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.

LowQuotes.ie

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Ita F.

Would highly recommend. Rebecca put us at so much ease and was prompt in getting back to us with any questions we had.

Kumar D.

Great service, LowQuotes Team is super supportive and special mention to Cormac Logue helping me with entire product explanation and which helped to go for correct/suitable product as per our current requirement.

Response from the owner: Hi Kumar,Thank you so much for your kind words and 5-star review! We're delighted to hear that you had a great experience with the LowQuotes team, and we’ll be sure to pass your special thanks on to Cormac. He’ll be thrilled to know his support and product explanation helped you find the right fit for your needs.If you ever need anything else or have more questions in the future, we're always here to help.Warm regards,LowQuotes Team

Adrian T.

I had a great experience with LowQuotes, and I’d like to give special thanks to Cormac Logue for making the mortgage protection process smooth and stress-free.His professionalism, responsiveness, and efficiency really stood out. Everything was handled quickly and clearly — I couldn’t have asked for better support.Highly recommend!

Response from the owner: Hi Adrian,Thank you so much for the wonderful review and recommendation!We’re thrilled to hear you had such a positive experience with us, and we’ll be sure to pass your kind words on to Cormac. His dedication to making the process smooth and stress-free truly reflects what we aim to deliver at LowQuotes.We’re always here if you need anything in the future!Warm regards,LowQuotes Team

Roxanne S.

Great service, quick response, was very helpful in picking health insurance

Response from the owner: Hey Roxanne,We’re delighted to hear about your positive experience with our team. It’s great to know we could help you find the right health insurance and make the process quick and straightforward. We always aim to simplify the journey and ensure you get the best cover for your needs.If you ever need any further assistance or have questions in the future, don’t hesitate to reach out.Best regards,LowQuotes Team

Aisling M.

Bernadine was consistently supportive throughout the whole journey applying for our mortgage. Even when it got stressful for us, Bernadine kept us grounded and on track.

Response from the owner: Hey Aisling,We’re delighted to hear about your positive experience with Bernadine. It’s great to know she was able to support you throughout your mortgage journey and help keep things on track, even during the stressful moments. We always aim to make the process as smooth and reassuring as possible, so your feedback means a lot to us!If you have any questions or need assistance in the future, don’t hesitate to reach out.Best regards,LowQuotes Team

Victor A.

I had an excellent experience with Low.ie. Maik who helped me was phenomenal, incredibly patient, friendly, and very helpful throughout the entire process. Maik took the time to explain everything clearly and made sure my wife and I got the best possible offer for life and illness insurance ⭐️ ⭐️ ⭐️ ⭐️ ⭐️.

Response from the owner: Hey Victor,We’re delighted to hear about your positive experience with Maik. It’s great to know he was patient, friendly, and thorough in helping you and your wife secure the best offer for your life and illness insurance. We aim to make the process as clear and stress-free as possible, so your feedback really means a lot to us!If you ever need further assistance or have questions down the line, don’t hesitate to reach out.Best regards,LowQuotes Team

Claire M.

Cormac was brilliant — friendly, patient, and really knew his stuff. Made sorting my life and assurance policy so much easier. Highly recommend!

Response from the owner: Hey Claire,We’re delighted to hear about your positive experience with Cormac. It’s great to know he was able to explain everything clearly and make the process of setting up your Life and Assurance policy so straightforward. We always aim to make things as simple and stress-free as possible, so your feedback means a lot!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Conor

Low quotes were fierce helpfully in sorting out a policy, the agent I dealt with Alan was thorough and helpfully would recommend

Response from the owner: Hey Conor,We’re delighted to hear about your positive experience with Alan. It’s great to know he was thorough and helpful in getting your policy sorted. We always aim to make the process as smooth and straightforward as possible, so your recommendation really means a lot!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Brian H.

Cormac who I dealt with was so helpful, friendly and if he didnt know the answer he went off and found out and actaully rang me back, which is very unusal from any customer swrvice in this day and age. All very effcient and everything was explained very clearly

Response from the owner: Hey Brian,We’re delighted to hear about your positive experience with Cormac. It’s great to know he went the extra mile to find the answers you needed and followed up personally. That’s exactly the level of service we aim to deliver. We’re also glad everything was explained clearly and efficiently for you.If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Helena D.

Very helpful explained everything really well

Response from the owner: Hey Helena,We’re delighted to hear about your positive experience with our team. It’s great to know everything was explained clearly and that you found the process helpful. We always aim to make things as simple and easy to understand as possible!If you have any further questions or need assistance in the future, don’t hesitate to reach out.Best Regards,LowQuotes Team

Sarah D.

