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Symmetry Financial Management Our team of financial advisors are here to help you assess your financial goals and put a plan in pl

The ECB’s Governing Council meets on 28–29 October, with its next interest rate decision and press conference scheduled ...
16/10/2026

The ECB’s Governing Council meets on 28–29 October, with its next interest rate decision and press conference scheduled for 29 October.

Whether rates change or stay the same, what it means for you depends on your mortgage type. Tracker, fixed-rate and standard variable-rate mortgages respond differently to ECB decisions.

Swipe through to understand the differences ahead of the announcement.

Save this explainer. Unsure which type you have? Check your mortgage statement or ask your lender.

For some cancer survivors, trying to buy a home has meant facing questions and financial barriers linked to a diagnosis ...
15/10/2026

For some cancer survivors, trying to buy a home has meant facing questions and financial barriers linked to a diagnosis long after treatment ended.

An important change takes effect today 15 October 2026.

Ireland’s "Right to Be Forgotten" now requires insurers to disregard cancer-related medical history when assessing qualifying mortgage protection applications.

To qualify, active cancer treatment must have ended at least five years ago, and the applicant must have been in complete remission for at least five years. The cover must relate to their main home, with the protection applying to insurance cover up to €650,000.

This moves the protection from a voluntary industry code into law.

It doesn’t mean every application is automatically approved. Insurers can still assess unrelated health conditions and may ask for confirmation that the eligibility requirements are met.

But if you previously faced difficulty arranging mortgage protection because of cancer, it may be worth revisiting your options.

A welcome change that could make buying a home easier for cancer survivors.

A public sector payslip today doesn't always show where a salary is actually heading.For workers on an incremental pay s...
15/10/2026

A public sector payslip today doesn't always show where a salary is actually heading.

For workers on an incremental pay scale, many lenders will calculate basic pay several points further up the scale than where someone currently sits, subject to their own lending criteria. That can make a real difference to what a switching applicant is assessed as being able to afford.

There's more to switching mortgages in the public sector than most people expect:

https://symmetryfinancial.ie/public-sector-mortgages/whats-the-difference-when-switching-mortgages-in-the-public-sector

14/10/2026

Getting your mortgage documents together can feel like a job in itself. But you don’t need to have everything ready before you speak to us.

Your payslips, statements and salary details help us understand what you earn, how you’re managing your money and where your deposit is coming from. From there, we can help you work out what else a lender may need.

If you’re booking a mortgage appointment with us, gather what you have and we’ll explain how to share it securely. If something’s missing, or you’re not sure which document to request or how to access it, we can talk you through it.

Save this checklist for when you’re getting ready. You’ll also find a fuller version in our free Guide to Public Sector Mortgages here: https://symmetryfinancial.ie/resource/guide-to-public-sector-mortgages/

Applying for a public sector mortgage? The same payslip can get a different answer depending on which lender you ask.Pub...
13/10/2026

Applying for a public sector mortgage? The same payslip can get a different answer depending on which lender you ask.

Public sector employment tends to come with structure that lenders value: overtime, allowances, salary increments, a defined benefit pension. The problem is that no two lenders read that structure the same way. One might take a favourable view of your overtime history; another might barely count it.

Every lender reads a payslip differently, and our guide to public sector mortgages in Ireland shows why:

https://symmetryfinancial.ie/public-sector-mortgages/our-guide-to-public-sector-mortgages-in-ireland

Buying your first home, moving, switching or starting again? Our free Public Sector Mortgages Guide explains what lender...
12/10/2026

Buying your first home, moving, switching or starting again? Our free Public Sector Mortgages Guide explains what lenders may consider, what documents to prepare and why your full circumstances matter.

Inside: income and allowances, salary progression, probation, pensions, lender comparisons and a practical application checklist.

Written for nurses, teachers, Gardaí, civil servants, prison officers, Defence Forces personnel and other public-sector workers.

Download your free copy: https://symmetryfinancial.ie/resource/guide-to-public-sector-mortgages/

For public sector workers on an incremental pay scale, a payslip today doesn't always show where a salary is heading.Man...
08/10/2026

For public sector workers on an incremental pay scale, a payslip today doesn't always show where a salary is heading.

Many lenders will calculate basic pay several points further up the scale than where someone currently sits, subject to their own lending criteria. That can make a real difference to what a switching applicant is assessed as being able to afford.

There's more to switching mortgages in the public sector than most people expect:

https://symmetryfinancial.ie/public-sector-mortgages/whats-the-difference-when-switching-mortgages-in-the-public-sector

A defined benefit pension could be the reason your public sector mortgage term stretches further than you'd expect.Most ...
06/10/2026

A defined benefit pension could be the reason your public sector mortgage term stretches further than you'd expect.

Most lenders cap the age by which a mortgage has to be repaid, which matters more the later in life you're buying. A defined benefit pension gives a predictable source of retirement income, and some lenders will factor that in when deciding whether a term can run beyond normal retirement age. How far it can stretch, and what evidence is needed, varies by lender.

A pension can open up more mortgage options than you'd think. Our guide to public sector mortgages in Ireland explains how:

https://symmetryfinancial.ie/public-sector-mortgages/our-guide-to-public-sector-mortgages-in-ireland

For public sector homeowners eyeing a better mortgage rate, energy upgrades might already be doing some of the work.Most...
01/10/2026

For public sector homeowners eyeing a better mortgage rate, energy upgrades might already be doing some of the work.

Most lenders now offer a green mortgage rate for homes with a BER of B3 or higher, typically 0.1% to 0.3% below their standard rate. If a property's energy rating has improved since the mortgage was first taken out but hasn't been reassessed, an updated BER certificate could be the one thing standing between a homeowner and that discount.

Everything public sector workers in Ireland should weigh up before switching mortgage providers is laid out here:

https://symmetryfinancial.ie/public-sector-mortgages/whats-the-difference-when-switching-mortgages-in-the-public-sector

Changing roles in the public sector doesn't always mean starting your mortgage clock from zero.Most applicants need at l...
29/09/2026

Changing roles in the public sector doesn't always mean starting your mortgage clock from zero.

Most applicants need at least a year in their current role before a lender will consider them. Public sector workers who change roles or get promoted within the sector can often have that waiting period waived, provided they've already built up more than 12 months of service overall. How this gets treated still depends on the individual lender.

Before you assume a role change means starting from scratch, read our guide to public sector mortgages in Ireland:

https://symmetryfinancial.ie/public-sector-mortgages/our-guide-to-public-sector-mortgages-in-ireland

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Unit 38 Dunboyne Business Park
Dunboyne
A86YP08

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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