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 range of fixed and variable rate mortgages with the personal touch you’ve come to expect from your local Credit Union. Mortgages 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

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.

Credit Union

Full Name

Phone

*LenLending 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. For Green rates the property must have a certified Building Energy Rating (BER) between A1 and B3. If the validity date on your BER certificate is after 24th May 2026, your property will need to have a rating of A0, A or B. Your BER certificate must be no more than 10 years old. If you are building a home, a provisional BER certificate will be required prior to first stage drawdown. If you are doing works to improve the energy rating of your home, the Green rate will be applied to your loan once the works are complete and the qualifying BER certificate has been received. The maximum loan amount is typically 3.5 times your gross annual income (or up to 4 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. *APRC stands for Annual Percentage Rate of Charge and is the true cost of a mortgage expressed as a yearly percentage, allowing you to compare between lenders. In this example, an 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.

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 (Variable Rate Mortgages).

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.