Forster Court, Galway City, Galway, H91 W9YY
O’Donnellan & Joyce Auctioneers are delighted to offer to market this exceptional four bed detached residence in the popular city location of Forster Court in the heart of Galway City.
As expected from city living, all amenities are within easy reach & the property is within walking distance of Eyre Square, Shop Street & all of Galway City’s popular landmarks.
Despite the bustling location, the development offers a quiet & private atmosphere with well managed communal grounds with mature tree lines & green space.
No.66 Forster Court is presented to the market in excellent condition ample accommodation measuring circa 112.72 sq.m over two stories.
The ground floor features a large entrance hall with an under-stairs guest bathroom, a living room adjacent to a spacious kitchen-dining area with an open-plan concept & modern fittings, and a spacious utility area with access to the rear garden.
Upstairs is arranged between four large bedrooms, with the master availing of an en-suite. Finishing off the accommodation is a main family bathroom.
Externally, 66 Forster Court is on a corner site overlooking a communal green area to front. The front offers ample parking for multiple cars & gated side entrances lead to a substantial walled rear garden with a patio and lawn area.
College campuses such as Yeats College, University of Galway & ATU College are all easily accessible either on foot or via the excellent road, bus & transport network.
Perfectly positioned within minutes of the City bus & train stations, Dexcom Stadium on nearby College Road, making this property is the ideal city centre pad.
The M6 motorway is easily accessible, providing quick links out of Galway to many of Ireland’s largest cities, towns, and villages.
No 66 Forster Court is an ideal residence for a variety of purchasers, whether for owner occupancy or investment, given the quality, condition, ample space & ideal location.
Viewing is highly recommended.
Keep up to-date with NEW PROPERTIES by registering your details on our database
For Further details please contact our office on 091-564212
OFFICE OPENING HOURS – MON TO FRI 9AM TO 5:30PM
Properties can be viewed on our website www.odj.ie
NOTE: These particulars are not to be considered a formal offer. They are for information only and give a general idea of the property. They are not to be taken as forming any part of a resulting contract, nor to be relied upon as statements or representations of fact. Whilst every care is taken in their preparation, neither O’Donnellan & Joyce Auctioneers nor the vendor accept any liability as to their accuracy. Intending purchasers must satisfy themselves by personal inspection or otherwise as to the correctness of these particulars. No person in the employment of O’Donnellan & Joyce Auctioneers has any authority to make or give any representation or warranty whatever in relation to this property.
Devon Gardens, Salthill, Galway City, H91 DKN1
O’Donnellan & Joyce welcome 1 Devon Gardens, to the market, a fantastic four bed semi-detached home, in the popular seaside village of Salthill, Galway.
Positioned off Salthill’s main throughfare the area offers huge range of amenities with an abundance of shops, schools, cafes, bars and restaurants.
The iconic Salthill Promenade, beautiful blue flag beaches and Blackrock diving tower are all within walking distance and the area provides an abundance of outdoor facilities.
No 1 Devon Gardens occupies a prime corner site, perfectly positioned close to the junction with Dr Mannix Road and Devon Park. The property overlooks a large green space, and the location provides the perfect balance of city convenience and coastal tranquillity.
A standout feature of this home is the external space measuring approximately 422 sqm / 0.10 of an acre, which is suitable for further development subject to required planning.
Externally the property offers space in abundance and benefitting from an enviable South Easterly aspect, with a large front and side gardens with mature planting throughout and ample off street parking.
No 1 Devon Gardens is comprised of an entrance porch leading into the hallway, to the left of the hall is main sitting room with feature fireplace and then to the right is a second living room which is also suitable as a playroom or office. Both rooms overlook the front garden and driveway.
Towards the rear of the home, you will find an open plan kitchen come dining area and a separate dining room or optional. A downstairs bathroom and back entrance complete the ground floor.
Upstairs the accommodation is comprised of main family bathroom and separate WC, four bedrooms, three of which are doubles and one single.
Also within walking distance is the local GAA grounds at Pearse Stadium and a number of notable national and secondary schools such as Taylors Hill, Salerno and St Enda’s while still being situated in a quiet residential location.
A mere 15-minute walk from the vibrant cobbled streets of Galway city centre, Galway’s West End and the Latin Quarter with its many shops, bars and restaurants.
