ERA Downey McCarthy Content Feed

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Thu, 01 Jan 1970 01:00:00 +0100

About Us

Thu, 01 Jan 1970 01:00:00 +0100

About Us

Mission Statement

"ERA Downey McCarthy earns customers and clients for life by providing unparalleled service with the highest level of integrity, expertise & professionalism. We do this because we believe that our clients are our greatest source of business."

Our Core Values

We Believe in Hard Work
We Believe in Teamwork
We Believe in Acting with Integrity
We Believe that Honesty is the Best Policy
We Believe in Seeking Solutions
We Believe in Getting Results

Our Commitment To You

Property

We will work to sell your property at the highest possible price, at the best possible terms, within your timeframe, with the least amount of stress and inconvenience to you while keeping in constant communication with you.

Mortgages

We will independently search the mortgage market to ensure that you get the very best mortgage at no extra cost.

Lettings

At ERA Lettings we offer you a professional and fully comprehensive service dealing with all areas of residential lettings and property management.

Financial Services

We will provide independent financial advice that is specifically tailored to your requirements.

Property Sales

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Property Sales

Lettings

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Lettings

Mortgages

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Mortgages

We shop around between all the major lenders and get you the very best mortgage on the market.

First Time Buyers

Mortgages made easy »

Moving Home

Helping you make the move »

Remortgage

Guaranteeing the best rates »

Affordable Housing

Find out more »

Self Build

Helping you call the way »

Investors

Making the right choice »

Financial Services

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Financial Services

If you require advice on mortgages or any aspect of financial planning we can help.

Investments

Grow your money wisely »

Income Protection

Protect your lifestyle »

Pensions

Invest in your future »

Serious Illness Cover

We can help with the right decision »

Life Assurance

Everyday financial planning »

Business Protection

Protection for your business »

Contact Us

Thu, 01 Jan 1970 01:00:00 +0100

Contact Us

ERA Downey McCarthy are situated at 8 South Mall, Cork. See the map below for our exact location and for directions. Parking is conveniently located in the adjoining QPark car park. The entrance to QPark is also on Grand Parade.

General Contact Details

Tel: 021 490 5000 | Fax: 021 490 5005 | Email: info@abetterchoice.ie

Postal Address: 8 South Mall, Cork

Staff Contact Details

Michael Downey: 087 7777117 | michaeldowney@abetterchoice.ie
Sean McCarthy: 086 8385768 | seanmccarthy@abetterchoice.ie
Garry O'Donnell: 087 7522244 | garryodonnell@abetterchoice.ie
Shirley Byrne: 087 9082718 | shirley@abetterchoice.ie
Katie O'Sullivan: 087 9627454 | katie@abetterchoice.ie
Michelle Hartnett: 087 9488004 | michellehartnett@abetterchoice.ie
Finbarr Roche: 086 8282643 | finbarrroche@abetterchoice.ie
Kate Mulcahy: katemulcahy@abetterchoice.ie

News

Thu, 01 Jan 1970 01:00:00 +0100

Living away from home is one of the most exciting experiences for a student, but it does bring with it responsibilities, which is why it can be rather daunting. So before you begin looking for your next home-away-from-home, make sure you consider your options – will you be living with friends, or try living with new people! How much per month can you afford! How far from college do you want be living!

Next contact experienced letting agents such as ERA Downey McCarthy, who can help you find suitable accommodation and properties Cork and at reasonable price and our advice would be to start looking early and take a good look at what’s available, compare your options and make a decision as soon as you can before the best accommodation and student rental property Cork is snapped up!

Once you have found what you are looking for, experienced Cork letting agents ERA Downey McCarthy will answer all your questions about the property rental Cork, what deposit is required, how the tenancy agreement works and any other questions relating to power supply, water supply, telephone/broadband connection, nearby services, etc.

Quiz

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Congratulations to Amy Somers from Carrigaline the winner of our Casey’s Furniture gift voucher worth € 1,000.

Thank you to all those who entered the quiz and the correct answers are as follows:

Q1 : 6
Q2 : All of the Above
Q3 : True
Q4 : Qualified

Resources

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Cork Guide- Cork guide comprehensive guide to cork ireland with details on Cork Businesses Car Hire, Bed & Breakfasts, Self-Catering, Hotels, Hotels & Camping Parks. www.cork-guide.ie

Our People

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Our People

Sean McCarthy BA,DCS,QFA

Director

Sean has a Bachelor of Arts Degree and a Diploma in Computer Science for University College Cork. He is a Qualified Financial Advisor and is on the Cork Committee of the Life Insurance Association and the ERA Ireland marketing Council. Sean has 16 years experience advising clients on finance and property.
Click to Email

Michael Downey B Comm, QFA

Director

Michael has a Bachelor of Commerce Degree from University College Cork. He also has a Diploma in Business Studies from the CIT. He is a Qualified Financial Advisor and a member of the Institute of Bankers as well the Life Insurance Association. Michael has 16 years experience working in the property and mortgage business.
Click to Email

Garry O'Donnell IPAV

Property Advisor

Garry has been working in the property business for over 3 years. He qualified in 2003 with a diploma from Cork College of Commerce in Property Management & Valuations. He has extensive experience in Sales as he worked for a leading Menswear shop in Cork for 6 years. From Glanmire, he is involved in Sarsfield GAA club. Garry believes in providing honest feedback to clients, and giving good sound advice which will lead to positive word of mouth and establishing a good reputation for himself and ERA.
Click to Email.

