Mortgage Loans

4% (4.07% typical APR)

Get Your Mortgage Today

Buying a property is a stressful time. What to buy (and where)? How much to bid (and when)?

When you’ve finally found what you’re looking for and you need a mortgage, you want to deal with a lender you can trust.

A mortgage from a credit union is funded by the savings of other people within your community.

All lending decisions are taken at local level, not in some remote head office. Credit unions excel in personal service which they provide.

Mortgage Loan Features

  • Available for the Purchase of Private Dwelling Houses only.

  • Loan to Value (LTV): Maximum loan: 90% of market value of property for first time buyers and 80% of market value of property for non-first time buyers.

  • Loan to income: Maximum loan: 4 times gross primary income

  • Interest Rate: 5.00% (5.12% APR) is fixed for at least the first 5 years of the Mortgage. The Credit Union has the option to increase the rate to a maximum of 6.25% (6.43% APR) throughout the term of the loan.
  • Maximum loan term 25 years.

  • Minimum Loan €50,000.

  • Maximum Loan €250,000
  • Free Loan Protection Insurance (Terms and Conditions Apply).

Interest Rates as low as


Borrow up to


Spread repayments over

35 YRS

Mortgage Loan – 4% (4.07% typical APR)

Representative Example

A 20 year Mortgage Loan of €200,000 will have monthly repayments of €833.33, Interest 4% variable, (4.07% APR). If the APR does not vary during the term of the loan the total cost of credit is €90,463. The total amount payable is €290,463.

Loan Amount Interest Rate Loan Term Total Interest Monthly Repayment Total Cost



20 Years