Additionally, the property is also serviced by excellent transport links bringing an abundance of local amenities to its doorstep such as University of Galway and UCHG and a host of shops & services.
Properties in this area rarely come to the market and this is a unique opportunity to acquire a spacious family home with the potential to become a wonderful modern family residence.
Viewing is highly recommended and guaranteed not to disappoint.
Keep up to-date with NEW PROPERTIES by registering your details on our database
For Further details please contact our office on 091-564212
OFFICE OPENING HOURS – MON TO FRI 9AM TO 5:30PM
Properties can be viewed on our website www.odj.ie
NOTE: These particulars are not to be considered a formal offer. They are for information only and give a general idea of the property. They are not to be taken as forming any part of a resulting contract, nor to be relied upon as statements or representations of fact. Whilst every care is taken in their preparation, neither O’Donnellan & Joyce Auctioneers nor the vendor accept any liability as to their accuracy. Intending purchasers must satisfy themselves by personal inspection or otherwise as to the correctness of these particulars. No person in the employment of O’Donnellan & Joyce Auctioneers has any authority to make or give any representation or warranty whatever in relation to this property.
Bruckey, Castlegar, Co Galway, H91V40T
A BEAUTIFUL DETACHED FAMILY HOME IN A PICTURE-PERFECT LOCATION
O’Donnellan and Joyce Auctioneers offer for sale this outstanding four bed detached home in the sought after location of Castlegar, Galway, a truly convenient and quiet setting.
Bruckey offers the seclusion of the countryside retreat while still within easy reach of Galway City and all necessary amenities for modern day living.
Falling within the local parish of Castlegar, this location is ideal for any purchaser and offers ease of access to both the East and West sides of Galway.
Originally constructed in 1988, the property offers approximately 213.4 sq.m over two stories, offering impressive living space & ample bedroom accommodation throughout.
The home has been extensively renovated in recent years and is presented in excellent turnkey condition, with quality finishes and tasteful décor evident throughout.
The ground floor features a spacious entrance hall, a main living room with feature fireplace, a wonderful bright conservatory and a large open plan kitchen & dining area. A second family living room, office/study, large utility and guest WC completes the ground floor
Upstairs, the property comprises of a main bathroom, four generous double bedrooms and a storage press. The master bedroom boasts a walk-in wardrobe and ensuite bathroom.
Externally, the home offers a tarmacadam driveway with ample parking for multiple vehicles, along with well-maintained lawns and paved patio areas to the front, side, and rear providing excellent outdoor space for relaxation and entertaining.
This property offers it all, the main Galway -Tuam Road can have you in any destination within a short time, providing access to McHughs highly rated local pub and restaurant, several shopping centres, retails parks, cafes, hotels and all other necessary amenities.
The area is well serviced with several excellent National & Secondary Schools and the magnificent ATU College Campus.
Also in the area are several popular employment hubs, business parks, hospitals & multi-nationals.
Outdoor amenities located nearby include Castlegar GAA Club, Ballyloughane Beach, Renmore parklands, Lough Atalia and Galway City Sailing Club.
The area is excellently serviced by quality transport links allowing easy access to Galway City Centre, neighbouring suburbs, as well as the M6 & M18 motorways.
Homes in this idyllic location rarely come to the market, making this one of the finest turnkey homes to be available for some time, with the added option to negotiate the sale fully furnished for ultimate convenience.
Viewing is highly recommended and is guaranteed not to disappoint.
Keep up to-date with NEW PROPERTIES by registering your details on our database
For Further details please contact our office on 091-564212
OFFICE OPENING HOURS – MON TO FRI 9AM TO 5:30PM
Properties can be viewed on our website www.odj.ie
NOTE: These particulars are not to be considered a formal offer. They are for information only and give a general idea of the property. They are not to be taken as forming any part of a resulting contract, nor to be relied upon as statements or representations of fact. Whilst every care is taken in their preparation, neither O’Donnellan & Joyce Auctioneers nor the vendor accept any liability as to their accuracy. Intending purchasers must satisfy themselves by personal inspection or otherwise as to the correctness of these particulars. No person in the employment of O’Donnellan & Joyce Auctioneers has any authority to make or give any representation or warranty whatever in relation to this property.
