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.
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?
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: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT.