Looking for a Mortgage, Insurance Cover, Pension, Investment or Debt advice? Talk to us Today!
Our services include, but are not limited to, Mortgage Advice, Life Insurance plans (including life assurance, specified illness cover, income protection, unit-linked savings, investments and pension plans), tracker bonds, structured investments, Pension plans including Personal Retirement Savings Accounts (PRSAs) and Debt Management to mention just a few.
We offer expert impartial advice on a range of products and with access to all major lenders and insurance companies we endeavour to find the best product in the market for our clients, which not only saves time but also provides our clients with the best value for money.
IMS Financial Services is regulated by the Central Bank of Ireland.
IMS Financial provide a confidential, efficient and competitive service. It is provided at a time and place convenient to our clients, either in our offices in Kilkenny, Clonmel Co.Tipperary & Galway or by appointment outside of our office. Contact us Today.
We do the leg work so you don't have to
Be it life | Mortgage | Specified Illness we will find the best prices and policy cover for your individual needs.
Looking to start a Pension or move your existing pension to a better performing pension plan then we can provide the best advice.
Probably the hardest thing we ever have to do is accept our mortality, none of us will be around forever. Life Insurance is one of those products that make us look at our life and accept that at some point the party will have to end, a depressing thought for most people. Without such protection as life insurance you may be leaving your loved ones open to financial hardship after you have gone, funeral costs, mortgage, loans and school fees are just some of the things that have to be faced by your loved ones. At IMS financial we will take you through the process of acquiring the right life insurance cover in a thoughtful and respectful manner. We research a wide range of lenders looking for the most competitive insurance quotes that best suit your circumstances, age and lifestyle. Don't leave your insurance needs to chance, talk to us today.
Finding the correct pension in the Irish pension marketplace can be a daunting task with so many variations and schemes it would make your head spin. We, at IMS Financial, will take the confusion out of the market, We offer a comprehensive Pension advisory service which clearly explaining the pension options available in Ireland and through our suitability process find the pension plan that you require for those deserved years of relaxation and retirement. For many annual annuity pensions, providing an income for life, would be the route to take.
Others may wish to discuss other routes such as post retirement investments, whatever your retirement plans may be an IMS financial adviser can talk you through the pension choices available.
Mortgage for a first time home buyer or upgrading from your current home? Then talk to us. With over 40 years of combined experience in the mortgage market we compare mortgages from a wide range of lenders looking for the best mortgages in the marketplace. At IMS Financial we search for the best terms and conditions for our clients. We will negotiate on your behalf to secure the best mortgage interest rate and mortgage term to suit your finances. We are aware that this may be the biggest investment that most people will make and we want to ensure it will be the best investment you can make. We do the leg work so you don't have to
For more information on Mortgage Options please click HERE
Investing your hard earned money can be a scary process, we are all aware that the highest returns on your investment are linked to the highest risk within a volatile market, some may relish the roller-coaster ride that comes with such an investment whilst most of us are just looking for a good return on our investment. Whatever your attitude to risk we, at IMS Financial have a plan for you.
We provide guidance and oversee plans to improve your position in negotiations with your creditor/banks. We, at IMS, advise on the options to be considered now and into the future, to facilitate a possible re-structuring of your bank debt / Adjustment in your personal liability. We consider potential workout solutions, to include possible re-financing; introduction of new equity (if available), joint ventures, or disposal of assets.
With your written consent, communicate with all third parties on your behalf, where appropriate to negotiation and discuss your outstanding credit facilities and all other associated matters.
We provide a dedicated Debt Management website which can be found HERE.
When you are young you feel invincible, you can take on the world, falling ill or being incapacitated is not a concern for most of us. As we get that bit older we come to realise that while we can still take on the world we are not as invincible as we first thought, a serious illness can take you by surprise and leave you facing a financial shortfall. Specified illness cover is there to providing financial protection to those that are diagnosed and/or may need treatment for an illness deemed serious.
Income protection! Isn’t that just another form of specified illness cover? This can be a confusing area of insurance for even the most savvy of us. While both types of policy are intrinsically linked to loss of income due to inability to work they differ in how the cover is deployed and what specifics they pay-out for. Specified illness is usually paid out as a lump sum upon meeting the criteria laid out in the policy, Income Protection is generally paid in installments after your deferred period and is paid on an on-going basis until you are able to return to work, your policy ends, you reach retirement age or you die, which ever may be first.
There is no specific conditions to be met, if you are certified unable to work the policy will come into effect.
Income Protection Video can be viewed HERE
At IMS Financial we are well placed to provide guidance to both Employer & Employee when choosing to start or update their group pension scheme. Our advisers will take the time to meet with the Employer and Employees. Following a consultation our Adviser will be in a position to advise which Pensions scheme would benefit both Employer and Employee, even on an individual level. We know every employee has different needs at different times in their life.
So, Group Pensions....what is it? In a Group pensions scheme the pension is placed with a pension company and run by the Employer or appointed Trustees . The pension builds using employee contributions, contributions the employer may make, investment returns and tax relief. There is usually a range of funds to choose from. The value of investments may go up or down.
The calculators on this website are built and operated by 3rd Party Financial Institutions unless otherwise stated. They are for illustration purposes only and not a substitute for professional financial advice.
Calculate your mortgage interest repayments with our Mortgage Calculator. The Mortgage calculator on this webpage is built and operated by IMS Financial. It is for illustration purposes only and not a substitute for professional financial advice.
Need Insurance? But not sure how much and what cover will cost. Try the Life Cover calculator. The calculator on this webpage is based upon calculators built by Zurich Life. It is designed to provide guideline indicators for life cover. It is recommended that you speak to your IMS Broker / Adviser before buying any financial product.
Setting yourself up for that well deserved retirement could not be easier with this pension calculator. The calculator on this webpage is based upon pension calculators built by New Ireland. It is designed to provide guideline indicators for Retirement income. It is recommended that you speak to your IMS Broker / Adviser before buying any financial product.
Use our Mortgage Switcher Calculator to see what you could potentially save by switching. The Mortgage Switcher Calculator is operated by IMS Financial. This calculator is for illustration purposes only and not a substitute for professional financial advice. The calculator results will open in a new page.
IMS Financial is regulated by the Central Bank of Ireland as a Financial Advisory and Mortgage intermediary under Consumer Credit Act and Multi Agency Intermediary under 2005 Mediation Regulations. Copies of our regulatory authorisations are available upon request.
IMS Financials principal business is to provide advice and arrange transactions on behalf of clients in relation to Mortgage/ Life and Pension/ Specified Illness/ General insurance/ Debt Management/ Mortgage Repayment Protection Insurance on the products offered by the product producers from whom a written letter of appointment is held. A full list of mortgage providers, lending agencies, insurers, product producers with which IMS Financial deal can be made accessible upon inquiry.
Our full terms and conditions can be made available upon request.
IMS Financial Services complies with the requirements of the Irish Data Protection Act 2018 & the General Data Protection Regulation (GDPR) 2018.
IMS may hold and use the information that you provided or that has been provided on your behalf on computer file, in any dematerialised form or in written hand copy and may pass the information to a third party for administration, regulatory, customer care and service purposes. This information will not be transmitted to any other party other than in accordance with law and any consent that you may have provided.