Seamus is one in a million, he went way above and beyond to help us we struggled with getting mortgage protection and he put both of us at ease every time we got anxious his bubbley personality, humour and honesty made our journey a joy ,thank you again Seamus your amazing at your job 🎉🙏

Response from the owner: Hey Sarah,We’re absolutely delighted to hear about your experience with Seamus! It’s wonderful to know he went above and beyond to support you through the mortgage protection process and made the journey easier with his honesty and great energy. We’re lucky to have him on our team!If you ever need assistance again or have any questions down the line, don’t hesitate to reach out.Best Regards,LowQuotes Team

Geraldine M.

Thanks Aoife for taking the time and advice of best policy to take out

Response from the owner: Hey Geraldine,We’re delighted to hear about your positive experience with Aoife. It’s great to know she took the time to guide you and help you choose the best policy for your needs. Providing clear and tailored advice 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

J M

I had the pleasure of dealing with Alan Broderick who supported me with finding the best rates for my few policies and plans and I even ended up switching. Not only was this guy professional, he was also very easy going, empathic, and just had a very good understanding of how to support me with the best advice and products for my hard earned little money. This is rare in today's world of ever rising costs! And despite my annoying phone calls and never ending questions, he still remained patient and helpful.If you're looking for an advisor who is driven and knows his stuff, then look no further. I would highly recommend this gem. Thank you Alan for all your help.Joyce M - Dublin

Response from the owner: Hey Joyce,We’re thrilled to hear about your experience with Alan! It’s fantastic to know he provided such professional and empathetic support while helping you find the best options for your policies. His patience and dedication truly make a difference, and we’ll be sure to pass along your kind words to him.We really appreciate you taking the time to share your feedback and recommendation. It means a lot to us.Best Regards,LowQuotes Team

isobel lawlor (.

We found Colin to be friendly, easy to deal with and very imformative.He explained every thing clearly and made sure we went with a policy that suited our needs.Would highly recommend

Response from the owner: Hey Isobel,We’re so glad to hear you had such a great experience with Colin. It’s wonderful to know he explained everything clearly and helped you find the policy that best suited your needs. Providing friendly and informative service is what we aim for, so your feedback means a lot.Thank you for your recommendation, we’ll be sure to share your kind words with Colin.Best Regards,LowQuotes Team

Elena A.

As first time buyers,we choose LowQuotes for our mortgage and life insurance and we are very happy that we did ,because from the very begining until the end Aoife Morgan guide and help us to choose the best offer for us .She help us with everything and answear to our questions in a very friendly and profesional way.We highly recomend her to help you on your way.

Response from the owner: Hey Elena,We’re so pleased to hear about your great experience with Aoife! As first-time buyers, we know how important it is to have someone who can guide you through every step, and it’s wonderful to know she made the process smooth and stress-free for you.We’ll be sure to pass along your kind words, she’ll be delighted to hear them! Thank you for recommending us and for trusting LowQuotes with your mortgage and life insurance journey.Best Regards,LowQuotes Team.

Kelley M.

I highly recommend! Rebecca was fantastic, so kind and easy to talk to. She made the process easy and explained everything to me clearly. It was easy to get in touch when needed and Rebecca was so professional with returning calls etc ! Thank you so much

Response from the owner: Hey Kelley,We’re delighted to hear about your positive experience with Rebecca! It’s great to know she made everything easy to understand and was always available to help when needed. Clear communication and care are exactly what we strive for, so your feedback means a lot.Thanks so much for recommending us. We’ll be sure to pass your kind words along to Rebecca!Best Regards,LowQuotes Team

Debby S.

Rebecca Sharpe was excellent to communicate with. She explained the purpose and process of acquiring life insurance (as part of a mortgage application) so well. She was honest and helpful in answering all my questions. She was very knowledgeable and gave a range of options so I could get the most appropriate package for my personal situation. I would highly recommend her and LowQuotes as a result. Thanks!

Response from the owner: Hey Debby,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she explained everything clearly and helped you find the most suitable life insurance package for your situation. We always aim to make the process as simple and transparent as possible, so your feedback means a lot to us.Thank you for your kind recommendation, we’ll be sure to pass your lovely words on to Rebecca.Best Regards,LowQuotes Team

Carmel S.

Had great help from ColinSet up my life insuranceEasy no hassleThanks again

Response from the owner: Hey Carmel,We’re delighted to hear about your positive experience with Colin. It’s great to know he made setting up your life insurance easy and hassle-free! We always aim to make the process as smooth and straightforward 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

Michael M.

Rebecca has been dealing with us over the past few days. Professional, friendly and Genuine are words that come to mind when describing the customer experience. Very helpful throughout and would recommend this company going forward due to Rebecca's help.

Response from the owner: Hey Michael,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was professional, friendly, and genuine throughout the process, and that her support made such a strong impression.We aim to make every interaction helpful and straightforward, 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

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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