Our Services

Life & Protection

Life Assurance is a policy that protects your family in the event of your death. It allows you to secure financial wellbeing of your family after the misfortunate event. It is probably the most important insurance product that everyone should have in place.

Critical Illness is an important insurance policy in case of misfortune you might suffer in your lifetime, which can potentially have a devastating impact on your work capacity and subsequently resulting in financial difficulties for you and your family.

Income Protection plan is a policy that pays you a monthly income in the event of you are not being able to work due to any illness, accident or injury. It will help you to meet your ongoing financial commitments as mortgage repayments, household bills and your current lifestyle. The policy will continue to pay you an income until you are fit to work, and in some cases, until your retirement age.

Mortgage protection is a policy that fully pays off your mortgage if you or another insured policy holder dies during the term of the mortgage. It is a type of a Life Assurance, with a difference that it’s tied to your mortgage and runs throughout the mortgage term. The level of cover decreases in line with the mortgage. The Mortgage Protection is a Law requirement when taking a mortgage and can be taken out only at the point of the mortgage drawdown.

There are multiple life assurance products to choose from and your dedicated Senna Brokers adviser will provide a valuable advice on the best suitable and cost-effective product to meet your needs. We will explain the product in detail, its working and benefits.

Section 72 Policy (Inheritance Tax Protection) is a specific type of whole of life insurance which is designed to cover the tax liabilities associated with your estate as, inheritance tax on any property, money, or assets which you leave in your will. This will allow you to leave your family home or other money or assets tax free.

Pension brings the long-term savings and investments to a next level. It is the most TAX efficient way to save for the future. Planning for retirement is a paramount aspect of long term and future financial security.

Trust Senna Brokers to guide you through the complexities of pensions, helping you make informed decisions that will benefit you for years to come.

Pensions

Our offerings range from PPP (Personal Pension Plans), PRSAs (Personal Retirement Saving Account), ARFs (Approved Retirement Fund), group schemes, AVCs (Additional Voluntary Contribution), PRBs (Personal Retirement Bonds).

We can consolidate all your multiple pension arrangements into one tax and cost-efficient vehicle that meet your future needs.

Employers - we have expertise in range of retirement funds. With managerial and administrative experience in pensions products, we are dedicated on providing an excellent advice on tax efficiency for executives, directors, and businesses for group arrangements and self-administered schemes. There are massive tax incentives for individuals and the company to have pension arrangements in place for their employees and top executives.

Auto Enrolment is a new scheme to include employees that are not members of the existing pensions arrangements. It will take effect on 30 September 2025. Senna Brokers can help employers and their employees to understand the new scheme, its workings and in making an informed decision.

Self-Administered is a pension that allows a full control over your investments. It is a vehicle with an option to purchase an investment property, which grows in value tax free and generates tax free rental income. It also allows to open a Stock Broking account for direct investments in the stock of choice, which dividends, interest and any capital gains are also accumulated tax free. Other investments that are not listed on the Stock Exchange are also permited. It is an exellent tax exempt vehicle to accumulate wealth. 

At Senna Brokers we are qualified and highly experienced professionals who specialise in range of retirement funds. With over 20 years of experience in Financial Services industry and pensions products, we are dedicated to providing an excellent advice for tax efficiency for individuals and businesses.

Investments and Savings

Planning and saving for your children’s education, a lifestyle or a rainy-day fund, dream holiday, new car or new home, are paramount aspects of financial planning and life.

Warnings:

• Past performance is not a reliable guide to future performance.

• Benefits may be affected by changes in currency exchange rates.

• The value of your investment may go down and up.

• If you invest in these funds, you may lose some or all of your investment.

Senna Brokers can offer a range of short to medium term with regular and single premium plans. Regular saving plans start from as little as €80pm. It is important to understand an advantage of saving and investing in a range of available plans rather than keeping cash in the bank at a very low or no interest account.

Senna Brokers also have access to Bonds and Deposits providers, who offer an atractive alternative to the high street banks. This type of investments allows for various access and guaranteed income levels. Through our partners Senna Brokers has access to investments with global fund managers like Vanguard who has over 10 trilion usd in assets under management.

We research the Irish market and advise on a range of regular saving plans or a single premium investment and explain advantages of each.

Mortgage is a loan, which is linked to a property and is one of the main means to obtain funding to secure your family home or an investment property. Different types of mortgages are available.

Warnings:

• You may lose your home if you do not keep your repayments

• Extra charges may apply, if you pay off your fix rate mortgage early.

• Your monthly repayments may increase.

• Your rating may be affected and ability to obtain future access to lending if you do not meet repayments and your account goes into arrears.

• Interest-only mortgages will have the entire amount borrowed outstanding at the end of the term.

Self-Build is an option for those who are looking to build their dream home. The process is more complex and requires tailored expertise on the mortgage process. We will help you to go through all stages of the mortgage drawdown.

First-time buyers we will help you to make this complex process smooth and easy to understand. We can help to assess your financial abilities for the amount you can borrow, repayments levels, terms available and explain interest rates options. We will help you to choose the best provider available on the Irish market.

Remortgage helps you with your home upgrades, extension build, availing of better interest rates, extending your term and other loans consolidation. Equity release at your later (senior) stage of life is also an option to fulfil your bucket list.

Moving Home is an option to take a new mortgage with the same or new provider while changing your home. It allows to obtain better term by switching the provider or changing interest rates.

Buy-to-let is a type of an investment mortgage. It diferenciate from your home mortgage in terms available and the process of assessment of your financial abilities. Properties are an attractive way to generate steady income with a prospect of gaining capital by increase in its value.

Mortgages

Banks and Mortgage Institutions - through our appointment with Brokers Ireland Mortgage Services we have access to the following lenders: Permanent TSB, Bank of Ireland, ICS, Heaven, Finance Ireland, NUA.

Senna Brokers adviser will explain the product working, interest rates and risks involved when planning to buy your first home, upgrade existing one or buying an investment property.

Retirement planning is an important element of your future peace of mind. It is never too early and never too late to start saving for the golden years in the future.

We are available to meet and discuss your needs via a video call or in person. Depending on your location, the appropriate medium will be chosen. We bring the technology to our business to meet our clients' expectations, convenience and to speed up the full process. 

Financial Planning and Consultation

Financial planning and regular reviews are crucial aspects of healthy family and business financial wellbeing.

Your current arrangements must be regularly reviewed due to ongoing and evolving changes in your lifestyle and circumstances.

We will review your current arrangements, provide essential advice and will arrange products suitable to your personal or business needs in order to help protect or better your financial situation.