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Redundancy Advice Ireland: What You Need to Know Before You Sign Anything

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Losing your job is never easy. Whether you saw it coming or it arrived completely out of the blue, redundancy triggers a flood of questions — about money, about what comes next, and about whether you’re being treated fairly. At Money Maximising Advisors Limited , we’ve helped countless individuals across Ireland navigate this exact situation, and one thing is clear: the decisions you make in the first few weeks after redundancy can shape your financial future for years to come. This guide is designed to give you straightforward, plain-English advice on your rights, your entitlements, and the smart financial moves to make right now. What Exactly Is Redundancy? In Ireland, redundancy occurs when an employer needs to reduce the number of employees due to business reasons — such as restructuring, company closure, a reduction in work, or the introduction of new technology. Under the Redundancy Payments Acts 1967–2014 , if you’ve been in continuous employment for at least two years , you are...
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10 Redundancy Mistakes to Avoid When You’re Made Redundant in Ireland: The €200,000 Playbook

  Redundancy in Ireland is not just a job loss, it is a major financial event that can quietly shape your finances for a decade or more. Get it right, and the payoff is transformational: a well-negotiated ex-gratia payment, optimised through the Standard Capital Superannuation Benefit and a pension lump-sum strategy, can leave a mid-career professional €30,000–€50,000 better off than the HR default calculation . Get it wrong, and the vast majority do, and you’ll pay income tax at 40% and USC on money that could have been sheltered. This pillar guide from the Money Maximising Advisors Group — with offices in Galway ( mmadvisors.ie ), Donegal ( jcfc.ie ) and Kerry ( moneysense.ie ) — walks you through statutory redundancy Ireland , redundancy rights Ireland , how the redundancy payment Ireland tax system actually works, and the 10 mistakes we see most often — particularly among Dublin tech and biopharma workers hit by 2025–2026 restructurings at Meta, Google, Intel, LinkedIn, ...
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Planning Your Estate in Ireland 2026: How to Reduce Inheritance Tax and Gift Tax Legally

  If you own a home in Ireland worth more than €500,000 , or a pension pot approaching seven figures, or a business you plan to hand on, estate planning is not an optional exercise. Inheritance tax Ireland (technically Capital Acquisitions Tax or CAT) is charged at 33% on the value of any inheritance or gift above the recipient’s lifetime threshold, and Irish families routinely leave hundreds of thousands of euro on the table by not using the reliefs, exemptions and structures that exist specifically to reduce that bill. This pillar guide covers the current CAT thresholds, the four main relief mechanisms, how to legally reduce inheritance tax in Ireland, and what an estate plan looks like from first meeting to final signed documents. At Money Maximising Advisors , we run written estate reviews for clients across Ireland, with regional partners jcfc.ie in Donegal and moneysense.ie in Kerry. Read More:-  https://mmadvisors.ie/planning-your-estate-ireland-2026-reduce-inherit...
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Retire in 2026? A Practical Retirement Planning Guide for Ireland

  If you are within 10 years of retiring in Ireland , whether you’re targeting 2026 itself or planning for 2030, 2033 or later , this is the decade the decisions get expensive. Get retirement planning Ireland right in the run-up years, and you protect decades of income. Get it wrong, and you lock in mistakes that are hard to unwind. This guide walks you through what retirement planning actually looks like in 2026: State Pension mechanics, private pension drawdown choices (ARF vs annuity vs vested PRSA), how much you actually need, and the 12-month countdown to a smooth retirement date. At Money Maximising Advisors , we run retirement planning Ireland reviews for clients in Dublin, Galway and nationwide, with regional partners jcfc.ie in Donegal and moneysense.ie in Kerry. Read More:-  https://mmadvisors.ie/retire-in-2026-practical-retirement-planning-guide-ireland/
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Why Choosing the Right Mortgage Lender Could Increase Your Borrowing by €50,000

  Most first-time buyers in Ireland assume that mortgage borrowing capacity is a fixed number, a function of income, deposit and the Central Bank’s loan-to-income cap; and that where you apply doesn’t much matter. It matters enormously. Working with the right Mortgage Broker Ireland homebuyers routinely see a €30,000 to €50,000 gap between the lowest-offering Mortgage Lender Ireland and the highest-offering lender for identical applicants. The gap comes from how each bank calculates Mortgage Affordability Ireland rules and, crucially, how each treats non-basic income (bonuses, commissions, overtime, rental income, benefits-in-kind). This guide explains exactly how Mortgage Borrowing Ireland capacity varies across the market and how to structure your Mortgage Application Ireland for the maximum result. Explore our mortgage comparison advice service or book an appointment today. Quick answers: six borrowing questions every Irish homebuyer asks Why do mortgage lenders of...
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First Time Mortgage Buyers in Galway: Inflation and Its Impact on Interest Rates

  If you are saving for your first home in Galway, the headlines around inflation and European Central Bank (ECB) rates can feel disconnected from the price tag on a three, bed in Knocknacarra or a terrace in the West End but the link is direct. Inflation shapes the rate the ECB sets; the ECB rate shapes what Irish lenders charge; and the rate on your loan determines what your mortgage will cost you every month for the next 25 or 30 years. At Money Maximising Advisors , we work with Galway first-time buyers every week. This pillar guide pulls the moving parts apart in plain English, explains where rates are right now, and shows what a small shift could mean for your repayments. Read More:-  https://mmadvisors.ie/first-time-mortgage-buyers-in-galway-inflation-and-its-impact-on-interest-rates/
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How to Read an ETF Fact Sheet: 5 Things to Check Before You Invest in Ireland (2026 Guide)

  Before a single euro goes into an exchange-traded fund (ETF), there are five numbers on the fact sheet that deserve a proper look. Get into the habit of checking them and you turn a confusing two-page PDF into a clear decision. At Money Maximising Advisors , we help individuals and families across Ireland build savings and investment strategies that match their goals, their timeline and their appetite for risk. This pillar guide walks through exactly what to look for on an ETF fact sheet, and how that fits into a wider, tax-aware plan for your money in Ireland. Read More:-  https://mmadvisors.ie/how-to-read-an-etf-fact-sheet-2026-guide/
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