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
Talk To The Mortgage Architect
Nothing beats choice, flexibility and experience.
Mortgage Consultation
Our mortgage planners will discuss your options, current mortgage offerings and advise you on everything you will need to know about your mortgage journey.
Mortgage Application
Next we will complete your application in full and submit it to your chosen mortgage provider.
Mortgage Approval
This is when your excitement will start to build. Once we have your mortgage approval, the search for your new home begins.
Property Valuation
When you find your new home, a property valuation needs to be completed.
Appoint A Solicitor
When choosing your solicitor always ask for a recommendation from a family member or friend who has gone through the mortgage process. Your solicitor will look after all the legal work involved in buying your new home.
Letter Of Offer
On receipt of the valuation and any pre loan offer conditions, your loan pack will be sent to your solicitor for review.
House Insurance & Life Insurance
Part of getting mortgage approval is to arrange insurance for your new home. You will also need to arrange life insurance.
Exchange Of Contract
When you are sale agreed, the sellers solicitor will draw up a contract and exchange this with your solicitor. Your solicitor will review both the contract and the banks loan offer.
Closing The Sale
Once all is in order with the legal documents, you will arrange a closing date for the sale to be completed by.
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.
Use our mortgage repayment calculator to estimate your monthly repayments.
Find out how much you could borrow for your mortgage with our mortgage calculator.
