Have you been affected by a Data Breach?

Gibson Solicitors Data Breach

The Central Statistics Office (CSO) has hit headline news this week by admitting to a major data breach which involved details of over 3,000 staff. The Irish Independent first broke the news after a woman contacted the newspaper to report an incident claiming that the CSO had sent her P45 in error to someone else.

A statement from the Central Statistics Office confirms that “…between November 10 and 14, 2017, as a result of an administrative error, personal P45 information relating to 3,000 former employees was disclosed via email to four individuals, in breach of the Data Protection Acts…. The CSO immediately notified the Office of the Data Protection Commissioner (ODPC) of the breach and the individuals affected have been informed by letter.” Source: The Independent.ie.

It doesn’t stop there…  Step forward Bank of Ireland. On Nov 24th, The Irish Times reported that Bank of Ireland staff pay details were mistakenly circulated internally. The bank confirms that pay and benefit(s) information of 110 employees was mistakenly sent to ten senior managers. Bank of Ireland made a notification to the Data Protection Commissioner after the accidental release of the sensitive staff information, some of which was searchable by people outside the organisation.

Other recent and interesting cases involve information relating to 550 AIB customers that was found in a bag and handed into a local business in Spidéal, Galway! Another case, on a major infringement scale, involved well known driver-on-demand company Uber. Information pertaining to 57 million users and drivers worldwide was stolen in 2016.  Not only are the numbers, in this case, staggering – the most notable aspect was Uber’s mishandling of the incident which has resulted in lawsuits filed against the company. What is your view, are data breach incidents on the rise or are we simply becoming more aware of them?

But on a positive note, Europe is experiencing a turning point when it comes to the regulation of personal data. The EU’s General Data Protection Regulation (GDPR) comes into force on the 25th of May 2017, this will result in stricter privacy laws for companies. If you would like to find out more about the GDPR and what this means for you, the Data Protection Commissioner have released a useful guide for individuals and organisations GDPR and You.

What is an employee data breach?

An employee data breach is an incident that results in any unauthorised access to data, this includes, but not limited to, cyber-attacks and lost/stolen information. Last year, a survey conducted by Irish Computer Society (ICS) revealed that almost 61% of organisations experienced some form of data breach; more than ‘50% of the incidents’ were caused by staff misplacing records. If an organization’s response to a data breach is handled incorrectly, employees could file a class action lawsuit!

What do to if you think that your personal data may have been compromised?

Firstly, it is advisable to contact the Data Protection Commissioner, contact details can be found on www.dataprotection.ie. Include any evidence/support communication between you and the organisation. If the complaint is valid, you may be entitled to compensation, in that case, it is best to seek legal advice.

If you believe that your data rights have been ignored, get in touch with our experienced and friendly team today!



Visit us at www.GibsonAndAssociates.ie

Call Gibson & Associates: 1890 989 289

Celebrating Ireland’s “Public-Sector Heroes”: Nominate Yours

Ireland is blessed with thousands of public sector workers who strive to make our country a better place. From the dedicated staff of the HSE through to the Garda the fire service, the civil service and local authorities…these are the people who work long hours to make sure we stay safe, secure, healthy and generally looked after.

At Gibson & Associates, we want to recognise and celebrate these people. That’s why we’re launching our “Public-Sector Heroes” competition.

We’re giving you the opportunity to nominate the important people in your life who work in the Irish public sector. We want to hear your inspiring stories about the real people who contribute to making Ireland what it is. It’s a chance to celebrate their commitment and achievements.

Why the competition?

It’s no secret that the Irish public sector faces enormous challenges. Every other week there’s a news story highlighting the problems faced by the public sector, including the difficult and often dangerous conditions public sector workers are forced to work in.

At Gibson & Associates, we understand that these working conditions can make what are already incredibly stressful jobs even more difficult. This competition is our way of reaching out to public-sector workers across Ireland, highlighting the good that they do day-in-day-out. We want to make them feel as appreciated and acknowledged as they deserve.

How to get involved

If you’re lucky enough to know a public-sector worker who you think deserves to be celebrated, share their story with us on Facebook.

To nominate someone, simply tag your public-sector hero in the comments of our Facebook competition post:

Plus, if you want to, you can also tell us a little bit about why they should win. Maybe there’s a specific story you want to share about their achievements? Let us know!  It can focus on one particular event or simply their day-to-day commitment to the cause.

We’ll regularly share the comments with the most inspiring stories, and the comment with the most likes at the end of the competition at 5 pm on Monday 8th January will be crowned the ultimate Public-Sector Hero.

What’s the prize?

We want all public-sector workers to feel appreciated, valued and to know that people are aware of how important their jobs are. By giving you the opportunity to nominate your Public Service Hero and shout out about their achievements – we hope we can do just that.

For one lucky winner, there’s more. The Public-Sector worker who receives the most Facebook likes will receive a luxury hotel weekend break for two, giving them and a companion a chance to really relax and unwind.

