Public Sector Workers
We offer mortgage options for public sector employees that take salary scale progression, allowances, overtime, and into account when assessing your application. Lending criteria, terms and conditions apply.
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Mortgage Specialists
A range of flexible and tax efficient mortgages.
Over 160 Years Experience
We’ve been supporting home-buyers since 1864.
Award Winning
Best Mortgage for public sector sector workers - Public Sector Magazine 2026 Best Mortgage for property Investment 2023 - AIMA
Majority Irish-Owned
Residential mortgage lender in the Irish market.
Features & Criteria
Features
Mortgage rates starting at 4.10%
We can take your basic pay as 3 points up the salary scale.
100% Overtime & Allowances accepted.
2 Year Interest only feature available More here
Overpay an additional 20% off your mortgage in any 12 month period without penalty.
Criteria
First Time and second time buyers can avail of a home loan up to 90% LTV
A minimum loan size of €100,000
A maximum loan size of €1.5 million
5 – 35 Year Loan Term
For further information, please contact us at 0818 427 427 or email icsdirect@dilosk.com
Alternatively, please contact one of the listed brokers and they would be delighted to discuss our mortgage products with you.
Warnings
Lending criteria, terms and conditions apply and are subject to change.
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, a hire purchase agreement, a consumer-hire agreement or a BNLP agreement in the future.
Warning: If you do not keep up your repayments you may lose your home.
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: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it.
WARNINGS: You may have to pay charges if you pay off a fixed rate loan early.
Warning: Your interest rate may increase, and the amount of your mortgages repayments may increase as a result.
Ready to apply? Start your application today
Rates from
4.10%How much can I borrow?
See how much you can borrow and what you’re monthly payments will be.
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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
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Rates
| Loan-to-Value | Variable | 3 year fixed | 5 year fixed |
|---|---|---|---|
| <60% | Rate - 4.10% APRC - 4.22% | Rate - 4.80% APRC - 4.39% | Rate - 4.90% APRC - 4.53% |
| <70% | Rate - 4.10% APRC - 4.22% | Rate - 4.80% APRC - 4.39% | Rate - 4.90% APRC - 4.53% |
| <80% | Rate - 4.10% APRC - 4.22% | Rate - 4.85% APRC - 4.40% | Rate - 4.95% APRC - 4.55% |
| <90% | Rate - 4.10% APRC - 4.22% | Rate - 4.85% APRC - 4.40% | Rate - 4.95% APRC - 4.55% |
Common Questions
We know that getting a first-time mortgage is a bit daunting so we’ve gone ahead and answered some questions you might have.
More FAQsUseful Information
Flexible Options
Find out more about how we can help you with your repayment difficulties.
Mortgage Top-Ups
Topping Up your Mortgage is a very straightforward process.
Rates
A competitive range of fixed and variable rates to our customers.
Fees & Charges
Fees and Charges for Owner Occupied borrowers.
Terms & Conditions
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.
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, email: icsdirect@dilosk.com or contact your local Mortgage Broker. We’d be delighted to do business with you.