IFUT Mortgages
Mortage Service for University Educators
As an IFUT-endorsed provider, we offer a tailored mortgage service for university staff across Ireland – combining expert financial advice with a deep understanding of the public sector.
We’re proud to support members of the Irish Federation of University Teachers (IFUT) with a dedicated mortgage service built around your professional needs. Whether you’re purchasing your first home, moving property, switching to a better rate, or exploring property investing – we’ll help you navigate the process with clarity, efficiency, and confidence.
Common Questions We Help IFUT
Members Answer
How much can I borrow?
Can I use my consulting income against borrowing?
Can I get a mortgage on a rolling temporary contract?
How can I pay off my mortgage sooner?
Which lender is best for equity release mortgages?
We’re here to simplify the process and answer every question – from application to keys in hand.
Why Choose EDUC Mortgages
Professional Mortgage Support, Built for the Academic World
FREE Mortgage Service (our fee is paid by the lender)
Access to every lender in the Irish market
In-depth knowledge of university pay structures, contracts and entitlements
Endorsed by IFUT
Full end-to-end support from application to drawdown
Full paperwork, application and lender communication managed by us
We’re also insurance brokers – so your mortgage protection and life cover can be sorted in one place
Evening meetings available around lecture or research commitments
Remote friendly from start to finish
Additional IFUT Member Benefits
Free property valuation
Fixed-rate legal and conveyancing fees
Free protection review and discounted life protection
Free will service (via our legal panel (T&Cs apply)
Select the path that fits your journey — and get tailored guidance, tips, and resources just for you.
- Select Your Path
- Buying a Home:
- First Time Buyer
- Moving Home
- Self-Build
- Managing or Changing Your: Mortgage
- Switching Your Mortgage
- Equity Release
- Debt Consolidation
- Renovation
- Investing in Property:
- Buy-to-let
- Holiday Home
Here to Help – Wherever you are on the property ladder
Whether you’re just starting out, moving home, or switching your mortgage, we’re here to guide you with expert advice, exclusive IFUT benefits, and support you can count on.
Mortgage Benefits for University Staff
Basic Pay
Basic pay can be calculated at a level 1-5 points up the salary scale you are on.
Additional Income
This can be factored into your annual earnings as income.
Allowances
100% of contractual allowances can be factored into your borrowing capacity.
Employment Security
Permanent public sector roles like teaching are seen as stable and lower-risk by lenders, making it easier to get approved.
Mortgage Calculator
How much can I afford
to borrow?
Get an indication of how much a mortgage loan with cost you when applying different rates and time-frames.
Our chart will not only show your estimated monthly repayment but also how much interest vs capital repayments you’ll incur over the duration of your loan term.
Tip: Regularly review your mortgage with a qualified advisor and ask about ways in which you can reduce the amount of interest you will pay and save thousands over the term of your mortgage.
Disclaimer: This calculator is for indicative purposes only. Please always seek professional guidance before making a financial decision.
Expert Mortgage Advice
How the process works
Book a no-obligation consultation
We assess your profile and lender options
You get expert advice and full application support
We guide you from approval to keys – and beyond.
Testimonials
What Our Clients Say
“Cathal and the team's services made the process of purchasing a house as a first time buyer incredibly seamless. They expertly handled all the necessary paperwork, found us the best mortgage, leaving me and my partner with no worries. Their excellent communication ensured that we were well informed and taken care of throughout the entire process”
– V. Carroll
“I have used Educ Mortgages twice in the past 5 years when buying two different properties and I really cannot recommend them enough. I found them always very professional, knowledgeable, quick to respond with a friendly attitude. They made the process of buying a new home much easier for me and my family and I’m so grateful for their amazing service!”
– N. Vojvodic
"We used EDUC mortgages to apply for our self-build mortgage after having difficulty getting approval with our bank. We found them to be professional, knowledgeable and very efficient. If we had any questions they were always only a phone call away. We are halfway through building our house now and delighted that we decided to go with EDUC Mortgages."
– P. Moroney
From the very beginning, Cathal demonstrated a remarkable level of professionalism, knowledge, and dedication to his clients. He patiently explained the intricacies of the mortgage market and the various options available to me. Cathal and his colleague Clodagh promptly responded to my inquiries, kept me updated on the progress, and proactively addressed any potential issues that arose. I always felt informed and supported at every stage of the mortgage application. I would highly recommend EDUC Mortgages to my colleagues and friends.
– C. Hickey
Who We Work With
At EDUC Mortgages, we have access to all of the major lenders in Ireland so
we can get you the best rate available on the market.
Latest from the blog.
From the Ground Up: A Step-by-Step Guide to Financing Your Self-Build
Building your own home is a dream for many in Ireland – the freedom to design a house that suits your lifestyle, choose the perfect location, and watch it come to life step by step. But financing a self-build isn’t the same as buying a ready-made property. Lenders...
Is a Self-Build Right for You? Pros, Cons and Questions to Ask Before You Begin
For many people in Ireland, building a home from the ground up is the ultimate dream: a house designed exactly to their taste, built in their preferred location, and potentially offering better value than buying a ready-made property. But self-builds aren’t for...
Top 6 Pitfalls to Avoid When Applying for a Self-Build Mortgage
For many people, building their own home is the ultimate dream – but when it comes to financing that dream, self-build mortgages work very differently from a standard home loan. Lenders require more documentation, funds are released in stages, and the application...