Michelle Hartnett I.P.A.V Licensee

Property Advisor

Michelle has a Diploma in Auctioneering, Valuing and Property Management from the Cork College of Commerce. She has over 3 years experience in the property industry. She provides an invaluable role to the company by effective marketing of our property portfolio. She will tailor a marketing strategy, including brochure design and virtual tours, for each property to ensure our clients get the best possible price.
Click to Email

Finbarr Roche BA, B.A. M.I.P.A.V.

Property Advisor

Finbarr has a Bachelor of Arts degree and a Diploma in Auctioneers, Valuing & Property Management from the Institution of Professional Auctioneers & Valuers. With over ten years in the property industry, Finbarr recently merged his own company Access Properties with ERA Downey McCarthy in order to become part of what he describes as a major leading property and financial services provider who offer excellent quality service to existing & future customers. Finbarr believes in honesty and integrity in all dealings and endeavours to build a life long relationship with his clients.
Click to Email.

Shirley Byrne

Letting Manager

Shirley is the manager of ERA Lettings. She has over 6 years experience in the business having previously worked with Choices in a managerial role. She offers a professional and fully comprehensive service dealing with all areas of residential lettings and property management.
Click to Email.

Sandra Murnaghan

Administration

Sandra Murnaghan joined ERA in May 2009. Previously Sandra worked for IFG & Ulster Bank and gained a wealth of mortgage experience in her role over the past for 11 years. She liaises with the various banks, building societies and insurance companies to ensure that your cheque is issued on time and with the minimum of fuss. Excellent Customer Service is one of her main objectives.
Click to Email.

Kate Mulcahy

Receptionist

Kate has a Certificate in Auctioneering, Valuing and Property Management from the Cork College of Commerce. She also has 5 years in dealing with the public. Her current role involves dealing with general queries from clients on both property and mortgages. A keen tennis player she is an active member of Crosshaven Tennis Club.
Click to Email.

Testimonials

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Testimonials

Dear Sean
Many thanks for the efficient, courteous and prompt way you dealt with the sale of ‘Cnoc Mhuire’. You kept me informed and up to date with the situation at all times. I really appreciate all your help and would have no hesitation in returning to you company in the future.
Again sincere thanks.
Kind regards
Mary

Thanks a million for all you help with the mortgage. We will put you up for a week in Schull next Summer (at a reduced price!)
Enjoy the Voucher
Joanne & Garry

Thank you for all your hard work pulling off the mortgage. Looking forward to seeing you on June 14th
Thanks a Million
Lisa & Tomás

This is just a quick note to say thank you for all your help in the purchaser of the folks house in Tipperary! Best of luck with the new business!
Ann-Marie & Patsy

Just to say thank you for all the help with getting the mortgage and for taking all my calls!
Thanks a Million.
Audrey & Stephen

Thanks for looking after everything so efficiently for us. We’re almost settled to our new house.
Best Wishes
Judith & Martin Hurley

Sorry for this belated thank-you for all your work (and stress) in selling 8 Cappanoole. We’re very happily settle in our new home.
All the best
Olive & Brian

Just a quick note to say ‘Thank You’ for your help and time in negotiating and organising our new mortgage. We attreciate all the advice and expertise. You made it look too easy!
Congradulations, also on your recent award – All hard work has its just reward! Best of luck to you & your staff in the future
Best Wishes
Saundra & Erin Palmer

Thank you so much for all your help and advice over this difficult time. I will be recommending you to all friends wishing to buy a houses!!!
Thanks Again
Susan & Craigk

Thanks so much for all your help. It was greatly appreciated
Regards
Con & Sharon

Many thanks and much appreciation for your invaluable assistance in purchasing our new home. You made it (almost!) stress free!
Best Wishes
Kieran, Niamh & Lucy

To Sean & All at ERA,
100% service from start to finish
Fiona Sheane, Ard Dara, Blarney, Co. Cork

Dear Sean,
Many thanks for all your help & support. It was a real pleasure doing business with you and your lovely wine was a wonderful touch.
Sincerely
Noel & Edel

Dear Michael
I wish to express my sincere gratitude to you and your company for your assistance and professionalism in conducting the sale of my house. I am so happy with the price that you got for it and I appreciate all the hard work you out into it. At all times you kept me informed of the bidding situation and ensured that we got the best price at the end of the day.
I will have no hesitation in recommending you and your company.
With renewed thanks
Yours Sincerely
Teresa Fitzgibbon, Murmont Park, Montenotte, Cork

To Sean and all at ERA Downey McCarthy
Thank you very much for all the excellent service and for getting a great price for 88 East Avenue. Sincerely Yours
Jim Butler

