https://lyonsfinancial.newsweaver.com/newsletter/ en-us 29 Apr 2026 10:55:19 IST 29 Apr 2026 10:55:19 IST https://lyonsfinancial.newsweaver.com/newsletter/rss.xml Newsweaver health@lfs.ie (Lyons Financial Services) support@newsweaver.ie (Newsweaver) 60 true https://lyonsfinancial.newsweaver.com/newsletter/1ih3xasy8yr?lang=en&rss=true After a period of sharp rate increases, we’re now seeing a shift, with lenders in Ireland beginning to reintroduce more competitive fixed rates as market confidence improves. But here’s what many homeowners don’t realise: Your lender is unlikely to proactively offer you a better deal. 18 Mar 2026 12:00:00 GMT 864639862145faf6b72e051d3368728f ARTICLE_2_COLUMN-clone-4726677-20260318-085305 <p>After a period of sharp rate increases, we’re now seeing a shift, with lenders in Ireland beginning to reintroduce more competitive fixed rates as market confidence improves.</p> <p> </p> <p>But here’s what many homeowners don’t realise: Your lender is unlikely to proactively offer you a better deal.</p> <p> </p> <p>After a period of sharp rate increases, we’re now seeing a shift, with lenders in Ireland beginning to reintroduce more competitive fixed rates as market confidence improves.</p> <p> </p> <p>But here’s what many homeowners don’t realise <strong>Your lender is unlikely to proactively offer you a better deal.</strong></p> <p> </p> <p>If you fixed your mortgage 2–5 years ago or have been sitting on a variable rate, there’s a strong chance your current rate is no longer competitive, especially as new customer rates begin to soften.</p> <p> </p> <p><strong>What’s Changing in 2026?</strong><br>- Increased competition among Irish lenders  <br>- More attractive fixed-rate options returning  <br>- Greater flexibility for switchers and refinancers  </p> <p> </p> <p><strong>Why This Matters</strong><br>Even a 0.5% difference in your rate can translate into<strong> thousands saved over the lifetime of your mortgage, and often hundreds per month in the short term.</strong></p> <p> </p> <p><strong>The Switching Myth</strong><br>Many people assume switching is complicated or not worth the effort, but in reality:<br>- The process is more streamlined than ever  <br>- Legal support and cashback offers can offset costs  <br>- The long-term savings often far outweigh the short-term admin  </p> <p> </p> <p><strong>Quick Insight:  </strong><br>We’re seeing more clients revisit their mortgage now than at any point in the last few years, and those who act early are securing the best value.</p> <p> </p> <p><strong>Book a free mortgage review - we’ll assess your current rate and outline your options clearly</strong></p> https://lyonsfinancial.newsweaver.com/v3files/shard2/53745/4d/81777c04022ec88b599c7c.jpg https://lyonsfinancial.newsweaver.com/newsletter/1ragtnjql2a?lang=en&rss=true One of the biggest risks facing Irish homeowners right now isn’t extreme weather or break-ins, it’s being underinsured without realising it. With construction and labour costs rising across Ireland, rebuild values have increased significantly in recent years, but many policies haven’t been updated to reflect this... 18 Mar 2026 12:00:00 GMT 58b9c4b814e21a3320cbf2139904a9ea ARTICLE_2_COLUMN-clone-4726677-20260318-085305 <p>One of the biggest risks facing Irish homeowners right now isn’t extreme weather or break-ins, it’s being underinsured without realising it.</p> <p> </p> <p>With construction and labour costs rising across Ireland, rebuild values have increased significantly in recent years, but many policies haven’t been updated to reflect this...</p> <p>One of the biggest risks facing Irish homeowners right now isn’t extreme weather or break-ins, it’s being underinsured without realising it.</p> <p> </p> <p>With construction and labour costs rising across Ireland, rebuild values have increased significantly in recent years, but many policies haven’t been updated to reflect this - <strong>and this only becomes an issue at the point of claim.</strong></p> <p> </p> <p><strong>Market Value vs Rebuild Cost</strong><br>A common misconception is that your home should be insured for its market value.</p> <p>In reality:<br>- Market value includes land and location  <br>- Rebuild cost reflects materials, labour, and construction  </p> <p>If your rebuild value is underestimated, your insurer may not cover the full cost of restoring your home.</p> <p> </p> <p><strong>What This Means in Practice</strong><br>- Partial payouts on claims  <br>- Out-of-pocket costs to complete repairs or rebuild  <br>- Delays and added stress during an already difficult situation  </p> <p> </p> <p><strong>Why This Is Happening Now</strong><br>- Inflation in building materials  <br>- Increased demand for trades  <br>- Older policies not keeping pace with current costs  </p> <p><br>A simple review using up-to-date rebuild calculators can highlight gaps in minutes, and give you confidence that you’re properly protected.</p> <p> </p> <p><strong>Get a free home insurance review - ensure your cover reflects today’s costs, not yesterday’s</strong></p> https://lyonsfinancial.newsweaver.com/v3files/shard2/53745/38/6c86bbd1633fcfbb60eccc.jpg https://lyonsfinancial.newsweaver.com/newsletter/bhul0tykqpc?lang=en&rss=true Household Insurance Premiums starting at €115. Owner Occupied Cover, Let Property Cover, Course of Construction Cover, Self Build Cover, Contents only cover, Unoccupied & More! 05 May 2025 12:00:00 IST 7210dfe89137705a090b1a88cc81f360 ARTICLE_3_COLUMN-clone-4726678-20240529-040755 <p>Household Insurance Premiums starting at €115.</p> <p> </p> <p>Owner Occupied Cover, Let Property Cover, Course of Construction Cover, Self Build Cover, Contents only cover, Unoccupied & More!</p> <p> </p> https://lyonsfinancial.newsweaver.com/v3files/shard2/53745/1e/02f8167a8cbab64d38435c.jpg https://lyonsfinancial.newsweaver.com/v3files/shard2/53745/1e/02f8167a8cbab64d38435c.jpg Get a Quote https://lfs.ie/general-insurance/household-let/ https://lyonsfinancial.newsweaver.com/newsletter/kctozay3zub?lang=en&rss=true Talk to us early! We can assist and guide you to ensure your best chance of success in securing finance to buy a property.. 05 May 2025 12:00:00 IST 97db177b7b8ae80d167c102361dffc3d ARTICLE_3_COLUMN-clone-4726678-20240529-040755 <p>Talk to us early!</p> <p> </p> <p>We can assist and guide you to ensure your best chance of success in securing finance to buy a property..</p> <p> </p> https://lyonsfinancial.newsweaver.com/v3files/shard2/53745/2b/a0ccb17a5b4b27f1e6f3c6.png Find Out More https://lfs.ie/mortgages/complete-mortgage-service/ https://lyonsfinancial.newsweaver.com/newsletter/5t6k558t1q1?lang=en&rss=true Enhance your retirement and reduce your income tax liability. Don’t delay, plan your retirement now. 05 May 2025 12:00:00 IST f53fb8d5808312d5d66b81646e2c1f5c ARTICLE_3_COLUMN-clone-4726678-20240529-040755 <p>Enhance your retirement and reduce your income tax liability.</p> <p> </p> <p>Don’t delay, plan your retirement now.</p> <p> </p> https://lyonsfinancial.newsweaver.com/v3files/shard2/53745/cc/d78cb632dc461b112bfc64.png Find Out More https://lfs.ie/financial-services/pensions/