Public Sector Mortgages

In the journey to homeownership, those working in public sector roles, have special options.

Getting a quote is the first step in your journey!

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Understanding Public Sector Mortgages

Public sector mortgages are tailored to meet the unique needs of employees working in various governmental organisations, including local councils, public hospitals, schools, and other public service entities. These mortgages are designed to offer favourable terms and conditions to support public sector workers in purchasing their own homes.

Benefits of Public Sector Mortgages in Ireland

Public sector mortgages provide numerous benefits tailored to the unique circumstances and needs of public sector employees, making homeownership more accessible and affordable.

Higher Borrowing Limits

With the inclusion of contractual allowances and the ability to include 100% of overtime pay, public sector employees may qualify for larger mortgage amounts compared to traditional mortgage products. Lenders may offer loans based on projected future income, with some considering your basic pay to be three points higher on the pay scale.

Fast and Easy Process

The entire process of getting a public sector mortgage is often streamlined and efficient. Mortgage lenders usually have dedicated teams focused on facilitating the application process, allowing borrowers to move into their new homes more quickly and with less hassle.

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yue Z.

Isabel in LowQuotes helps us lots to get our mortgage protection. She helps us find the right product, answers our questions when needed. She also follows up with us at the right time to make sure she’s there when we need her help.

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Response from the owner: Hey Fintan,We’re delighted to hear about your positive experience with Bernadine. It’s great to know she was able to explain everything clearly, keep you informed throughout, and secure such a fantastic rate for your mortgage. We aim to make the process as smooth and stress-free as possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

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Found Colin extremely easy to deal with

Response from the owner: Hey Sinead,We’re delighted to hear about your positive experience with Colin. It’s great to know you found him so easy to deal with, making the process simple and straightforward is exactly what we aim for.If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

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Response from the owner: Hey Roxana-Maria,We’re delighted to hear about your positive experience with Conor. It’s great to know he went above and beyond to answer your questions, make the adjustments you needed, and secure the best deal for your life insurance. We always aim to make the process fast, clear, and stress-free, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

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Response from the owner: Hey Alan,We’re delighted to hear about your positive experience with Maik. It’s great to know he made the process of arranging life cover seamless and that you found our prices competitive. We aim to make arranging cover over the phone as clear and stress-free as possible, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

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Response from the owner: Hey Amanda,We’re delighted to hear about your positive experience with Niamh. It’s great to know she was professional, friendly, and efficient, while also going above and beyond to secure the best mortgage offer for you. We aim to provide clear guidance and strong support throughout the process, so your feedback means a lot to us!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

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Highly recommended! I had help from Isabel, who was always friendly and patient. It took us quite a long time to finally get cover for mortgage protection due to a few health issues, but we got there in the end! She made the process easy, and was constantly calling up whenever there was queries and delays. The whole experience was really good, I was never waiting long for a reply, any time I called she picked up straight away. Took away a lot of the stress associated with struggling to find cover! Thanks a million 🫶🏼

Response from the owner: Hey xo,We’re so pleased to hear about your positive experience with Isabel. Getting mortgage protection in place can sometimes be a longer journey when health factors are involved, but we’re delighted that Isabel’s patience and support made the process as smooth and stress-free as possible for you.It’s great to know you felt looked after every step of the way, quick responses and clear communication are exactly what we aim for. Thank you so much for recommending us, and we’re thrilled to have helped you secure your cover in the end!Best Regards,LowQuotes Team

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Response from the owner: Hey Caroline,We’re so glad to hear about your experience with Bernadine! It’s wonderful to know you found her diligent and such a great support throughout the process.Thank you for your kind words and recommendation, it really means a lot to us. We’re delighted Bernadine could make the experience such a positive one for you.Best Regards,LowQuotes Team

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Response from the owner: Hey Monica,We’re delighted to hear about your positive experience with Colin. It’s great to know he was able to guide you clearly through the process and secure the best deal for your mortgage protection. We always aim to make things straightforward and stress-free, so your feedback means a lot! If you have any questions in the future, we’ll be here to help.Best Regards,LowQuotes Team

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Tailored for Public Sector Employees

These mortgages are specifically designed to meet the needs of public sector employees, with features such as flexible repayment terms and eligibility criteria that consider the stable nature of public sector employment.

Gifted Deposits

Public sector mortgage schemes may allow for 100% of the deposit to be gifted, depending on the lender, provided the borrower can demonstrate repayment capacity, making it easier for borrowers to access homeownership with the help of family or friends.

