1. Home Loans
2. Moving House
3. Re-financing
4. Investment Properties
5. Commercial Loans
6. Life Assurance/Mortgage Protection

7. Home and Contents Insurance
8. Pensions
9. Lump Sum Investments & Deposits

1. Home Loans
Buying a home is a mind-boggling task, particularly for first time buyers.
JPFS Ltd guides customers through the maze of property purchase
by clearing the wood for the trees. From the time you choose a
property to paying the balance on your deposit, we assist you in
securing your new home by finding the right Mortgage and lender to suit you.

Click here to use our online mortgage calculator.

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2. Moving House

Most people move house at least once during their lifetime.
Moving house poses its own set of challenges from having to
sell your existing home to the purchase of a new one. JPFS Ltd.
aims to make the transition as smooth as possible by ensuring your
mortgage gets a speedy approval and by guiding you through each
step of the moving process. Most importantly, we facilitate 'trading up'
at its most cost effective.

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3. Re-financing

Is your mortgage dragging you down?

Are you getting the best mortgage rate from your current lender?

Joe Pitcher Financial Services Ltd has helped many customers reduce the cost of their current borrowings by switching their mortgages and getting better rates. Let us help you start saving today!

Fed up paying interest on a number of loans?

A re-financing mortgage can allow you to include all debts in one monthly mortgage repayment. This makes it easier to track outgoing payments while significantly
reducing monthly costs. Call us to get a comparison of costs.

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4. Investment Properties

This can still be a popular method of investment as monthly rent from tenants helps pay the owner's loan repayments. There is also the added benefit if capital appreciation in that the property starts to occur, while the amount outstanding on the loan decreases.

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5. Commercial Loans

JPFS Ltd can arrange loans of up to 70% for commercial properties
ranging from pubs and B&Bs to retail outlets.

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6. Life Assurance/Mortgage Protection

Although Life Assurance is sometimes dismissed as an unnecessary
luxury, it is vital to have adequate cover to protect your income and
your loved ones against the financial impact of illness or premature death. We advise on a range of policies to cover most eventualities.


Mortgage Protection- Provides for a lump sump payable on death
to cover such costs as mortgage repayments.

Critical Illness Cover- Allows for the payment of a lump sum following a diagnosis of critical illness, sometimes called Specified Illness Cover. It is particularly suited to people with dependents, the self-employed and those with outstanding mortgages.

Business Cover- Allows for the continuity of the business in
the case of the death or critical illness of a key employee or shareholder.

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7. Home & Contents Insurance

For a competitive house and contents quote, please contact us today : info@jpfs.ie or call us at 01 8128599

For mortgage clients another key element of the mortgage process is ensuring that an appropriate house and contents policy is in place when you take possession of your property. To ensure a smooth closing you must provide a copy of your house insurance policy with the appropriate indemnity letter, and lenders interest noted, to the relevant financial institution prior to mortgage cheque issue.

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8. Pensions

Thankfully most people outlive the standard retirement age of 65 years. However as most pensioners will testify, it can be hard to survive on a state pension alone. Contributing to a pension scheme is the most tax efficient method of providing for your future whilst guaranteeing a comfortable retirement. At JPFS Ltd. we offer a range of schemes that can be tailored to suit your specific needs.

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9. Lump Sum Investments & Deposits

Is your money working for you? With interest rates at present low levels it is vital to ensure the best possible returns for your hard earned cash.

Joe Pitcher Financial Services Ltd. can advise you on abroad range of suitable investment products and deposits to meet your specific needs.

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