Why Choose Heritage Credit Union for your Mortgage?
• Great capped variable rate: currently 3.85% per annum (Typical APR 3.92%).
• Borrow from €40,000 over terms of up to 35 years.
• 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.
By People, For People
For over 60 years, Credit Unions have been offering financial solutions for people all over Ireland. Now, we’re offering a Capped Variable Rate Mortgage, the first of its kind in Ireland, with the personal touch you’ve come to expect from your local Credit Union. This mortgage is by people, for people.
Capped Variable Rate Mortgage
We offer a Capped Variable Rate Mortgage, a new mortgage offering in Ireland.
It offers you all the flexibility of a variable rate with the stability of a capped rate for the first 3 years.
Our current rate is 3.85% (APR 3.92%) capped at 4.40% (APRC 4.5%)* for 3 years.
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.
Calculate your Repayments
Try our Repayments calculator.
Maximum Loan Term :
3.92%
3.92%
3.92%
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
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
3.85% (APR 3.92%)
Loan Term
25 years
Total interest
€111,763
Monthly Repayment
€1,039.28
Total Cost of Credit
€311,763
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
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.
Step
3
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.
Step
4
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.
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
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
Every loan with us helps strengthen our community, supporting local sponsorships, events, and benefits for our members
_
Warning – This is a variable rate loan: The payment rates on this mortgage may be adjusted from time to time.
Warning – Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.
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 in the future.
Loans are subject to approval. Lending criteria, terms and conditions apply. Mortgage approval is subject to a satisfactory assessment of suitability and affordability. Applicants must be over 18 and resident in the Republic of Ireland.
Terms and Conditions apply. A first legal charge is required for all mortgages. Mortgage protection insurance and home insurance are required.
* APR = Annual Percentage Rate
Heritage Credit Union Limited is regulated by the Central Bank of Ireland (No. 42CU) and authorised as an investment business for the provision of investment intermediary services (No. C13965)
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