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Navigating the realm of inheritance tax in Ireland can be a complex and daunting task. Understanding the ins and outs of how much you can inherit without facing hefty taxes is crucial for effective financial planning.

In this blog post, we will delve into the intricacies of Irish inheritance tax laws, explore strategies to minimize your tax liabilities, and provide expert advice on how to ensure your loved ones receive their rightful inheritance.

Let’s unravel the mysteries surrounding inheritance tax in Ireland together!

Understanding the Threshold for Inheritance Tax
In Ireland, inheritance tax is known as Capital Acquisitions Tax (CAT). CAT is calculated based on the value of the gift or inheritance received. Understanding the threshold for inheritance tax is crucial when planning your estate.

Currently, in Ireland, there is a tax-free threshold that determines how much you can inherit without paying taxes. This threshold varies depending on your relationship to the deceased. For example, spouses and civil partners have a higher tax-free threshold compared to other beneficiaries.

It’s important to be aware of these thresholds to effectively plan your estate and minimize potential tax implications. By staying informed about the current thresholds and exemptions available, you can ensure that your loved ones receive their rightful inheritance without unnecessary financial burdens.

Consulting with financial advisors or estate planners like Money Maximising Advisors can help you navigate these complexities and make informed decisions regarding your estate planning strategies. Taking proactive steps towards understanding the threshold for inheritance tax puts you in control of your financial legacy. Listen more: https://mmadvisors.ie/inheritance-tax-advice-in-ireland-what-is-the-most-you-can-inherit-without-paying-taxes/

Inheritance Tax Advice In Ireland: What is the Most You can Inherit without Paying Taxes?

What Can You Use the Funds For?
There are many approved reasons to release equity from your home. Whether you’re planning renovations, covering medical or education expenses, or helping a family member with a deposit for their own home, this flexible option puts you in control. It’s also ideal for managing inheritance tax liabilities, separation-related costs, or even as a deposit on a second property or holiday home. Some homeowners also choose this route to consolidate short-term loans and lower their monthly repayments.

Do You Qualify?
To be eligible, you must have equity in your home—the market value must be greater than the outstanding mortgage, typically within an 80% loan-to-value ratio. A clean credit history over the past five years is required, and the oldest applicant must be 55 or younger.

How Much Can You Access?
You can release up to €100,000 with minimal paperwork. For higher amounts, you’ll need self certified cost estimates and planning permission if structural work is involved.

What You’ll Need to Apply
The application is straightforward. You’ll need completed salary certificates, recent payslips, six months of bank and loan statements, and, if borrowing over €100,000, quotations and planning documentation for any proposed works.

Visit us to Read more: https://mmadvisors.ie/top-up-equity-release-mortgages/

"For more Details to know.

Company: Money Maximising Advisors Limited

Visit: https://mmadvisors.ie/
Call: +353 91 393 125
Email: office@mmadvisors.ie
Address: Unit 3, Office 6, Liosban Business Park, Tuam Rd, Galway, Ireland

					
					

Equity Release Mortgages | Mortgage Top-Up  | Money Maximising Advisors

Looking to invest in property? A Buy-to-Let Mortgage in Ireland can be your gateway to generating long-term rental income and growing your wealth. At Money Maximising Advisors, we specialise in helping investors like you secure the most competitive Buy-to-Let Mortgage Rates and flexible terms tailored to your financial goals.

With rising demand for rental properties, there’s never been a better time to explore the Buy-to-Rent Mortgage Ireland market. Our expert advisers will guide you through everything — from comparing Mortgage Interest Rates Ireland to selecting the right Buy-to-Let Mortgage Lenders. Whether you’re a seasoned landlord or new to the market, we provide access to the Best Buy-to-Let Mortgage Rates available.

Use our Buy-to-Let Mortgage Calculator and Buy-to-Let Mortgage Ireland Calculator to estimate your repayments with ease. For deeper insights, try our advanced Buy-to-Let Mortgage Repayment Calculator or Buy-to-Let Mortgage Loan Calculator to understand your potential returns and expenses.

