Home Loan – From 4.00%* (Typical APR 4.07%)

*Depending on amount borrowed.

Buying a home is a big step. Your Credit Union is here to help you on your way. Whether it’s your first home, or a subsequent home we are here to CU home.

Our Home Loan is only available for members to purchase, construct or significantly renovate their own principal private residence.

Home Loan Product Features:Mortgage

  • Minimum loan amount €50,000.
  • Maximum loan amount €400,000.
  • Maximum loan term 30* years.
  • Free Loan Protection Insurance (Terms and Conditions apply).
  • Range of repayment methods available.
  • No penalty for early repayment.
  • Maximum Loan to Value for first time buyers is 90%, and for non-first time buyers is 80%.
  • Maximum loan is the lesser of 4 times gross annual income, or €400k.
  • A first legal charge is required.
  • Our Home Loan is only available to members who are resident and employed or self-employed in the Republic of Ireland.

Other Home Loan Options:

We also offer Site Purchase loans and Switcher Mortgage options.

How to Apply:

Because of the typical transaction size, we are available by appointment to meet you to discuss your Home Loan proposal in any of our offices in Achill, Balla, Ballyhaunis, Castlebar, Kiltimagh or Swinford. Please contact a member of our lending team on 094 9022969 or email loans@fccu.ie.

Home Loan Booklet:

Download here – First Choice Credit Union Home Loan Brochure

Mortgage Arrears Resolution Process

Please click the following link for further information on our Mortgage Arrears Resolution Process.

Security, property insurance and life cover required. Loans are subject to approval. Terms & Conditions apply.

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.

Warning: The cost of your monthly repayments may increase.

Warning: If you do not keep up your repayments you may lose your home.