Seacrest, Shangort Road,, Knocknacarra, Galway, H91PPR4
O’Donnellan & Joyce Auctioneers are pleased to offer for sale this detached residence in the ever popular Seacrest location of Knocknacarra.
97 Seacrest is a spacious property comprising of approximately 136.9 sq.m & well presented throughout having been well maintained by current owners.
The ground floor comprises of spacious living room to the front & an open-plan kitchen-dining area at the rear of the house, as well as an adjacent utility & separate guest bathroom.
Additionally, 97 Seacrest benefits from a front room offering a variety of options including a private study or downstairs bedroom.
Upstairs offers four sizeable bedrooms, one availing of its own en-suite, and a main family bathroom.
Externally, the front of the residence consists off-street parking & mature greenery, whilst the rear of the home boasts a beautiful space with mature greenery, separate solid shed & a sought after westerly aspect.
The Seacrest location is second-to-none being one of Knocknacarra’s most established & popular residential areas.
The family-friendly environment is positioned off the Shangort Road benefitting from local amenities & services with quality local schools, cafes & gyms within walking distance.
Several retail parks are within easy reach including Tesco & Gateway Retail Park.
Regular transport links give easy access to Galway City, University & UCHG.
Seacrest also benefits from proximity to several outdoor landmarks such as Cappagh Playing Fields, McGrath’s Field & Playground, Barna Woods, Silver Strand Beach & Salthill Promenade
No.97 Seacrest will be a perfect property for a variety of purchasers seeking spacious accommodation, good condition with further potential, and in one of Knocknacarra’s most established & popular areas.
Keep up to-date with NEW PROPERTIES by registering your details on our database
For Further details please contact our office on 091-564212
OFFICE OPENING HOURS – MON TO FRI 9AM TO 5:30PM
Properties can be viewed on our website www.odj.ie
NOTE: These particulars are not to be considered a formal offer. They are for information only and give a general idea of the property. They are not to be taken as forming any part of a resulting contract, nor to be relied upon as statements or representations of fact. Whilst every care is taken in their preparation, neither O’Donnellan & Joyce Auctioneers nor the vendor accept any liability as to their accuracy. Intending purchasers must satisfy themselves by personal inspection or otherwise as to the correctness of these particulars. No person in the employment of O’Donnellan & Joyce Auctioneers has any authority to make or give any representation or warranty whatever in relation to this property.
New Road, Galway City, Galway, H91FW2N
O’Donnellan & Joyce Auctioneers are privileged to offer for sale this substantial terraced residence in the heart of Galway City.
No.6 New Road is a spacious mid-terrace property offers exceptional accommodation with approximateyl 151.4 sq.m.
Originally constructed circa 1950, the residence will benefit from modernisation but offers excellent potential & charming character throughout.
The ground floor is arranged with two large living/reception rooms to the front, a downstairs bathroom, kitchen with garden access, and a sizeable back room offering a variety of options. Upstairs offers five bedrooms & a main bathroom.
Externally, no.6 New Road offers off-street parking to the front, a huge benefit for Galway City living, whilst the private rear garden offers excellent depth & plentiful mature greenery.
In terms of location, no.6 New road is second-to-none. Situated right in the heart of Galway City, the property is within close proximity or walking distance to all of Galway’s most iconic attractions such as Spanish Arch, Claddagh Basin, the vibrant Lation Quarter & West and Galway City Centre.
Amenities are in asbundance, as expected from city living, whilst the area is also ideal for family living being within close proximity to a host of quality local schools, Galway University & UCHG, and plentiful outdoor facilities such as South Park, Millennium Park, Fisheries Fields, Dangan Sportsground & the beautiful Galway canals.
This home offers a rare opportunity to avail of a city centre residence with substantial space, internally & externally, and excellent potential throughout.
Viewing is highly recommended & guaranteed not to dissapoint.
Keep up to-date with NEW PROPERTIES by registering your details on our database
For Further details please contact our office on 091-564212
OFFICE OPENING HOURS – MON TO FRI 9AM TO 5:30PM
Properties can be viewed on our website www.odj.ie
NOTE: These particulars are not to be considered a formal offer. They are for information only and give a general idea of the property. They are not to be taken as forming any part of a resulting contract, nor to be relied upon as statements or representations of fact. Whilst every care is taken in their preparation, neither O’Donnellan & Joyce Auctioneers nor the vendor accept any liability as to their accuracy. Intending purchasers must satisfy themselves by personal inspection or otherwise as to the correctness of these particulars. No person in the employment of O’Donnellan & Joyce Auctioneers has any authority to make or give any representation or warranty whatever in relation to this property.
