Great value mortgages
Interest calculated on reducing loan balance
Over €38 million
Borrowed by members last year
Loan approval rate
Simple mortgage process
Fair & transparent lending
Credit Union Mortgage
Credit Union Mortgages can help you make the leap from tenant to homeowner. When you’re ready to take those first steps toward your own home, we will be ready to help with a Credit Union Mortgage.
Apply for a Mortgage today and our qualified mortgage advisors will be happy to talk to you. You can also work out an affordable repayment plan with our handy Mortgage Calculator. If you are looking to renovate your home, we offer excellent home improvement loans that you can tailor to suit your repayment ability.
Why choose a Credit Union mortgage
- No set-up fees or hidden charges
- A fair mortgage decision that is based on your ability to repay
- Decisions made at a local level, not an international HQ
- Interest calculated only on the outstanding balance of the loan
- We don’t sell our mortgages to vulture funds
- Weekly Total Interest
- Fortnightly Total Interest
- Monthly Total Interest
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.
A mortgage of €180,000 over a 30-year term would cost €966 per month at a variable rate of 5% (APR 5.12%). The cost of credit is €167,780 and the total amount repayable is €347,780.
While every care has been made in the production of this web page, the Credit Union, or any of its staff, cannot be held responsible for any omissions, errors, or other mistakes on the site. This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing.
Loan amounts and 99% approval rate is based on figures from 2020. Rates are correct as of 1/02/2022 and are subject to change. Croí Laighean Credit Union is regulated by the Central Bank of Ireland.
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