Owen McGee

speaker

1,739 appearances 11 recordings 2 series first heard May 2026 last heard 2d ago

Owen McGee’s voice in public audio — every appearance, attributed to the second.

Trend

recordings per month · last 12 months

Recordings per month over the last 12 months — 11 in all, peaking in Sep 2026 with 3.

Appearances

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Today with David McCullagh · Eoin McGee answers your money questions · 22 Sep 2026 podcast

So if you're on a 3% mortgage rate, double that, that's 6%. voice-verified

Do you think you can get 6% somewhere else with this money? voice-verified

And if it's really, so it was really easy years ago when interest rates were 1% and 1.2%. voice-verified

It was really easy to say, yeah, of course you will. voice-verified

When interest rates are four and five, all of a sudden you're going, oh, can you really get this? voice-verified

One of the key questions I'd ask somebody, and I would say this time and time again, you, nobody, nobody has any right or it's the wrong thing to do. voice-verified

If you aren't maximising your pension, you have no right to pay extra money off on a month-to-month basis off your mortgage or to pay a lump sum off your mortgage. voice-verified

Because we looked at the example a minute ago, €240 turns into €400 just with the tax relief. voice-verified

Then you get tax-free growth. voice-verified

Then you get some of it out tax-free and you do pay tax on the end of it. voice-verified

So the first port of call I'd be looking at with anybody in a situation like that where they're thinking of paying off the mortgage... voice-verified

is, well, you know what, you're maximising all of the other opportunities, specifically pension and then investment opportunities and everything else before you do it. voice-verified

Once you put the money off the mortgage, it's gone. voice-verified

In three months' time, if your life falls apart and you need the money back, you're going through underwriting and your life has just fallen apart and they may not give you the money back. voice-verified

Having said all that... voice-verified

sleep is more important than money. voice-verified

And what I mean by that is, if you're going to sleep better at night tomorrow night because you clear off the mortgage tomorrow morning, just go for it and don't look back. voice-verified

Okay. voice-verified

OK, so you've obviously ridden out the waves up to this point and you've got to here and you've managed to hold on to your tracker. voice-verified

There's a couple of things that come into play here. voice-verified

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