Mortgage Loans

Variable Mortgage 3.25%
(3.30% typical APR)

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.

This documentation is required for both parties to the mortgage

6 Months Bank Statements for all bank accounts.

Salary Cert, Employment Detail Summary (formerly P60) and last 3 Pay/Pension Slips.

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

Personalised service from the Credit Union you can trust.

Keep all your borrowing in one place so we can manage all your credit needs.

We can help you build a deposit for your dream home.

We will provide you with additional life cover for your Mortgage at no additional cost.

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.