INTO Mortgages
Mortages Made Easy for INTO Members
Proudly endorsed by the INTO, we provide tailored mortgage advice and support for Ireland’s educators – from buying your first home to switching or trading up.
We’re proud to offer a dedicated mortgage service for INTO members, built around the real needs of teachers. Whether you’re buying your first home, moving house, switching mortgage, or managing the equity in your property – we’re here to make the process clear, easy, and stress-free.
Common Questions We Help INTO
Members Answer
How much can I borrow?
Do I need to be
on a permanent
contract?
Can I apply for a mortgage at home while working abroad?
Where can I find a good solicitor?
What mortgage protection do I need?
Whatever your questions, we’ve got the answers – and we’re here to guide you through it all.
A Dedicated Service
Expert Mortgage Support, Built for Teachers
FREE Mortgage Service (our fee is paid by the lender)
We deal with all lenders in the market
Specialist knowledge of teacher contracts, pay and entitlements
Endorsed by INTO
Full end-to-end support from application to drawdown
We handle the paperwork and lender communication so you can focus on your life, not your loan
One stop shop – We can arrange your mortgage protection and life insurance in- house
Evening and remote meeting options
Entire process can be done remotely
Additional INTO 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 INTO benefits, and support you can count on.
Mortgage benefits for
teachers
Basic Pay
Basic pay can be calculated at a level 1-5 points up the salary scale you are on.
Additional Income (e.g. July provision)
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.
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