Our Factsheet

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Contact us today and book your consultation and see how Quigley Financial Brokers can help you choose the best options available or contact richard@quigley.ie for further information.

MORTGAGES

Fast Approvals – In Weeks, Not Months!

Whether you’re a first-time buyer, moving or upgrading your home, or looking to release equity, we make it simple.

• Access better rates with an easy switch.

• Up to 4% back in cash.

• Consolidate loans & reduce monthly costs.

• Unlock up to €300,000 from your home to do as you wish!

  
  

Get in touch today for quick approval and expert advice.

INVESTMENTS

€160bn on deposit and interest rates are at an all-time sustained period!

Make your money work harder tax efficiently. Grow your investments faster with our gross roll-up structure, allowing your returns to compound tax-free until each 8th anniversary. Our recommendation, you can earn approximately 5% per annum.

We can help you:

• Review your current investments to uncover better options, lower fees, and stronger returns.

• Lump sum investments grow your wealth secure your future.

• Make the most of your deposits by turning idle savings into steady long-term growth.

• Set up flexible savings policies small steps into big results.

• Education planning invest early achieve more.

• Use the €3,000 annual gift exemption effectively.

• Gift tax planning pass on more pay less.

Compound Interest Effect*	Inflation Effect*
FUTURE VALUE OF €1000 TODAY	REAL VALUE OF €1000 TODAY
Increasing at 5% p.a.	Inflation at 5% p.a.
After 1 year €1,050	1 year €952
After 2 years €1,103	2 years €907
After 3 years €1,158	3 years €864
After4 years €1,216	4 years €823
After 5 years €1,276	5 years €784
After 10 years €1,629	10 years €614
After 15 years €2,079	15 years €481
After 20 years €2,653	20 years €377
	*Source; LIA factsheet November 2023

INSURANCES

Protect what matters most. Review your insurance to secure better value and ensure your family, income, business and wealth are fully protected.

We can help you with:

• Life Cover – protect your family’s future and maintain financial security.

• Mortgage Protection – make sure your home and mortgage are fully covered.

• Serious Illness Cover – provides a tax-free lump sum to help you stay financially secure during difficult times.

• Income Protection – secure your income if illness or injury stops you from working.

• Wage Protector – tailored income cover for high-risk occupations.

• Safeguard your business – with co-director, key person and partnership insurance.

• Protect your legacy – fund inheritance tax with a Section 72 policy [maximum age 75 years].

	Capital Acquisitions Tax on or after 02/10/2024
Threshold*	Relationship
€400,000	Child, or minor child of a deceased child.
€40,000	Brother, sister, child of a brother or sister, lineal ancestor, or descendant.
€20,000	Other
Tax Rate	33%
*All benefits received since 5.12.1991 taken into a/c for threshold	Annual Gift Exemption €3,000

You can cover the cost of future inheritance tax through a section 72 life insurance policy  a revenue-approved plan whose proceeds are tax-free when used to settle an inheritance tax bill. Get an instant quote or review your existing policy to see if better rates or terms are available.

PENSIONS

Make the most of your pensions. Review your existing pensions to uncover better options, lower fees, and stronger returns.

We can help you:

• Review your pensions progress.

• Get tax benefits when you start or top up your pension.

• Using a pension to extract wealth for business owners.

• Mature or transfer past employer pensions into your own name.

• Make sure your pension is on track for retirement.

• Review underperforming ARFs.

Making the Right Choice

We all need a little help making the right decisions about our finances. At Quigley Financial Brokers, we’re here to help you protect and grow your wealth guiding you toward the options that best suit you. There’s no right or wrong answer only the one that’s right for you.

Contact us today and book your consultation and see how Quigley Financial Brokers can help you choose the best options available.