IMS Financial Kilkenny

11/03/2026

🏡 Most mortgage holders in Ireland have mortgage protection.

But many don’t realise something important:

Mortgage protection typically only covers death.

It often doesn't protect you if you suffer a serious illness and can't work.

And statistically, people are far more likely to experience a serious illness during their working lives than die during their mortgage term.

This is why serious illness cover is an important part of financial protection planning.

It can provide a lump sum if you’re diagnosed with conditions like cancer, heart attack or stroke — helping you manage your mortgage and household expenses during recovery.

When reviewing your mortgage protection, it’s worth asking:

👉 Would my cover protect me if I couldn’t work due to illness?

If you’re unsure, it may be worth reviewing your protection.

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.

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 Kilkenny 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..

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.