At Money Maximising Advisors, we don’t just help you secure a loan — we empower you to make informed investment decisions that lead to financial freedom.

Ready to grow your property portfolio?

Visit us:- https://mmadvisors.ie/buy-to-let-mortgage/

Make smarter moves with Ireland’s trusted mortgage experts — Money Maximising Advisors.

For more Details to know.

Company: Money Maximising Advisors Limited

Visit: https://mmadvisors.ie/
Call: +353 91 393 125
Email: office@mmadvisors.ie
Address: Unit 3, Office 6, Liosban Business Park, Tuam Rd, Galway, Ireland

Maximise Your Property Investment with the Best Buy to Let Mortgage in Ireland

WHY THIS MORTGAGE STANDS OUT

Alongside some of the most competitive rates in the market, you can choose from variable, 3-year, or 5-year fixed-rate options. Flexible repayment terms mean your mortgage can adjust with your changing circumstances.

WHO IS ELIGIBLE?
Public Sector Mortgage is available to a broad range of professionals — including teachers, nurses, gardaí, doctors, army officers, civil servants, and other government or state-employed workers. If one partner in a couple works in the public sector, your household may still qualify under the scheme.

It’s ideal for first-time buyers climbing the property ladder, existing homeowners switching lenders, or those upgrading to a larger home. It also suits public sector staff wishing to release equity to fund home improvements, education costs, or other personal needs.

NON-NATIONALS ALSO QUALIFY
The majority of non-nationals who work in public sector will still qualify for a public sector mortgage. The following visas kare accepted.

🔹 Stamp 1
🔹 Stamp 10
🔹 Stamp 3,2
🔹 Stamp 4
🔹 Stamp 5
🔹 Stamp 6

This is not the case when applying through the normal pillar banks in Ireland.

Please note that applicants do not have to be passed their probation period to qualify.

CREDIT ISSUES
If you have some issues with your credit score, you may still qualify for a public sector mortgage. If the credit issue can be explained and is not too significant, other applicants still qualify. However, applications are assessed on a case-by-case basis. Examples of credit issues that may be overlooked are:

🔹 missed credit card payments or old student loans
🔹 issues of repayments of loan due to an uncooperative ex-partner, etc.

Visit us to Read more: mmadvisors.ie/public-sector-mortgages/

"For more Details to know.

Company: Money Maximising Advisors Limited

Visit: mmadvisors.ie/
Call: +353 91 393 125
Email: office@mmadvisors.ie
Address: Unit 3, Office 6, Liosban Business Park, Tuam Rd, Galway, Ireland

Public Sector Mortgage Online Calculator | Public Mortgage Lenders | Money Maximising Advisors

Looking to grow your property portfolio or unlock capital for new investments? At Money Maximising Advisors, we help landlords make the most of their assets through tailored buy to let equity release solutions.

Whether you're planning to release equity from house for buy to let, or considering remortgaging a buy to let to release equity, our team offers expert guidance every step of the way. We make it easy to understand your options with our intuitive Buy to Let Equity Release Calculator, allowing you to estimate how much equity you could unlock in minutes.

From remortgage buy to let release equity options to structuring your equity release buy to let mortgage, we connect you with competitive deals that align with your investment goals. With access to a broad network of lenders, we simplify the process of finding the best solution—whether you need a BTL equity release, or are seeking to switch your existing buy to let mortgage equity release plan.

Diarmaid Blake, Managing Director of Money Maximising Advisors Limited, is a Qualified Financial Adviser (QFA) with a strong background in accounting and finance. With nearly a decade of experience in the financial services industry, Diarmaid brings deep insight into equity release strategies and investment planning, helping clients unlock the full potential of their property assets.

📞 Book a Free Consultation Today
Start your journey to smarter property investing with Money Maximising Advisors — your trusted experts in equity release on buy to let.

Visit us to read more:- mmadvisors.ie/buy-to-let-mortgage

For more Details to know.

