Do you work in the Public Sector?


Public Sector Mortgages


Garda members, HSE staff, Prison officers, Firefighters and Teachers are among those Public Sector workers who are eligible to apply for specially designed public sector mortgages, created by certain lenders with important changes that could make a significant difference when applying for a mortgage. Allocations for employee pay scales, overtime and allowances are now taken into consideration. Rates start from as low as 2.4% APR making mortgages easier than ever for public sector employees to get.

What is different about Public Sector Mortgages?

Basic Pay – Basic pay will now be taken as two points up in the pay scale when applying for a mortgage. You will now be assessed with a higher wage on your application.

Overtime – 100% of overtime completed by public sector employees in the previous year can be included in the basic wage.

Probation Period – In the case of probation periods this will include existing public sector employees promoted or transferred on 12 months’ probation.  Whereas new entrants will be determined on a case by case depending on their employment history.

Contractual Allowances – 100% of your contractual allowances can be applied.  This will mean you will be able to take out a larger mortgage if needed.

Gift – 100% of the deposit can be gifted provided repayment capacity is evident.

Maximum Age – The maximum age at mortgage expiry has increased up to 70 and no proof of pension is required and there can be up to 4 individuals per application which will give more flexibility for applicants.




Make An Enquiry


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How Can We Help 


MC Financial can advise you on:

  • Do you qualify for a mortgage
  • How much can you borrow
  • How much of a deposit will you need
  • How long will approval take
  • How long will approval last for
  • What documentation do you need
  • Which lender has the best rates
  • Should you choose Fixed or Variable
  • What is the longest term you can obtain

Contact Us for More Details


Phone: 01 822 8022
Mobile: 087 932 1882

MC Financial Services
Unit 9, Coolmine Enterprise Centre,
Coolmine, Dublin 15

We are available online 7 days a week

We want to reassure our existing and potential customers that we are there for you 24/7 in this difficult time. If you need an advice do not hesitate to contact us:


087 932 1882 |

Why choose MC Financial? See Q6 in FAQ’s

Why not check out Michael’s dedicated mortgage Guide for First Time Buyers.

Would you like to talk to someone you can trust, who will give you the best options based on your circumstances? If so, contact MC Financial today on 01-8228022, or call Michael anytime on 087 9321882



”Hi, just want to thank Rob for setting up a fund for me. Was a great help and the advice was top quality”

Sean Carr

”Michael has changed my life for better, everything quickly and professionally, if you need a mortgage, Michael is the man, who is to make arrangements since the beginning of the end. I would highly recommend Michael to everyone!!!”


”This is the opportunity for me to say thank you again, Michael, as you were always there for me and my husband and never tired no matter how big or small the question was. Michael should be nominated for Nobel prize for Home Economics. He deals with every case with greatest care and efficiency advising the best options you could make.”

Natalia Suchecka

”Michael worked extremely hard for us as our Taxes and organizing Life Cover. He has also given us very valuable advice on organizing our finances and prioritizing for the future. We would recommend whole heartly for his honesty and professionalism.”

Pauline Dowling

Warning: If you do not keep up your repayments, you may lose your home. You may have to pay charges if you pay off a fixed rate loan early

Put Yourself in Professional Hands

Get In Touch

Would you like to talk to someone you can trust, who will give you the best options based on your circumstances? If so, contact MC Financial today on 01-8228022, or call Michael anytime on 087 9321882