Public Sector Mortgages in Ireland – What You Need to Know



At Money Maximising Advisors, we specialise in helping public sector employees secure mortgage solutions tailored to their employment. Whether you’re just starting your career, switching lenders, or purchasing your first home — you may be eligible for a Public Sector Mortgage, and you might not even know it.

We proudly assist clients across Galway, Dublin, and throughout Ireland, offering personal support and access to the most flexible options available.

✅ Who Can Qualify?

Public sector mortgages are not limited to civil servants. A wide range of professions are eligible, including:

  • Teachers
  • Nurses & Midwives
  • Gardaí & Defence Forces
  • Doctors & Health Professionals
  • Civil & Public Servants
  • State Agency Workers

If you work in any of the above roles, you may already meet the eligibility criteria.

👥 Joint Applications Accepted

Only one partner in a joint application needs to work in the public sector.
Even if your spouse or partner works in the private sector, your household may still qualify for a public sector mortgage in Ireland.

⏳ No Probation Requirement

Still on probation? That’s not an issue.
Unlike traditional lenders, Money Maximising Advisors works with providers who allow public sector employees to apply even if their probation period hasn’t yet ended.

This offers more flexibility and helps you move forward without unnecessary delays.

🌍 Non-Irish Applicants Welcome

We support non-national public sector workers who are living and working in Ireland. Most major banks don’t accommodate this — but we do.

Accepted visa stamps include:

  • Stamp 1
  • Stamp 1G
  • Stamp 2
  • Stamp 3
  • Stamp 4
  • Stamp 5
  • Stamp 6

This flexibility allows more people to apply confidently, knowing their immigration status won’t be a barrier.

🎯 Is a Public Sector Mortgage Right for You?

This mortgage solution is ideal for:

  • First-time buyers
  • People moving to a larger home
  • Borrowers switching for better rates or terms
  • Individuals releasing equity for:
  • Home improvements
  • Education expenses
  • Unplanned financial needs

🧮 Public Sector Mortgage Online Calculator Ireland

Not sure how much you could borrow?

Use our Public Sector Mortgage Calculator Ireland online to get a quick and easy estimate. It’s specifically designed to reflect public sector employment criteria, helping you plan with greater accuracy and peace of mind.

📞 Contact Money Maximising Advisors

Still unsure if you qualify?
Get in touch with our experienced team today — we’ll help you understand your options and guide you every step of the way.

Money Maximising Advisors
📍 Unit 3, Office 6, Liosban Business Park, Tuam Rd, Galway, Ireland H91 85AO
📞 Phone: +353 91 393 125
📧 Email: office@mmadvisors.ie
🌐 Website: https://mmadvisors.ie

#PublicSectorMortgage #PublicSectorMortgagesIreland #MortgageForPublicSectorWorkersIreland #PublicMortgageLendersIreland #PublicSectorMortgageCalculatorIreland #PublicSectorMortgageOnlineCalculatorIreland


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