Teacher Mortgages - EDUC Mortgages-min

Public Sector Mortgages

Mortgage services specifically for public sector employees.

EDUC Mortgages has been providing specialist mortgage services specifically for public sector workers since 2001.

Trusted Service Provider

Dedicated to Empowering Public Sector Employees To Achieve Their Dream of Home Ownership

Buying a home can be a daunting task and navigating the mortgage process alone with the banks can be intimidating. EDUC Mortgages is here to advise you on all aspects of your mortgage and to support you through the entire process. 

What You Need To Know

Benefits Of Public Sector Mortgages

Better Interest Rates

Qualifying applicants can avail of some of the lowest interest rates in Ireland.

Streamlined Process

Our team can help provide a streamlined mortgage application process for public sector employees.

Basic Pay

Basic pay can be calculated at a level 2 points up the pay scale from the one you are on.


Up to 100% of regular overtime earned may be factored into your borrowing limits.


100% of contractual allowances can be factored into your borrowing limits.


  • Emma & Darragh need to borrow €380,000 to buy their first home.
  • Both teachers, on point 6 of the salary scale, they earn €44,409 each.
  • The borrowing limit is based on 4 times their combined income, so the maximum they can borrow is €355,272.
  • We can source a lender who will allow them to borrow based on 2 points higher up the salary scale.(Point 8 – €49,121)
  • So with EDUC Mortgages, Emma & Darragh can now borrow based on point 8 of the salary scale, equating to €49,121 each, and get approval to borrow €392,968.

Public Sector Benefits

Who qualifies?

Public Sector Employees

Teachers, Nurses, Doctors, Guards, Civil Servants. Only 1 spouse needs to work in the public sector to qualify.

All Property Buyers

First time buyers, second time buyers and residential property investments can all be eligible.

Mortgage Switchers

Public sector employees looking to switch their mortgage to get a better interest rate than their current provider can offer.

Movers & Equity Release

Public sector employees looking to upgrade their existing home or to release equity on their existing home.

Trust the Numbers

EDUC Mortgages has been in business over 20 years with highly experienced qualified financial advisors.

Qualified Financial Advisors - EDUC Mortgages-min

Mortgages Secured

Years' Combined Experience

Dedicated Full Time Staff

Specialist Mortgage Advice

Let Us Help You Get The Best Rate On The Market

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.

Help To Buy Scheme For First Time Buyers

The Help to Buy (HTB) scheme was introduced in January 2017 to help first-time buyers purchase or self-build a new house or apartment and has been extended to the end of 2024.

The scheme allows first time buyers who purchase a newly built home or plan on building one themselves to claim back up to €30,000 in income tax and DIRT on bank deposit interest paid over the last four years.

This means that first time buyers can now potentially get their full 10% deposit via the scheme and not have to provide any funds themselves.

Why EDUC Mortgages For Mortgage Advice-min

Here To Help

Why Choose EDUC Mortgages?


Free Mortgage Advice


Extensive Lender Network


Best Rate On The Market


Ongoing Support


No Fee! (Our Fees Our Paid By Each Lender)


National Coverage


What Our Clients Say

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.

ICS Mortgages
Bank Of Ireland Logo

Start Today With A Free Mortgage Consultation

Secure the best rate on the market for your mortgage to minimise your monthly repayments and protect against rising interest rates. We are here to be your trusted partner every step of the way. So let’s get started!