IMS Financial Galway

11/03/2026

Quick question for homeowners.

When you took out your mortgage, did your protection include serious illness cover?

Most people assume it does — but often it doesn't.

Mortgage protection usually covers death only.

Serious illness cover is an optional addition that can provide a lump sum if you're diagnosed with certain illnesses.

This lump sum on diagnosis can help:

• Reduce your mortgage
• Cover household bills
• Give you financial breathing space while you recover

It’s not something most people want to think about — but it can make a huge difference if the unexpected happens.

Call now to connect with business.

19/12/2024

From our IMS family to yours, we wish you a very merry Christmas and a prosperous New Year. We look forward to continuing to offer the best mortgage rates and service into 2025.

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 IMS Financial Galway.

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.

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

10/11/2021

Homeowners are saving on their mortgage by switching. If you are interested in switching give us a call and we would be more than happy to talk you through the process.

This represents the highest annualised level of switcher approvals on record, according to the Irish Independent Doddl.ie mortgage switching index.

14/04/2021

Considering a mortgage but don't have the time to meet with an advisor? or maybe you are cautious about COVID. We have the solution. Apply online for your Mortgage today.

21/12/2020

Wishing you a very merry christmas from all of us at IMS Financial.