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Investment Property Planning
Understand how an investment property could fit into your wider financial plan with clear, no-fee advice.
30+ Years’ Experience
Nationwide Service
Property investment should form part of a bigger plan
Buying an investment property can be an important long-term financial decision.
It may offer the potential to build an additional asset, generate rental income or support your future retirement plans. However, it also brings borrowing, maintenance, tax, tenant, vacancy and market-related risks that need to be understood properly.
At Covermore, we help you look beyond the property itself.
We consider how investment property planning may fit alongside your mortgage, pension, savings, protection, income, family commitments and long-term financial goals.
Thank you,
Raphael Ihuoma.
I highly recommend Nigel and Covermore Insurance to anyone looking for reliable coverage and top-tier customer service.
What really stood out was the level of care and dedication he showed nothing was too much trouble, every question was answered promptly, and we always felt completely supported. It’s rare to come across someone so knowledgeable and genuinely committed to getting the best result for their clients.
Thanks to Barry, what could have been a stressful process was handled smoothly and with total confidence. We can’t recommend Covermore highly enough.
We had a fantastic experience with Covermore Financial, and especially with Eric. From start to finish, the mortgage process was smooth and well-handled. Eric’s professionalism, knowledge, and guidance made everything so much easier for us. He truly went above and beyond.
We are delighted with our new home and very grateful for the excellent support we received. Couldn’t recommend Covermore Financial enough!
Emilia was incredibly knowledgeable, patient, and supportive. She took the time to understand my needs and guided me through the mortgage process with clarity and confidence Her professionalism and attention to detail made the entire experience smooth and stress-free.
I wholeheartedly recommend Emilia and the team at Covermore Financial to anyone seeking reliable and expert financial or mortgage services. They go above and beyond for their clients, and I couldn’t be happier with the outcome.
What investment property planning can help you consider
Your long-term financial goals
An investment property should support a clear purpose, whether that is building long-term wealth, creating future income, supporting retirement plans or diversifying your assets.
Your available deposit and borrowing position
You may need to consider how much capital you can commit, what borrowing may be available and how an additional mortgage could affect your wider finances.
Expected rental income
Rental income can form part of the financial picture, but it is important to allow for periods where the property may be vacant, require repairs or generate less income than expected.
Ongoing property costs
Property ownership can involve maintenance, insurance, management costs, taxes, repairs, furnishing costs and other ongoing commitments.
Your existing mortgage and debts
An investment property mortgage should be considered alongside your own home mortgage, loans, savings and monthly financial commitments.
No-fee financial advice.
30+ Years of Experience.
Long-term support.
Clear guidance.
What to consider before buying an investment property
Buying an investment property involves more than choosing the right property.
It is important to consider your deposit, rental income, mortgage repayments, tax, ongoing costs, landlord responsibilities and longer-term plans.
We help you understand the options clearly and consider whether an investment property may suit your circumstances.
Can you manage the repayments if circumstances change?
It is important to think about how you would manage mortgage repayments, maintenance and other costs if rental income changed or the property was vacant.
Are your financial foundations in place?
Before taking on an investment property, it can be sensible to consider your emergency fund, existing debt, protection needs and pension planning.
How much risk are you comfortable taking?
Property values, rental demand, interest rates and maintenance costs can all change.
You should understand the risks involved before committing to another major financial asset.
Is property the right option for your goals?
Investment property can be one route to building wealth, but it may not be the right route for everyone.
We help you consider it alongside other savings, pension and investment options.
How Covermore helps with
investment property planning
At Covermore, we believe good advice starts with a proper conversation. We take the time to understand your life, your concerns, your goals and what you already have in place.
Then we help you identify what may need attention now, what can wait, and what your next smart financial decision should be.
Financial planning should not feel intimidating.
Understand your current position
We start with a conversation about your income, savings, mortgage commitments, pension, existing investments and future plans.
Clarify your investment goals
We help you think about why you are considering property and what you want it to achieve over the long term.
Review your wider financial picture
We consider how an investment property may affect your borrowing, savings, protection, pension planning and family finances.
Explore the mortgage considerations
Where relevant, we can help you understand the buy-to-let mortgage options that may be available and the factors lenders may assess.
We have partnered up with Ireland’s leading Life Insurance providers & Mortgage lenders
Advice based on your situation
Investment property planning should reflect your finances, borrowing capacity, rental expectations and long-term goals.
We take the time to understand your circumstances, explain the options clearly and help you make informed decisions about your next steps.
I am considering my first investment property
We can help you understand the financial commitments, borrowing considerations and wider planning factors involved before you decide whether to proceed.
I already own my home
We can help you consider how an investment property may fit alongside your existing mortgage, savings, pension and household commitments.
I want to build long-term wealth
We can help you explore whether property may form part of your longer-term financial strategy.
I am a company director or business owner
We can help you consider investment property planning alongside pensions, savings, investments and wider business and personal financial goals.
I already own an investment property
We can help you review how your existing property fits into your overall financial position and future plans.
I am planning for retirement
We can help you consider how property, pensions, savings and investments may work together to support your future income needs.
What to prepare before speaking to an advisor
It can be useful to have a general understanding of:
Your available deposit or savings
Your income and regular financial commitments
The type and approximate value of property you are considering
Your expected rental income, where relevant
Your pension, savings and other investments
Your longer-term financial and retirement goals
Do not worry if you do not have every detail ready. We can help you understand what information may be needed.
Plan your property investment with greater clarity
Hidden
Do Covermore charge a fee for financial advice?
Covermore provides no-fee financial advice consultations. We will explain how the process works clearly before you make any decision.
Do I need to know what service I need before contacting you?
No. Many clients come to us because they are not sure what they need. We can help you understand whether your next step relates to your mortgage, protection, pension, savings, investments or wider financial planning.
Can Covermore help if I already have policies or pensions in place?
Yes. We can review what you already have and help you understand whether it still suits your life, goals and current circumstances.
Do you only work with clients in Dublin?
Covermore is based in Dublin, but we work with clients nationwide.
Can you help business owners and company directors?
Yes. We work with business owners, sole traders, partnerships and company directors on pensions, protection, savings, investment planning and broader financial advice.