Why Switch to Heritage Credit Union?
- Great variable rate: currently 4% per annum (Typical APR 4.07%).
- Borrow from €40,000 over terms of up to 35 years.
- No hidden fees or charges.
- Personalised service — we take time to understand your full financial picture.
- Local and trusted — decisions made right here in Dublin.
- No Hidden Fees or Charges
Your home, your credit union
At Heritage, we believe your mortgage shouldn’t be complicated. It should be clear, fair, and built around your life. Whether you’re switching, buying, or planning something new, talk to us first and see how your local credit union can make the difference.
See what a 1% difference could mean
Switching to a lower rate can lead to real savings.
For example, for every 1% reduction in your mortgage rate, you could save around €55 per month for every €100,000 borrowed.
That could result in savings of €1,650 a year, on a €250,000 mortgage over the lifetime of the mortgage, the difference really adds up.
(Illustrative purposes only. Actual savings will vary depending on your balance, term, and rate with your current lender.)
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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