Start nominating your Public-Sector Hero now! It’s time to get involved. We can’t wait to hear all about the amazing people who work hard to keep our families and country safe.

About Gibson & Associates

Gibson & Associates is a law firm with a difference. Based in Dublin and Letterkenny, we service the whole of Ireland with one simple mission: to put you first and work tirelessly to get the best result for you.

Profit Before People? Kobe Steel Falsify Data on Strength of Materials

hitachi staff cutting steel

It has emerged that Japanese company Kobe Steel has been falsifying data around the strength of its metal products – and has been doing so for up to a decade.

The global company recently announced that the thickness of just over 3500 tonnes of steel “had been fabricated”, along with the durability of its aluminum, and copper products. While the company have stated that there: “shouldn’t be a problem with safety”, the scandal has caused concern among both consumers and manufacturers.

So, at Gibson & Associates, we’re asking the questions on everyone’s minds: Are we at risk? What does this mean for Irish consumers? Why has this happened? And who is truly responsible for this outrage?

What’s the Risk to Consumers?

Kobe Steel provides metal materials for major car, train and aeroplane manufacturers, so it’s understandable that consumer safety is a major concern. Latest reports have suggested that as many as 500 companies may have used falsely certified Kobe steel, including Boeing and Airbus, along with several global car manufacturers.

However, Kobe Steel and the manufacturers who use their materials have insisted that there’s been no risk to consumer safety. Boeing even suggested that it does not consider the shocking revelations as a safety issue, but stated that it may raise compensation costs with Kobe Steel further down the line.

Why did this happen?

While it seems for now that there’s been minimal risk to human safety, it’s still very clear that Kobe Steel has behaved negligently – and it could have easily been a different story.

And for what cause? Sadly, speculation suggests cost-cutting and high-profit targets have a big role to play in this scandal, resulting in corners being cut on quality control. With the company dealing with a low cash flow over the last few years, they’ve opted to cut corners potentially directly impacting thousands of unknowing consumers.

Profit before People

Whichever way it’s painted, the Kobe scandal is a shocking revelation. With such a large global presence and a direct impact on a huge number of consumer-facing companies, Kobe Steel have acted in a way that has the potential to put human life at risk in order to keep their own pockets lined.

Sadly, this is not the first-time numbers have taken priority over human safety, and we doubt it will be the last. However, as more people from all industries start to hold those we rely on accountable for their actions – we hope stories like this will become less common.

10 Inspiring Irish Start-Ups to Watch in 2016/17

Ireland is the place to be if you’re looking to start up a business.

Buzzing with entrepreneurial spirit and awash with big international investors, our little country has recently seen an influx of savvy individuals burst out of the recession with fresh and innovative business ideas.

In 2014, Gibson & Associates took a look at some of the talented entrepreneurs emerging in and around Dublin. Two years later, and we’re back to see what’s changed, re-visiting some of the businesses we met then, and discovering some fresh ones too.

So, get ready to be inspired. It could be your business here in 2018!


intiafy logo

Initiafy was born in Dublin in 2012, and since its launch, the company has experienced some really impressive growth.

As a leading supplier of on-boarding software, offering software specifically tailored for contractors and temporary employees, Initiafy has found a niche that is in demand and profitable.

As well as Ireland, the company now has offices located in the UK, the Netherlands, New York and Toronto, and boasts customers across the globe, with tens of thousands of workers hired through Initiafy every month.

Initiafy say the secret to their success is focus. “We focus on one thing and we do it really well. The Initiafy platform is the best in the world at helping you manage the initial steps of your contingent workforce. We have remained steadfast on one core product and continuously improving it.”

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2. Laundrie

laundrie logo

Laundr.ie is ‘Dublin’s first on-demand laundry and dry cleaning delivery service’, and was started by Evan Gray in June 2015.

The app offers a same day pick-up laundry delivery service throughout Dublin, with free pick up and delivery on all orders over 20 euros.

And the app seems to have gone from strength to strength, with 5 people now working with the start-up.

Commenting on how he’s built the company so far, Evan Gray, Founder of Laundrie, told us, “Fortunately we have a great infrastructure here with support through EI & LEO,” adding, “Our government is very good at reducing red tape and making starting your business very accessible. This isn’t always the case in Europe.”

But Evan is quick to add that despite support from the Irish government, starting a business isn’t all fun and games. “ You have to appreciate the work that is involved and the strain this will put on all aspects of your life.” Evan told us, “Don’t do it unless you are 100% committed because it is not a job – it will take over your life and no point in wasting time unless you are willing to see it through!”

But Evan has faith in the Irish community, adding, “Irish people are very quick to adopt new technologies and are extremely entrepreneurial.”

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3. Little Vista

little vista

Little Vista started as an idea jotted on the back of a napkin in 2013, and now, only 3 years later, the company boasts a team of 14 in their central Dublin office.

