Irish Pensions and Finance


At IPF we work for you, not for any one institution

Why choose IPF for your Mortgage?

As part of our service, we can offer you:

  • Access to potentially lower interest rates through various lenders within the Irish market.
  • Expert, impartial advice specific to Public Sector Employees.
  • One point of contact to guide you through our simplified mortgage process.
  • A one-stop shop for all of your financial planning needs. 
Lending Providers we work with

Get in touch!

Frequently Asked Questions

It’s a proportion of the house value, so the deposit amount will depend on the price of the property you want to buy.

In Ireland you’ll need a deposit of at least:

  • 10% if you’re buying your first home
  • 10% if you’re a second time buyer
  • 30% if you’re buying a property to rent out

If you would like to start your application or just want to more about the process you can contact our mortgage team on the below.

Call our Mortgage Advisor on: 087 922 9627
Email our Mortgage Advisor directly at:

With a fixed rate mortgage, your interest rate and monthly repayments are fixed for a set time as agreed between the lender and borrower.

A variable rate mortgage is a rate that can vary during the life of the mortgage. If interest rates rise, the monthly payments will increase.

LTV stands for loan to value, which simply means how the size of the loan compares to the overall value of the property.

For example, if the property value is €200,000 and the loan is for €150,000, then the LTV is 75%.

It is a mortgage broker’s job to make your home buying journey as stress-free as possible. We have access to a wide range of lenders and will help you choose the best deal for your situation. We will liaise directly with the lender on your behalf and be with you every step of the way until you get the keys to your new home.

Mortgage Client Reviews

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: 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 loans. This means you may pay more than if you paid over a shorter term.
Warning: The cost of your monthly repayments may increase.
Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.