Mortgage Loans

3 Year Fixed Rate Mortgage 2.8%
(Typical APR 3.16%)
5 Year Fixed Rate Mortgage 2.85%
(Typical APR 3.11%)
Variable Rate Mortgage 3.25%
(Typical APR 3.3%)


Or call us on 021-4313355

Stepping Onto The Property Ladder?

For: Home Purchase, Self Build, Home Improvements or Switching Mortgage.

No matter what stage of the journey you’re at, SPCU is here to help our members.

Not a member yet? No problem, apply for membership here and once a member, you can apply for a SPCU mortgage.


Mortgage Conditions

  • Minimum Loan €40,000

  • Maximum Loan €500,000

  • Maximum Loan to Value (LTV) 90%

  • Minimum Term 5 years
  • Maximum Term 35 years
  • Maximum Loan to Income (LTI) 4 times gross annual salary for first time buyers including ‘Fresh Start’ Applicants*
  • Professional Valuation on the property required (St. Paul’s will pay the valuation fee)
  • First Legal Charge in favour of St. Paul’s Garda Credit Union Ltd. on the property required

* You may be a ‘fresh start’ applicant if you previously owned a home but no longer have a financial interest in it, because your relationship has ended or you have gone through personal insolvency or bankruptcy.

Supporting Documentation Required

This documentation is required for both parties to the mortgage


Fixed Rate Mortgages

With consumers faced with rising energy costs and interest rates, not to mention a raft of other increases now coming down the line, St Paul’s Garda Credit Union are delighted to bring a three-year fixed interest rate of 2.8% and five-year fixed interest rate of 2.85% to the market!

No matter what stage of the journey you’re at, we are here to help our members!

Think of St. Paul’s Garda Credit Union for all your Mortgage needs!


Why choose a St. Paul’s Mortgage?