Financial Planning for Renters & Cohabiting Couples
Clear, no-fee advice to help you protect your income, plan for the future and build financial security together, even without a mortgage.
30+ Years’ Experience
Nationwide Service
A mortgage isn’t your only financial responsibility.
Renting with a partner, sharing a home or building a life together can bring major financial commitments.
You may share rent, bills, childcare costs, loans, savings goals and future plans. You may be saving for a home, starting a family, working for yourself or simply trying to create more financial security as a household.
At Covermore, we help renters and cohabiting couples look at the bigger picture.
Our role is to help you understand where you are now, what may need attention and what sensible financial step to take next.
Thank you,
Raphael Ihuoma.
I highly recommend Nigel and Covermore Insurance to anyone looking for reliable coverage and top-tier customer service.
What really stood out was the level of care and dedication he showed nothing was too much trouble, every question was answered promptly, and we always felt completely supported. It’s rare to come across someone so knowledgeable and genuinely committed to getting the best result for their clients.
Thanks to Barry, what could have been a stressful process was handled smoothly and with total confidence. We can’t recommend Covermore highly enough.
We had a fantastic experience with Covermore Financial, and especially with Eric. From start to finish, the mortgage process was smooth and well-handled. Eric’s professionalism, knowledge, and guidance made everything so much easier for us. He truly went above and beyond.
We are delighted with our new home and very grateful for the excellent support we received. Couldn’t recommend Covermore Financial enough!
Emilia was incredibly knowledgeable, patient, and supportive. She took the time to understand my needs and guided me through the mortgage process with clarity and confidence Her professionalism and attention to detail made the entire experience smooth and stress-free.
I wholeheartedly recommend Emilia and the team at Covermore Financial to anyone seeking reliable and expert financial or mortgage services. They go above and beyond for their clients, and I couldn’t be happier with the outcome.
You may be renting or living together and
Sharing rent and household bills
Your household may depend on two incomes to cover rent, utilities, childcare, transport, food and everyday costs.
Saving towards your first home
You may be building a deposit while trying to manage rent, rising living costs and other commitments.
Starting a family
A new child can change your household costs, income, savings priorities and need for financial protection.
Relying more heavily on one income
You may be thinking about school costs, college, activities, travel or other future opportunities for your children.
Relying more heavily on one income
One partner may earn more, work full-time while the other cares for children, or have more stable employment.
Self-employed or running a business
Self-employed parents may need to balance changing income, tax commitments, pension planning, protection and family costs at the same time.
Whether you are saving for a home, protecting your household or planning for the future, Covermore can help you understand your options and take the next sensible step.
What matters most when you are renting or living together
When you are renting or living together, financial planning is still important, even without a mortgage in place.
Your income, savings, protection, pension and future home plans can all play a role in helping you build greater security and prepare for what comes next.
Protecting the income your household relies on
Your income may support rent, bills, savings, childcare and everyday life.
Protecting your partner and family
Life cover and family protection can help provide financial support if the unexpected happens, subject to policy terms, conditions and underwriting.
Building an emergency fund
A financial buffer can make it easier to manage unexpected costs, a change in work, rental deposits, moving expenses or periods of lower income.
Creating shared savings goals
You may be saving for a deposit, a wedding, a car, education, travel, family plans or another important milestone.
Planning for a future home
Preparing for homeownership is about more than building a deposit.
How Covermore helps renters and cohabiting couples
Financial planning should not feel intimidating.
Start with your real household position
We begin with a conversation about your income, rent, household costs, savings, debts, existing protection and future plans.
Help you identify what matters most
You do not need to address every financial goal at once.
We help you identify the priorities that may matter most for your household today.
Review the protection you already have
You may have life cover, income protection or benefits through work already in place. We help you understand how those arrangements work and whether they still reflect your circumstances.
Create realistic savings goals
We help you plan for an emergency fund, a home deposit, future family costs and other practical financial goals.
Your next smart financial as a renter or cohabiting couple
Financial services can feel overwhelming.
The 7 Steps to Financial Freedom makes things simpler. These simple steps give you a clear roadmap to financial freedom, covering the key areas to consider as your life, family, income and goals change.
You may already have some steps in place. Others may need to be reviewed. Some may not be relevant just yet.
Life is full of changes. Our role is to help you always make the next smart financial step.
Step 1: Build Your Emergency Fund
Build a safety buffer of around three months’ net income to help protect against unexpected costs or short-term financial pressure.
Step 2: Protect Your Debt
Protect your mortgage, loans and other debts so they do not become a burden if something happens. Covermore can help you review suitable protection options.
Step 3: Protect Your Income
Protect your income so your mortgage, bills and future plans are supported if circumstances change. Covermore can help you review suitable options based on your occupation and affordability.
Step 4: Protect Your Family
Protect your family with suitable life cover, especially if you have dependants. Covermore can explain your options and help you choose cover that reflects your needs.
Step 5: Build Your Pension
Build or review your pension so you stay on track for retirement. Covermore can help you understand your options, whether you are starting fresh, reviewing an old pension or increasing contributions.
Step 6: Create Savings Goals
Create savings goals for children, education, tax bills, holidays, cars, home upgrades or future plans. Covermore can help you build good savings habits that fit your life.
Step 7: Invest and Build Wealth
Plan for long-term wealth through investments, property, company structures and wider financial planning. Covermore can help you explore suitable options once the right foundations are in place.
Not sure what financial step to take next?
Hidden
Do Covermore charge a fee for financial advice?
Covermore provides no-fee financial advice consultations. We will explain how the process works clearly before you make any decision.
Do I need to know what service I need before contacting you?
No. Many clients come to us because they are not sure what they need. We can help you understand whether your next step relates to your mortgage, protection, pension, savings, investments or wider financial planning.
Can Covermore help if I already have policies or pensions in place?
Yes. We can review what you already have and help you understand whether it still suits your life, goals and current circumstances.
Do you only work with clients in Dublin?
Covermore is based in Dublin, but we work with clients nationwide.
Can you help business owners and company directors?
Yes. We work with business owners, sole traders, partnerships and company directors on pensions, protection, savings, investment planning and broader financial advice.