Financial Planning
for Homeowners
Clear, no-fee advice to help you review your mortgage, protect your home, strengthen your savings and keep your long-term plans moving forward.
30+ Years’ Experience
Nationwide Service
Your mortgage deserves regular review.
Buying a home is a major financial milestone, but your financial planning should not stop once you receive the keys.
Your mortgage rate may change. Your income, family or future plans may look different.
You may be thinking about switching, moving home, making improvements, rebuilding savings, reviewing protection or getting your pension back on track.
At Covermore, we help homeowners look at the bigger picture.
Our role is to help you understand what is in place, 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 a homeowner who is
Approaching the end of a fixed mortgage rate
You may be considering whether to stay with your current lender, move to a new rate or explore switching your mortgage.
Paying more than you expected each month
Changes to mortgage rates, household bills and family costs can affect your monthly budget.
Thinking about moving home
Moving home may mean a new mortgage, a larger loan, changing household costs and new financial priorities.
Planning a mortgage top-up or home improvements
You may be considering an extension, renovation, energy upgrade or another major project.
Rebuilding savings after buying a home
Mortgage deposits, legal fees, furnishings and moving costs can use a large part of your savings.
Growing your family or changing your lifestyle
A new child, career change, increased income or changing household needs can all create a reason to review your mortgage, protection, pension and savings plan.
Whatever stage you are at as a homeowner, Covermore can help you review your options, understand your next step and make confident financial decisions for the future.
What matters most for homeowners
Once you own your home, your financial priorities can continue to change. Your mortgage, protection, savings, pension and wider financial plans should be reviewed as your circumstances develop, helping you stay prepared for both everyday commitments and future goals.
Reviewing your mortgage
Your mortgage may be one of your biggest monthly commitments.
Protecting your home and household income
Mortgage protection, life cover and income protection can all play different roles in protecting your household if circumstances change.
Building an emergency fund
Homeownership can bring unexpected costs, from repairs and maintenance to changes in income.
Keeping your pension on track
Mortgage repayments and family costs can make retirement planning feel less urgent.
Creating savings goals for the future
You may be saving for home improvements, children’s education, a car, a holiday, future property plans or another major goal.
Reviewing your financial plan regularly
Your financial needs can change quickly.
How Covermore helps homeowners
Financial planning should not feel intimidating.
Review your mortgage options
We help you understand your current mortgage position and explore whether there may be a reason to consider switching, remortgaging, moving home or applying for a mortgage top-up.
Review your protection
We help you consider mortgage protection, life insurance, income protection and family protection in the context of your current circumstances.
Create practical savings goals
We can help you rebuild emergency savings and create realistic plans for home improvements, family goals and future financial needs.
Keep your pension moving forward
We help you consider whether your current pension contributions and retirement plans still reflect your income, commitments and long-term goals.
Your next smart financial steps as a homeowner
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?
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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.