Company: Money Maximising Advisors Limited

Visit: https://mmadvisors.ie/
Call: +353 91 393 125
Email: office@mmadvisors.ie
Address: Unit 3, Office 6, Liosban Business Park, Tuam Rd, Galway, Ireland

Equity Release On Buy To Let Properties By Money Maximising Advisors

Remortgage or Switch Your Existing Mortgage and Release Cash/Equity up to €100,000

Benefits Summary

Remortgage and release equity for the following reasons;

✅ Debt Consolidation

✅ Home Improvements

✅ Medical expenses

✅ Education costs

✅ Funding deposit for another property

✅ Buying out an ex-partner’s ownership of a property as part of a separation/divorce agreement

✅ Helping your children with a deposit to purchase their own property.

🔹 Competitive rates available 🔹 Apply online and get approval within 48 hours 🔹 40-year terms available 🔹 Can lend to applicants 80th birthday 🔹 Also available on buy-to-let properties

If you need funds for home improvements, education costs, or simply want to reduce your monthly outgoings, a Equity Release Mortgage could be the solution. This allows you to borrow against the value you’ve built up in your home, without selling or moving.

What Can You Use the Funds For?

There are many approved reasons to release equity from your home. Whether you’re planning renovations, covering medical or education expenses, or helping a family member with a deposit for their own home, this flexible option puts you in control. It’s also ideal for managing inheritance tax liabilities, separation-related costs, or even as a deposit on a second property or holiday home. Some homeowners also choose this route to consolidate short-term loans and lower their monthly repayments.

Do You Qualify?

🔹 You must have equity in your home

✅ The property’s market value must exceed the outstanding mortgage ✅ Typically, within an 80% loan-to-value (LTV) ratio

🔹 A clean credit history over the past five years is required

How Much Can You Access?

🔹 Release up to €100,000 with minimal paperwork 🔹 For amounts over €100,000: ✅ Self-certified cost estimates required ✅ Planning permission needed if structural work is involved

How Much Can You Access?

🔹 Completed salary certificates 🔹 Recent payslips 🔹 Six months of bank statements 🔹 Six months of loan statements 🔹 If borrowing over €100,000: ✅ Quotations for proposed works ✅ Planning documentation for proposed works

💡 Watch These Real-Life Scenarios on YouTube

Example:

How One Couple Unlocked €75,000 from Their Home—Without Touching Their Savings

John and Mary, both teachers with a combined income of €100,000, own a home valued at €350,000. With a mortgage balance of €200,000, they have €150,000 in equity. By remortgaging for €225,000, they clear their existing loan and free up €75,000 in cash. They can now renovate their home, support their children’s education, help with a second property purchase, or reduce debt— all without dipping into savings.

Example:

Turning Equity Into Opportunity: A Smart Divorce Settlement Solution

Tommy and Jane have recently decided to divorce. They are both joint owners of their family home which has a current market value of €400,000 and a mortgage outstanding of €100,000.

As part of their settlement agreement, Jane is going to stay in the family home with their 3 children and Tommy is going to move out.

Tommy will remove himself from owning the property if he receives €100,000 compensation payment from Jane.

Jane remortgages the property for €250,000 using an equity release mortgage. With this new mortgage she clears the old mortgage balance, pays Tommy his €100,000 as part of the settlement and uses the remaining €50,000 to renovate the family home…


Read More: https://mmadvisors.ie/equity-release-mortgages/

Remortgage or Switch Your Existing Mortgage and Release Cash

Hey there, Diarmaid here from Money Maximising Advisors.

If you're thinking about selling your current home and buying a new one, you're in the right place. In today’s episode, we’ll guide you through how to secure a mortgage while making that big move – without the usual confusion or stress. Whether you're upgrading, relocating, or simply changing pace, this podcast will help you understand the process clearly and make informed financial decisions. Let’s get started!

