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.
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- Enquiries
Home Loan Calculator
New business: 0818 427 427
Existing business enquires: 0818 542 542
Broker Enquiries
All other enquires : 01 – 5180030
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
Key Features & Benefits:
- Mortgage rates starting at 3.85%
- Streamlined Mortgage Application Process for Public Sector Employees
- We can take your basic pay as three 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
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.
Enquiry
Application & Assesment
Approval
Drawdown
Download Our Public Sector Guide.
DownloadWARNING: 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 04.07.2025 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: 0818 427 427
EMAIL: icsdirect@dilosk.com
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 €1.5M (Max LTV of 75% for loans greater than €1M)
- 5 – 35 Year Loan Term
- Variable rates from 4.30%
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 0818 427 427 or email icsdirect@dilosk.com.
Loan-to-Value
Variable
3 Year Fixed
5 Year Fixed
<60%
Rate - 4.30%
APRC - 4.46%
Rate - 3.85%
APRC - 4.31%
Rate - 4.15%
APRC - 4.38%
<70%
Rate - 4.30%
APRC - 4.46%
Rate - 3.99%
APRC - 4.36%
Rate - 4.20%
APRC - 4.41%
<80%
Rate - 4.30%
APRC - 4.46%
Rate - 4.05%
APRC - 4.38%
Rate - 4.30%
APRC - 4.46%
<90%
Rate - 4.30%
APRC - 4.46%
Rate - 4.10%
APRC - 4.39%
Rate - 4.30%
APRC - 4.46%
Fees & Charges
Standard Fees and Charges Applied
Unpaid Direct Debit
€12
Interest surcharge (arrears)
– Subject to the provision of Chapter 3 of the Central Bank of Ireland’s Code of Conduct on Mortgage Arrears.
0.4% per month
Legal Fees and Charges Applied
Accountable Trust Receipt
– This fee is charged when a Solicitor requests the Title Deeds on behalf of our customers. The fee is not applicable where our customers are seeking additional funds on the same security.
€63
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
€185
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 4 times an individual’s gross annual income. The maximum mortgage is 90% of the property value.