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 4.07%). This is a variable rate subject to change based on the amount borrowed. Variable rates are correct as of 01/10/2025. 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.
Mortgage
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
€200,000
Rate of interest - APR
4.07%
Loan Term
20 years
Total interest
€90,860
Monthly Repayment
€1,212
Total Cost of Credit
€290,860
Mortgage Application Process
Step
1
Become a Member
Join Heritage Credit Union and avail of numerous tailored benefits, outstanding customer service and amazing community
Step
2
Calculate your Loan
Estimate how much you could borrow and calculate your repayments: weekly, fortnightly, or monthly using our online calculator
Step
3
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!
Step
4
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.
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