SCK Group - Financial Services

Let us help you become aware of the best options available to you for your mortgage, savings and investments, insurance and pension needs. 

With the continuous growth in our accountancy and property departments, we have now established our own in house Financial Services department.   We will research the market to source the best product to suit your needs.

Mortgages

Whether you are a First Time Buyer, Moving House, considering Home Improvements or Investing, we can offer you the best independent advice on the mortgage options available to you. 

Is this the right time to change to a fixed rate mortgage?  Contact us for advice.

Mortgage Arrears

Are you in arrears or having difficulty paying your bills? 
Let us prepare a budget plan for you and talk to the bank on your behalf.

We can offer you advice on the best options to suit you and avoid legal proceedings by your lender. 

We will plan an alternative repayment schedule to present to your lender, which they are obliged to consider before seeking repossession of your home.

We can meet your lender with you or on your behalf, and negotiate a solution that will take into consideration your personal circumstances and your ability to meet repayments.
Don’t ignore your mortgage arrears, contact us today. 

Your first meeting with us is FREE.  We can meet you after hours or on Saturdays if required.

Savings and Investments

• Regular Savings
• Instant Access
• Short, Medium, Long Term Savings
• Investment Funds
• Stock/Shares
• High Risk/High Return
• Low or No Risk/Lower Return
  

Contact us for advice on the best products available to suit you. 
We can advise you on the various Bank Guarantee Schemes including the Irish Government Bank Guarantee Scheme and Eligible Liabilities Guarantee Scheme (ELG Scheme) which came into effect in December 2009.

Before investing, ask yourself:

• Why do I want to save or invest?
• What risks am I willing to take with my money?
• Do I want an income from my investment or would I like to achieve capital growth?

The fees and charges applied by the various institutions can impact on the overall return on your investment.  Talk to us today and we can advise you on how best to minimise this impact.

Pensions

Don’t put off starting your pension until next month, next year…. never!

By making contributions to a pension plan, you are protecting and creating a future income stream for yourself when you retire, be that at 55, 65 or 75 years of age.

If you are paying income tax at either 20% or 41%, you are effectively getting back either 20 cent or 41 cent for every euro you contribute.  In essence, a pension plan can be described as a very tax efficient savings scheme which builds into a sum to be available to you when you retire. Upon retirement, you can take up to 25% of the value of the fund in a tax free cash lump sum and the balance of the fund is used to provide you with an income during your retirement years.

Call us today for a FREE consultation.

Insurance

You need to protect your income and your family against unforeseen circumstances. Talk to us and we can advise you on the following:

• Life Assurance/Serious Illness Cover
• Income Protection
• Home Insurance
• Health Insurance