Public Sector Mortgages
Your trusted expert for public sector mortgages
Public Sector Mortgage Schemes
At Symmetry Financial, we specialise in helping public sector workers buy their homes and invest in property. Contact us today and speak to a member of our friendly broker team.
Public Sector Mortgage Schemes
At Symmetry Financial, we provide an award-winning, end-to-end, expert mortgage service that has helped thousands of happy clients purchase their dream home and invest in property.
Our team has extensive experience helping public sector workers achieve their dreams around home-ownership. Whether you are a first-time buyer, mover or property investor, or you have a mortgage-related question you want advice on, our team can help.
Navigating the mortgage process can be difficult and time-consuming with so many lenders, products and rates to choose from. This is further complicated (in a good way) for public sector workers who benefit from preferential terms from many of Ireland’s lending institutions.
Such incentives include:
Basic Pay: Basic pay can be calculated at a level 1-3 points up the pay scale from the one you are on.
Variable Income: Up to 100% of regular overtime earned may be factored into your borrowing limits. Variable income also covers things like location allowance and shift allowance etc.
Contractual Allowances: 100% of contractual allowances can be factored into your borrowing limits allowing you to borrow more if necessary.
Probation Period: Existing public sector employees transferred or promoted on 12 months probation may be treated as non-probationary applicant lenders. New entrants however on 6 months probation will be treated on a case-by-case basis.
All lenders are different, and understanding what incentives are on offer and how they can affect your borrowing can be complicated. Our team has in-depth knowledge of all mortgage products currently on the market and can explain and help you identify the best one for your unique situation.
Public Sector Mortgage Schemes
When you meet one of our advisors, they will:
- Analyse your financial situation to determine your borrowing capacity
- Gain insight into your future plans and goals
- Advise on the best mortgage product suited to your individual situation
- Prepare and present your application in the best possible light to lenders
- Represent you fielding all underwriting queries
- Save you time and effort making the mortgage process as streamlined as possible
- Provide guidance and support on protection and insurance options with discounted rates available.
Public Sector Group Mortgage Schemes
Our group mortgage service is free of charge and comes with exclusive offers such as free valuation, discounted mortgage protection and life assurance, fixed-rate legal fees, and a free will service through our panel of legal partners. We are continually innovating to find ways to add value to our group mortgage schemes.
We also provide resources, webinars, information sessions and workplace visits for our group scheme members.
Group Scheme Benefits
Our bespoke mortgage group scheme provides a range of benefits for members.
Free Mortgage Service
Free Valuation
Fixed-Rate Legal Fees
Free Will Service
*Terms & conditions apply
Discounted Mortgage Protection
Webinars and Workplace Visits
Set Up A Mortgage Group Scheme
At Symmetry Financial, we specialise in helping public sector workers buy their homes and invest in property. Contact us today and speak to a member of our friendly broker team.
Who We Work With
Free Download
How the mortgage process in Ireland works
Discover how the Irish mortgage process works in our latest video resource.
Latest From Our Mortgage Blog
How The Mortgage Process Works In Ireland
If you are considering making your first move onto the property ladder, you have no doubt already begun to research how the mortgage process works in Ireland. While the journey can seem daunting at the outset, understanding the steps involved and seeking the guidance...
Additional Costs When Purchasing A Home
When planning the purchase of a first property, homebuyers naturally tend to focus on the mortgage approval process, saving for a deposit and considering budget and location; but what about the additional costs when purchasing a home? It’s easy to overlook these...
How To Get Approved For A Mortgage
Purchasing a first home is a moment many individuals, couples and families dream about, and it can be realised by understanding one very important process: how to get approved for a mortgage. For first-time buyers, understanding the criteria needed to secure a...
BOOK A CONSULTATION
Speak to our team today
We are here to explain all of the choices available to you in simple concise language, and to help you make an informed decision to achieve your home-ownership goals. Take the first step and schedule an appointment with one of our advisors today.