Remuneration Policy:

Remuneration Policy:

Life, Pensions & Investment Fees:

For Life, Pensions & Investment products we may obtain commission from product producers on a percentage basis. However, you may elect to deal with us on a fee basis which is €150 per hour plus VAT.

Additional fees may be payable for complex cases or to reflect value, specialist skills or urgency, our scale of fees for such cases range from a minimum of €200 per hour to a maximum of €300 per hour plus vat. We will notify you in advance and agree the scale of fees to be charged.

Personal Retirement Savings Accounts (PRSAs) – Fees:

 For PRSA products we may obtain commission from product producers on a percentage basis. However, you may elect to deal with us on a fee basis which is €150 per hour plus VAT.

Additional fees may be payable for complex cases or to reflect value, specialist skills or urgency, our scale of fees for such cases range from a minimum of €200 per hour to a maximum of €300 per hour plus vat. We will notify you in advance and agree the scale of fees to be charged.

If we receive commission from a product provider, this will be offset against the fee which we will charge you. Where the commission is greater than the fee due, the commission will become the amount payable to the intermediary unless an arrangement to the contrary is made.

Mortgages:

We may receive up to 1% of the loan for arranging mortgage finance. This commission is generally paid by the mortgage lender. The actual amount of commission will be disclosed at a later stage in the ESIS (European Standardised Information Sheet) which will be forwarded to you. Information on the variation in levels of commission payable by the different creditors providing credit agreements being offered are available on request.

Where the lender doesn’t pay a fee we will charge you a fee directly at a rate of up to 1% of the loan plus vat (if applicable) which will be mutually agreed in advance.

We access a number of lenders through PIBA mortgages services who charge a fee of €250.00 plus vat on application. This fee is payable on application. We will refund this fee upon successful loan drawdown on mortgages of €100k or more. This refund will be paid once we have been paid by the lender. We do not charge this fee where we have direct agency agreements.

Please note that lenders may charge specific fees in certain circumstances and if this applies, these fees will be specified in your Loan Offer.

You have the right to pay a fee separately and not include it in the loan. Typically, this situation arises in relation to specialist lending.

If we provide mortgage advice and obtain a Loan Offer for you and you subsequently do not proceed with your mortgage application through our firm, we will charge you an arrangement fee of €250.00 plus vat for our services.