Dun A Ri, Kingston Road, Kingston, Galway, H91YC2W
O’Donnellan & Joyce Auctioneers are pleased to offer to market this spacious four bed semi-detached residence in one of Galway’s most popular and sought after residential locations.
4 Dun na Ri offers excellent potential with an abundance of living accommodation over three stories.
Upon entering the property, you are greeted with a bright, welcoming entrance hall with stairs leading to the living accommodation.
The ground floor comprises of a large living area with a feature stove and beautiful Herringbone flooring, double doors lead into the open plan kitchen come dining room, which overlooks the garden to the rear. Completing the ground floor is a guest WC.
Upstairs, the sleeping accommodation is arranged between three spacious double bedrooms, the master benefiting from an en-suite and a main bathroom.
The lower ground floor consists of an en-suite bedroom and a kitchenette.
Externally, the property is situated in a quiet cul-de-sac of just 8 homes, situated directly off the Kingston Road. 4 Dun na Ri benefits from a large private garden to the rear, as well as plentiful parking.
The location of Dun na Ri is second-to-none and is considered one of Galway City’s most sought-after residential locations. The family-friendly location is well serviced for local amenities with Tesco within walking distance, as well as being within proximity to Gateway Retail Park.
The area avails of several popular Galway landmarks within proximity such as Salthill Village, Promenade and Blackrock Diving Tower, Galway Golf Club, Galway Lawn Tennis Club, Rusheen Bay, Silver Strand and Barna Woods, whilst several secondary and national schools available make it popular for various buyers.
The area is also well serviced by local transport links, giving regular access to Galway City Centre and neighbouring Galway suburbs.
Viewing is highly recommended.
Keep up to-date with NEW PROPERTIES by registering your details on our database
For Further details please contact our office on 091-564212
OFFICE OPENING HOURS – MON TO FRI 9AM TO 5:30PM
Properties can be viewed on our website www.odj.ie
NOTE: These particulars are not to be considered a formal offer. They are for information only and give a general idea of the property. They are not to be taken as forming any part of a resulting contract, nor to be relied upon as statements or representations of fact. Whilst every care is taken in their preparation, neither O’Donnellan & Joyce Auctioneers nor the vendor accept any liability as to their accuracy. Intending purchasers must satisfy themselves by personal inspection or otherwise as to the correctness of these particulars. No person in the employment of O’Donnellan & Joyce Auctioneers has any authority to make or give any representation or warranty whatever in relation to this property.
Site At 9 Ard An Locha, Bushypark, Galway.
SERVICED SITE WITH FULL PLANNING PERMISSION
O’Donnellan & Joyce are delighted to offer this elevated site to the market within an exclusive development, known as Ard an Locha.
Ard an Locha is an exclusive cul-de-sac of just 9 sites on the periphery of Galway City.
No. 9 Ard an Locha provides a private mature site just shy of 1 acre positioned within a private cul-de-sac . The site has full planning permission for an impressive residence of over 8,000sq.ft over 2 floors (planning reference: 22/164).
Ard an Locha is well positioned within close proximty to all amenities and a mere 8 minute drive to Galway City Centre.
For further information, please contact Shane McDonagh of O’Donnellan & Joyce.
Glenina Heights, Dublin Road, Renmore, Galway, H91DE9W
O’Donnellan & Joyce Auctioneers are delighted to offer for sale a wonderful 5 bedroom detached residence in Glenina Heights.
Located in Renmore just off the main Dublin Road, this is one of Galway City’s most popular residential locations.
Renmore has plenty of communal green areas and facilities nearby such as Liam Mellows GAA Grounds, Galwegians Rugby Club, Kingfisher Leisure facilities, Renmore parklands, Lough Atalia playground, local community centre and the popular Ballyloughane Beach.
No. 12 Glenina Heights is a well-proportioned five bed detached residence that would benefit from some modernisation to provide the ideal family home or indeed a gilt edged investment property.
Built c. 1967, the property offers ample accommodation throughout with approximately 149 sq.m over two stories.
