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

If your current mortgage deal is coming to an end, it could be time to explore our offering, it might 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

Ok, but how much? Use our quick quote calculator to work out how much you can borrow and your estimated repayments.

Interested in learning more about your options? Complete the form below, and a Credit Union Mortgages representative 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

    FIND YOUR NEAREST PARTICIPATING CREDIT UNION
    *Lending criteria and terms and conditions apply. 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% 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. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income (4.0 for first time buyers) and 90% of the property value. The cost of your monthly repayments may increase – if you do not keep up your repayments you may lose your home. Applications from residents of ROI over the age of 18 only, and subject to repayment capacity, financial status and property valuation. We require property and life insurance.

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

    WARNING: (Variable rate loans) The cost of your monthly repayments may increase.

    WARNING: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.