What is ICS Mortgages?
ICS Mortgages is a residential mortgage lender that’s been a cornerstone in Ireland since 1864. Specializing in Buy-to-Let Mortgages, Mortgages for Public Sector Workers, and Housing Bridging Loans, they bring over 160 years of experience to the table. Whether you’re a first-time buyer, a public sector employee, or a property investor, ICS Mortgages offers tailored solutions designed to fit your unique needs.
Main Benefits of Choosing ICS Mortgages
Here’s a quick snapshot of what makes ICS Mortgages stand out:
- Established in 1864 with over 160 years of experience
- Awarded Best Mortgage for Public Sector Workers – Public Sector Magazine 2025
- Best Mortgage for Property Investment 2023 – AIMA
- Majority Irish-owned, focusing on the Irish residential market
- Flexible and tax-efficient mortgage options
Mortgage Options for Every Need
ICS Mortgages covers a wide range of mortgage types to suit different situations. First-time buyers can benefit from competitive rates designed just for them. Public sector workers get special consideration, with the lender taking basic pay as three points up the salary scale and 100% of allowances and overtime from the previous year into account. For landlords and investors, there are specialist Buy-to-Let mortgages, while those needing short-term finance can explore Housing Bridging Loans.
Flexible Features for Owner Occupiers
Owner occupiers aren’t left out either. ICS Mortgages offers flexible repayment options, including the ability to overpay up to 20% of the mortgage annually. The Flexi 2 Year Interest Only option provides financial breathing room during the first two years of the mortgage journey. Plus, a dedicated team of qualified Lending Managers is available to meet at convenient times, making the process smoother and more personal.
Buy-to-Let Mortgages Tailored for Investors
For property investors, ICS Mortgages delivers flexible and tax-efficient Buy-to-Let options. These include:
- 5 to 15 year interest-only terms
- 35 year capital and repayment options
- 35 year Flexi mortgage options
Whether you’re a seasoned landlord or just starting out, the lender supports loans for individuals, companies, and pension unit trusts, with mortgage amounts ranging from €80,000 to €1.25 million and up to 70% loan-to-value. A minimum income of €40,000 is required, ensuring responsible lending practices.
Impact on Sustainable Development Goals (SDGs)
- SDG 11: Sustainable Cities and Communities – Supporting affordable and flexible housing finance
- SDG 8: Decent Work and Economic Growth – Facilitating home ownership and investment opportunities
- SDG 9: Industry, Innovation, and Infrastructure – Promoting financial innovation in mortgage lending
Streamlined Process and Regulatory Assurance
ICS Mortgages prides itself on a streamlined mortgage process, with qualified professionals guiding applicants every step of the way to ensure efficiency and clarity. Operating under Dilosk DAC, trading as Dilosk and ICS Mortgages, the company is fully regulated by the Central Bank of Ireland, providing peace of mind and trustworthiness in all transactions.
