Public Sector Mortgages

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

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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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Geraldine M.

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

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

isobel lawlor (.

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Elena A.

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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!

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

Stephen D.

I've been dealing with Seamus who helped me. Have to say, his professionalism, patience and his knowledge was fantastic, such an easy guy to talk to. Ended up going through Seamus and id absolutely recommend him. I hope this review gets to his manager, great guy! Thanks Seamus

Response from the owner: Hey Stephen,We’re delighted to hear about your positive experience with Seamus. It’s great to know he was able to guide you through the process with such professionalism, patience, and knowledge. We’re thrilled to hear how easy he made everything for you, we’ll be sure to pass your kind words along to him!We aim to make the process as smooth and understandable 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

Shauna D

Had a very positive experience speaking with Rebecca Sharpe today, she was very helpful in discussing my options and made sure I understood the policy that I was getting and was very patient in answering any questions that I had. Highly recommend this service.

Response from the owner: Hey Shauna,We’re delighted to hear about your positive experience with Rebecca Sharpe. It’s great to know she took the time to explain your options clearly, ensure you fully understood your policy, and answer all your questions with patience and care.We aim to make the process as smooth and understandable 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

John A.

Highly Recommend, Dealing with Rebecca was fantastic.

Response from the owner: Hey John,We’re delighted to hear about your positive experience with Rebecca. It’s great to know she was able to explain everything clearly and make the process smooth for you. We aim to make every step as straightforward 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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Really happy with the service I received. Shaun was extremely helpful during this process as it can be fairly confusing. He made everything a much simpler process.

Response from the owner: Hey Aisling,We’re delighted to hear about your positive experience with Shaun. It’s great to know he was able to make the process clear and straightforward for you, especially when things can feel a bit confusing at first.We aim to make everything as simple and understandable 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

Philip C.

We had the pleasure of dealing with Rebecca Sharpe who went above and beyond to accommodate us ensuring we understood all the policy benifits and calling us at a convenient time to allow us time to discuss which policy suited us best. Thanks Rebecca.

Response from the owner: Hey Philip,We’re delighted to hear about your positive experience with Rebecca Sharpe. It’s great to know she went above and beyond to ensure you fully understood all the policy benefits and took the time to accommodate your schedule.We aim to make the process as smooth and understandable 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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Very positive experience with low quotes. Isabel in particular is fantastic to deal with.

Response from the owner: Hey Agnes,We’re delighted to hear about your positive experience with Isabel. It’s great to know she made the process smooth and straightforward for you. We’re thrilled to hear you had such a great experience with our team!We aim to make everything as simple and understandable 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

Sophie P.

Had my consultation with colin bailey on the phone and have to say he was amazing with everything, literaly spent an hour out of hes time explanining everything to me in detail to help leave my children set for life if anything were to happen to me, would highly recommend the company

Response from the owner: Hey Sophie,We’re delighted to hear about your positive experience with Colin Bailey. It’s great to know he took the time to explain everything in detail and help you feel confident about protecting your children’s future. We aim to make the process as smooth and understandable 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

graham D.

From the initial application on line to dealing with Rebecca Sharpe on the phone, was seamless. She made applying and understanding the policy an easy transition, thanks for your help Rebecca very much appreciated.

Response from the owner: Hey Graham,We’re delighted to hear about your positive experience with Rebecca Sharpe. It’s great to know she was able to explain everything clearly and make the process seamless for your policy application. We aim to make the process as smooth and understandable 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

Carolyn D.

I was dealing with Conor O'Hare and can't recommend him enough.He went out of his way to help me get the best life insurance, and was always a pleasure to talk with. I'd highly recommend anyone to Conor when looking for life insurance.

Response from the owner: Hey Carolyn,We’re delighted to hear about your positive experience with Conor O’Hare. It’s great to know he was able to explain everything clearly and secure a great deal for your life insurance. We aim to make the process as smooth and understandable 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

Jenny K.

I was dealing with Shaun young, I have to say he was amazing,he goes out of his way to find you the perfect fit .he speaks to you in a way that is understandable and honestly I couldn’t recommend him enough ,thank you

Response from the owner: Hey Jenny,We’re delighted to hear about your positive experience with Shaun Young. It’s great to know he was able to explain everything clearly and find the perfect fit for your needs. We aim to make the process as smooth and understandable 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

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.

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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).

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