Money Maximising Advisors

Mortgages, Pensions, Protection, Savings and Investments, Inheritance Tax Planning. Independent advice for public sector and private clients in Ireland.

[Money Maximising Advisors @MMAdvisors_ie]

The State Pension: €15,000 a year. A comfortable retirement: €45,000+. That gap is yours to bridge.

Our new 2026 retirement guide breaks down exactly how, from ARF vs annuity to the 12 month countdown.

Link here: https://t.co/EXnoC2JzDA

#RetirementPlanning #PensionsIreland #RetireIn2026

[Money Maximising Advisors @MMAdvisors_ie]

Some advice is more valuable when it says what not to do.

Equity release has genuine uses: clearing a mortgage at retirement, home adaptations, helping family at the right moment.

Using it to fund investments is different. Borrowing at a rate that compounds against the home, chasing returns with no guarantee. If markets disappoint, the debt grows anyway.

We would rather say this publicly than have that conversation after the fact.

Share it with anyone being pitched the idea.

#EquityRelease #MMAdvisors

[Money Maximising Advisors @MMAdvisors_ie]

"Will it affect my pension or my medical card?"

One of the first questions we get on equity release, and the honest answer is: it can, depending on the structure.

The release is borrowed money, not income, so no income tax, and the State Pension Contributory is unaffected.

But money sitting in an account afterwards can count in the means test for the Non Contributory pension, medical card, Fuel Allowance and Fair Deal. A lump sum and a staged drawdown can produce very different outcomes.

Anyone on a means tested support should have this conversation before signing, not after.

Book a free call. Link in bio.

#EquityReleaseIreland #LifetimeLoan #MedicalCard #FairDeal #Over60s

[Money Maximising Advisors @MMAdvisors_ie]

The 6 months before applying matter more than the week you apply.

Lenders read account statements closely. Gambling apps, missed direct debits and BNPL balances all show up and shape the answer.

The most common mistake: tidying accounts after applying, when the statements under review are already written.

Starting 6 months out with cleaner spending and a visible savings pattern can move borrowing capacity meaningfully.

#MortgageIreland #FirstTimeBuyerIreland #MortgageTips

[Money Maximising Advisors @MMAdvisors_ie]

"The bank will take the house." We hear it every week.

A regulated lifetime loan in Ireland today includes a lifetime right to stay in the home, a no negative equity guarantee, and mandatory independent legal advice before signing.

That does not make it right for everyone. Interest compounds and reduces what the estate keeps, so it deserves a proper family conversation. But decide on how the product works now, not stories from a different era.

Save this for anyone weighing it up.

#EquityReleaseIreland #LifetimeLoan #RetirementPlanningIreland #Over60s

[Money Maximising Advisors @MMAdvisors_ie]

Almost nobody is talking about this side of auto enrolment.

My Future Fund's State top up adds 25 cent for every euro contributed. For standard rate taxpayers, that is hard to beat.

For higher rate taxpayers, though, contributions through an occupational scheme or PRSA attract 40% relief, sometimes with an employer match on top. So "just stay enrolled" may not be the best use of a higher earner's money.

The right answer depends on tax band, employer scheme, and time to retirement. Worth checking rather than assuming.

#AutoEnrolment #MyFutureFund #PensionIreland #RetirementPlanningIreland #TaxRelief

[Money Maximising Advisors @MMAdvisors_ie]

Fixed at around 2% in 2022? The rollover is closer than most think.

Those fixed terms are now ending across Ireland, and rolling onto the lender's variable rate is often the most expensive option.

Worth knowing:
A new rate can typically be locked in up to 90 days early.

Switching lender is an option, and some cashback offers may offset legal costs.
Doing nothing is a decision too, and rarely the cheapest one.

A short chat before the term ends could be worth thousands. Book a free call, link in bio.

#MortgageIreland #MortgageSwitching #FixedRateMortgage #IrishHomeowners #MortgageBrokerIreland

[Money Maximising Advisors @MMAdvisors_ie]

Our full breakdown covers all seven income categories, the Central Bank rules that set the floor and the ceiling, and a real Dublin case study where a couple moved from a two-bed apartment to a three-bed semi on the same income.