To Sean,
Thanks a million for all your help & effort with the mortgage. We are absolutely delighted !
Michelle & Brian

To ERA
Please accept this belated note to thank you most sincerely for all your help in January. Hope all is well with you & the business.
Thanks again.
Derek & Sonya

Michael
Thanks for the energy, enthusiasm & professionalism. ERA are lucky to have you.
Well done
Vicki & Eoin McManus

Michael
Now that the dust has finally settled. Thank you, thank you, thank you, and a big thank you also to Siobhan and the other members of staff for all of their assistance. Very much appreciated.
It could have been one of the most stressful times of our lives but thanks to you it was manageable and even, dare I say, enjoyable at times. Again, thanks for liaising with Paul on the various legal loose ends and ensuring that the various pieces of the jigsaw fell into place in a remarkable short period of time. Also, thanks for all your advice along the way in relation to ‘Cois Cuain’ and on the insurance matters at this end.
Who knows but we may do more business again in the future. In any event, should you find yourself on the highways and byways around Macroom, be sure to give us a call before hand and we’ll ‘have kettle on’.
Thanks again for your assistance.
Is muidne
Michael O’Muirthile
Catherine Hurley

Just to say a big thank you for all your help in getting us a remortgage. You worked very hard until you got the right one and what we wanted. Many many thanks. We are absolutely thrilled and glad we chose you.
All the best
Catherine & Tom Barrett

Thank you so much for making buying a house so easy. We really appreciate it.
Kind regards
Grainne & Des
To All the staff at ERA
A simple message for all of you. Just another way of saying Thank You very much ! God Bless ….
Francisco Aida & Elijah

Just to say thanks so much for all your help and advice for the purchase price of the house. You made it seem very simple and straightforward. Thanks also for the ` card, some of the first post I received along with the ESB bill !!!
Thanks again.
Gordon

We’d just like to thank you for all you’ve done for us in securing our mortgage. Thank you so much. It is very much appreciated.
Best Regards
Liz & Gary

Thank you so much John. You made selling very very easy on me.You really did deliver what you promised, with style & a smile.
Thanks again
Phil Galvin

Thank you for the professionalism and courtesy you showed to us during recent sales at Waterfall and Turners Cross.
Sincerely
Owen & Colette Casey

A belated ‘thank you’ for all your help with selling our old house ’21 Longrange, The Powdermills, Ballincollig’. We very much appreciate all your time, effort and professionalism during the weeks it was for sale. We will certainly be recommending you (and ERA) to our friends and work colleagues. You will be glad to know we finally found our ‘dream house’ and hope to move in shortly. Thanks again John for everything.
Best Wishes for the future
Ann Marie & Mark

To John & Joanne
Thanks for all your help & getting a great price on the house. I will definitely be recommending ye no hesitation.
Enjoy the weekend.
Sue O Mahony
(3 Shamrock Cottages, Passage)

I found Sean Mc Carthy to be extremely helpful when searching for a mortgage. Trying to find the appropriate mortgage can be a nightmare, especially for first time buyers. Sean explained the different types of mortgages very clearly and identified a number of packages that were most suitable to my finances. Sean also outlined the various home and life insurance policies that catered best for my situation. Mr. Mc Carthy made the burden of getting a mortgage so much easier for me and that left me time to concentrate on purchasing my home.

Overall, I felt that Sean Mc Carthy was extremely efficient, quick and also added that personal touch that one doesn’t get from other agents. I have had no hesitation in recommending Sean to my friends who are looking for a genuinely helpful mortgage company.
Colm O Donnell, Callan, Co. Kilkenny

Second Hand Sales

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Full Property List

Why Sell With Us?

Thu, 01 Jan 1970 01:00:00 +0100

Why Sell With Us ?

We sell property….in the good times and the bad. Winner of the prestigious ERA ‘Broker of the Year’ we have been the top selling ERA agent Nationwide for 6 consecutive years. If you are thinking of selling we really believe that we can help.

"100% service from start to finish" Fiona Sheane, Ard Dara, Blarney, Co. Cork.

Our Unique Approach

As opposed to just "sticking up a sign" we will take time to talk to you and understand your specific requirements. Selling property can be a stressful time so it is important that you know exactly what to expect. Based on our initial free valuation we will prepare a Marketing & Sales Proposal tailored to you and your property. We believe in putting things in writing so that there is absolutely no confusion should you engage our services...clarity, clarity, clarity. Your personalised Proposal will outline the following:

Suggested Guide Price
Time Frame for Selling
Marketing Strategy
Marketing Costs and when they are payable
Viewing arrangements
Professional Fees
Top 10 Tips for Selling

At this point you can decide to sell, not to sell, to sell with us or to sell with another agent. There is absolutely no charge up to this point.

Honesty

Over 90% of our clients state that honesty is the most important factor when choosing an auctioneer. We agree with them and guarantee honesty in our all dealings with you.

Hard Work

We believe that there is no substitute for hard work particularly in the current environment. We will work to sell your property including after hours and weekend viewings.

