At McCarney Financial Services we feel that we have expert knowledge to enable us to advise you in the areas of Mortgages, Pensions, Investments, Life/Protection Plans and General Insurance.
We pride ourselves on the advice that we offer and ensure that any recommended products meet your requirements, because of this we have a fee structure in place which may be charged in respect of work carried out on your behalf.
The initial fact find meeting is of no cost to you. This is an important meeting where we gather information about you, your family and your financial circumstances. This information is used to highlight and prioritise your financial needs and objectives. This is also an opportunity to decide if our firm and you as the customer would like to work together. At this meeting we will establish if any fee is payable for our services and we will also advise if we will receive any additional commission in respect of the services provided to you.
Finally, you also have the option to pay in full for our service by fee. All fees will be discussed and explained in detail and agreed in writing prior to services being provided.
There is no fee for our initial fact find meeting. For new mortgage applications we propose to charge a fee of €500 over two stages:
Where a loan approval expires and additional time and resources are required in order to reapply or to have the existing approval reinstated, then an additional fee of up to €500 will be charged on a case by case basis.
We receive commission from lenders of up to 1% of the mortgage loan amount and any commission received will be clearly communicated to you. If for any reason a lender does not pay us commission then a fee of up to 1% of the mortgage amount will be payable by you at closing and again this is explained and agreed in writing at the outset.
The initial fact find meeting is at our own expense. Where we receive commission from an insurance company this will be clearly communicated to you. Depending on the nature and complexity of the service provided to you and the time and resources spent in carrying out reviews etc. then a fee may be required in order to cover our outgoings. Any proposed fee will be discussed and agreed with you in writing.
We receive commission of up to 20% of your annual premium. Any commission received will be clearly communicated to you.
In the event that any of our customers require assistance in making a claim we propose to charge up to 15% of the successful claim amount. All fees will be discussed and agreed in writing at the outset.
Please note: Valid from April 2015 and subject to change.
If you require more information on residential mortgages, investment/BTL mortgages, commercial mortgages, life assurance, mortgage protection, investments, pensions or permanent health insurance please do not hesitate to get in touch with our friendly team on 01 830 5432 or email email@example.com.
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"I ignored the advice of a number of other friends suggesting a broker wasn't really needed - and am thoroughly glad I did. Engaging with McCarney Financial Services was the best decision I made throughout the whole house buying process. All of my questions along the way were handled in a quick and hassle-free way, along with bits of helpful advice at every stage in the process - and all this with a very personal touch. Highly recommended."
"Now that I have all the boxes unpacked and beds reassembled, I just wanted to drop you a quick note to thank you for all the effort you put in over the last 18 months on my mortgage application(s). It was much appreciated. I have a colleague in work who applied for a mortgage directly and is currently working his way through a nightmare of lost documents and an unresponsive bank - best decision I ever made was to go through yourselves to handle the mortgage application. I will definitely be recommending McCarney Financial Services to friends and colleagues."
"I am grateful to Ciaran for helping me get my mortgage and all that goes with it ie: mortgage protection, serious illness cover, income protection & pension. When I fell ill 4 years ago my mortgage was cleared and I had extra income to support me while out of work. Ciaran is just a phone call away to offer support and advice when needed."
"Ciaran and his team secured a tracker mortgage portability product for us with PTSB in a very short timeframe, allowing us to move into our new home much sooner and with all the hassle taken away. We cannot recommend McCarney Financial Services highly enough."
S. & E.
"I have had dealings with McCarney Financial Services since 1999 when it opened. Ciaran and all his team are wonderful to deal with – the level of efficiency and professionalism is second to none and nothing is ever a problem. Ciaran is very experienced in all financial matters and this experience is evident in the smooth running of all files he deals with, no matter how complex."
Sean Gallagher & Company Solicitors
"After a number of months of letters, emails and phone calls made by Mc Carney Financial Services the bank eventually agreed to give me my Tracker facility, in addition I received a substantial refund of overcharged interest that I paid while on the higher rate. Had I not employed the services of McCarney Financial I would not have received such a favourable result, I couldn't recommend McCarney Financial Services enough."
"Every step of the way, Ciaran and his team kept in constant communication with us, explaining what the next step was, ensuring that all our needs and requests were met and at times going beyond what was expected of them. We would have no hesitation in recommending McCarney Financial to friends, family or anybody out there thinking of buying or moving home."
Chris & Lynne
"We would like to take this opportunity to thank you for a very professional and pleasant experience. Just as we were giving up all hope on our dream move, a friend recommended yourselves and after our initial meeting that move became a reality in a very short time."
Mark & Sheila