Citywide Financial Solutions

05/06/2026

Entering the Irish property market in 2026 requires navigating a rapidly shifting financial landscape. Following a period where the Central Bank reduced key interest rates, market indicators show that interest rates are now trending upwards again. This updated guide provides the essential Summer 2026 updates for your home buying journey.

https://www.citywidefinancial.ie/post/mid-2026-mortgage-guide-are-interest-rates-rising-again

Entering the Irish property market in 2026 requires navigating a rapidly shifting financial landscape. Following a period where the Central Bank reduced key interest rates, market indicators show that interest rates are now trending upwards again. This updated guide provides the essential Summer 202...

29/05/2026

The long weekend is finally here! 🥳 Whether you are heading out of Dublin for a getaway or just relaxing at home, the last thing you should worry about is your finances.

Let us handle the heavy lifting so you can enjoy your bank holiday stress free. Our office is closing for the long weekend, but we will be back on Tuesday to help you smash your financial goals.

What are your plans for the weekend? Let us know below! 👇

26/05/2026

When two or three people set up a private limited company in Ireland, they do it based on a shared vision, mutual trust, and hard work. They build the business together, and from the outset are aligned on how things should be run.

But there is a silent compliance risk that many Irish business owners ignore - The Laws of Succession.

If your business partner passes away tomorrow, their shares do not automatically return to you or the company. They pass directly to their next of kin (usually a spouse, partner, or a child)

Overnight, you could find yourself sharing executive control of your company with an "accidental co-founder" who knows absolutely nothing about your industry. Here is why this scenario happens, and how to put something in place to prevent it from happening.

https://www.citywidefinancial.ie/post/the-accidental-co-founder-how-an-unprotected-business-partnership-can-turn-into-a-corporate-nightmar

When two or three people set up a private limited company in Ireland, they do it based on a shared vision, mutual trust, and hard work. They build the business together, and from the outset are aligned on how things should be run.But there is a silent compliance risk that many Irish business owners....

21/05/2026

💡 - Did you know you can gift family members up to €3,000 every single year without it ever touching their lifetime inheritance tax limit?

With Dublin property values pushing even modest family estates over the €400,000 Capital Acquisitions Tax (CAT) threshold, future tax bills are a growing worry for Irish families. Using the Small Gift Exemption lets a couple move up to €6,000 per recipient annually completely tax-free - helping you reduce a future inheritance tax burden while watching your family enjoy it today.

Head over to www.citywidefinancial.ie or email us at [email protected] to chat about smart family wealth planning!

12/05/2026

Congratulations to Rob and Jennifer! It’s always a highlight for the team at Citywide Financial to help our clients take such a big step on their property path.

We were thrilled to secure their mortgage and touched to receive such a thoughtful thank you gift🥂🍫

Wishing Rob and Jennifer the very best as they prepare for this next chapter. Thank you for choosing us to be part of your journey!

07/05/2026

Looking for the facts behind the headlines? 📰👇

We've had a good few queries from clients in relation to the new lending practices from Nua Money following last Friday’s Irish Independent article, "Mortgage shake up as buyers can borrow five times income." 🏠

Here is the reality of what’s happening:

🔹 It’s not a universal change. While the "5x income" headline sounds like a total shift, Nua is essentially starting to utilise lending exceptions, similar to how other major banks currently operate.
🔹 Limited availability. These higher lending limits are only available for a small percentage of overall borrowings and are subject to strict criteria.
🔹 Not for everyone. This isn't a "blanket rule" for all applicants. Eligibility depends on specific financial profiles and the volume of exceptions the lender has available at the time.

The mortgage landscape is always shifting, and while more options are great news for buyers, it’s important to know which rules actually apply to your unique situation.

Get in touch to book a chat with our team!
Link to the Irish Independent article below
https://m.independent.ie/business/money/mortgage-shake-up-as-buyers-can-borrow-five-times-income/a1468347405.html

01/05/2026

In the financial world, there is a silent tax that doesn’t appear on your Revenue statement. It’s called the Loyalty Penalty, and in 2026, it is costing the average Irish homeowner thousands of euros every year.

If you have been with the same bank for your mortgage, life assurance, or savings for more than three years, then you are likely subsidising their new customer deals.
What can you do about it? 👇
https://www.citywidefinancial.ie/post/what-is-your-loyalty-penalty-in-2026

In the financial world, there is a silent tax that doesn’t appear on your Revenue statement. It’s called the Loyalty Penalty, and in 2026, it is costing the average Irish homeowner thousands of euros every year.If you have been with the same bank for your mortgage, life assurance, or savings for...

28/04/2026

Will your children have to sell your home just to pay the taxman?

It’s the "hidden" bill that catches most Irish families off guard. 🏠

In Ireland, if your children inherit a property or assets worth more than €400,000, they could be hit with a 33% Inheritance Tax bill. For many, the only way to pay that cash to Revenue is by selling the family home they just inherited.

However
You can set up a specific type of life insurance called Section 72.
Unlike regular life insurance, the payout from a Section 72 policy is specifically used to pay the tax bill and is not taxed itself.
It ensures your kids get the house, not a bill they can't afford.

Don't leave your family with a 33% headache.
Get in touch for a chat about protecting your estate. 🕊️💼

www.citywidefinancial.ie

23/04/2026

Thinking about starting a pension next year? It’s already costing you money today.
Compound interest is the "eighth wonder of the world," but it only works if you give it time. Delaying your pension by just one year doesn't just mean one less year of savings - it means missing out on the final, most powerful year of growth decades from now. Plus, you’re leaving immediate tax relief on the table. Every €100 you contribute only "costs" you €60 if you're a higher rate taxpayer.
Start now to let time do the heavy lifting!

15/04/2026

If your salary stopped tomorrow, how long would your lifestyle - the mortgage, the car, the schools actually last? At Citywide Financial, we see clients every day who insure their phones, their cars, and their pets, but leave their most valuable asset completely unprotected.

Read on to find out why Income Protection is the most critical part of your financial roadmap for 2026.

https://www.citywidefinancial.ie/post/income-protection-your-greatest-asset-isn-t-your-house

When people think about their "greatest asset," they usually point to the family home or a pension pot. However there’s a silent engine behind both of those... your ability to earn an income.If your salary stopped tomorrow, how long would your lifestyle - the mortgage, the car, the schools actuall...