The cloud-based web software for early education care aims to disrupt the childcare sector, offering a tablet based childcare tool that simplifies the process of activity recording, eliminates paperwork, connects parents, and frees up child-carers to focus on caring for children, rather than admin and paperwork.

The team also offers a learning hub that helps parents and practitioners alike learn to use their software, and the company already has several clients already.

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4. Gaybrhood


Since being launched in 2015 by Chris Fildes and Danny Lane, Gaybrhood has already taken the world by storm, with the app now available in Belfast, London, Manchester, Sydney, New York and San Francisco. However, despite it’s global success, its roots are fully secured in Dublin.

Gaybrhood, a real-time city guide that caters for the LGBT market, gives an up to date commentary on what’s going on in the LGBT community in a range of popular cities.

Co-creator Danny is proud of how far the business has come over the last year, telling us, “Gaybrhood is aimed at an international audience and our goal is to become a one-stop shop for any gay traveler no matter where they are in the world. We’ve just come through a year where the passing of the Marriage Equality Referendum last year put Ireland on the map. I think showing that a startup that is openly gay can grow and develop in Ireland is yet another great sign of how far we have come and might be of encouragement to other LGBT businesses both in Ireland and in countries where gay rights are less progressive.”

Danny also thinks that Ireland is a great place for start-ups, explaining, “There’s a great energy in Ireland at the moment when it comes to start-ups. Ireland has always had a strong entrepreneurial spirit, but as a nation, we can be quite shy about our achievements.”

He continued, “But that has changed over the last ten years. With the help of state and local authority-funded programmes and an energetic friendly start-up community the digital start-up scene has blossomed. This has definitely given people a new confidence to take the jump and start out on their own.”

And Danny thinks that other countries shouldn’t judge our little Island on it’s size. “For a small country we definitely punch above our weight when it comes to the creation of start-ups. While larger countries might have certain advantages due to their size, Ireland has used it size to create a thriving start-up community, which is easy to break into and become part of.”

And for any budding entrepreneur looking to get things started, Danny has some simple, but direct advice: “Get out there and talk to people.”

“Starting a new business can be daunting, especially if you have a great idea but do not know how to make it a reality. There are so many people out there who are more than willing to help. Whether it’s getting in contact with the NDRC or popping in for a pint at the Silicon Drinkabout, there is always someone at hand that can steer you in the right direction.”

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5. Jibbr


Jibbr is a social tech startup, aiming to keep you and your friends in the loop with any type of social goings ons. So, whether there’s a big event in the pipeline, or if it’s just for a couple of drinks on a weekend, the jibbr app aims to make it as easy as possible to communicate plans to the masses.

The idea for the app came after it’s makers decided that more traditional tech platforms didn’t provide a seamless way of communicating as a big group. They designed Jibbr to challenge the method of group messages often used on Whatsapp and Facebook messenger, arguing that in the noise of a group conversation, messages get lost and details get missed. With their carefully planned design, they hope to make communication as part of a big group easier than ever before.

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6. OPSH.com

opshThe story behind one of the biggest ecommerce websites to come out of Ireland so far is a story of Irish, entrepreneurial blood.

The Mc Ginn sisters, Sarah, Grace and Jennie, started OPSH with a vision to connect all major clothes vendors, allowing customers to buy clothes and accessories from a whole range of shops and outlets, without having to leave one website. And that website is opsh.com.

The sisters say that they’re at “the forefront of Ireland’s newly booming tech start,” a generation of young entrepreneurs bursting out of the recession with new ideas backed by big international investors. They’ve won awards, moved into the UK and are now seeking global domination.

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7. Nuritas


It’s not just tech start ups making waves in Ireland. The Irish entrepreneurial spirit has even reached the food industry.

Nuritas, a Dublin based food ingredients company, claims to be ‘revolutionizing the discovery of novel and natural active ingredients with scientifically proven health benefits.’

More simply, the company hopes to provide natural, sustainable and scientifically proven health solutions, by unlocking ingredients from food sources in a completely unique way.

Its’ disruptive approach to ingredient extraction combines artificial intelligence and DNA analysis to data-mine billions of molecules, allowing Nuritas to rapidly and efficiently provide access to the most health-benefiting components within foods, called bioactive peptides

And it’s these peptides, currently the subject of pending patent applications, that could provide unique solutions for the maintenance of health and wellness, including anti-inflammatory activity, antimicrobial activity, muscle recovery enhancement, skin anti-aging solutions, and the potential management of blood sugar levels for type 2 diabetics.

The company hopes that these ‘dynamic peptides’ have a vast range of applications in multiple industries including functional and medical foods, pharmaceuticals, dietary supplements, and cosmetics and personal care.

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8. Currency Fair

currency fair

Currency Fair, an Irish start up now making waves worldwide, were also featured in our 2014 article. The company has gone from strength to strength, and now has offices in Australia and the UK, as well as their original Dublin office.

