Your Mortgage, the Credit Union Way

Credit Union Mortgages

Home Loans You Can Trust

Buying your first home, moving house, or thinking of switching your mortgage to a better rate? At Heritage Credit Union, we’re here to make it simple, personal, and fair, just as banking should be.

With 12 branches across Dublin, you’ll never be far away from a friendly face ready to help. Whether you’re a first-time buyer or ready to switch from another lender, we can help you save and feel more at home with your mortgage.

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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

Become a Member

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

Step

2

Calculate your Loan

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 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!

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.