Mortgage & Income Protection

…for peace of mind for you and your family

Mortgage Protection

As part of your Mortgage Package you will be asked to take out a Mortgage Protection policy. This policy is put in place to make sure that, if you were to die during the term of your mortgage, any loan remaining would be cleared.

If you have a mortgage on your private dwelling then you should have a Mortgage Protection policy.

If you have a mortgage on an investment property then you don’t have to have a Protection policy in place but we would advise you to take one out. The reason is that your property may not sell straight away if you were to die. Also, if the property was in negative equity, you would leave debt to be repaid by your dependents.

The following should be noted when taken out a Mortgage protection policy:

You don’t have to take it out with the lender that is providing your mortgage. We can source the market for you and make sure you have choice rather than having to accept a quote from only one company.
You have the option of adding Serious Illness Cover to the policy. This should be explored as it gives you added protection (see the section on Serious Illness Cover).
You have the choice of Joint or Dual life.
You can add a Conversion Option to it.
If you have any existing policies, you can always ask us to review them to make sure you’re getting the most competitive price.

As Financial Brokers we will take you through all the Mortgage Protection options and explain the policies in plain English. We will ensure you are getting the best policy and the best price.

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Income Protection

Income Protection is a type of Insurance that pays you a regular income if you can no longer work due to injury or illness.

It’s aim is to replace some of your earned income once any State Benefits are taken into account, so you could still maintain the level of lifestyle you are used to.

If you are in full time employment or you are self-employed and earn an income you can take advantage of an Income Protection Plan.

If you have people who depend on your income or you have debts you need to pay from your income it is important to make sure you are protected if that income was no longer coming into the household.

It is one of your household’s main Financial Planning priorities.

There are many different options and companies providing this Protection so talk to us if you want to get the widest choice.

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What our customers are saying…

“We were delighted with the service provided by OBG. To put it simply, they did everything for us, including dealing with the banks and life assurance and they endeavoured to get us the best deal for each policy. They were very accommodating, meeting us at locations convenient to us and clearly explaining all of our options in an uncomplicated manner. It took a lot of the stress out of the whole process and we would definitely recommend their services.”

CiaraSligo June 15

“A big thank you to Pauric and all the team in OBG. When I called in my finances were in a bit of a mess. You reviewed all my policies and were able to tell me what I should do and brought to my attention the importance of things like conversion options! Best of all you were able to save me money and give me more cover! Many thanks again and I look forward to doing business with you again in the future.”

GerSligo May 15

“We thought organising a mortgage would be an ordeal. I’d heard so many horror stories that I looked for some independent advice before starting the process. Eight weeks after first approaching Oates Breheny Financial Services I had completed the purchase of my first house, and wondered what all the fuss was about. Shane not only gave me good sound advice, but made the full application on my behalf, chased the Banks for us and helped get us the best deal on our insurances. I have since recommended him to all my friends.”

SinéadSligo March 15

“Thanks just seems so small for all you have done for us! We appreciate so much all the work put in on our behalf to get our mortgage and help us through the whole process, you went over and beyond. I will be recommending you to my friends.”

AislingSligo June 14

“Thank you for your help this year. We appreciate it. We have settled into our new home nicely! If we buy any more houses we will definitely come to you”

GerardDublin via email feedback

“Thank you to all the mortgage team in Oates Breheny Group. People told us it would be difficult to get a mortgage to complete a property but from the time we met, you put us at ease and worked on our behalf to make sure we got our mortgage. Having experts do all the mortgage work for us was a great relief and we will recommend you to all our family and friends.”

MarkSligo Jan 14

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