The ground floor is arranged around a large welcoming entrance hall with guest wc, separate living room, dining room and a kitchen leading from here. There is a utility room off the kitchen with access to a ground floor office or 5th bedroom.
Upstairs offers four substantial sized bedrooms and a main family bathroom with tub and separate shower.
Outside 12 Glenina Heights offers an impressive amount of space with a gated entrance, off-street parking, separate solid garage, front and rear lawn.
ATU College Campus, Merlin Park Hospital and the Garda Western Region Headquarters are a 5-minute walk away. Bon Secour Private Hospital is adjacent and Merlin Park Hospital and Galway Clinic are moments away.
There are excellent primary and secondary schools in the immediate neighbourhood and an array of shops, retails parks, cafes and hotels to provide all other necessary amenities.
Excellently serviced by quality transport links giving easy access to Galway city centre, neighbouring suburbs, as well as the M6 and M18 motorways.
12 Glenina Heights is an ideal property for a variety of purchasers, investors or owner occupiers looking for a great property in a well-established area of Galway City.
Viewing is highly recommended.
Properties can be viewed on our website www.odj.ie
OFFICE OPENING HOURS – MON TO FRI 9AM TO 5:30PM
NOTE: These particulars are not to be considered a formal offer. They are for information only and give a general idea of the property. They are not to be taken as forming any part of a resulting contract, nor to be relied upon as statements or representations of fact. Whilst every care is taken in their preparation, neither O’Donnellan & Joyce Auctioneers nor the vendor accept any liability as to their accuracy. Intending purchasers must satisfy themselves by personal inspection or otherwise as to the correctness of these particulars. No person in the employment of O’Donnellan & Joyce Auctioneers has any authority to make or give any representation or warranty whatever in relation to this property.
Ballymoneen Road, Knocknacarra, Galway, H91 728N
LAST TWO HOMES AVAILABLE
THE WILLOW Type A3 (No. 219)
4 Bed Mid Terrace – 132.7 sqm
Asking price €534,950
THE SPRUCE Type A2 (No. 220)
4 Bed Semi Detached – 133.2 sqm
Asking Price €569,950
O’Donnellan & Joyce Auctioneers are to delighted to bring to market, on behalf of our client O’Malley Construction, the last remaining homes in the exquisite Galway Development “Maolchnoc” located on the Ballymoneen Road, Galway.
Over the past 50+ years, O’Malley’s have been building residential communities & developments across Galway city & South Dublin, creating neighbourhoods & quality home living.
Situated on an elevated site, residents of Maolchnoc will benefit from spectacular views overlooking Galway city, coastline, & surrounding areas.
This development offers a range a homes finished to a high standard using traditional construction methods.
The properties have been designed by McCrossan O’Rourke Manning Architects. These modern homes are constructed to the latest building standards with high levels of specification and finishings.
The houses include a brick front elevation with Granite stone window cills & heads, private parking facilities on cobble-lock paved driveways for two vehicles & private back gardens with external gated access.
The latest standards of construction will be supplemented with concrete floors & stairs to the upper floor of the houses which gives greater sound proofing & fire resistance.
Underfloor heating is also being provided on the ground floor which will complement the main air source Heat Pump system and ensure a BER rating of A2 for each home.
This is achieved through additional insulation, airtightness, ventilation controls & a highly efficient heating system providing 24/7 hot water and advanced user controls.
Internally the properties have been designed to emphasise spacious and functional living areas that provide ample storage and comfortable surroundings. Each home comes with a main bathroom and separate en-suite off the main bedroom with tiled floors and wet areas only.
The Interior Designed Kitchen comprises a timber structure, painted wood doors, and an option to choose between laminated worktops (included) or Natural Stone / Quartz (upgrade option).
Homeowners will also benefit from approx. 1.2 acres of public open space as part of the development, including an exercise equipped play area, New Cycle paths, mature trees, and ecological features to encourage the use of the open spaces by wildlife and pollinators.
The scheme includes a Creche and Commercial Units for on-site convenience.
Buyers can choose from a number of well-established primary & secondary schools including Coláiste na Coiribe, while several other crèche and pre-school options are also available in the locale.
The local area is rich with some of Galway’s most well-known amenities – Barna Woods, Silverstrand beach, Cappagh Playing Fields, Salthill Promenade, Golf Clubs and many other amenities, providing residents with an instant sense of a community.
