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Financial Wellbeing

Featured event

Protect yourself against increasing mortgage rates, even if you are on a fixed rate or a tracker rate.

Increasing energy costs, inflation and rising interest rates are a great concern to many.  Your mortgage repayments are likely to be your single biggest monthly financial commitment.

It may be possible to reduce your repayments and/or fix them for a longer period than your current agreement, even if you are in an existing fixed rate arrangement.  In many cases this could be without penalty.  In doing so you will protect yourself against likely future interest rate increases.

See below for contact details and more infomaton on Affinty Advisors.

Previous events

The Culture & Engagement Team organise a range of seminars on financial management and advice for employees, with the objective of helping you take more control of your financial future. Below we have captured the details of those advisors who have made presentations and offer bespoke services to UCD Employees, which are often discounted. They may also agree to meet on campus which can be a major benefit with busy schedules.

Please note that you need to be sure that the service provider you engage meets your needs. The relationship is between you and the provider. UCD accepts no liability for the advice or services provided. We are always interested in feedback. Please send to (opens in a new window)engage@ucd.ie.

Financial Wellbeing Webinar Wednesdays (FW3)

From cash-flow modelling to the Fair Deal Scheme, we've got an extensive back catalogue of YouTube recordings delivered as part of the FW3 series.  Browse the collection now on the FW3 page.

If your fixed rate is maturing in 2024, now is the time to consider your options and understand how you may need to prepare in order to avail of the best products in the market. 

Current options available in the market include the following:

  • €2,000 cashback to cover switching costs
  • Reduced documentation requirements
  • Low interest rates from 3.65% fixed x 4 years (for properties with a BER rating of A1 to B3)
  • Rates from 3.95% fixed x 4, 5, 7, 10 years or for the full term of the mortgage with flexible overpayment options

We provide fees free Mortgage & Protection services to UCD employees so please do not hesitate to contact us to discuss your options now or in the future.

As a multiple award winning Brokerage we offer market based advice to all customers based on their unique personal circumstances and requirements.

Learn more about us on YouTube - (opens in a new window)Why Affinity Advisors?

You can contact us on 01 6533120, @ (opens in a new window)info@affinityadv.ie or by emailing (opens in a new window)trevor@affinityadv.ie

We look forward to assisting you obtain the best mortgage terms available based on your personal circumstances and requirements.

Achieving Financial Wellbeing 

Catch up with all of Jim's webinars on our (opens in a new window)Financial Wellbeing playlist on YouTube.

Jim Stapleton

Jim Stapleton, a financial wellbeing professional, established Eolas Money, a financial planning and wellbeing practice in 2009. The company specialises in helping both personal and corporate clients throughout Ireland improve their financial wellbeing and navigate through the myriad of financial decisions that life throws at us.

Find out more on (opens in a new window)Eolasmoney.ie

The University has a legacy salary deduction scheme with VHI which, for many members, is due for renewal on the 1 March each year. 

In support of our financial wellbeing strategy, Culture & Engagement asked independent health insurance expert Dermot Goode in 2021 to undertake a high-level review of this group scheme.  Arising from this review, we understand that there are currently no additional benefits for members through this scheme by way of enhanced cover or premium discounts, which may have been available in the past.  It would also appear that many members may be insured on dated schemes that still provide good cover but are overly expensive compared to many of the new schemes now available (often from the same insurer).

We encourage you to review your needs and ensure you are obtaining the best value health insurance.

About Dermot Goode

Dermot Goode is the leading expert on healthcare benefits in Ireland and has presented to UCD employees on many occasions detailing how to save money on health insurance. He runs the only intermediary in Ireland, Total Health Cover, dealing exclusively in healthcare benefits (health insurance, dental, vision-care, cash plans). Should you wish for a more in depth review, Total Health Cover will review cover to help you source the best products at the lowest cost, covering all 340 plans available across VHI, Laya and Irish Life Health. All services are provided on a fee basis which ensures the best advance.

UCD employees can get a full-market review for €120 (20% discount). Dermot can be contacted at (opens in a new window)Dermot.Goode@lockton.com. Queries are assessed to make sure that the review will be worthwhile for each customer prior to scheduling same.

HSF Health Insurance

Our recent Health Insurance webinars have referenced the options available under health insurance ‘cash’ plans such as those offered by HSF, to help cover the cost of everyday health care expenses. Culture & Engagement have negotiated a UCD employee discount of 10% off HSF plans and the ability to avail of direct salary deductions.

If you have any dental work required, new glasses or contact lenses to purchase, join HSF Health Plan and you will be able to claim money back. HSF also include a phone and virtual GP service along with a prescription service with every plan they offer. What’s more, HSF cover many other every day health expenses that you can claim cash back for.

Learn more about HSF

Watch the new (opens in a new window)HSF video for further information on the plans available to you. If you would like to receive a booklet or have a chat about the cover that is available to you contact Craig Broome on +353 8767 65171 or (opens in a new window)craig.broome@hsf.ie

Heart Health Tips

Download the latest HSF Heart Health newsletter from which looks at tips for good heart health or watch their (opens in a new window)Heart Health video.

