The mortgage market has changed considerably in the past 12 months and Ray Cooke Financial Services is ideally placed to shop around our lenders to make sure we get the best mortgage to suit your requirements.
Ray Cooke Financial Services is supported through our agency with IFG Investment & Mortgage Services (who are one of the largest brokers operating in Ireland) and through this extensive network, we have access to products from lenders and life assurance companies listed below.
Ray Cooke Financial Services is ideally placed to guide you through the varying products and criteria of each of these lenders and life assurance companies to let you know how much you can borrow and at what overall cost.
With many lenders now refusing to re-mortgage loans, it pays to shop around so take advantage of our expertise and make your decision wisely.
First Time Buyers
Now more than ever you need to make sure that you are getting a good deal when it comes to your first mortgage (moving to another lender isn’t as easy as it used to be these days!).
Ray Cooke Financial Services will guide you through the varying criteria of each of our lenders and let you know who much you can borrow and at what price. Please bear in mind that the difference between the cheapest rate in the market and most expensive rate in the market is presently over €500 per month!!!!
It pays to shop around so use our expertise and make your decision wisely.
Buying and Selling
Nobody knows the process involved in buying and selling better than Ray Cooke Financial Services. Our sister company, Ray Cooke Auctioneers is an established auctioneer and lettings agent so we know the amount of work involved in getting your house on the market and attracting the right sale price.
Ray Cooke Financial Services work independently with your chosen solicitor to ensure that your mortgage, life assurance, house insurance, etc are all in place with time to spare for things to run smoothly.
With lower property prices, many investors are now coming back to the market to take advantage of low interest rates, lower property values and higher rental yields. Talk to Ray Cooke Financial Services today about your investment property and we will advise which lender is presently most suitable for your specific application.
Whether you are purchasing a new home or feel that you are paying too much for your existing life assurance policy, Ray Cooke Financial Services can shop around life assurance companies to ensure you get a great quote!
Ray Cooke Financial Services advise and arrange a number of different policies including:
- Basic Mortgage Protection
- Term Assurance Policy
- Whole of Life Assurance
- Serious Illness Cover
- Hospitalisation /Accident Cover
- Mortgage Repayment Protection Policy
- Family Protection Policy
Ray Cooke Financial Services work within your budget to find the best cover on the market to suit your specific needs.
How long would you be paid if you we off sick from work?? What if you were out of work for more than six months?
In the above example, there are many people do not receive income from their employer and would be dependent on social benefit which is a little over €200 per week! Would this be enough to pay mortgage, bills, and live comfortably while you are recovering?
In most cases the answer is NO so we recommend that you look at an income protection policy.
With an Income Protection Policy you are eligible for full tax relief at your marginal rate of income tax. Which means if you pay tax on the higher rate of 41% – you can also claim back 41% of your monthly premium!
For self employed individuals– there is no "sick pay" or "social benefit" at all so it is even more important that you speak to Ray Cooke Financial Services about your own protection policy today!
If you are purchasing a new home or your existing house insurance policy is up for renewal, Ray Cooke Financial Services will shop around the market so you don’t have to. We can then compare benefits with different insurers and recommend a provider who will give you the best value for your money.
WARNING: Your home may be at risk if you do not keep up repayments on a mortgage or any other loan secured on it.
Ray Cooke Financial Services Ltd is regulated by the Central Bank of Ireland
Financial Services Manager
Ray Cooke Financial Services