The idea behind the business is to offer a ‘fairer’ way to send and receive money from abroad, challenging the expensive conversion rates offered by the mainstream banks. CurrencyFair charges 0.35% of any transaction, along with a fixed fee of €3, a highly competitive rate when compared with many other fees on the market.

With a large team already, the company plans to move into the USA and continue their bank challenging work from there.

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9. Stint Ireland

stint ireland logo

Know anyone who fancies doing a stint in Ireland? Well, the lovely bunch behind Stint Ireland are the best people to help them get the most out of their stay in our beautiful country.

The Dublin start up offers young people from overseas the opportunity to gain ‘international experiences’ in Ireland, by helping them to find individually crafted internships or places of study. The team also assists with finding housing, transport, visas and insurance.

The company also featured in our 2014 article, but since then, a lot has changed for the start up.

“Besides our constant scrutiny of our customer journey to improve every interaction with our program participants, we’ve also implemented internal systems to optimize our workflow.” Explained marketing manager, Jeffrey Shiau.

“Many companies find themselves bogged down by things like inefficient databases, communication channels, and project management procedures. The longer you put off solving these problems, the harder it’ll be to solve them in the future when you’ve grown and taken on more staff,” he explained, adding, “It’s important to think, how will this look in 5 years, when we have X number of staff?”

He added that one of the keys to successfully starting up a business is a great team, explaining, “Startup teams are small. That’s just the way it is. So it’s important that each person on that team carries their weight, working towards a collective vision. That kind of culture has to start with an open and forward thinking leader. We’re fortunate to have that in Melanie, our founder and managing director.”

However, Jeffrey thinks that planning and keeping focused on your goals is also key to the success of a company.

“Imagine this, you’re hiking through the woods and all you know is that where you want to go is somewhere to the north,” Jeffery tells us, “You keep hiking in that general direction, hoping to reach your destination. Maybe you’ll make it. Chances are, you won’t! Now, if you take the time to plan out your journey ahead of time. Identifying checkpoints along the way. We’ll pass by this lake, this valley, this river, etc. Each time you check off a point, you’ll feel like you’ve made progress.”

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10. Food Cloud

food cloud logo

We wrote about Food Cloud two years ago, and just like the other companies we’ve revisited, a lot has happened since 2014.

The company was set up by Iseult Ward and Aoibheann O’Brien, two women who met at an event in February 2012. They bonded over a love of food and a distaste for waste, so put their brains together and created Food Cloud, a service that allows a food store to donate its left over food to a local charity.

By June 2012, they facilitated the first donation from the Honest 2 Goodness farmers market in Glasnevin to the charity, Don Bosco Teenage Care. Then, after researching business and charity needs, Food Cloud invested in technology to make the process sustainable, and in June 2014 they launched a national partnership with Tesco to roll out to every store across Ireland.

But now, FoodCloud is taking the world by storm, expanding in the UK in partnership with FareShare and Tesco with an aim to provide their service to 1000 Tesco stores by December 2016.

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Gibson & Associates Sponsor 4 Week GAA Fundamentals Course


Come and join the Gibson & Associates team for a FREE 4 week GAA Fundamentals Course.

We’re sponsoring a FREE 4 week GAA Fundamentals Course.

Junior and Senior infants can get a free 1-hour session with experienced coaches!

So, if your kids are in junior and senior infants, come and join the Gibson & Associates Team at the Termon GAA Pitch, Co. Donegal. The first session is this Saturday the 3rd September at 10:30am. See the flyer below for information.

Gibson & associates sponsor GAA course

10 Reasons the Irish are THE Best Football Fans in Europe

No matter how far we get in this competition, there’s one thing we can be certain that Ireland has won: The internet. Irish football fans have been making headlines all over Europe for their acts of sheer kindness and craic.

Watch these 10 videos and find out exactly why the Republic of Ireland is home to THE best football fans in Europe, if not the world.

1. On a train, they sang ‘Twinkle Twinkle Littlie Star’ to send a baby to sleep

Family values don’t go out the window, even if they are on a footy holiday with the lads.

2. They changed the tyres for an elderly couple in Paris

After spotting that this elderly couple needed a helping hand, our boys in green stopped to give them exactly that.

3. They sang a song to pay tribute to the Northern Irish fan who sadly died in Nice

In the 24th minute of the game against Ireland, fans sang “Stand up for the Ulstermen” in his memory.

4. They made best friends with Sweden

Warming up before the match, Irish and Sweedish fans took to the streets to engage in a matador dance off. Because… why not?

5. They serenaded a French woman with love songs

After a french beauty caught their eye, Irish fans made their feelings known in the only way they know how.

6. They found a new mascot and showed him nothing but love

Living above an Irish pub is bound to have it’s perks, but this unsuspecting neighbour became a 5-minute celebrity after peering out of his balcony to see what all the ruckus was about, only to be greeted with gleeful cheers from Irish football fans. Every time he went back indoors, the crowd booed, with bigger cheers meeting him each time he re-appeared.

