Benefits of a Carlow Credit Union Mortgage
Why apply for a mortgage with Carlow Credit Union
Great Rate
Our variable rate mortgage is among one of the best in the market*. It gives you the flexibility of increasing your payments, saving you interest and helping to pay off your mortgage quicker
Expert Advice
Our dedicated staff will help you every step of the way. From our online banking service that allows you to sign documents easily to our walk in services, we’ll make things as stress free as possible for you!
Trusted Financial Institution
We never charge you for any additional transaction fees or hidden charges that some of our competitors do.
Fair Decision
All decisions are made locally. You can enjoy peace of mind with our team working to support you.
Mortgage Calculator
Apply for a mortgage with interest rates that suit you!
Maximum Loan Term :
4.02%
4.02%
4.02%
This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.
Mortgage Enquiry
Lets talk about your mortgage
Mortgage Timeline
Mortgage Affordability
Use our mortgage calculator so we can understand how much you're looking to borrow and what your monthly repayments will be.
Make An Enquiry
Now it's time to submit an enquiry online or in any of our offices. Once you make an enquiry, one of our Mortgage Specialists will talk to you and provide you with a mortgage pack.
Submit Your Application
Next up is submitting your application with all the supporting documentation. One of our underwriters will assess your application and help you throughout the process.
Mortgage Approval
Over to you! We will issue you an offer and once you and your Solicitor have reviewed the mortgage offer and are happy to proceed, you both sign the offer and return it to us.
Mortgage Amount
€250,000
Rate of Interest
3.95% (APRC 4.02%)
Mortgage Term
25 years
Monthly Repayments
€1312.76*
Total Cost of Credit
€393,812.72*
Deposit Needed
€25,000
| WARNING: THE COST OF YOUR MONTHLY REPAYMENTS MAY INCREASE. |
| WARNING: IF YOU DO NOT KEEP UP YOUR REPAYMENTS YOU MAY LOSE YOUR HOME. |
| WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED-RATE LOAN EARLY. |
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, A HIRE-PURCHASE AGREEMENT, A CONSUMER-HIRE AGREEMENT OR A BNPL AGREEMENT IN THE FUTURE. |
Our maximum mortgage is €350,000. How much you can borrow depends on your individual circumstances and repayment capacity.
First Time Buyers can borrow up to four times their income (combined salary in the case of joint applications)
No worries! You can become a member and enquire about a mortgage with us straight away
Speak to one of our mortgage experts today by calling us on 059 9131994.
Switching to our variable rate mortgage has many benefits and gives you the flexibility to increase your monthly repayments if you wish.
Get in touch with us today to switch your mortgage over.
