Ask About Wealth

Start Your Financial Plan - https://askaboutwealth.ie/consultancyForget generic figures like "€1 million". Your number depends on being able to answer 5 core questions discussed in this episode. Get these five right, and you have a real target to plan towards.

For a 1:1 Consultation - https://askaboutwealth.ie/consultancyRevenue says Irish taxpayers are leaving between €400 and €600 million unclaimed every year. In this episode, I break down the five biggest mistakes I see high earners making, and what to do about each one.00:00 The Tax Gap00:52 Pensions vs Mortgage Repayment vs Investing03:25 Accountants vs Tax Planning06:23 When to Go Limited09:43 Estate Planning12:50 Review The Plan14:23 Next Steps

If you would like to get in touch with Sean and his team, you can request an introduction here:https://askaboutwealth.ie/professionals/mortgage-brokersIn this episode of the Ask About Wealth Podcast, we break down how the Irish mortgage market really works and what borrowers need to know in 2026.From first-time buyers to switchers and investors, this conversation covers the practical realities behind getting approved, choosing the right lender, and avoiding costly mistakes.In this episode, we discuss:- Why using a mortgage broker can give you access to the full market and better outcomes- The key differences between PAYE, self-employed, and expat mortgage applications- The hidden costs of a mortgage beyond the interest rate (insurance, fees, structure)- When and why you should review or switch your mortgage and how much you could saveWe also explore how lenders assess income, why limited companies can increase borrowing power, and what current market conditions could mean for interest rates. If you have a mortgage, are planning to buy, or simply want to understand how lending really works in Ireland, this episode will give you a clearer picture of your options.

Free Tools, Report & Broker Introduction Here - https://linktr.ee/ask.about.propertyMost Irish property buyers use mortgages but often miss steps that could save money and improve long-term wealth. This episode shares an eight-step checklist that will help you make the right decisions every step of the way.

Book a 1:1 Consultation and Financial Plan with Paul - https://askaboutwealth.ie/consultancyThis week, Paul sits down with Shane O' Neill from Swissquote to unpack how custody fees quietly erode your wealth, what a transparent trading fee actually looks like, and how a Lombard loan lets you access cash from your portfolio without selling up or triggering a tax bill.

Book a 1:1 Consultation and Financial Plan with Paul - https://askaboutwealth.ie/consultancyTrust funds separate ownership from control and can help protect young or special-needs beneficiaries, keep assets managed responsibly, and support inheritance-tax planning.The episode compares fixed trusts with discretionary trusts, explains will trusts, and highlights key insights, like capital gains tax on lifetime transfers, CGT uplift on death, and how transferring a home may avoid CGT and affect “Fair Deal” planning.00:00 Trust Funds Explained00:52 Why Use a Trust01:47 Fixed Trust Basics02:58 Special Needs Planning05:29 Fixed Trust Tax Perks06:21 Discretionary Trust08:09 Trustee Incentives Warning09:29 Discretion Benefits10:18 Will Trusts12:09 Cautions and Tax Traps13:11 Home Transfers and Fair Deal14:36 Final Takeaways