7. When it was time to call it a night, they cleaned up after themselves

We know how to have a craic – but we do it responsibly. Clean up for the boys in green!

8. They helped commuters get through the congested streets of France

This man needed to get somewhere, so our boys lent a helping a hand.

9. They sang Westlife on the plane to France

The most appropriate place to bring back a timeless oldie.

10. They didn’t sing mean football chants

‘Go back to your sexy wives’ – hardly insulting!

As for the best fans at Euro 2016, the hordes following our Boys in Green in Lille, we’re keeping all fingers crossed that we can keep the party going on for longer… 


Acquired Brain Injuries Explained

brain injury claim compensation

Acquired Brain Injury can have a profound impact on the lives of those who suffer them, as well as their families and those close to them. Each injury effects everyone differently, making them complicated and sometimes difficult to treat.

Unlike brain damage caused at or before birth, an acquired brain injury is the result of an accident obtained in day-to-day life, rather than a birth complication.

For a visual guide to acquired brain injury, click on the below thumbnail to see our Acquired Brain Injury in Ireland infographic.

The Different types of Brain Injury: Ireland

Traumatic Brain Injury

Traumatic brain injury is the most common form of acquired brain injury. Caused by an external impact to the head, the damage to the skull and brain can affect a person’s social behaviour, memory and physical abilities.

Traumatic brain injury in Ireland is often caused by road accidents, descents from great heights along with general trips and falls. The affects of these injuries can vary depending on the severity of the impact and which part of the brain is damaged.

Non-Traumatic Brain Injury

Unlike traumatic brain injuries, non-traumatic brain injuries are caused within the brain, as opposed to an external object penetrating or striking the head.  Illnesses and infections are a main cause of this kind of injury, such as encephalitis, a blood clot, an aneurism or a haemorrhage.

Many illnesses are associated with non-traumatic brain injury; meningitis, strokes and brain tumours can all cause injuries within the brain. Some surgical procedures can also damage the brain if they’re not executed correctly.

The Issue with Brain Tissue

When brain tissue is damaged, the cells don’t regenerate like cells in other parts of the body. This means that once damaged, the brain cannot repair itself. The damage from an acquired brain injury can cause emotional, cognitive and physical changes in a person and learning to cope with a sudden change in ability in any of these areas is extremely difficult.

Altered behaviour, memory loss and inability to complete skills learnt before the brain injury are common and instead of cell regeneration, the brain has to learn new ways, or paths, within itself to complete the same tasks as it did before the injury.

Rehabilitation is used to help patients explore these new paths. This is an on-going process, one that can be undertaken for a long period of time, sometimes lifelong and is dependent on the severity of the injury. Most commonly, individual rehabilitation sessions are used to help individuals overcome daily difficulties.

This is perhaps one of the biggest hurdles when living with an acquired brain injury and takes a huge amount of patience and persistence. However, there are dedicated groups and organisations in Ireland who can offer support and education.

Acquired Brain Injury in Ireland : The Infographic

We’ve created the below infographic to help explain acquired brain injury, the effects it can have, the treatments available and where you can find further support in Ireland.

Acquired Brain injury Ireland Infographic

Our sincere thanks go out to the team at Acquired Brain Injury Ireland who helped us create this infographic. Without them we wouldn’t have been able to create what we hope is a comprehensive and informative visual guide for people in Ireland who have encountered acquired brain injury in some form.

Acquired Brain Injury Support in Ireland

Acquired brain injury in Ireland is a growing issue, with 13,000 people acquiring a brain injury each year in Ireland. Although limited, Ireland is home to organisations that can offer support, education and research for people suffering with an acquired brain injury. You can find out more about the different services and support they offer below:

  • Acquired Brain Injury Ireland

Acquired Brain Injury Ireland - Brain Injury Compensation Acquired Brain Injury Irelands’ mission is to enable people with an Acquired Brain Injury to live an independent life in the community by providing and maintaining a supportive living environment.

Concentrating on a person-focused, tailor made programme, they offer rehabilitation that works to maximise a person’s abilities, whatever their individual requirements. They are also pioneers for awareness and information on acquired Brain Injury in Ireland, providing information for those affected by brain injury as well as the wider public. They also provide assisted and transitional living, case management and community rehabilitation. Find out more about what they can offer on their website.

  • Bri Ireland

Brí - Brain Injury Compensation Ireland
Meaning strength and understanding in Irish, Bri aim to promote self-support, medical care, rehabilitation, general public awareness about brain injury and brain injury prevention.

As part of their service, they offer phone and email support as well as support groups around Ireland. As a strong force of advocacy and understanding surrounding acquired brain injury, Bri are also the developers of the brain injury identity card, a card for users to show members of the public when they’re having difficulties communicating.

  • Headway

Headway - Acquired Brain Injury Compensation Ireland
Headway offers a range of services to those suffering with acquired brain injury, including support for their family members. They’re also able to offer training and educational support for sufferers hoping to get back into work or education.

