About Us

Low Cost Mortgage Protection is a trading name of Highfield Financial Planning, the most client focused financial services company in Ireland.

About Eoghan Gavigan

The principal of the firm Eoghan Gavigan has over 25 years’ experience in banking and finance across Treasury, Lending and Wealth Management. The holder of a Degree in Credit Management from DIT, Eoghan is also a holder of the Graduate Diploma in Financial Planning from University College Dublin. He is a member of the Institute of Banking as well as the Financial Planning Standards Board Ireland. All financial advisers must have a Qualified Financial Advisor (QFA) designation to give financial advice which Eoghan has, however he also has the higher level Certified Financial Planner™ (CFP) qualification. This is the world’s most respected industry designation, held by only a select number of advisers. Check us out in the media here.

How We Do It



Our background is in Holistic Financial Planning. Financial Planning is a method for structuring your finances which starts with you. What do you want to achieve in your life? How much will that cost? How are you going to fund it? When will you have accumulated enough to retire or semi retire? When you finish working how are you going to manage your pension fund to give you security in your retirement?


How Does This Help You

Most financial products are sold because the seller had a target to achieve, not because you had a need. When we come at the process of providing financial advice we do so using the same methods we use for financial planning. You may end up with a financial product but the process is very much about you and what you want to achieve. Anyone can arrange a financial product for you, the value is in the advice.


What Questions Should You Be Asking?

Can this person help me? Do they have the qualifications and experience?

Does he care about me? Do they try to help clients to achieve their financial and life objectives or are they just trying to sell as many financial products as possible?

Can I trust him? If push comes to shove will my long term interests or his short term interests get priority?


Our Focus Is On You

As Financial Planners we don’t focus on selling financial products; we want to help you to achieve your financial objectives.  

You’ll see this in the way we provide advice. No up-selling, no cross-selling. Just good advice.

We focus on you and the financial and life objectives which you want to achieve.

Get Saving In No Time!

Shop The Market for Ireland’s Lowest Cost Mortgage Protection Cover

Guaranteed Premiums Mean The Cost Of Your Cover Stays The Same For The Full Term Of The Policy

Dual Life Mortgage Protection Cover Available At No Extra Cost

No Broker Fees – The Only Cost Is The Monthly Premium Payable For Your Policy

Get Quality Advice from Qualified Financial Advisers

Better Cover Than Is Available From Your Bank

Cheaper Cover Than Is Available From Your Bank

Even If You Already Have Cover, You Can Save By Switching To A Lower Cost Provider

Protect your family

Cover from as little as €10 per month

Check Out Our Google Reviews


Why Choose Us?

Founder Eoghan Gavigan has over 25 years’ experience in banking and finance across Treasury, Lending and Wealth Management. 


Get quality advice from Qualified Financial Advisers


We are real Financial Advisers. When you contact us you will speak to real people.


Unlike your Mortgage Bank or Tied Agent, we can shop the market to get you the lowest cost policy, often cheaper by up to 20% or more.

Get The Lowest Cost Mortgage Protection in Ireland

What is a mortgage protection policy?

A Mortgage Protection Policy is designed to discharge a mortgage in the event of the death of one of the parties to the mortgage so that the survivor doesn’t lose their home. You choose the initial cover amount and this reduces each year during the term in line with the estimated balance outstanding on a principal and interest mortgage. Because the cover reduces over time it is the cheapest form of life cover.

Life Insurance cover (sometimes referred to as Term Life Cover) stays at the same amount for the term of the policy. The cover amount doesn’t reduce over time. It is commonly used to protect your family from the financial consequences of the death of an earner. If you would like to get a quote for Term Life Cover please check out our sister website GetLifeCover.ie

How long does it take to get a quote?

Many ‘Instant Quote’ websites will provide you with an immediate estimate but this is often not the cheapest quote which is available in the market. We deal with all the providers who offer Mortgage Protection in the Irish market. A number of Mortgage Protection providers offer discounts, some match their competitors and some offer discounts off the quoted price or their competitors price – this makes it very difficult to automate the quote process. In order to ensure that we provide you with the lowest quote available in the market, all our quotes are done manually by Qualified Financial Advisers. Just input your details and we will arrange a quote for your Mortgage Protection needs.

You need to choose carefully when arranging Mortgage Protection cover!

Some websites selling Mortgage Protection are run by marketing companies and provide incorrect information about Mortgage Protection. As you will see from the information provided at the bottom of this page, we are a real Financial Brokerage, not a marketing company. We combine the best of both approaches. We will give you the lowest quote available by applying the maximum discount available from each provider and we have the knowledge to advise you correctly. If you arrange your Mortgage Protection through us you will have access to a Certified Financial Planner™. This is the world's most respected industry designation, held by only a select number of advisers. This ensures that you get a policy which is suitable to your needs and that in the unfortunate event that you need to claim, that the claim can’t be refused because corners were cut when you took it out.

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