Pollen Allergies

Download the latest HSF Health Matters Newsletter which looks at pollen allergies or watch their (opens in a new window)Heyfever video

More about HSF

HSF health plan is an employee health benefits provider. It is the trading company of the charity, The Hospital Saturday Fund.

HSF provide employee cash plans to help cover the cost of everyday health care expenses like GP fees, prescription costs, dental fees and glasses. Benefits include hospital, physiotherapy and complementary treatments, specialist consultations, health screening, personal injury and eye laser surgery. They also provide an Employee Assistance programme, HSF Assist® which includes access to a GP Advice Line, Virtual Doctor and Counselling Service.

Unlike other types of health insurance HSF health plan schemes are not claims or age related. Their plans can be used as a complement to exiting PMI Schemes or as an alternative. HSF health plan is available to UCD Employees at a discounted premium and with their family schemes, spouse/partner and any dependent children under age 21 can be included on cover at no extra cost.

Everyone who joins HSF health plan, just by belonging, are making a contribution to the important work of the charity, as the profits from the health cash plan go to the parent charity. Not something which usually happens when an insurance policy is taken out.

For more information on HSF health plan please contact us on 1890 451 451 or email (opens in a new window)enquires@hsf.ie

UCD Laya Affinity Scheme 10% discount (September 2023)

University College Dublin have secured a 10% discount on any chosen scheme for all employees. All subscriptions can be paid through internal salary deduction (ISD). Read more about what's covered and how you can sign up in this Laya healthcare discount information flyer.

You will need the scheme number, your personnel number and your Pay Group number (1 for monthly paid employees) to get access to the University College Dublin Affinity Scheme. Laya Healthcare ask that you put your UCD email address as the contact method, as proof of UCD employment. Laya have confirmed (December 23) that Pensioners can also avail of the deal.

The scheme allows for an open renewal so those that are renewing at different months of the year can join the UCD Affinity Scheme as and when their renewal come ups. Those new to private medical insurance can join at any stage throughout the year.

Laya Healthcare can be contacted on 021 2022000 or (opens in a new window)layahealthcare.ie

Legal Services

There are many areas in life where you may need legal advice from a practising solicitor. From employment law to family law, from making a will to buying a home and much more, when you talk to a solicitor you avail of a range of benefits and protections unique to the solicitors’ profession. You should ensure that your chosen solicitor is a member of the Law Society and holds both a current practicing certificate and professional indemnity insurance.

About Dillon Solicitors

Dillon Solicitors has been offering a wide range of legal services to its substantial private and business client base since 1993. They provide a range of discounts for UCD employees and the facility to meet on campus.

Contact: Brendan Dillon, Dillon Solicitors, Unit A1 Nutgrove Office Park, Rathfarnham, Dublin14, Telephone No: 2960666 Email: (opens in a new window)brendandillon@dillon.ie Website: (opens in a new window)www.dillon.ie

Other firms of solicitors are available in the market.

Notes from: Dillon Solicitors - Legal Services briefing  (July 2019)

Cornmarket’s Tax Return Service

Cornmarket’s Tax Return Service specialise in ensuring customers are tax compliant. They aim to save you time, hassle and money when it comes to your taxes.

To contact Cornmarket email (opens in a new window)tax@cornmarket.ie or call on 01-4206780

For more information;

  1. (opens in a new window)cornmarket.ie/inheritance-planning/
  2. (opens in a new window)cornmarket.ie/tax-return-service/


Cornmarket are the largest Public Sector financial services broker in Ireland. With nearly 50 years’ experience helping public sector employees with their financial needs. Everything from car, home, travel and health insurance to pensions and retirement planning and family protection.  Cornmarket help public sector employees on their financial journey throughout each of life’s stages. They work with over 40 public sector unions, associations and employers to negotiate excellent value financial products on their behalf. They are passionate about making a positive difference to the wellbeing of the Public Sector community in money, life and family whilst respecting our planet.

Home Insurance - New 2 Year Home Insurance Offer Exclusive to UCD Employees

Affinity Advisors have teamed up with Ireland’s leading home insurer Zurich Insurance, to put together a market leading 2 Year Home Insurance Policy exclusively for UCD employees.

  • Policies will run for 2 years
  • Underwritten by Zurich Insurance, A+ rated insurer
  • Exclusive and discounted rates
  • Price guarantee for the 2 years with no loadings or penalties applied in the event that you are unfortunate enough to have a claim
  • FREE - €3,000 unspecified all risks
  • Award winning customer service
  • Fast and efficient claims service
  • Specialised rates for first time buyers
  • Premiums can be paid over 22 monthly instalments, from as little as €22 per month

For further information please visit (opens in a new window)www.affinityadv.ie/ucdhomecover or email (opens in a new window)homecover@affinityadv.ie

Other home insurance providers are available in the market.

Looking for more special offers? Visit our discounts section.

Contact Culture & Engagement

Culture & Engagement, UCD HR 3rd Floor, Roebuck Offices University College Dublin, Belfield, Dublin 4, Ireland.
E: engage@ucd.ie | Location Map(opens in a new window)