User guide

Guide for site visitors

Using FarrFin to understand Irish protection and pensions.

FarrFin is an information-only service. We publish plain-English explainers and indicative calculators, and we introduce you — free of charge — to an independent Qualified Financial Advisor (QFA) authorised by the Central Bank of Ireland when you're ready for a recommendation.

1. What FarrFin is (and isn't)

FarrFin is not an insurer, broker, or product seller. We do not give regulated advice ourselves. We publish guides, run indicative calculators, and connect you with a QFA who is on the Central Bank register.

Independent — no tie to any single insurer or lender.
Information only — no sales pitch, no commission collected by us.
Free advisor introductions — every advisor is a CBI-registered QFA.
GDPR-compliant — your data stays yours; you can withdraw consent at any time.

2. The triage funnels

Each product area has its own short workflow that ends with an indicative number and the option to speak to an advisor.

Mortgage Protection: /mortgage-protection — a guided wizard captures cover basis, term, and lives, then shows a results table across major Irish insurers (Irish Life, Royal London, Aviva, Zurich, New Ireland). The /explain page breaks down every decision; /switch helps existing policyholders review.
Income Protection: /income-protection — a net-of-tax estimator using your gross income, benefit percentage, deferred period, occupation class, and marginal rate (20% or 40%). The /scenario page walks through realistic claims.
Life Cover: /life-cover — explains the difference between mortgage protection and family life cover.
Pensions: /pensions — explainers on PRSA, occupational, and auto-enrolment (My Future Fund). /pensions/dormant helps trace pensions left behind at past employers.

3. Editorial guides

Long-form explainers under /guides cover the questions Irish buyers actually ask:

Mortgage protection explained — first-time-buyer essentials.
First-time buyer closing costs in Connacht — regional cost breakdown.
Income protection for the self-employed — occupation classes and deferred periods.
Income protection provider comparison — feature-by-feature.
Pension consolidation for returning emigrants — moving UK/overseas pots home.
Specified illness cover Ireland — the Irish name for critical illness cover.
Pensions auto-enrolment Ireland — My Future Fund vs PRSA.

4. The contact form and what happens next

The contact form at /contact validates Irish-specific inputs and never asks for sensitive numbers.

Mobile: Irish numbers in the format 08x xxx xxxx are validated client-side.
Eircode: optional, 7 characters (e.g. D02 X285) — used only to match you with a nearby advisor.
PPSN / IBAN: never enter these on the website. A warning is shown above the form. Sensitive numbers are only shared with the advisor by phone or via a secure portal link.

5. Regional pages

Pages under /regions/{county}/{town} (Galway City, Clifden, Sligo Town, Castlebar, Westport, and others) list the lenders active in that town. The list reflects the latest Irish provider availability — including newer entrants like Avant Money, MoCo, Nua Money, Dilosk, and Finance Ireland alongside AIB, BoI, PTSB, EBS, and Haven.

6. The case portal

After an advisor opens your case, you may receive a secure link in the form /case/{token}. The token is single-purpose, expires, and shows only your case — no login required, no PII stored in the URL beyond the token.