Mortgage Loans

Variable Mortgage 3.25%
(3.30% typical APR)

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LOAN CALCULATOR

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.

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Supporting Documentation Required

This documentation is required for both parties to the mortgage

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Mortgage Conditions

  • Minimum Loan €40,000

  • Maximum Loan €400,000

  • Maximum Loan to Value (LTV) 80%

  • First Time Buyers (FTB) Maximum LTV 90% (Both parties must be FTB)
  • Minimum Term 5 years
  • Maximum Term 35 years
  • Maximum Loan to Income (LTI) 3.5 times gross annual salary
  • 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

Why choose a St. Paul’s Mortgage?