They specialise in day rehabilitation, offering group and individual work to help get the most of out their sessions. Find out more about how they can help you on their website.

Acquired Brain injury Compensation Ireland

Brain injuries don’t only have a devastating effect socially, but they can also have a financial impact on a sufferer and their family. Preparing a home to support someone with an acquired brain injury can be expensive, along with any non-funded treatments and travel.

If your brain injury wasn’t your fault, and caused by negligence or an accident of any kind you could claim brain injury compensation.

Get in touch with one of our understanding solicitors today and find out how we can help. We understand how delicate brain injury is and will do our best to provide you with the best outcome. You can learn more about our processes and our solicitors here, and our personal injury* help page has more information on how we can help.

Alternatively, you can call us on 1890 989 289, email us on info@gibsonandassociates.ie/ or complete an Online Enquiry and we’ll be in touch with you shortly.

*In contentious business, a solicitor may not calculate fees or other charges as a percentage or proportion of any award or settlement

First Time Buyers In Dublin – A Property Buying Guide

flooded home

Dublin has recently been dubbed ‘the most attractive property market in Europe’ with investors and residential buyers alike, sizing the capital up for its strong return on investment, high rental demand and the city’s invigorating, historic and cosmopolitan feel.

With house prices steadily on the rise, the property market in Dublin offers first time buyers both affordability and a sturdy investment opportunity. However, for new and seasoned buyers alike, the process of buying property can seem like an endless race through jumps and hoops.

But with the right support and information, buying your first property in Dublin can be a positive and hectic-free process.

Our Dublin Property Buying Guide will provide you with a checklist of everything you need to consider and do when buying property in Dublin.

Follow the guide down or use the drop down links below to skip to a specific area:

  1. Choosing your Property
  2. How Will You Pay For Your Property?
  3. Method of Sale: Auction or Private?
  4. Is the Property Freehold/Leasehold?
  5. Property Title
  6. Searches Against the Property
  7. Total Costs
  8. Make an Offer
  9. Exchanging Contracts

1. Choosing Your Property

Dublin is a large city with a huge amount of choice and variety, offering something to buyers with all ranges of budgets and personal preferences. However there are many other aspects about the property that you need to consider before sealing the deal.

What can I realistically afford?

If, like most people, you’re borrowing to buy, it’s important to consider how much you can afford to borrow. Most people set out with a budget in mind, however dream properties can sometimes get the best of us, and bigger mortgages are applied for.

After you find out how much your creditors will loan you to buy a property, you should consider carefully if the repayments associated with the loan are something you can comfortably afford.

Even if you are granted a bigger mortgage than expected, allowing you to buy the home of your dreams, remember that years of hefty repayments can have a huge impact on your personal finances. Big mortgages can become a burden if you lose work or find yourself in any other type of financial crisis.

Where is the Property Located?

Buying a property is about more than owning your own home, and in a city like Dublin where property investments are set to offer good returns, it’s important to think about how the location of your property could impact the return on investment you’ll receive if and when you chose to sell the property.

Before buying, ask yourself the following:

  • Is the area where the property is located popular/likely to become popular?
  • What is the crime rate like in the area?
  • Are there good schools/shops/restaurants near by?
  • How good are the transport links?
  • Is the property near main roads/motorways?
  • Is there development work set to take place where the property is situated? Will these help or hinder the property’s profitability?

Why am I Buying Property?

Many people buy property for lifestyle purposes, while others for investment reasons. Either way, it’s important to think long term about what a property can offer you.

For example, the first property bought by an individual will act as the foot in the door needed to get onto the property ladder, so consider how you might make your money grow once you’ve bought a property. Renovation, redecorating and choice of property location all come into this.

If you’re looking at a property for the long term, and not only as a way into the market, you need to think about how the property will serve you for the years to come.

  • Are you starting a family?
  • Is the property big enough for your current or growing family?
  • Is the outside space sufficient?
  • Does the area offer you everything you need in terms of amenities?
  • Is there space to grow your property if you wanted to?

2. How Will You Pay For Your Property?

Ahead of buying, you’ll need to secure funding for a property. If you’re able to buy in cash, you will already have this sorted, but if you’re borrowing, this means a mortgage for the proposed price of the property has to be secured ahead of the sale.

Choosing a Mortgage

The market for home lending is very competitive, with banks and the various lending institutions all offering various deals and rates, so you need to talk to as many providers as possible to understand how each can help you.

Talk to prospective lenders about interest rates, general terms of the contract, and contract length.
Once a lender has given you an idea of the amount they are willing to lend you, you can determine your actual budget.


If you are using a mortgage to buy, you will need to put down a deposit on the property. This is usually anywhere between 10-30% and will decrease the mortgage amount you need to apply for. Before buying, you need to have this deposit saved and ready to use.

Most people use savings and monetary gifts from family to pay a deposit.

