MORTGAGES
Obtaining mortgages is an integral part of my business for clients. In today's busy world, time is a premium and that's where my services can be most beneficial - undertaking the research and procuring the appropriate mortgage package to suit individual cases.

Currently there are a broad range of mortgages on the market, the most recent one being the 100% offered by some lending institutions. However there are some restrictions e.g. applicants being in continuous employment for the previous 3 years.

Another concern for people taking out mortgages is whether to take a fixed rate or a variable rate. Again this depends on the individual's circumstances. Recently we have had a product known as a tracker mortgage included in the mortgage world and it has proved very popular. While it is a variable product it is tied to the ECB rate (European Central Bank rate) currently 2.0%. Therefore the lending institution has to be tied into a fixed percentage above ECB rate for the life of the mortgage. Lending criteria and terms apply. Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.

LIFE & PENSIONS
As well as dealing with mortgages Sean Doorley Financial Services is a Tied Agent of Hibernian Life & Pensions. Hibernian Life & Pensions Limited is regulated by the Irish Financial Regulator. The services available here are Life Assurance, Lump Sum Investments and Pensions.

Pensions have again become a priority. At this time of year Self Employed people have to have accounts completed for the revenue as well as the need to be conscious of the government concerns about individuals looking after their future retirement needs. By investing in pensions you can save on tax and more important, you will be providing for the future. (You can save up to 42% making them a better investment than SSIAs). As a nation we are all living longer therefore providing for retirement is more important than ever.