Ireland’s Trusted Mortgage Experts for Teachers
Making teachers’ property dreams come true since 2001
At EDUC Mortgages, our mission is to empower teachers and educators in Ireland to achieve their dream of homeownership. We are dedicated to providing a specialised, transparent, expert mortgage service that caters specifically to their unique needs and circumstances.
A Dedicated Service
Supporting educators at every stage of the mortgage journey
Buying a home can be a daunting task and navigating the mortgage process alone can be intimidating. Whether you’re a first-time buyer, switcher, or moving home, we offer expert guidance built around your teaching career.
We understand your pay scale, career path, and unique mortgage entitlements – so you get the home you want with personalised advice, exclusive benefits, and support you can trust every step of the way.
Whether you’re a primary, secondary, or third-level educator, a principal, valued Special Needs Assistant or school employee, we are here to support you!
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.
Teacher Mortgage Example
Aoife and John
- Aoife and John need to borrow €400,000 to buy their first home.
- Both primary school teachers, on point 6 of the salary scale, they earn €48,752 each.
- The borrowing limit is based on 4 times their combined income, so the maximum they can borrow is €390,016.
- We can source a lender with competitive interest rates that will allow them to borrow based on 2 points higher up the salary scale.
- Aoife and John can now borrow based on point 8 of the salary scale, equating to €53,061 each, and get approval to borrow €424,488.
- If Aoife and John require a larger loan amount and are happy to pay a slightly higher rate of interest, we can source a lender willing to let them to borrow 4-5 points up the salary scale.
How can I afford to borrow
Mortgage Calculator
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
For All Your Borrowing Needs.
First Time Buyers
Are you ready to start the journey towards owning your first home? Let us simplify the entire process for you, from start to finish. No fee, no fuss, just expert advice, every step of the way.
Switch & Save
Switching your mortgage to another provider can lower your monthly repayments and save you thousands over the life of your mortgage. Find out how much you can save today!
Home Movers
The mortgage rules are different for second-time and subsequent-time buyers. Whether you are trading up, downsizing or moving home, we are here to guide you through it.
Self Builds
Embarking on a self-build? Whether you’re starting with a plot or finalising architectural plans, we’ll help you secure the right mortgage to turn your vision into reality.
Buy To Let
Whether you’re buying your first rental property or expanding your portfolio, our team of expert advisors is here to help you secure the right Buy-to-Let mortgage at the best possible rate.
Equity Release
Before considering or entering into an equity release mortgage, we recommend that you speak to an advisor who can bring you through all of your options.
Renovation Mortgages
Looking to renovate your existing home or buy a fixer upper? A Renovation Mortgage allows you to carry out works to a property and incorporate the cost into your mortgage.
Debt Consolidation
Bringing all your loans together, secured against your property can be a good option for property owners who are repaying multiple short term loans as well as their existing mortgage.
Mortgage Protection
Mortgage Protection clears your outstanding mortgage balance if you pass away. In most cases, mortgage lenders won’t release your funds without this cover in place.
Why Choose EDUC Mortgages?
Free mortgage service (our fees are paid by each lender).
Extensive lender network.
Best rates on the market.
Expert knowledge of public sector.
Exclusive offers for TUI, INTO and IFUT unions
End-to-end mortgage journey support.
Evening and remote meeting options to suit you.
Fixed-rate legal fees through our dedicated conveyancing panel.
National coverage.
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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