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DNG Financial Services DNG Financial Services is a leading financial services intermediary in Ireland.

Streamlined mortgages, personalised planning, expert guidance: Your financial journey starts here!

20/10/2026

Different lenders can have different lending criteria and may take different approaches to individual circumstances.

If you apply directly to one bank, you're limited to the products and criteria of that lender.

A mortgage broker can assess your circumstances across multiple lenders and help identify whether another lender may have an option that fits your situation.

A declined application can be frustrating, but the next step should be understanding why it was declined and what options are available.

19/10/2026

Myth or fact? Your employer has to keep paying your full salary if you can't work long term.

❌ Myth.

What happens to your income if you're unable to work depends on your employment contract and any protection you have in place.

And here's another common misconception:

Life insurance and income protection are not the same thing.

Life insurance provides a benefit in the event of death, while income protection is designed to provide an income if you're unable to work due to illness or injury, subject to the terms of the policy.

Knowing the difference can make a big difference when it comes to protecting yourself and your family financially.

18/10/2026

Before you apply, you need to have a realistic idea of what you can actually afford.

Look at your household income, deposit and potential borrowing capacity, then work backwards to establish a realistic property budget.

But one of the biggest things you can do is demonstrate that you can comfortably manage the repayments you're taking on.

If you expect a mortgage repayment of €1,500 a month, showing that you can consistently manage that level of outgoings before applying can help demonstrate your repayment capacity.

The earlier you prepare, the clearer your mortgage options can become.

17/10/2026

Here are three common pension myths:

❌ Your workplace pension automatically follows you when you change jobs.

❌ Combining old pensions is always the best option.

❌ You can access your pension whenever you need.

The reality? It depends on the type of pension you have and your individual circumstances.

PRSA, Occupational Pension Schemes and other pension arrangements can have different rules around transferring, combining and accessing your funds.

Your pension isn't a one-size-fits-all decision, it's worth understanding what you actually have before making changes.

16/10/2026

Keeping €100,000 sitting in a current account indefinitely? 🔴

An emergency fund covering 3–6 months of expenses? 🟢

Investing money you know you'll need within the next couple of years? 🔴

The key is understanding what each pot of money is actually for. Your emergency fund needs to be accessible, while money you don't need in the short term may have different options available.

It’s not just about saving money, it’s about making sure your money is working appropriately for your goals.

15/10/2026

Cash has its place in your financial plan, but keeping almost all of your wealth in cash for the long term comes with its own risks.

The important question is: what is that money actually there for, and is your strategy aligned with that goal?

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For information purposes only. This content is not financial advice.

Your mortgage rate doesn't exist in isolation.Whether you're on a tracker, fixed or variable rate can make a big differe...
14/10/2026

Your mortgage rate doesn't exist in isolation.

Whether you're on a tracker, fixed or variable rate can make a big difference to what happens next, particularly if your fixed rate is coming to an end.

If your mortgage is due for review, don't leave it until the last minute.

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For information purposes only. This content is not financial advice.

13/10/2026

Getting mortgage approval isn't just about having a good salary.

Your bank statements, savings habits and lifestyle spending all help demonstrate whether you can actually afford the repayments.

If you're planning to apply, make sure your finances tell the right story.

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For information purposes only. This content is not financial advice.

28/09/2026

Paying rent every month? Make sure your bank can clearly see it.

When you're preparing for a mortgage application, a consistent rent payment history can help demonstrate your ability to manage a significant monthly housing payment.

Ideally, your rent should be clearly identifiable on your bank statements and paid consistently each month.

Cash payments can make this harder to evidence, so keeping a clear paper trail can make the application process much smoother.

Small details like this can make a big difference when you're getting mortgage-ready.

27/09/2026

If you're a business owner, retirement planning shouldn't be something you leave until retirement.

The first few years of running a business can be some of the most challenging, but that doesn't mean your pension should be pushed down the priority list.

There can be significant tax advantages to putting the right pension structure in place early, including options available to company directors and business owners.

The earlier you understand what's available to you, the more options you may have later.

Address

Milltown House, Mount Street Annes
Dublin
D06Y822

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+35314912600

Website

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