IMS Financial Clonmel

30/07/2026

The big blue building. Clonmel Mortgages, 8 Sarsfield Street, Clonmel.

11/03/2026

Need Help Reviewing Your Mortgage Protection?

Many homeowners assume their mortgage protection will cover every scenario — but in many cases serious illness protection is missing or insufficient.

If you already have a mortgage or are currently arranging one, it may be worth reviewing your protection to ensure you and your family are fully covered.

A quick review can help you understand:

• Whether your mortgage protection includes serious illness cover
• If your current cover level is sufficient
• Whether there are more suitable or cost-effective options available

If you'd like a no-obligation protection review, feel free to get in touch. I’m happy to walk through your current cover and explain your options in plain English.

📩 Get in touch today to arrange a quick protection review.

Call now to connect with business.

17/01/2024

You are just one click away from making that dream home a reality https://imsfinancial.creditlogic.io/register

21/12/2023

Our Offices will be closed from Friday 22nd December 2023 until 3rd January 2024. Our online application system will remain open over the festive period.

19/12/2023

A very merry Christmas & prosperous New Year to all our clients & friends from the IMS Financial Clonmel team.

19/10/2022

The Central Bank has announced changes to mortgage lending. We'll try to outline what this means.

1. First time buyers will be able to borrow up to four times their income from January 2023. A borrower on €50,000 per year will be able to borrow €200,000 in place of €175,000 but will still need a 10% deposit.
2. Second and subsequent buyers will still be restricted to 3.5 times their income but from the reading if they are moving to a new home will need a 10% instead of 20% deposit. A borrower on €50,000 per year looking to purchase at €175,000 would need a deposit of €35,000 under current rules but under the new rules that would be €17,500.
3. First time buyer definition is to be expanded to include divorced, separated or undergone bankruptcy/insolvency when they no longer have an interest in the previous property. A first time buyer getting a top-up loan or re-mortgage with an increase in the principal may be considered 'First time' if the property remains their primary home.
4. Mortgage exceptions will be reduced from 20% to 15% meaning lenders will have to reduce the number of exceptions to the income limit they can issue per year.

12/07/2022

19/01/2022

With rates as low as 1.95% now is the time to lock down your mortgage rate. We can make it as easy as a few clicks. Apply online today at imsfinancial.ie.

Apply For a Mortgage Online. Click, Answer & Upload, as easy as 1,2,3..

26/12/2021

Contact Us to start your mortgage journey over the holiday period. First time buyers, Mortgage switchers and those looking for the lowest rates. Apply now online by clicking below. http://clickamortgage.ie/