Mortgage

Investing in your future from a lender you trust.

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.

People First Credit Union now offers mortgages to our members.

Mortgages up to €100,000 @ 4.5% (4.59% APR based on €99,000 over 35 years)

Mortgages up to €350,000 @ 3.5% (3.56% APR based on €200,000 over 35 years)

  • Borrow up to €350,000 with a max term of 35 years.
  • No penalties if you pay off your mortgage earlier than the originally agreed term on variable rates.
  • 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.

Representative Example

How much will it cost me?

A typical mortgage of €180,000 over 20 years (240 months), repay €1043.93 per month, total amount payable (including interest of €70,517.80) is €250,517.80 [APR @ 3.56%.]*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 calculator and example only provide an indicative quote and actual repayments may vary

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.

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.

*Examples and calculators 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 calculator and example only provide an indicative quote and actual repayments may vary.

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