Our Record

We have been awarded the ERA ‘Broker of the Year’ for the past 6 years. This means that we have SOLD more property that any other ERA agent Nationwide. Would you like to sell with market leaders ?

Communication

It is said that Communication is the Breakfast of Champions. We will be in constant contact with you so that you know exactly what is happening as your sale progresses. Even if there is no news, we will tell you.

ERA Network

ERA is the largest Real Estate network in the world. With over 40 offices nationwide, 1,000 offices in Europe and over 2,000 in the USA we really can market your property globally.

Highest Possible Price

You are entitled to get the very best price for your property. By following a tailored marketing strategy we believe that we can achieve this for you.

Our Database

Our Property Database allows us to track thousands of buyers at the touch of a button. Once a suitable property comes on our books we can do a buyer search and send your property details to these clients immediately.

High Quality Brochure

We will compile and arrange the printing of a descriptive high quality sales brochure. This will feature comprehensive details of your property including photographs, floor plans and directions to assist viewers. As soon as the brochure is prepared we will send you a draft for approval. Once approved the brochures will be issued to all interested parties including enquiries and those on our database contact management system.

For Sale Sign

We will organise a suitable signboard to be erected at your property. Our mobile number will be on the sign and we can also organise a directional sign on the main road if suitable. Our sign boards are distinctive and well known and they are a very cost effective form of advertising. This of course is optional.

Virtual Tour

Our Virtual Tours allow prospective purchasers to visit your property from the comfort of their own home or office. We include this as part of our marketing strategy.

Web Advertising

In order to give your property maximum exposure we have access to a number of different websites including:

myhome.ie
daft.ie
eraireland.ie
eraeurope.com
abetterchoice.ie
globrix.com
property.ie

Secrets To Selling

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Secrets To Selling

No Clutter
Make sure your property is clutter free as this leads to a feeling of space and comfort.
Outside
Cut the lawn, weed the flower beds and tidy the yard.
No Pets
Your pet may be your best friend but is probably not included in the sale. Minimise any signs of pets as not all purchasers will cherish ‘Max’ as much as you do.
Beautiful Bathrooms
Depersonalise your bathroom. Find a cupboard for all of your shampoos, shower gels, etc.
Three is a Crowd
Most viewers feel uncomfortable if the owner of the property is in the house while they are viewing it. You will only get the best price if the viewers are comfortable.
Kitchen is King
The kitchen is probably the most important room in the house for a purchaser. Ensure that it is clean, fresh and enticing.
Fix It
If there are any dripping taps, blown bulbs or creaking doors fix, replace and oil them.
Financial Facts
Work out your financial situation including legal costs, selling costs, moving costs etc before placing your property on the market.
Be Decisive
Decide at the outset on the price that you will be happy to sell at, then stick to it.
Choose an ERA Agent!

Recently Sold

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Recently Sold Properties

Stamp Duty

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Stamp Duty

What is Stamp Duty?

Stamp duty is the tax payable to the government for changing the documents that specify who owns a particular property.

How much Stamp Duty will I have to pay?

Stamp duty is based on the type and cost of a property. A property is either a residential property, or a site.

How much Stamp Duty applies to a residential property?

Any amounts paid under the cut off of one million euro are taxed at 1%, amounts paid above this are taxed at 2%.

Property Value	Rate
Amounts up to €1,000,000	1%
Amounts over €1,000,000	2%

Stamp Duty on Land and Sites

Property Value	Rate
Up to €10,000	0%
€10,001 - €20,000	1%
€20,001 - €30,000	2%
€30,001 - €40,000	3%
€40,001 - €70,000	4%
€70,001 - €80,000	5%
Over €80,000	6%

When is Stamp Duty payable?

When closing the sale, your solicitor will calculate the exact stamp duty due and you will be required to pay this amount to the Revenue Commissioners. Your solicitor will usually arrange this payment.

Transitional Arrangements

If you have entered into a contract before 8 December 2010 and complete the purchase before 1 July 2011, your stamp duty will be calculated at the lower applicable rate, between the new and the old system.

ERA Network

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ERA Network

To find an office near you simply roll your mouse over the location nearest your home.

Residential Lettings

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Full Lettings List

Recently Let

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Recently Let Properties

Landlord Services

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Landlord Services

Letting Service » | Management Service » | Interior Design » | Block Management »

Letting Service

Initial Property Assessment

We will arrange a free assessment of your property to discuss how to maximize rental potential.

Marketing

The key to a successful letting is maximum exposure of your property to the market place. We will tailor a marketing strategy to suit your requirements to include the following:

Access to our large database of tenants
Display your property in our offices on the Grand Parade
List your property on daft.ie
List your property on eralettings.ie
Place your property on our listing
Press advertising if required
Erect a ‘To Let’ board if required

Viewings

All viewings will be accompanied by one of our staff including evenings and weekends.

Negotiations

We will professionally handle all negotiations to ensure that you get the very best terms.

References

References are required by all tenants. We will verify these references on your behalf and discuss with you for approval.

