Why Switch to a Heritage Credit Union Mortgage
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.
- Single rate for all applicants 3.85%, no multiple LTV/BER
- Flexible features
- No hidden charges or fees
- Meets the needs of our members through offering security & flexibility
- Transparent & fair
- Personalised service, we take time to understand your full financial picture.
- Local and trusted, decisions made right here in Dublin.
At Heritage, we believe your mortgage shouldn’t be complicated. It should be clear, fair, and built around your life. If you're thinking of switching mortgage provider, 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 Calculator
Use our calculator to estimate your monthly repayments.
Mortgage Switching Process
Contact our lending team to discuss your current mortgage, your goals, and whether switching to Heritage Credit Union could save you money or offer more flexibility. We’ll outline what’s involved and answer any initial questions you have.
We’ll provide a checklist of what’s needed, such as proof of income, ID, bank statements, and details of your existing mortgage. Our team is on hand to make sure you know exactly what to gather and how to provide it.
Once you’ve gathered your documents, it’s time to submit your mortgage application. Every application is assessed individually by real people who take the time to understand your full financial picture.
If your application is approved, you’ll receive a formal loan offer outlining your new rate, term, and repayment schedule. We’ll go through the details with you so you can make a confident, informed decision.
Your solicitor will handle the legal side, including signing the loan documents and arranging the release of funds. Once everything is finalised, your switch to Heritage Credit Union is complete!
Mortgage Enquiry Form
Please complete all your details in the form below, and click submit when you have finished.
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