Credit Union Mortgages

At home with your Credit Union.

Explore mortgages with a participating Credit Union near you.

Start Your Journey Home Calculate your repayments

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.

  • 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.

  • 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.

The Three Rates

Mortgage rates for what’s next

Whether you’re looking for flexibility, a rate you can plan around, or an option for an energy-efficient home, explore the Credit Union mortgage rates available for your next step.

See Full Comparison

  • 5-year fixed green rate

    A green fixed rate from your Credit Union rewards more energy-efficient homes with an even better-value mortgage rate.

    3.65% APRC 3.85% (Annual Percentage Rate of Charge)

    Find out more about the 5-year fixed green rate

  • 5-year fixed standard rate

    Enjoy the certainty of a competitively priced fixed mortgage rate, with more flexibility.

    3.95% APRC 4.05% (Annual Percentage Rate of Charge)

    Find out more about the 5-year fixed standard rate

  • Capped variable rate

    The flexibility of a variable rate, with the added protection of a capped maximum interest rate for the first three years.

    3.85% APRC 3.92% (Annual Percentage Rate of Charge)

    Find out more about the Capped variable rate

Calculate your repayments

Credit Union Mortgage Calculator

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

Mortgage Options

From first keys to fresh starts

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

Get mortgage ready, step by step

Your first home is a big step. Explore what’s involved, see what you could afford and get ready to apply through your local Credit Union.

  • Over 50 participating Credit Unions
  • Up to 90% loan to value
  • Fixed and capped variable rate options
Find out more about First-Time Buyer mortgages

Switcher

Take a fresh look at your mortgage

If your current deal is coming to an end, explore rates from participating Credit Unions and see what switching could mean for your repayments.

  • Fixed and capped variable rate options
  • Estimate what your repayments could be
  • Have your application assessed locally
Find out more about Switcher mortgages

Mover

Home movers, here’s to what’s next

Your next home should fit the life you’re living now. Explore mortgage options for your move and apply with a participating Credit Union.

  • For upsizing, downsizing or moving area
  • Borrow up to 90% of the new home’s value
  • Your application assessed by your Credit Union
Find out more about Mover mortgages

Self-Builder

Self-builders, bring your plans to life

Building your own home calls for a different mortgage. Explore a dedicated self-build option provided by a participating Credit Union.

  • A mortgage designed for self-builds
  • Funding released in up to five stages
  • A local Credit Union team to talk through the process
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.