Mortgage
Investing in your future from a lender you trust.
People First Credit Union now offers mortgages to our members.
Borrow up to €350,000 over a max term of 35 years, with a dedicated Mortgage Advisor assisting you every step of the way.
Quick turnaround times, easy applications and a team of professional local staff to make the whole process as seamless as possible.
We offer two different interest rates depending on the amount you borrow, so you won't have to worry about high interest when you borrow more.
Unlike our experience with the bigger banks, the credit union experience was definitely more personal and we felt the credit union saw us as people and not just numbers on an application form.
- Borrow up to €350,000 with a max term of 35 years.
- Interest is charged on the reducing balance.
- No arrangement fees.
- No prepayment penalties.
- You can switch the mortgage loan relating to your principal private residence in Ireland to us.
- A dedicated Mortgages Advisor with you every step of the way.
- No penalties if you pay off your mortgage earlier than the originally agreed term on variable rates.
Mortgage up to €100,000
4.5% Interest Rate (4.59% Representative APR)
Representative Example
A mortgage of €90,000 over 15 years
- 180 monthly repayments
- Repay €688 per month.
- Total amount repayable is €123,924 (including cost of credit of €33,924).
- 4.59% APR
Mortgage over €100,000
3.5% Interest Rate (3.56% Representative APR)
Representative Example
A mortgage of €200,000 over 30 years
- 360 monthly repayments
- Repay €898 per month
- Total amount repayable is €323,302 (including cost of credit of €123,302).
- 3.56% APR.
Maximum Loan Term :
This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. Whilst every care has been made in the production of information, People First Credit Union, or any of its staff, cannot be held responsible for any errors. This calculator only provides an indicative quote and actual repayments may vary. Loans are subject to approval, terms and conditions apply. This is a variable rate loan: The payment rates on this home loan may be adjusted from time to time. Warning – Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it. If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
Examples provided are for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this example only provides an indicative quote and actual repayments may vary.
Warning: This is a variable rate loan, the payment rates on this home loan may be adjusted from time to time.
Warning: Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
First Time Buyers
You can borrow up to four times your income (combined if applicable)
Maximum Loan-to-Value (LTV) is 90%.
Non-First Time Buyers
You can borrow up to 3.5 times your income (combined if applicable)
Maximum Loan-to-Value (LTV) is 90%.
- Available on a Principal Private Residence only (PPR).
- Properties in the Republic of Ireland only.
- First Charge Security on the property is required.
- You can switch the mortgage loan relating to your principal private residence in Ireland to us.
- No Investment, Buy-to-Let or Self Build properties considered.
- Relevant Insurances required.
- Interest is charged on the reducing balance.
- No penalties if you pay off your mortgage earlier than the originally agreed term on variable rates.
- No pre-prepayment penalties.
- No Arrangement fees.
- Mortgages available to over 18s only.
Loans are subject to approval. Lending criteria, terms & conditions apply.
Whilst every care has been made in the production of this information, it is for illustrative purposes only and to give you an overview of the potential cost of borrowing at People First Credit Union. It does not constitute a loan offer. People First Credit Union or its staff cannot be held responsible for any errors or omissions.
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