Get a Mortgage When Selling Your Home and Buying Another
Navigating the housing market can feel like a daunting rollercoaster ride, especially when you’re selling your current home and looking to buy another. If you’ve found yourself in this whirlwind of buying and selling, you may be wondering how to manage the financial side of things—specifically, securing a Buy To Let Mortgage Ireland while juggling two properties.

Many homeowners overlook one powerful option: leveraging their existing equity. By understanding how to release equity from home during the transition, you could unlock funds that make purchasing your next dream home much smoother. Whether you’re considering an Equity Release Mortgage Rates or exploring other avenues like public sector mortgages in Ireland, getting informed is key.

In this guide, we’ll delve into the intricacies of obtaining a mortgage while selling andm buying property simultaneously. From discovering potential benefits to tackling challenges head-on, we’ve got you covered with insights that will empower you on this journey. Let’s dive into what it takes to make your next move seamless and rewarding!

 

Understanding the Home Selling and Buying Process
Selling and buying a home simultaneously requires careful planning. 

Start by assessing your current property’s value through market research or an appraisal. This step helps you set realistic expectations and timelines.
Next, consider the state of the housing market in your area. Are homes selling quickly, or is it a buyer’s market? Understanding these dynamics can shape your strategy for both selling and purchasing.
Once you’ve sold your home, it’s essential to have a clear picture of how much equity you have available. This equity can significantly impact the financing options for your new purchase.
Simultaneously searching for a new home while managing offers on yours adds layers of complexity. Stay organized with open communication between agents and lenders to ensure everything flows smoothly during this transitional period.

Enquire Now  – to unlock the potential of your property today with Money Maximising Advisors.

Benefits of Getting a Mortgage When Selling and Buying
When selling your home and buying another, securing a mortgage can be an advantageous move. It allows you to leverage the equity you’ve built in your current property. This equity can serve as a significant down payment on your new home.

Moreover, getting a mortgage while juggling both transactions provides flexibility. You won’t feel rushed to sell or buy at unfavorable terms. Instead, you can negotiate better deals that suit your financial needs.

Another benefit is locking in lower interest rates, especially if market conditions are favorable. This could translate into substantial savings over the life of the loan.

Additionally, it simplifies budgeting by providing clear monthly payments for your new home purchase. Having this clarity helps manage finances effectively amidst the transition period of selling and buying properties.

For more details, Visit us: https://mmadvisors.ie/get-a-mortgage-when-selling-your-home-and-buying-another/

Get a Mortgage When Selling Your Home and Buying Another

Hi there, my name is Diarmaid and I am the CEO of ⁠Money Maximising Advisors⁠. So we are a team of certified financial planners, qualified financial advisors, and tax advisors. We provide expert financial advice to both the public and the private sectors on pensions, investments, mortgages, life insurance, redundancy, estate planning, inheritance tax planning, budgeting, and cash flow forecasting. So to help our website visitors, social media followers, and clients get a better understanding and educate themselves on the main products and services that we offer, we have recorded a series of short AI podcasts outlining the main features and benefits of each of these. After listening to this podcast, if you would like further information or would like to schedule a call with one of our highly qualified and experienced financial advisors, you can schedule a time and date that suits in the calendar link below. That's it for now. Hopefully you enjoyed the podcast and speak to you soon.
Alright, let’s get into it —
⁠Public Sector Mortgages⁠Bigger Loans. Lower Rates. Faster Approvals – Exclusively for Public Servants.
As a public sector employee, you’ve dedicated your career to serving others. Now it’s your turn to benefit — with a mortgage designed specifically to recognise your stability, reliability, and long-term earning potential.
Whether you’re buying your first home, moving to a new one, switching lenders for a better rate, or releasing equity — a Public Sector Mortgage offers some of the lowest interest rates in Ireland, enhanced borrowing power, and a straightforward application process — with approvals possible in just 48 hours.Benefits Summary:
You can qualify for a larger mortgage than you would through a typical bank.Future salary is used as qualifying income — up to 5 points ahead of your current pay scale.Children’s allowance is counted as income.40-year mortgage terms are available, if needed.Lending can continue right up to the applicant’s 80th birthday.Proven repayment ability rules are less strict.Flexible repayment options.A streamlined online application process.Available for first-time buyers, switchers, and equity release.Competitive rates.Probation is waived for public sector employees — even new entrants or internal promotions.Up to 20% overpayments allowed.Up to 4 applicants can apply together.You can include overtime and allowances.
A Mortgage Designed Around YouTo make homeownership more accessible, we assess your income at 4 points above your current salary scale, giving you greater borrowing power straight away. We also include 100% of your regular overtime and guaranteed allowances, so long as these are confirmed by your employer.
Even if you’ve just been promoted or you're still in probation, we look at your employment history and role suitability. Our mortgage consultants are specialists in public sector pay scales — making the journey from application to approval faster and more efficient.
And here’s the key — only one applicant needs to be in the public sector to qualify. Whether you're a first-time buyer, moving again, refinancing, or even looking to invest — a public sector mortgage could be the ideal fit.
Why This Mortgage Stands Out
Not only are the rates some of the most competitive in the market — you can choose from variable, 3-year, or 5-year fixed rate options. Plus, flexible repayment terms help your mortgage adapt with you, as life changes.
Who Is Eligible?
This mortgage is open to a wide range of public sector workers — teachers, nurses, Gardaí, doctors, army officers, civil servants, and others employed by the State. Even if just one partner in a couple works in the public sector, your household may still qualify.


