Your New Home for Mortgages

Discover Credit Union Mortgages

Capped Variable Rate Mortgage

A new mortgage offering, for first 3 years

Mortgages, with the
Credit Union difference

Discover a new way home

By People, For People

For over 60 years, Credit Unions have been offering financial solutions for people all over Ireland. Now, we’re offering a Capped Variable Rate Mortgage, the first of its kind in Ireland, with the personal touch you’ve come to expect from your local Credit Union. This mortgage is by people, for people.

Mortgages for Everyone

First Time Buyers

It might be your first time buying a home, but lucky for you, it’s not ours. Our experts will guide you through the whole process from application to completion.

Read our Step-By-Step Guide

Moving Homes

Whether you’re upsizing, downsizing, or moving area, the team at your local Credit Union can help you get a mortgage to suit you.

Get Moving

Switching Mortgages

Regardless of where your current mortgage is held, if your current deal is coming to an end, it could be time to explore our offering. Our mortgage could be a better option for you moving forward.

Start Switching

Self-Build

Building your dream home brings a different mortgage journey, but your local Credit Union can help you understand every step and offer a self-build mortgage perfect for you.

Learn about our Self-Build Mortgage

Quick Quote Calculator

These calculators can help you get an idea of how much you could borrow and how much your repayments may be. You can choose to repay on a fortnightly or monthly basis, whichever works best for you.

Maximum Loan Term: 35 years (420 months)

Repayment Frequency

€338.48
Rate 3.85%
APRC 3.92%
# Repayments 130
Total cost of credit 4,002.96
Total repayments 44,002.96
€733.96
Rate 3.85%
APRC 3.92%
# Repayments 60
Total cost of credit 4,037.38
Total repayments 44,037.38

Maximum Loan Term: 35 years (420 months)

Number of Applicants

Applicant 1

€
€
€
€
€
€
€
€
€
€
€

Borrow up to

€35,000

This estimate is not legally binding and is for illustration purposes only based on the information you have provided us. A full affordability calculation will be required to provide you with a fully accurate amount. The maximum mortgage loan amount available may vary between Credit Unions. Please contact your local Credit Union directly for specific terms and details.

This estimate is not legally binding and is for illustration purposes only based on the information you have provided us. A full affordability calculation will be required to provide you with a fully accurate amount.

The maximum mortgage loan amount available may vary between Credit Unions. Please contact your local Credit Union directly for specific terms and details.

Interested in learning more about your options? Complete the form below, and a Credit Union staff member will contact you soon.

We have captured your loan enquiry data, all you have to do now is fill in this short form below and we will get back to you as soon as possible. By submitting this form, you are giving the staff at Credit Union Mortgages permission to contact you in relation to this loan enquiry.

    How To Apply

    A mortgage consultant in your local Credit Union can help you along every step of the way. Here’s the journey in 4 simple steps:

    Check Eligibility

    See if you meet our application requirements

    Gather Documents

    Get the paperwork together

    Submit Application

    Complete the application form

    Hear Back

    Our team will get in touch after they’ve reviewed your application

    CONTACT YOUR NEAREST PARTICIPATING CREDIT UNION
    Lending criteria, terms and conditions apply. Applicants must be over 18 and resident in the Republic of Ireland. Mortgage approval is subject to a satisfactory assessment of suitability and affordability. The maximum loan amount is typically up to 3.5 times your gross annual income (or up to 4.0 times for first-time buyers) and can be no more than 90% of the property’s value. The monthly repayment on a 20-year mortgage with a variable borrowing rate of 3.85% on a mortgage of €100,000 is €598.11 for 240 months. Total amount repayable is €143,545. If interest rates increase to the cap of 4.40%, an additional €29.15 would be payable per month. For this example, Annual Percentage Rate of Charge (APRC) of 3.92% applies and consists of variable borrowing rate of 3.85%. It does not include valuation fees, legal fees, or other third-party charges that may apply. Information correct at 13th May 2025 and subject to change.

    WARNING: You should consider the total cost of the mortgage and any applicable incentive included in a mortgage offer.

    WARNING: If you do not keep up your repayments you may lose your home.

    WARNING: Your interest rate may increase and the amount of your mortgage repayments may increase as a result.

    WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL-agreement in the future.