Are you thinking about your first home, moving house or a grand design project? We have a mortgage for you. Talk to us about our great rates and personalised service.

Enquire Now

Why choose Heritage CU for your mortgage?

We offer great rates* and a personalised service from people you can trust, with no hidden fees or charges. Buying a home is a big step and Heritage Credit Union is here to help you and CU home. Talk to us first.

* Loans are subject to approval. Terms and conditions apply. 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: If you do not keep up your repayments, you may lose your home.

Rate of interest 4% per annum variable (Typical APR 4.7 %). This is a variable rate subject to change based on the amount borrowed. Variable rates are correct as of 01/09/2023. Heritage Credit Union is regulated by the Central Bank of Ireland.


Mortgage Enquiry Form

Please complete all your details in the form below, and click submit when you have finished.


Representative Example

A representative example is a term used in financial regulations. The example will help to show you the typical costs associated with a loan for a certain amount.

Loan Amount


Rate of interest - APR


Loan Term

20 years

Total interest


Monthly Repayment


Total Cost of Credit


Loan Application Process



Become a Member

Become a Member

Join Heritage Credit Union and avail of numerous tailored benefits, outstanding customer service and amazing community



Calculate your Loan

Calculate your Loan

Estimate how much you could borrow and calculate your repayments: weekly, fortnightly, or monthly using our online calculator



Apply for Loan Online

Apply for Loan Online

Apply for your loan from the comfort of your home with our new online loan application. Upload all your loan documents through our mobile app - no paper no stress!



Sit back and relax!

Sit back and relax!

Voilá! You are done! Our team are now reviewing your application, we will be in touch shortly to confirm your loan application.

The Benefits of Borrowing from Us

Our loans are based on your ability to repay and not how long you are a member or how much you have in savings with us

Interest is on your reducing balance, so you pay less interest with each repayment

Repayments are designed to be flexible and to meet your personal circumstances

In the event of your death, your loan is insured - subject to terms, conditions and eligibility criteria - at no direct cost to you

Loan Protection Insurance, Life and Disability cover is available to eligible members

No penalty fees are charged for early repayment of loan balances

There are no hidden fees or transaction charges

Direct Debit payment from your bank and be sure of regular payments to your Credit Union account.

Not a Member?

Whether it’s our full digital services such as our online banking and mobile banking app, putting control of your finances at your fingertips, or our friendly staff available to talk to you about your financial needs, we have you covered.

Add our competitive loan interest rates, options to apply and collect online or in person, and our commitment to supporting local community groups and events and you can see why there’s only one place to go for your financial needs.