Public Sector Mortgage Online Calculator

Public Sector Mortgage Online Calculator

Our easy to use online calculator will tell you how much you can borrow as a Public Sector Employee, and how much your monthly repayments will be

Go to Calculator
Ready to apply? Start your application today

Ready to apply? Start your application today

Call us on 1890 427 427 or email

Apply Now

Alternatively you can view our list of brokers here.


Key Features & Benefits:

  • Competitive mortgage rates starting at 1.95%
  • Streamlined Mortgage Application Process for Public Sector Employees
  • We can take your basic pay as two points up the salary scale
  • Overpay an additional 20% off your mortgage in any 12 month period without penalty
  • Overtime & Allowances Accepted
  • Mortgage Breaks Throughout the Term
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Rates From


Low Rates Available from 1.95% (APRC - 2.65%)

Detailed Rate Info

Check your Eligibility

Would you like to learn more about our Mortgage products? Get in contact today and one of our qualified & experienced Lending Managers will get right back to you.

Streamlined Process

Our qualified mortgage professionals will work with you to ensure your loan is processed as smoothly and as efficiently as possible.

Application & Assesment
Call us on 1890 427 427 or contact your local mortgage broker



WARNING: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it. The payment rates on this housing loan may be adjusted by the lender from time to time.

WARNING: If you do not keep up your repayments you may lose your home.

WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating which may limit your ability to access credit in the future.

WARNING: The cost of your monthly repayments may increase.

WARNING: You may have to pay charges if you pay off a fixed rate loan early.

WARNING: This new loan may take longer to pay off than your previous loan. This means that you may pay more than if you paid over a shorter term.

Lending Criteria, Terms and Conditions apply and are subject to change.

Rates are correct as at 09.08.2021 but are subject to change.

Dilosk DAC trading as Dilosk and ICS Mortgages is regulated by the Central Bank of Ireland.

For more information contact ICS Mortgages

PHONE: 1890 427 427


Or contact your local Mortgage Broker

We’d be delighted to do business with you

Features and Benefits

  • First Time Buyers can avail of a home loan up to 90% LTV as standard
  • A minimum loan size of €100,000
  • A maximum loan size of €1.5 million if in an urban area and a Loan to Value of up to 70% Loan to Value
  • 5 – 35 Year Loan Term
  • Variable rates from 2.70%
  • Minimum property value €100,000 with no maximum property value

For further information, please contact one of the brokers below and they would be delighted to discuss our mortgage products with you, or alternatively contact us at 1890 427 427 or email



3 Year Fixed

5 Year Fixed


Rate - 2.45% 
APRC - 2.53%

Rate - 1.95%
APRC - 2.38%

Rate - 1.95%
APRC - 2.29%


Rate - 2.45% 
APRC - 2.53%

Rate - 2.10%
APRC - 2.42%

Rate - 2.10%
APRC - 2.36%


Rate - 2.70%
APRC - 2.79%

Rate - 2.20%
APRC - 2.63%

Rate - 2.20%
APRC - 2.55%


Rate - 2.70% 
APRC - 2.79%

Rate - 2.35%
APRC - 2.68%

Rate - 2.50%
APRC - 2.69%

Fees & Charges

Third Party Fees and Charges Applied

Third Party Fees and Charges

There may be other charges associated with your mortgage payable directly by you to third parties, e.g. Solicitor Fees, Valuation Fees, Surveyor Fees.

Valuation Fee


Top tips for First Time Buyers

We provide some top tips for First Time Buyers on what to look out for when shopping around for Mortgages.

Read more

Important Information:

Lending criteria, terms and conditions apply. The property is mortgaged to secure the loan. Life and home insurance are required. The maximum loan amount will typically not exceed 3.5 times an individual’s gross annual income. The maximum mortgage is 90% of the property value.