Additional Payments

Depending on the lender, you can make extra payments of up to 20% of your mortgage in a 12-month period without being penalised. This will reduce both the duration of your mortgage and the total interest paid.

Government Support

Public sector mortgage schemes receive support or backing from the government, such as the First Home Scheme and the Help to Buy Scheme.

Extended Age Limits

The maximum age at mortgage expiry is often higher for public sector mortgages, allowing borrowers more time to repay their mortgage. The maximum age at maturity is 70.

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Who qualifies for public sector mortgages?

While eligibility requirements can vary depending on the specific mortgage scheme and lender, typical criteria for public sector mortgages may include:

Eligibility Criteria

Employment with a recognised public sector organisation such as teachers, army officers, nurses, doctors, and guards.
At least one applicant must be employed in the public sector.
First-time buyers, Second-time buyers, and those switching from another lender and possibly releasing equity in their home.
Applicants must possess the required authorisation to reside and work in the state

Property Requirements

All properties must be located in the Republic of Ireland.
Properties must be used as primary residence for applicants.
A minimum deposit of 10% of the purchase price is required.
A full valuation of each property is necessary.
Mandatory requirements include life insurance and home insurance.

Age Limit and Repayment Capacity

The minimum age of applicants is 18 years, and the maximum age at maturity is 70 years.
Applicants must demonstrate a proven repayment capacity to meet stress test repayments.

How is the process to apply for a mortgage?

1. Enter your details

Your dedicated award-winning mortgage advisor will guide you through your application.

2. Digital Application

Log in to your digital application portal and upload all documents required. You can even sign digitally to make the process even easier and hassle-free.

3. Approval

Check your application’s status at your convenience. Indicative Approval in 72 hours after assessment.

Watch our online system in action

Watch how seamless and straight-forward Applying for your first mortgage is. In under 10 minutes you can complete your application. All with guided assistance from your very own dedicated Mortgage advisor.

Meet our Team of Expert Advisors

Bernadine Day

Mortgage Team Leader

Niamh McCaul

Mortgage Department

Tiernan Brennan

Mortgage Department

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Your Questions Answered

How does a public sector mortgage differ from a private sector mortgage?

Basic pay may increase the amount you can borrow

When applying for a mortgage, some lenders may consider your basic pay to be three points higher on the pay scale.

Consequently, your income evaluation for the application will be higher, potentially resulting in the lender offering a larger loan amount.

Overtime

If you receive variable income, such as shift allowance or overtime, you can include 100% of it in your mortgage calculation by providing a two-year employment summary.

Probation Period

When it comes to probationary periods, they will cover current public sector workers who have been promoted or transferred during a 12-month probationary period. On the other hand, the admission of new applicants will be evaluated individually based on their work history.

Contractual Allowances

You can apply 100% of your contractual allowances, allowing for a larger mortgage if needed.

Gift

100% of the deposit can be gifted, provided that there is evidence of repayment capacity.

Maximum Age

The maximum age at mortgage expiry has been raised to 70 years old.

Are mortgages more favourable for civil servants?

Mortgage lenders tend to prefer individuals in secure employment with a substantial income. Therefore, government employees often meet the job stability requirements set by most lenders. This makes it easier for civil servants to get higher income limits and loan amounts.

What documents are required for a public sector mortgage application?

Required documents may include proof of identity, proof of income (such as payslips or tax returns), employment verification, bank statements, details of existing debts or financial commitments, and information about the property being purchased.

Can I use a public sector mortgage to buy a property for investment purposes?

Public sector mortgages are intended for purchasing properties to be used as primary residences. Using the property for investment purposes may not be allowed under the terms of the mortgage agreement.

What is Approval in Principle (AIP)?

This is when you are given an indication of approval from our first discussion with you, without having to see any documentation. This is not guaranteed approval.

Warning: You may lose your home if you do not keep your repayments.

Warning: The cost of your monthly repayments may increase.

Warning: You may have to pay charges if you pay off a fixed-rate loan early.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, limiting your ability to access credit in the future.

Warning: The entire amount you have borrowed will still be outstanding at the end of the interest-only period. The lender may adjust the payment rates on this housing loan from time to time. (Applies to variable-rate loans only).

We’re proud to have been featured in Ireland’s leading media outlets, sharing insights on insurance, mortgages, and financial planning.

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