Help to Buy for First Time Buyers

From January 2017, first time buyers in Ireland will be able to claim a tax rebate of up to €20,000, or equal to 5% of the value of the house they are buying. This incentive is to help people purchase new homes in Ireland, and is aimed at people who might not be able to afford to put down a big enough deposit in line with Central Bank Mortgage Rules. However, this rebate applies to new buildings only.

This rebate can also be claimed on new homes bought since July 19th 2016.

Furthermore, extra savings can be made if first time buyers also take out a mortgage that offers 2% or 3% cashback, meaning first time buyers could get as much as 7% cashback when buying.

3. Method of Sale: Auction or Private?

Understanding how your property will be sold is crucial, and although most property is sold privately, some people choose to buy property sold in auctions.

Although property auctions can be intimidating, especially for those with little buying experience or knowledge, they can also be a great option for those with smaller budgets or who are looking for an investment project to do up.

However, if you plan to buy this way, organisation is key. It’s essential to have the property surveyed before attending the auction, as well as having the title of the property investigated before the financial arrangements put in place.

You’ll also need to instruct a solicitor to ensure your wellbeing from a legal point of view.

4. Is the Property Freehold/Leasehold?

Knowing whether your desired property is freehold or leasehold is important, as it may determine what you are able to do with the property in the future.

A freehold interest in property is the highest interest that can be held, and allows an owner do exactly as they wish with the property. The property also belongs to the owner forever, until they choose to sell it.

A leasehold interest is less than a freehold interest, and means the owner just owns the building and not the land it is on. It also fixes your ownership for number of years – not forever, like freehold properties.

Leasehold properties also require owners to pay a ground rent to the person who owns the ground it is built on, an amount of which can vary. Often this is payable to the local authority, and will add to your regular expenses.

Be clear when buying, and discuss the pros and cons with a trained property solicitor.

5. Property Title

A property’s ‘title’ is the document that verifies that you that own the property, and guarantees that no one else can claim that they do instead. You need to be clear on what type of title your property has – a solicitor can help you identify which you need.

In Ireland, there are two types of property title:

  • The registration of title system (Land Registry) which provides a State-guaranteed title to property

When title or ownership is registered in the Land Registry, all relevant details concerning the property and its ownership are entered on documents known as folios. These form the registers maintained in the Land Registry.

Any property registered at the Land Registry is known as registered land, as every transaction on a property is registered on a folio. The folio is guaranteed by the State as a confirmed record of the title to the property to which it refers.

  • The registration of deeds system (Registry of Deeds) which records the existence of deeds and conveyances affecting property

The Registry of Deeds title is that which is registered with the Registry of Deeds. It is used when the title has built up over a number of years, and includes Deeds of Conveyance used to transfer freehold-unregistered land or Deeds of Assignment used to transfer leasehold unregistered land.

On completion of a sale of an unregistered property, the purchase deed is lodged with the registry of deeds where the details of the registration and the time of the registration are noted on the Deed.

6. Searches Against the Property

Depending on your plans for the property, a number of ‘searches’ are required to be made against the property ahead of the sale. These include:

  • A planning search

This is to determine whether the property is zoned residential, commercial or otherwise, whether there any proposals for road widening in the area; and whether or not any applications for planning permission in respect of the property have been granted or indeed rejected.

  • A licensing search

This is needed for properties acting as a pub or a hotel, and establishes whether or not licensees for alcohol and other restricted goods are permitted.

Discuss with your solicitor whether or not you need to carry these out ahead of purchase.

7. Account for All Costs

There are several extra costs involved in buying a property, most of which are separate to the purchase price of the house. These need to be accounted for ahead of buying, and include:

  • Stamp Duty

This fee applies to all transactions made in relation to purchasing the property, and will depend on the value of the house.

  • Search Fees

These will vary depending on the title and extent of the enquiries to be made, but any searches made on the property in advance of buying will need to be paid for.

  • Solicitors Fees

You’ll need to contract a solicitor to carry out the property conveyancing, and this can vary from solicitor to solicitor. Many offer extra services such as will writing along with their conveyancing service, so it’s worth asking around to get the best deal. You can find out more about our conveyancing service here.

  • Surveyors Fees

Having a property surveyed is critical for assessing the condition of the property. An experienced surveyor can flag up any structural issues with a property that may impact you in the future. Failing to do so can leave you vulnerable to expensive repairs or restoration.

  • Registration Fee

These are the costs associated with registering the title with either the Registry of Deeds or the Land Registry.

  • Insurance

All properties need insurance, and while it’s the seller’s responsibility to have the property insured up to the date of the closing, once the purchase is completed, it is the responsibility of the purchaser to ensure the property is insured.

Buyers will also need mortgage protection insurance. This ensures that if the borrower dies, the insurance will pay off the remainder of the mortgage.