It’s perfect for:
First-time buyers getting on the property ladderExisting homeowners switching lendersPeople upgrading to a larger homeOr those looking to release equity for renovations, education, or personal needs


Listen to Our Public Sector Mortgage Guide

Host (Diarmaid): Hi there, my name is Diarmaid and I’m the CEO of ⁠Money Maximising Advisors.⁠ We’re a team of certified financial planners, qualified financial advisors, and tax advisors. We provide expert financial advice to both the public and private sectors on everything from pensions and investments, to mortgages, life insurance, redundancy, estate planning, inheritance tax, budgeting, and cash flow forecasting.
To help our website visitors, social media followers, and clients get a better understanding of the services we offer, we’ve recorded a series of short AI podcasts outlining the main features and benefits of each. If you’d like to find out more or book in a call with one of our advisors, just click the calendar link in the description.
Right, let’s get into it. Today I’m joined by Jessica, one of our senior mortgage specialists. Jessica, thanks for joining me.
Guest (Jessica): Thanks a million, Diarmaid. Delighted to be here.
Host (Diarmaid): Today we’re chatting about a really exciting product — the Public Sector Mortgage. This one’s tailored specially for public servants — nurses, teachers, Gardaí, civil servants, anyone working in the public sector really. And I suppose the idea behind it is simple: Bigger loans. Lower rates. Faster approvals.
Guest (Jessica): Exactly! Look, public sector workers are the backbone of Irish society. They’ve shown stability, dedication, and reliability over the years — and this mortgage recognises that. It gives them access to better borrowing capacity and more flexible terms than you’d usually get with a standard bank mortgage.
Host (Diarmaid): So what kind of perks are we talking here?
Guest (Jessica): Well, for starters, you can qualify for a larger mortgage than you would through a typical bank. That’s because we can use your future salary — up to five points ahead on the current payscale — when assessing your income. And the great news is we can also count allowances, overtime, and even children’s allowance as income.
Host (Diarmaid): Now that’s something you don’t hear every day!
Guest (Jessica): Absolutely! And there’s more — we can offer mortgage terms of up to 40 years, and we’ll lend right up until the applicant’s 80th birthday. It’s all about flexibility. The repayment rules are less strict too — we’re not as harsh with the “proven repayment ability” criteria like some high street banks can be.
Host (Diarmaid): Sounds like a smoother process all around.
Guest (Jessica): It is! The application is streamlined, mostly done online, and the approval can be turned around in as little as 48 hours. First-time buyers, switchers, and those looking for equity release are all eligible. We even allow up to four applicants per mortgage, and up to 20% overpayments if you want to clear it faster.
Host (Diarmaid): One of the standouts for me, Jessica — and I know this helps a lot of our clients — is the waiver of probation. Can you talk about that?
Guest (Jessica): Of course. So, if you're a new entrant to the public sector or you've just been promoted internally, this mortgage waives the probation period requirement, which is often a stumbling block with other lenders. That’s a huge advantage for newer staff looking to get on the property ladder sooner.
Host (Diarmaid): So in a nutshell, it’s designed to reward public servants for their stability and long-term earning potential. And honestly, it just makes the mortgage process more fair for them, doesn’t it?
Guest (Jessica): That’s it. It’s about giving them the recognition — and the opportunities — they truly deserve.
Host (Diarmaid): Brilliant stuff. Well, if you’re a public sector worker and you’re thinking of buying your first home, trading up, switching for a better rate, or pulling some equity out of your home — this could be the perfect fit for you.
Thanks again, Jessica, for the insights.
Guest (Jessica): Pleasure as always, Diarmaid.
⁠Contact Us Booking Calendar⁠