Lease Agreement

We will produce a letting agreement in accordance with the Residential Tenancies Act 2004. We will arrange that all paper work is complete prior to occupation.

Management Service

Rent Collection

We will collect your rent monthly in advance and lodge it directly into your account minus agent’s fees. Any overdue rent payments are rigorously pursued.

Transfer of Utility Bills

We will oversee the transfer of all utility bills to the tenant’s name.

Inspection Visits

We will visit your property three times per annum and send you a written report after each visit. This gives us an opportunity to check the condition of your property.

Financial Statements

A monthly statement of income is available on request.

Maintenance

We will carry out any maintenance required on your property during the tenancy. We will arrange to have work completed by one of our approved contractors. We are equally happy to deal with any contractor nominated by you.

End of Tenancy

We will inspect your property at the end of tenancy and arrange for return of deposit to your tenant. We will deal with any queries that may arise at this time and arrange any cleaning etc. that may be necessary.

PRTB

We are happy to organise the registration of your property with the Private Residential Tenancies Board.

Interior Design

We have a panel of specialists that can offer our clients a total solution in interior design, fit out and refurbishment. They include:

Interior Designers
Architects Engineers
Solicitors
Builders
Carpenters
Plumbers
Electricians
Carpet Cleaners
Handymen
Cleaners
Security Services
Painters
Gardeners
Landscapers
Tilers

Block Management

The services provided by the Block Management Division include the following:

Preparing Service Charge budgets.
Maintaining bank account and reconciling monthly statements.
Maintaining diary of events and maintenance schedules.
Routine bookkeeping and accounting.
Liaising with Auditors and issuing Auditors Report and Financial Statements to all owners.
Maintaining computer database files in relation to all owners.
Recruitment of Management Contractors and employees.
Arranging routine common area repairs, maintenance and cleaning.
Apportionment of service charges in accordance with the Lease.
Sending each owner their Service Charge invoice and updating accounts records when same is paid.
Arranging Service Charge payments by quarterly Direct Debit where relevant.
Payment of all contractors’ invoices.
Payment of wages and dealing with PAYE and PRSI where relevant.
Dealing with the Inspector of Taxes and the Collector General in relation to all routine tax and Company matters.
Dealing with all telephone and written communications from owners and residents in relation to all matters relevant to the remit and responsibilities of the Managing Agents.
Arranging Annual General Meeting and issuing Notice and Agenda to all owners in relation to same.
Attending Annual Budget Meeting and the Annual General Meeting.
Dealing with breaches of House Rules, Lease Covenants, etc.
Project managing non-routine renewals, refurbishment and works.
Dealing with local authorities, adjoining property owners, etc.
Dealing with any matters in relation to security, break-ins, vandalism, etc.
Taking of minutes at meetings and the issuing of same to Committee members and/or owners.
Issuing of Newsletters to owners and/or occupiers.
Dealing with professional and technical advisors.

Corporate Services

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Corporate Services

Corporate Services » | Find A Rental Property »

Corporate Services

At ERA Lettings we offer all prospective tenants the highest standard of service. We are aware of the difficulties involved when moving to a new area and many new enterprises in the Cork area have used our services to help company managers and staff locate suitable accommodation.

We have a large bank of quality properties in many areas which are sure to suit your individual requirements. We are happy to organize collection from the airport or train station and visit prospective homes with your staff. We pride ourselves on our ability to identify the visitor's needs and ensure we pre-select properties in suitable areas and those that will suit individual households.

ERA Lettings are happy to meet with you or communicate by phone or email to discuss our services further.

Find A Rental Property

Rental Checklist

A security deposit and a month’s rent upfront
Employers reference
Bank reference
Previous landlord’s reference
If self employed, a professional reference ie from an accountant or solicitor.

Secrets To Letting

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Secrets To Letting

No Clutter
Make sure your property is clutter free as this leads to a feeling of space and comfort.
Outside
Cut the lawn, weed the flower beds and tidy the yard.
Beautiful Bathroom
Bathroom should be clutter free and sparkling clean.
Kitchen is King
The kitchen is probably the most important room in the house, ensure that it is clean fresh and enticing.
Furniture
Make sure furniture is modern and in good repair.
Inventory
Keep a detailed inventory of all items in the house to avoid any confusion at the end of the tenancy.
Fix it
If there are any leaking taps, blown bulbs or creaking doors, fix, replace and oil them.
Choose ERA Lettings !

First Time Buyers

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Attention all First Time Buyers

Buying your first home will be one of the most important decisions you will ever make, both emotionally and financially. I remember buying my first home and I found it daunting and I was in the mortgage business at the time! We can help if you want to know.

To Sean,
Thanks a million for all your help & effort with the mortgage. We are absolutely delighted!
Michelle & Brian Kenneally

Do you qualify for a mortgage ?
How much money can you borrow ?
How much of a deposit you will need ?
How long it will take to get approval ?
What documentation you need to get approval ?
How long the approval will last ?
Which lender has the best rates ?
What is the longest term you can get ?
Should you go fixed or variable ?

Would you like to talk to someone you can trust and who will give you the best options based on your circumstances ?

