Based in Cork. Serving Clients Nationwide.
Work in the public sector? See how The Mortgage Architect can help you buy your dream home.
Are you a public sector worker in Ireland? Whether you're a teacher dreaming of buying your first home, a civil servant eyeing your next move, or a doctor looking to switch for a better rate, we’re here to help. Did you know that public sector workers often qualify for better mortgage terms? If you’re a teacher, nurse, Garda, doctor, army officer or civil servant, your income and job stability is assessed differently. That means you have access to higher borrow limits, lower rates, and more flexible repayment options. Public sector mortgages are designed to help you borrow more at a lower rate with the terms you deserve. We help public sector workers just like you find a better mortgage deal quicker. No stress or paperwork - just honest advice and expert guidance every step of the way.
Why Choose Us
Speak to a mortgage advisor today about your public sector mortgage.
Frequently Asked Questions
If you’re in the public sector worker or civil servant, your basic salary will be taken between one and three points up on the pay scale depending on the lender. This will allow you to maximise what you can borrow from the lender.
Yes, If your employer confirms that your overtime is regular or guaranteed on your salary certificate, depending on the lender, up to 100% of this can be factored in the mortgage application.
Once they’re guaranteed and confirmed by your employer that they are part of your contract on the salary certificate with proof of this on your latest Employment Detail Summary and included in your income for this tax year, 100% of this can be included in the lenders assessment.
Absolutely, If you’re in the Civil Service and on a one-year probation after a promotion, the lenders can consider your application.
That’s no problem. We can look at your application on a case-by-case basis. We may ask you for your previous work history so we can understand your experience and how it fits in your new role.
Estimate your monthly repayments with our mortgage calculator.