Public Sector Mortgages discussion Podcast with Jessica


Welcome back! Let’s dive into today’s topic, one that’s especially important for those of you working hard in the public sector. If you've ever wondered about your mortgage options as a public servant, you're in the right place. Let’s talk about bigger loans, lower rates, and faster approvals tailored just for you — Exclusively for Public Servants in Ireland.

If you're a public servant, whether you're a teacher, nurse, Garda, doctor, civil servant, or part of the Defence Forces, there are dedicated mortgage options that can give you far more flexibility and value than traditional banks typically offer.

Let’s look at the key benefits:
You can qualify for a higher mortgage amount compared to standard lending criteria. Lenders can assess your future salary five points above your current scale. Overtime, confirmed allowances, even your children's allowance, all count as income. That’s not something you’ll find at most mainstream banks.

You’ve got access to up to 40-year mortgage terms, and lending can extend all the way until your 80th birthday. That means more manageable repayments and more borrowing power.

There’s more flexibility with repayments, too, fewer rigid rules. You can overpay by up to 20% without penalties. And if you're a first-time buyer, switching your mortgage, moving house, or even releasing equity, this route could suit you perfectly.

Newly promoted? Still in probation? That’s fine. You can still apply. In fact, only one applicant in the mortgage needs to be a public sector worker. And yes, up to four applicants can apply together, making it ideal for friends, couples, or siblings joining forces to buy.

Enhanced Borrowing Power:
Your income is assessed with greater future potential in mind. Guaranteed overtime and allowances are considered fully. Promotions or probation periods won’t hurt your chances, lenders understand public sector employment structures inside out.

Eligibility:

This is open to a broad range of public sector professionals. Even if you’re a non-national, you could qualify under various visa types, including Stamp 1, 1G, 2, 3, 4, 5, and 6, with no need to have passed probation.

Credit Concerns?

Even if you’ve had a few credit bumps, such as missed payments or delays due to a former partner, you may still be considered. Each application is reviewed on its own merit.

Requirements?

Applicants must be over 18 and the mortgage must end before turning 80. The property must be in the Republic of Ireland and used as your main home. You’ll need a 10% deposit, which can come from savings, the Help to Buy scheme, or even a gift.

And the best bit? Fast-track online applications mean approval could come in as little as 48 hours.


If you’ve got questions, and let’s be honest, mortgages can raise quite a few, don’t worry. We’ve pulled together a handy FAQ section covering everything from eligibility to credit history and deposit options. So if anything’s still a bit unclear, head over and have a quick read, it might just answer your question before you even need to ask.

That’s it for today’s episode. Whether you’re just starting your homeownership journey or looking to switch to a smarter mortgage option, remember: being in the public sector puts you in a uniquely strong position. Make the most of it.

Until next time — take care, and happy house hunting. 


Public Sector Mortgage Podcast

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