Symmetry Financial Management

Symmetry Financial Management Our team of financial advisors are here to help you assess your financial goals and put a plan in pl

Many public sector workers don't work standard office hours.Early shifts.Night duty.Weekend work.Long days.Trying to org...
02/09/2026

Many public sector workers don't work standard office hours.

Early shifts.

Night duty.

Weekend work.

Long days.

Trying to organise a mortgage appointment or a financial review shouldn't mean taking annual leave or rearranging your week.

That's why we try to fit around your schedule, not the other way around.

Because financial advice should work around real life.

If you've never been told that overtime could affect your borrowing power, this is worth knowing.Many nurses assume lend...
01/09/2026

If you've never been told that overtime could affect your borrowing power, this is worth knowing.

Many nurses assume lenders will only look at their basic salary.

But that's often only part of the picture.

Depending on the lender and your individual circumstances, overtime, shift allowances, premium payments and other regular income may also be taken into account when your affordability is assessed.

That's why two people on the same basic salary don't always have the same borrowing potential.

Before ruling yourself out, make sure you're looking at the full picture.

We're incredibly proud to see Dean nominated for Generation Apprenticeship Apprentice of the Year 2026.Since joining Sym...
31/08/2026

We're incredibly proud to see Dean nominated for Generation Apprenticeship Apprentice of the Year 2026.

Since joining Symmetry, Dean has shown a genuine willingness to learn, a great attitude and a commitment to developing his knowledge and skillset every day.

This nomination is a fantastic recognition of the hard work he's put in, and it's thoroughly deserved.

Congratulations, Dean, from all of us at Symmetry. We'll be cheering you on.

Most public sector payslips tell a bigger story than basic salary alone.Overtime.Allowances.Shift earnings.Premium payme...
31/08/2026

Most public sector payslips tell a bigger story than basic salary alone.

Overtime.
Allowances.
Shift earnings.
Premium payments.
Salary scales.
Pensionable income.

These details can all matter when affordability is being assessed.

That’s why generic advice often falls short for public sector workers.

Before you assume what you can or can't borrow, make sure your income is being assessed properly.

Almost ten years, over 61,000 approved claims, and the go-ahead to keep running until 2029; the Help to Buy Scheme has b...
20/08/2026

Almost ten years, over 61,000 approved claims, and the go-ahead to keep running until 2029; the Help to Buy Scheme has become one of the most significant supports available to first-time buyers in Ireland.

From eligibility criteria to property requirements and the maximum refund available, there's a lot to take in if you're approaching this for the first time.

Our guide to the Help to Buy Scheme rules breaks everything down clearly:

https://symmetryfinancial.ie/mortgages/our-guide-to-understanding-help-to-buy-scheme-rules-in-ireland

Eligibility criteria can make or break a first-time buyer's plans before they even get started. To avail of the First Ho...
18/08/2026

Eligibility criteria can make or break a first-time buyer's plans before they even get started.

To avail of the First Home Scheme, for example, applicants must secure mortgage approval from a participating lender, and the property itself must meet local price caps set by the relevant local authority. Together, these conditions shape who can access the scheme and which homes qualify.

Not sure if you meet the criteria? Get a clear breakdown of everything involved in the First Home Scheme:

https://symmetryfinancial.ie/mortgages/first-home-scheme-ireland-the-pros-and-cons-explained-clearly

Did you know that the Help to Buy Scheme can be combined with other government supports?First-time buyers may be able to...
13/08/2026

Did you know that the Help to Buy Scheme can be combined with other government supports?

First-time buyers may be able to use HTB alongside schemes such as the Local Authority Affordable Purchase Scheme or the First Home Scheme. This could open up further possibilities for those struggling to bridge the gap between savings and the cost of a new home, provided the proposed purchase meets the eligibility criteria for each scheme involved.

If you'd like to explore how these schemes might work together, our guide to the Help to Buy Scheme rules is a useful starting point:

https://symmetryfinancial.ie/mortgages/our-guide-to-understanding-help-to-buy-scheme-rules-in-ireland

For many first-time buyers, the biggest question isn't whether they can afford a mortgage, but whether they can save eno...
11/08/2026

For many first-time buyers, the biggest question isn't whether they can afford a mortgage, but whether they can save enough for a deposit in the first place.

Rising property prices have made that 10% threshold feel further out of reach than ever. The First Home Scheme addresses this directly, helping bridge the gap between what a buyer can borrow and the actual cost of a new home through shared equity support, turning an otherwise unattainable purchase into a realistic possibility.

If saving for a deposit feels like the biggest barrier standing in your way, find out how the First Home Scheme could change that:

https://symmetryfinancial.ie/mortgages/first-home-scheme-ireland-the-pros-and-cons-explained-clearly

If you're buying a new build under the Help to Buy Scheme, there's an important detail worth checking early on: the cont...
06/08/2026

If you're buying a new build under the Help to Buy Scheme, there's an important detail worth checking early on: the contractor must appear on Revenue's list of approved developers and contractors.

This is one of several lender and mortgage-related requirements set out under the scheme, alongside the rule that your mortgage must cover at least 70% of the property's purchase value or approved valuation.

Want to make sure you've covered all the necessary criteria? Our guide walks through all the Help to Buy Scheme rules:

https://symmetryfinancial.ie/mortgages/our-guide-to-understanding-help-to-buy-scheme-rules-in-ireland

With nearly 3,000 buyers approved for the First Home Scheme last year alone, more first-time buyers than ever are turnin...
04/08/2026

With nearly 3,000 buyers approved for the First Home Scheme last year alone, more first-time buyers than ever are turning to this government initiative to get onto the property ladder.

Bringing the total number of successful applicants to over 9,000 as of December 2025, the scheme's growing popularity reflects just how significant the challenges facing first-time buyers have become, and how government support is helping to address them.

If you're considering your own next steps, take a closer look at what the First Home Scheme could mean for you:

https://symmetryfinancial.ie/mortgages/first-home-scheme-ireland-the-pros-and-cons-explained-clearly

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Unit 38 Dunboyne Business Park
Dunboyne
A86YP08

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Monday 9am - 6pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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