Quick Quote Calculator

This calculator 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.

This calculator is provided for illustrative purposes only. Your use of this calculator does not guarantee approval of a mortgage or that the terms shown will be offered to you.

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

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.

    *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.