ICS MORTGAGES COLLECTIONS DESIGNATED ACTIVITY COMPANY

Founded in 1864, ICS Mortgages Collections Designated Activity Company is a long‑standing Irish mortgage lender that provides a broad suite of flexible, tax‑efficient financing solutions for home owners and property investors. Drawing on more than 160 years of experience, the firm specialises in residential mortgages, public‑sector mortgages, buy‑to‑let financing and short‑term housing bridging loans, tailoring each product to the borrower’s individual circumstances.

Key offerings include competitive rates for first‑time buyers, enhanced affordability for public‑sector employees (with the ability to treat basic pay as three points up the salary scale and to incorporate 100 % of allowances and overtime), and a range of buy‑to‑let options such as 5‑ to 15‑year interest‑only terms and 35‑year capital‑repayment or flexible plans. The company also supports movers, switchers and those seeking mortgage top‑ups, and provides a two‑year interest‑only “Flexi” product for owner‑occupiers. Its services have earned industry accolades, including Public Sector Magazine’s Best Mortgage for Public‑Sector Workers (2025) and AIMA’s Best Mortgage for Property Investment (2023).

Based in Ireland, ICS Mortgages is regulated by the Central Bank of Ireland and is committed to guiding customers through every stage of their home‑loan journey with a professional yet approachable service.