Much thought is also given to green space outside the home, both public and private, giving residents the opportunity to enjoy the outdoors in such a convenient location.
The nearby Western Distributor Road provides good transportation links to the city, Hospitals, and nearby Galway Retail Park along with excellent public transport options in the area.
Local shopping options include the Gateway Shopping Centre, Dunnes Stores, B&Q, Harvey Norman Lidl & Aldi. Cappagh Park is a wonderful outdoor resource for various outdoor activities. All within 2km.
Each home in Maolchnoc is covered by a 10 year Homebond Guarantee (10 year structural/latent defects insurance and mechanical & electrical Inherent defects insurance).
HIGHLIGHTS:
Highly efficient air to water heat pump
system with zoned heating controls,
thermostat controls and time clock.
Pressurised internal water system.
Interior Designed Kitchen with option to upgrade to Natural Stone /
Quartz.
Provision for cooker, oven, fridge, dishwasher and other appliances (By Others).
Tiling to kitchen floor, wet areas of Main Bathroom, En-suite and ground floor W.C.
Air quality provided by demand controlled mechanical extract ventilation system with relative humidity sensor.
Homebond Guaranteed (10 year structural/latent defects insurance and mechanical & electrical Inherent defects insurance)
INTERNAL FINISHES:
Internal walls plastered and painted.
Solid Concrete flooring to the first floor.
Concrete stairs
Thermostatically controlled underfloor heating on the ground floor. Fully pressurised system.
Generous electrical specification – All houses have ducting for future installation of car charging point. (E.V)
High performance BSI-certified double glazed windows, argon-filled for improved thermal performance.
“Palladio” insulated front door with multipoint locking system.
Down lighters to selected rooms.
Each home is wired and ready for connection to Virgin Media and EIR.
EXTERNAL FINISHES:
Solid block wall construction with brick
Elevations to Architect Design.
External walls plastered and dashed with natural stone.
Paved driveway with space for two cars.
Paved patio area to rear garden with external water tap.
Rear garden levelled and seeded with concrete post and panel fencing to side boundaries
External lights front & rear.
Common areas per landscape Design and designated play areas equipped and provided.
A Property Management Company has been appointed to manage all common areas and each home owner will become
a member of the Owner’s Management Company.
Keep up to-date with NEW PROPERTIES by registering your details on our database, please contact our office on 091-564212.
Properties can be viewed on our website www.odj.ie
NOTE: These particulars are not to be considered a formal offer. They are for information only and give a general idea of the property. They are not to be taken as forming any part of a resulting contract, nor to be relied upon as statements or representations of fact. Whilst every care is taken in their preparation, neither O’Donnellan & Joyce Auctioneers nor the vendor accept any liability as to their accuracy. Intending purchasers must satisfy themselves by personal inspection or otherwise as to the correctness of these particulars. No person in the employment of O’Donnellan & Joyce Auctioneers has any authority to make or give any representation or warranty whatever in relation to this property.
Sli Na hAbhann, Ballymoneen Road, Knocknacarra, Galway
Welcome to Slí na hAbhann, a stunning new development on Galway’s Ballymoneen Road. Just 7km from the city, the location is perfectly positioned between a vibrant urban centre and a peaceful rural landscape. Ideal for first-time buyers and commuters alike, Slí na hAbhann offers modern living enriched by a strong cultural heritage.
Featuring a mix of 2, 3, and 4-bedroom homes, every house in Slí na hAbhann is built to an exceptionally high standard of craftsmanship. Each property is thoughtfully designed with high ceilings, ample storage and natural light to prioritise comfort, convenience, and energy efficiency.
The development has play areas and generous green spaces, making it the perfect setting for families to thrive and reach new heights of community. Areas of the site enjoy a unique vantage point, with captivating views in every direction. From Connemara’s iconic dry-stone walls to the sparkling shorelines of Silver Strand, Slí na hAbhann is ideally placed to explore everything Galway has to offer.
The surrounding area provides an abundance of amenities, including shops, parks, schools, and transport links – all just minutes away. A selection of homes in Slí na hAbhann will be eligible for the Help to Buy scheme and the First Home Scheme, offering supports to make purchasing your first home more accessible. With a BER A2 energy rating, these homes also meet the criteria for Green Mortgages, allowing buyers to benefit from lower interest rates and long-term savings.