Read it here: https://t.co/cVVTTKVEXH

[Money Maximising Advisors @MMAdvisors_ie]

None of this is complicated. Most of it just needs to start earlier than people think. Save this and start the six-month clock today.

#MortgageApproval #IrishMortgageBroker #FirstTimeBuyerIreland #MMAdvisors

[Money Maximising Advisors @MMAdvisors_ie]

Sometimes the numbers tell a different story than you'd expect.

That's why it's worth looking beyond the headline figures before making any mortgage decision.

[Money Maximising Advisors @MMAdvisors_ie]

Book here: https://t.co/Z82DaDDhAa

[Money Maximising Advisors @MMAdvisors_ie]

It's rarely the big red flag people expect, it's the small pattern nobody thought to explain.

Save this before you start gathering your documents and book a review.

#MortgageDeclined #IrishMortgageBroker #ApprovalInPrinciple #MMAdvisors

[Money Maximising Advisors @MMAdvisors_ie]

The mortgage market rewards people who ask. It doesn't reward loyalty.

Comment "SWITCH" for a free, no-obligation comparison. #MMAdvisors

[Money Maximising Advisors @MMAdvisors_ie]

The ECB decides on rates on 23 July, and this one matters. After June's increase the deposit rate stands at 2.25%, its first rise in nearly three years, driven by energy-led inflation. The question now is whether rates hold or move again, not whether they fall.

If you are buying, switching or coming off a fixed rate, it is worth knowing where you stand before the announcement.

Send us a message and we will talk you through your options.

#IrishMortgages #MortgageIreland #FirstTimeBuyer #ECB #Galway #MMAdvisors

[Money Maximising Advisors @MMAdvisors_ie]

Your income is only half the story a lender reads. Tag someone about to start their mortgage journey.

Book here: https://t.co/yDdHm1xU8Q

#MortgageIreland #LendingCriteria #HomeBuyingIreland #MMAdvisors

[Money Maximising Advisors @MMAdvisors_ie]

The myths around equity release are stopping thousands of Irish homeowners from even exploring their options. Let's clear them up 👇

❌ You DON'T lose ownership of your home
❌ You WON'T owe more than your home is worth
❌ It's NOT just for people in financial difficulty
❌ You CAN often make voluntary repayments

Comment TRUE or FALSE below — which one surprised you most?

📞 Book a free, no-obligation consultation: https://t.co/QZQk5Jg2Xg

#EquityReleaseMyths #EquityRelease #MythBusting #RetirementIreland #LifetimeLoan

[Money Maximising Advisors @MMAdvisors_ie]

You've spent years, maybe decades building equity in your property. Paying the mortgage. Watching the value grow. Maintaining and improving it.

That equity doesn't have to just sit there.

Understanding your options is the first step. And it starts with a free, no-obligation conversation.

Follow us for daily content on financial planning in Ireland.

#PropertyWealth #HomeOwner #Retirement
#EquityRelease

[Money Maximising Advisors @MMAdvisors_ie]

https://t.co/gbHsce0hks

[Money Maximising Advisors @MMAdvisors_ie]

Over 55 and own your home in Ireland? You may have far more financial options than you've been told about 👇

From lifetime loans to later life mortgages to gifting from your equity — the options for over-55 homeowners in Ireland have grown.

📞 Book a free, no-obligation consultation at the link in the comment section below.

#EquityRelease #PropertyWealth #RetirementIreland #LifetimeLoan #HomeOwnerIreland

[Money Maximising Advisors @MMAdvisors_ie]

Click here:

https://t.co/JcgOSW1Vmv

[Money Maximising Advisors @MMAdvisors_ie]

Mid-Year Financial Audit: 5 things to check RIGHT NOW.

Which of these 5 do you most need to sort? Comment below. And book your free mid-year review at the link in bio.

#midyearreview #financialcheckin #moneygoals #irishfinance #financialplanning