If the answer to any of these questions is yes then you should contact, Sean or Sandra, right now on 021-4905000 or email info@abetterchoice.ie and see how we can help YOU. (No obligation).

PS: We have helped 1000’s of first time buyers...just like you.

Moving Home

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Attention All Movers

Stress..what stress ? We have helped 1000’s of people...just like you move into their new homes...stress free!

Just a quick note to say ‘Thank You’ for your help and time in negotiating and organising our new mortgage. We appreciate all the advice and expertise. You made it look too easy! Congratulations, also on your recent award – All hard work has its just reward! Best of luck to you & your staff in the future
Best Wishes
Saundra & Erin Palmer

Are you thinking about moving home ?
Do you want to know exactly how it will all work ?
Do you want to know if you will need to have sold your existing home before you can move ?
Do you want to know what other banks are offering in comparison to your existing mortgage provider ?
Do you want to get the very best mortgage deal for you ?
Do you want someone to take the hassle out of shopping around between all the different lenders ?

Would you like to talk to someone you can trust and who will give you the best options based on your circumstances ?

If the answer to any of these questions is yes then you should contact, Sean or Sandra, right now on 021-4905000 or email info@abetterchoice.ie and see how we can help YOU. (No obligation).

PS: We have helped 1000s of people...just like you to move home.

Remortgage

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Remortgage

Remortgaging is when you pay off your existing mortgage and take out a new one against the equity you have on your home. You might want to consider remortgaging if...

You feel that you are working just to keep the bills paid.
Your income has been reduced in the past 12 months.
Your repayments have gone up.
You have a car loan as well as a mortgage.
You have a credit union loan as well as a mortgage.
You would prefer to have just one monthly repayment.

Would you like to talk to someone you can trust and who will give you the best options based on your circumstances ?

If the answer to any of these questions is yes then you should contact, Sean or Sandra, right now on 021-4905000 or email info@abetterchoice.ie and see how we can help...YOU. (No obligation).

PS: We have helped 1000s of people...just like you to remortgage.

Affordable Housing

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Affordable Housing

An affordable home is for people who qualify to buy a home at a discount to the market price. Would you would like to know...

Thank you for being at the end of the phone to answer my many questions. You made the whole process so easy that I will certainly be recommending you!
Kind Regards
Tony Smith

If you qualify for an affordable house ?
How much can you borrow ?
How much of a deposit you will need ?
Which lender will offer you the best rates ?
How the process works ?

Would you like to talk to someone you can trust and who will give you the best options based on your circumstances ?

If the answer to any of these questions is yes then you should contact, Sean or Sandra, right now on 021-4905000 or email info@abetterchoice.ie and see how we can help...YOU. (No obligation).

PS: We have helped 100s...just like you to buy an affordable home.

Self Build

Thu, 01 Jan 1970 01:00:00 +0100

Self Build

Self build mortgages are mortgage facilities arranged for individuals building their own home. This mortgage category encompasses both direct labour construction and houses built by contractors under a building agreement. We can help if you would like to know...

We moved into our new home last month so we are delighted ! We just wanted to say thank you for all your help during the process. We were completely green when we started and your advice and patience was invaluable. Enjoy the voucher as a small token of our appreciation.
Pat & Lisa Murphy

How much can you borrow ?
How much of a deposit if any will you need ?
Can you use your site as a deposit ?
Which lender will offer you the best rates ?
Which lender will offer the most flexible terms ?
How the process works ?

Would you like to talk to someone you can trust and who will give you the best options based on your circumstances ?

If the answer to any of these questions is yes then you should contact, Sean or Sandra, right now on 021-4905000 or email info@abetterchoice.ie and see how we can help...YOU. (No obligation).

PS: We have helped 100s of people...just like you to build their dream home.

Investors

Thu, 01 Jan 1970 01:00:00 +0100

Attention all Investors

With falling property prices some investors are again looking at property as an attractive investment. We can help you to finance your new venture if...

Thanks again for your help arranging finance for my latest venture. As always a fantastic service.
Michael O’Sullivan

You are seriously thinking about investing in the property market ?
You believe that there is real value in the property market right now ?
You think now might be the right time to buy an investment property ?
You want to know who will give you the highest loan to value ?
You want to know who will give you the best rates ?

Would you like to talk to someone you can trust and who will give you the best options based on your circumstances ?

If the answer to any of these questions is yes then you should contact, Sean or Sandra, right now on 021-4905000 or email info@abetterchoice.ie and see how we can help...YOU. (No obligation).

PS: We have helped 1000’s of investors...just like you.

Income Protection

Thu, 01 Jan 1970 01:00:00 +0100

Income Protection

PAYE | Self Employed | Company Directors

Attention all PAYE workers

Thank you for sorting out my income protection policy recently. I honestly believed that I was fully covered at work so it was a major shock to find out that I wasn’t. I will give you a shout in 6 months when my investment matures. Thanks again.
Ray Tobin

Has your salary been cut in the last 2 years ?
Have you found it difficult to manage as a result ?
Would you find it financially difficult to live on even less ?
Are you covered by your employer if you are out of work due to an accident, illness, injury or disability long term ?
Are you 100% sure ?
If you could not work RIGHT NOW and your income stopped would your standard of living dramatically fall ?

