House 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 House Loan is only available for members to purchase, construct or significantly renovate their own principle private residence.

House Loan Product Features:Mortgage

  • Minimum loan amount €50,000
  • Maximum loan amount €300,000
  • 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 3.5 times gross annual income, or €300k.
  • A first legal charge is required.

Other House 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 House Loan proposal.

House Loan Booklet:

Download here – First Choice Credit Union House Loan Booklet

Alternatively, you can contact one of our offices at (094) 90 22969 or e-mail us at so that we might arrange a suitable time and date with you.

Mortgage Arrears Resolution Process

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

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 – If you do not keep up your repayments you may lose your home.
Warning – Possible fluctuations in the interest rate could affect the amount payable. Security, property insurance and life cover required.
Loans are subject to approval. Terms & Conditions apply.