Credit Union Mortgages

Fixed or variable. A mortgage with a difference.

Whether you’re buying your first home, moving somewhere new, building or switching your mortgage, we’re here to help make it happen.

Fixed Rate Mortgages

A fixed rate mortgage with no break fees? Yes please.

If one thing is certain in life, it’s that nothing stays the same. You may find yourself with a bigger family or perhaps you’ve to relocate for work. Whatever the reason, with a fixed rate Credit Union mortgage you don’t have to worry about break fees if your circumstances change and you need to exit your fixed rate early.

  • Fixed for 5 years

    Enjoy the certainty of a fixed mortgage repayment for the first 5 years, with the ability to break for free any time you like.

  • Unlimited overpayments

    You can make unlimited penalty-free overpayments, giving you the freedom to pay down your mortgage faster whenever it suits you.

  • Local credit decisions

    Your local Credit Union provides your mortgage. Local people with local knowledge.

Standard 5 Year Fixed Rate

Term Rate APRC Repayment per €100k
5 years 3.95% 4.05% €603.35

At the end of the five-year fixed-rate period, your mortgage will revert to the applicable variable interest rate, unless you choose another mortgage rate available to you at that time. The variable interest rate currently applicable following expiry of the fixed-rate period is 3.85%. Repayments are based on a 20-year term.

Green Fixed Rate Mortgages

A discounted fixed rate for energy‑efficient homes

If your property has a BER rating of B3 or better (B or better if your BER certificate was issued after 24th May 2026), you could benefit from our discounted 5-year Green Fixed Rate - rewarding a more energy-efficient home with an even better-value mortgage rate.

  • Fixed for 5 years

    Enjoy the certainty of a fixed mortgage repayment for the first 5 years, with the ability to break for free any time you like.

  • Unlimited overpayments

    You can make unlimited penalty-free overpayments, giving you the freedom to pay down your mortgage faster whenever it suits you.

  • Local credit decisions

    Your local Credit Union provides your mortgage. Local people with local knowledge.

Green 5 Year Fixed Rate

Term Rate APRC Repayment per €100k
5 years 3.65% 3.85% €587.70

At the end of the five-year fixed-rate period, your mortgage will revert to the applicable variable interest rate, unless you choose another mortgage rate available to you at that time. The variable interest rate currently applicable following expiry of the fixed-rate period is 3.85%. Repayments are based on a 20-year term.

Capped Variable Rate Mortgages

Flexibility if rates fall. Protection if they rise.

The Capped Variable Rate Mortgage, at just 3.85%, has all the flexibility of a variable interest rate with the added protection of a capped maximum interest rate of 4.40% for the first three years. That’s our mortgage rate promise.

  • 3-Year rate promise

    Regardless of what happens to interest rates elsewhere, your rate will not exceed 4.40% during the first three years of your mortgage.

  • Up to 6 months Deferred Start option

    You can defer the start of your mortgage for up to 6 months on any of our mortgage rates. The skipped repayments are spread out over the rest of the term to make sure you repay inside the original term.

  • Local credit decisions

    Your local Credit Union provides your mortgage. Local people with local knowledge.

Capped Variable Rate

Rate type Rate APRC Repayment per €100k
Interest Rate 3.85% 3.92% €598.11
Rate Cap 4.40% 4.50% €627.26

At the end of the three-year capped period, the interest rate cap will expire and the applicable variable interest rate will apply. Your interest rate and repayments may increase or decrease as a result. Repayments are based on a 20-year term.

Why a Credit Union mortgage

The Credit Union difference

Your home is part of a community. Your Credit Union is too. Owned by its members and rooted locally, it brings a more personal approach to one of life’s biggest moves.

  • €0

    No breakage fees

    Your Credit Union can offer fixed rates with no break fees, so you won’t face a charge if you need to exit your fixed rate early.

  • Member owned, not profit driven

    Putting your needs first, with value and service taking priority over profits.

  • Local credit decisions

    Your local Credit Union provides your mortgage. Local people with local knowledge.

Mortgage Calculator

Check your repayments & how much you can borrow

Start with the numbers. Explore estimated repayments, then talk through your mortgage options with your local Credit Union.

Start your Credit Union Mortgage Journey

Wherever you are, there’s a path for you

Buying, moving, switching or building? Find the path that matches your plans and explore a mortgage with a participating Credit Union.

Mortgages & Rates

First Time Buyer

The first step, to your first home

  • Personal service that’s second to none
  • Competitive rates with green discount available
  • Flexible repayments that fit your life
Find out more about First Time Buyer mortgages

Switcher

Hassle-free switching with your Credit Union

  • Simple & straightforward process with support throughout
  • Unlimited overpayments without penalty
  • Competitive rates with green discount available
Find out more about Switcher mortgages

Mover

Trading up or trading down, your Credit Union can help

  • Fixed rates with no breakage fees offering amazing flexibility
  • Unlimited overpayments without penalty
  • Flexible repayments that fit your life
Find out more about Mover mortgages

Self-Builder

Make your dream home a reality with your Credit Union

  • Stage payments to keep your build moving
  • A dedicated person who understands your build and supports you throughout
  • Green discount available for energy-efficient builds
Find out more about Self-Builder mortgages

Member Stories

Members who’ve been through it

Behind every mortgage is a person or family with plans of their own. These are the stories of members finding their way forward with their local Credit Union.

Over 400 member mortgage stories

  • We were renting in Palmerstown and really wanted to stay near family. Our Credit Union talked us through the mortgage without making it feel like a big mystery. Getting the keys to our own place still feels a bit mad!

    Aisling & Eoin,Palmerstown Credit Union

  • Buying our first place was exciting, but the mortgage side had us a bit lost. Helena at Arklow Credit Union took the time to talk it through, and we never felt rushed asking questions.

    Ger & Elaine,Arklow Credit Union

Get a Credit Union Mortgage Today

Whether you’re buying your first home, moving somewhere new, building or switching your mortgage, your Credit Union can help make it happen.

Find your Credit Union

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. 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. Deferred start option not available on Self Build mortgages. 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.