Would you like to talk to someone you can trust and who will give you the best options based on your circumstances ?

If the answer to any of these questions is yes then you should contact, Sean or Michael, right now on 021-4905000 or email info@abetterchoice.ie and see how we can help...YOU. (No obligation).

PS: We have helped 1000s of PAYE people...just like you.

Attention All Self Employed

Thank you for the professional and hassle free way you catered for my financial needs recently. I feel so much more secure now that I know my income is protected and so does Angela!
Eoin McCarthy

Are you working harder than ever to keep you business going ?
Are you earning less that you were 2 years ago ?
Would you find it financially difficult to live on even less ?
If you could not work RIGHT NOW would your standard of living dramatically fall ?
Would you like to know how you can protect your income in the event of an accident, illness, injury or disability ?

Would you like to talk to someone you can trust and who will give you the best options based on your circumstances ?

If the answer to any of these questions is yes then you should contact, Sean or Michael, right now on 021-4905000 and see how we can help...YOU. (No obligation).

PS: We have helped 1000s of self employed people...just like you.

Attention Company Directors

Just a quick thank you for arranging our executive income protection for all 3 company directors. If only everything was as simple!
Jim, Paul & Sam

Are you a Company Director like me ?
Are you working harder than ever to keep your business going ?
Are you earning less that you were 2 years ago ?
If you could not work RIGHT NOW would your business model be under serious financial pressure ?
Would you like to know how you can protect you and your business in the event of an accident, illness, injury or disability ?

Would you like to talk to someone you can trust and who will give you the best options for you and your business based on your circumstances ?

If the answer to any of these questions is yes then you should contact, Sean or Michael, right now on 021-4905000 or email info@abetterchoice.ie and see how we can help...YOU. (No obligation).

PS: We have helped 100s of Company Directors...just like you.

Serious Illness Cover

Thu, 01 Jan 1970 01:00:00 +0100

Serious Illness Cover

Attention Mammys & Daddys

I dread to think what would have happened to my family if I had not taken your advice and taken out a Serious Illness policy 3 year ago. On the way to a full recovery now Thank God. Thank you seems so simple but...thank you.
John & Rachel

Do you, like me, know anyone close who has been diagnosed with cancer ?
Do you know anyone who has ever suffered a stroke ?
Do you know anyone who has ever suffered a heart attack ?
Do you think it will never happen to you ?
Are you and your family completely dependent on your income ?
Would you find it financially difficult if you were no longer able to work due to ill health...RIGHT NOW ?

Would you like to talk to someone you can trust and who will give you the professional advice based on your circumstances ?

If the answer to any of these questions is yes then you should contact, Sean or Michael, right now on 021-4905000 or email info@abetterchoice.ie and see how we can help...YOU. (No obligation).

PS: We have helped 1,000’s of people...just like you.

Life Assurance

Thu, 01 Jan 1970 01:00:00 +0100

Life Assurance

Attention Mammys & Daddys

If you are like me, then your children are the most important thing in your life.

Would you, like me, do everything possible to protect them ?
Are they completely dependent on your earnings ?
Would your family find it financially difficult if you were no longer around...right now ?
Have you said to your self on number occasions "I must take out a life assurance policy " ?
Have you said to yourself on numerous occasions "I must make a Will" ?

Would you like to talk to someone you can trust and who will give you the best options based on your circumstances ?

If the answer to any of these questions is yes then you should contact, Sean or Michael, right now on 021-4905000 or email info@abetterchoice.ie and see how we can help...YOU. (No obligation).

PS: I have helped 1000’s of people...just like you.

Pensions

Thu, 01 Jan 1970 01:00:00 +0100

Pensions

Attention all those who wish to retire…some day

I can honestly say that I would not have invested in a pension only that you made it so easy. I had been putting off the whole idea for years as you know. Thank you for helping me to sort everything out. I have our annual review marked in my diary for next September already !
Frank Cooke

Do you find pensions confusing ?
Does the jargon associated with pensions turn you off the whole idea ?
Have you said to yourself that you will get around to dealing with retirement another day ?
Do you believe that you have plenty of time ?
Do you think that property is a better long term investment ?
Would you like to compare your options ?

Would you like to talk to someone you can trust and who will give you simple advice based on your circumstances ?

If the answer to any of these questions is yes then you should contact, Sean or Michael, right now on 021-4905000 or email info@abetterchoice.ie and see how we can help...YOU. (No obligation).

PS: We have helped 100’s of people...just like you plan their retirement.

Investments

Thu, 01 Jan 1970 01:00:00 +0100

Investments & Savings

Attention investors

Thanks for the professional manner in which you dealt with our investments recently. Having gone through the personal investment report that you prepared for us we really feel much clearer now. Thanks for the professional advice.
Greg & Helen Walsh

Have you worked hard for your money ?
Are you looking for somewhere safe to invest it ?
Do you want to look at the best investment options for you ?
Are you looking for a 100% Capital Guarantee ?
Are you nervous about risk ?
Are you uneasy about dealing directly with the banks ?

