Why choose your Credit Union?
We’re offering mortgages with a difference, the Credit Union difference. For over 60 years, Credit Unions have been financially supporting communities all over Ireland with over 3.5 million members. Credit Union Mortgages is an extension of that. Bringing the Credit Union’s personal touch to the home-buying journey.
We treat every application on an individual basis and every mortgage (just like every other type of Credit Union loan) is funded by the savings of the other people in your community. We are a not-for-profit organisation owned and funded by our own members.
Our new Capped Variable Rate Mortgage is designed with you in mind, offering the flexibility of a variable rate with the stability of a capped rate for the first three years.
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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.