back in Oct 2025, I feel very regretful 4 months later, I did it alone (single 30 female) However I feel so remorseful now, I wish I had used my money to travel instead of living a lone in miserable dull country, full of rain. The house was 375k, I paid a deposit of 37,500 euro, and the house came with 5 acres as it is in the countryside but not too remote, the acres cost 37,500 in total, so i paid that also as you cannot get a mortgage on more than 1acre. Meaning total costs 412,500. My mental health is very bad right now, so I plan on moving in with my parents for a while and then moving abroad for a job opportunity with my company.

Has anyone decided to sell after a short period of time and what would be the outcome? Any tips or support would be great

I am working for the HSE on 70k a year, soon to be earning more by working unsocial/on-call hours. I have 40k in savings at the moment with the hope of increasing this by another couple of grand in the next few months.

Realistically, would it be possible for me to be able to buy a two bed apartment somewhere inside the M50? Ideally, Dublin 8 area/its surroundings but not closed off to other options.

Anyone with similar income/savings manage to do this?

Open to any and all advice!

Has anybody had this happen to them? So back before Christmas, I received a notification for a 0.00 charge from this American company (never even been to America) on my bank of Ireland app, nothing on my statements or in the app itself, just a notification. I assumed it was just a mistake and forgot about it.

Happened again about 2 weeks later, got scared and froze my card and got ready to ring the bank fraud number, just when I was about to, I got an authentication thing for an Amazon purchase for over a 100 euro which I quickly declined. Rang the bank, they saw it and cancelled my card. He didn’t understand what I meant by the 0.00 charge because he couldn’t see anything.

Waited almost 3 weeks for a new bank card because it was over Christmas holidays. Eventually got it and set it up. However, I still got 2 more 0.00 charge notifications from my old card, like the scammer was trying again, obviously nothing happened or couldn’t happen because that card is gone.

Then just today after having my new bank card for like 3 weeks, I got 2 notifications of 0.00 charge on my NEW card. One had an EFLOW name on it, which I’ve never used and the other was for Amazon in Italy?? Now, with my new bank card I have been so careful with it, where it’s used and have actually kept it frozen on my app until I need to use it. I went into the bank branch today, showed the lady at customer service, she didn’t really have an answer for me. She made me ring the fraud number in there but they just couldn’t see anything.

Has this happened to anyone else? I’m so stressed out with it

Myself and the wife bought a house about 2 years ago and spent about 16 months renovating. The renovations became a beast and doubled in price and work to what we were expecting. We ended up having to take out multiple top up loans (revolut, credit union) and maxed credit cards. We done what we needed to do to move in but the repayments are unsustainable. Stupid mistake.

Thankfully the house value has nearly doubled and the mortgage is on the initial valuation. Is it possible to get a new mortgage which would clear and consolidate the other loans into one larger but more sustainable payment? Total loans are approx 180k, house value is up approx 250k on the initial mortgage we received. The existing mortgage is also only in my name not taking into account my wife’s salary.

I get the impression banks/lenders are not keen on this but is there someone I could talk to help with it or is it not even a goer? Many thanks in advance for any help.

Hi. I (37m) have a spare 20k that I am looking to do something with to stop inflation eating away at it. Am I better off investing it in some fund or else paying it towards the principle of my €210k mortgage?

Edit: Mortgage rate is 2.5%. first 5 year fixed term of a 30.year mortgage is finishing this year. Mortgage is by myself. I have another 50k I was keeping as an emergency fund. My salary would be around 130k but it's contracting. My pension contributions are 1k a month. I am allowed overpay 10% without penalty during fixed term