8. Make an Offer

Once all the above is done, it’s time to make an offer on your chosen property. But before you do, make sure you’ve considered the following:

  • Often, first time buyers, buyers with no chain and buyers who have pre-arranged mortgages have a head start on most of the competition. If this is you, make the agent and seller aware of this, as this can put you in a very favourable negotiating position, especially if the seller is in a chain.
  • Check if the sellers are in a hurry to sell or have been trying to sell for a long time. If so, they may be willing to accept a lower offer to make the sale.
  • Check, check and re check what the property is truly worth. While sold house prices in the area can help give an idea of recent sales, it’s better to see what the current competition is like.

Once you are certain of how much you will offer, your solicitor will contact that of your seller with the amount you have decided on. It is then up to them whether or not they will accept.

If the seller does accept your offer, ask them to take the property off the market. They don’t legally have to do this, but asking them to do so will prevent other potential buyers coming in and offering a counter offer.

9. Exchanging Contracts

When the signed contracts are swapped between the two legal firms representing the buyer and seller, and a deposit is paid by the buyer, this is when an agreement to buy or sell becomes legally binding.

Your solicitors must draw up contracts, and both parties must agree upon a completion date. Once these have been finalised and signed by both parties, the house will legally be yours, and no one can back out of the agreement.

Property Conveyancing with Gibson & Associates

At Gibson & Associates, We offer a true quality of service when it comes to conveyancing.

Our job is to make sure your property transaction proceeds smoothly and efficiently, and we pride ourselves on our extremely professional and high-quality service.

While our solicitors will handle all the details of a property exchange, they will also ensure you’re kept in the loop, explaining the process in an approachable and jargon-free manner.

We also offer fixed fees on all our conveyancing services, so you’ll never pay more than first agreed. We also offer our clients a free will when they use our conveyancing service.

Get in touch with our dedicated team today. We’d be delighted to answer any queries or questions you may have. You can call us on 1890 989 289 or you can email us at info@gibsonandassociates.ie/. If you’d prefer, you can also use our Online Enquiry Form.

The Summertime Beauty Of Donegal in 15 Photos

Donegal Castle

Ah, at last! The summer time is here. The days are longer, the air is warmer and Donegal is looking more beautiful than ever.

And it seems that everyone lucky enough to gaze at the rolling Donegal landscapes agrees. Holiday makers and residents alike have taken to twitter to share their best summer snaps of our beloved county.

So, for your enjoyment, we’ve collated the 15 photos that represent the true beauty of Donegal in the summertime. Enjoy!

1. Beautiful Bundoran

2. Summer Evening on The Beach

3. Cruit Island Sunset

4. The Different Skies of the Donegal Summer

5. A Moody Irish Summer

6. Summer Foxgloves in Donegal

7. Long Summer Donegal Beach Days

8. Stunning Slieve League

9. Calm Summers Day in Donegal

10. Breathtaking Beaches

11. Rolling Donegal Valleys

12. Open Sea Swims

13. White Sands of Donegal

14. Rural Donegal

15. Lively Donegal Town Centre

Share Your Pictures With Us

Do you have any pictures of Donegal in the summer time? We’d love to see them. Share them on our facebook wall and we’ll gladly share with all our followers!

Gibson & Associates Sponsor Nikki Bradley’s Glacier Adventure

Nikki Bradley crossing Glacier

On Friday, the 26th February, Nikki Bradley and a group of fellow adventurers from Donegal will travel to Iceland for the adventure of a lifetime – to scale a glacier.

Nikki was diagnosed with Ewing’s Sarcoma when she was 16, a rare disease in which cancer cells are found in the bone or soft tissue. After undergoing two hip replacements, chemotherapy and radiotherapy, and learning she would need crutches permanently, Nikki decided not to fall apart, but to take her life back.

Nikki Bradley Glacier

In 2013, she set up her awareness campaign, ‘Fighting Fit For Ewings’ (FFFE), which focuses on fitness and completing physical challenges. Its purpose is to highlight how important exercise is for rehabilitation, challenge society’s view on what can be achieved regardless of physical ability, whilst also inspiring people in similar situations to tackle pain and immobility head on. Since launching FFFE, Nikki’s successfully climbed Muckish Mountain, she’s become the first woman to abseil off Fanad Head Lighthouse and she’s competed in and trained for multiple races.

Her latest challenge is something most people wouldn’t dare dream of attempting – let alone on crutches! Before even crossing the glacier ice, Nikki and her team will have to cross rivers, navigate through lava fields, and make the long trek to the entrance of the glacier. The journey in its entirety is expected to take 5 days to complete, during which time they’ll be exposed to extreme weather conditions, freezing temperatures and be pushed to their physical limits!

The talented group accompanying Nikki on her expedition include Paul Doherty, a professional cameraman, Denis Ferry and Les’ODonnel, both expert drivers and trained mechanics, and Ian Parke, a rope expert.

Gibson and Associates are proud to sponsor Nikki and the cause she is fighting for. We wish her and her team the best of luck on their adventure. If you would like to learn more about Nikki and ‘Fighting Fit For Ewings’ you can visit her Facebook page here and her website here.