Expert advice
Our experienced advisors are experts in public sector mortgages
Whether you’re buying your first home, moving or investing – we make your mortgage application and home purchase as stress-free as possible.
We're with you every step of the way in the mortgage process – from preparing your application to getting the keys.
We specialise in mortgages for public sector employees and we carry out an analysis of the market to find the best mortgage for you. With us, you’ll get impartial advice and can choose from a range of lenders and financial products, rather than having to pick a particular provider who isn't best in class.
Our experienced advisors are experts in public sector mortgages
We will do the work to ensure you get the right mortgage for your financial circumstances
We research the mortgage market for you and submit your mortgage application on your behalf
With our years of experience, we have the road map to get you into your new home as quickly as possible.
We're with you every step of the way in the mortgage process - from preparing your application to getting the keys.
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Learn moreWe specialise in mortgages for public sector employees. With Cornmarket, you will have access to lots more products than if you went directly to a mortgage provider. We understand your financial needs on a lifelong basis. Our mortgage advisors do the work on your behalf, from preparing your documents to signing final contracts. We will help to make the mortgage application process as stress-free as possible.
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A green rate mortgage is a type of home loan that offers preferential terms - usually lower interest rates or cashback incentives to first-time buyers or movers in order to meet certain energy efficiency ratings.
The interest rate for a green rate mortgage is determined by the energy efficiency rating of the property – the Building Energy Rating. The better the BER rating, potentially the better rate a bank will offer.
The energy efficiency rating for a property is determined by a BER assessor. All property being sold in Ireland now must have a BER certificate – the most energy efficient property is A rated on the scale and the least energy efficient property is G rated.
Some properties are BER exempt due to their age or previous use.
*You can find your BER Cert here: www.seai.ie.
You can save money with a green rate mortgage - but how much depends on a few key factors.
Green mortgages often offer discounted rates compared to standard mortgages. If you're buying an energy efficient home you'll spend less on heating and electricity.
The Help to Buy Scheme gives first-time buyers a tax refund of up to €30,000 towards the cost of a newly built home. This scheme has been extended until 31t December 2029. The provider of this scheme is Revenue, learn more at revenue.ie.
The First Home Scheme bridges the gap between your deposit and mortgage and the cost of the property, either a new build, costs of a self-build or a property you are currently renting if it’s your private dwelling home. However, The First Home Scheme retains an equity ownership in the property equivalent to the top up, which can be subsequently bought out.
Other supports include a Vacant Property Refurbishment Grant along with cashback offers from banks to help replenish funds after drawing down the mortgage. The Local Authorities are the provider of the Vacant Property Refurbishment Grant, learn more at Gov.ie. The Provider Lender is the provider of the Cashback offer, learn more at bisplatform.com.
All sources accessed August 2025.
A Mortgage broker can save you time, stress and money! Offering you access to a number of different leading rates and cash back offers with various lenders.
They'll collect all the relevant information from a client and advise you on the most suitable type of rate, mortgage product or cashback offer with the lenders that they hold an agency for.
The broker will also make the applications to the relevant lenders, meaning the client just needs to submit one, rather than multiple, sets of documentation.
If you are dealing directly with the bank, they can only offer you the interest rate and mortgage type that they have available.
Whether you should choose a fixed-rate or variable-rate mortgage depends on your financial situation, risk tolerance and expectations for future interest rates.
A fixed-rate mortgage has a set interest rate and monthly mortgage repayment for a set period of time. This gives certainty to a borrower as they know exactly what the mortgage will cost every month over this period of time.
A variable-rate mortgage is one where the lender can increase or decrease the interest rate at their discretion based on market conditions. This means your monthly mortgage repayment can increase or decrease based on market conditions.
Fixed Warning: You may have to pay charges if you pay off a fixed-rate loan early.
Variable Warning: There may be interest charged on this loan. This means the cost of your monthly repayments may increase or decrease.
*Cornmarket is not responsible for any content or advice on external websites.
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.