Would you like to talk to someone you can trust and who will give you professional advice based on your circumstances ?

If the answer to any of these questions is yes then you should contact, Sean or Michael, right now on 021-4905000 or email info@abetterchoice.ie and see how we can help...YOU. (No obligation).

PS: We have helped 100’s of investors...just like you.

Business Protection

Thu, 01 Jan 1970 01:00:00 +0100

Business Protection

Attention Business Owners

Thanks for arranging our keyman insurance recently. Will be in touch soon about our personal finances as discussed.
John & Oliver

Are you, like me, passionate about your business ?
Have you put your heart and soul into building your business ?
Would your business find it financially difficult to survive if you were no longer able to contribute to the bottom line ?
Would you like to know how you can protect you, your family and your business in the event of a serious illness or premature death ?

Would you like to talk to someone you can trust and who will give you practical advice based on your circumstances ?

If the answer to any of these questions is yes then you should contact, Sean or Michael, right now on 021-4905000 or email info@abetterchoice.ie and see how we can help...YOU. (No obligation).

PS: We have helped 100’s of business owners...just like you.

Estate Planning

Thu, 01 Jan 1970 01:00:00 +0100

Estate Planning

Attention

Thanks for your advice. It was first class.
Tony McCarthy

Are you, like me, passionate about what you do ?
Have you put your heart and soul into what you do ?
Do you wish your family to benefit from all your hard work ?
Would the Revenue be the last people you would like to give anything to ?
Would you like to know how to ensure that the Revenue do not destroy what you have built when you are no longer around ?

Would you like to talk to someone you can trust and who will give you practical advice based on your circumstances ?

If the answer to any of these questions is yes then you should contact, Sean or Michael, right now on 021-4905000 or email info@abetterchoice.ie and see how we can help...YOU. (No obligation).

PS: We have helped 100’s...just like you.

Financial Reviews

Thu, 01 Jan 1970 01:00:00 +0100

Financial Reviews

Attention All Mammys & Daddys, PAYE, Self Employed, Company Directors, Business Owners & Accountants.

To Sean & All at ERA, 100% service from start to finish.
Fiona Sheane, Ard Dara, Blarney, Co. Cork

Have you ever had a proper independent financial review ?
Are you unsure about exactly what you need ?
Are you confused about the financial products you already have ?
Would you like to know in plain English what your options are ?
Are your children the most important thing in your life ?
Would you, like me, do everything possible to protect them ?
Are you and your family completely dependent on your income ?
Have you said to yourself on numerous occasions "I must make a Will" ?
Do you, like me, know anyone close who has been diagnosed with cancer ?
Do you think it will never happen to you ?
Do you find pensions confusing ?
Are you looking for somewhere safe to invest your money ?
Are you looking for a 100% Capital Guarantee ?
Are you, like me, passionate about your business ?
Would you like to know how you can protect you, your family and your business in the event of a serious illness or premature death ?

Would you like to talk to someone you can trust and who will give you honest advice based on your circumstances ?

If the answer to any of these questions is yes then you should contact, Sean or Michael, right now on 021-4905000 or email info@abetterchoice.ie and see how we can help...YOU. (No obligation).

PS: We have helped 1000’s of people...just like you.

Newsletter Sign Up

Thu, 01 Jan 1970 01:00:00 +0100

Sign Up Now For Property Updates & Useful Advice

Complete the form below and we'll deliver useful advice specific to your interests straight to your inbox.

Get A Quote

Thu, 01 Jan 1970 01:00:00 +0100

Get A Quote

Get a quote now for Mortgage Protection or Life Assurance

Book A Free Valuation

Thu, 01 Jan 1970 01:00:00 +0100

Book A Free Valuation

Complete the form below and we will be in touch soon to organise your valuation.

New Homes Sales

Thu, 01 Jan 1970 01:00:00 +0100

Commercial Sales

Thu, 01 Jan 1970 01:00:00 +0100

Commercial Lettings

Thu, 01 Jan 1970 01:00:00 +0100

Thinking Of Letting

Thu, 01 Jan 1970 01:00:00 +0100

Are you thinking of letting your property? Here at ERA Downey McCarthy we can offer you the best advice from someone you can trust.

Whether your property is residental or commerical, we can make your property work for you. Contact us today to discuss your options.

Mortgage Protection

Thu, 01 Jan 1970 01:00:00 +0100

Mortgage Protection

Attention all house buyers

Thank you for the efficient and professional service.
John Doherty

Do you want to know if mortgage protection is necessary ?
Do you want to know in plain English how it works ?
Are you looking for the best options available to you ?
Are you looking for the best price for mortgage protection ?
Do you want to see if you can get a better policy than your bank is offering ?

If the answer to any of these questions is yes then you should contact, Sean or Michael, right now on 021-4905000 or email info@abetterchoice.ie and see how we can help...YOU. (No obligation).