Why choose us?

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. Rather than a giant corporate entity, 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 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.