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Financial Resources
Guide to Public Sector Mortgages
Public sector employment brings a level of structure and predictability that many other careers don’t: contracted pay scales, defined benefit pensions, and a clear progression path. That structure matters when it comes to applying for a mortgage. While there isn’t a defined public sector mortgage product, there are advantages in how your income and employment are assessed. Two lenders can take very different approaches to the same payslip.
This guide is for nurses and healthcare professionals, Gardaí, teachers and lecturers, prison officers, emergency services, Defence Forces personnel, civil and public servants, local authority employees and other state and public-sector workers who want to understand what may be considered when they apply.
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