Why choose First South Credit Union?

At First South Credit Union, we understand that applying for a mortgage can feel intimidating and tiring, especially with so many options available in the market. This is why we want to make your experience as smooth and stress-free as possible.

We will work alongside you through every step of the process, providing personalized support and guidance. We pride ourselves on putting our members first. Our tailored approach to each unique member ensures that your specific needs are taken into account, providing you with a worthwhile mortgage experience that values your time and requirements.

What sets us apart from other mortgage providers is our member-focused approach, community involvement and competitive low rates, ensuring you get the best possible deal for your financial situation.

If you’re exploring mortgage providers and are seeking a partner who will work with you, not just for you, consider a Fixed-Rate mortgage with First South Credit Union.

 

FEATURES & BENEFITS:

  • 3.90% Fixed Interest Rate (3.98% APR)
  • Borrow up to 90% of the purchase price
  • Borrow up to €400,000 or up to 4 times your combined salary
  • No hidden fees or transaction charges
  • Great customer service
  • One of the lowest rates available
  • The interest you pay goes back in to your community
How to apply

How To Apply


Contact our loan department today on 021 496 5134 to start your mortgage application.

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Warning: You may have to pay charges if you pay off a fixed-rate loan early.

Warning: The cost of your monthly repayments may increase.

Warning: If you do not keep up your monthly repayments you may lose your home.

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.

The lender is First South Credit Union Limited. Security on your property, property insurance and life cover are required. Loans are subject to approval. Terms and conditions apply. First South Credit Union Limited is regulated by the Central bank of Ireland.

Representative Example (3 Year Fixed):
A mortgage of €400,000 payable over 35 years, initially on a fixed rate for 3 years at an Annual Percentage Rate (APR) of 3.98% and then on a variable rate of 3.30%(APR) for the remaining 33 years would require 36 monthly installments of €1,747.19 followed by 384 monthly installments of €1,605.39. The total amount payable would be €679,458.65. Total cost of credit is €279,458.65.

Representative Example (5 Year Fixed)
A mortgage of €400,000 payable over 35 years, initially on a fixed rate for 5 years at an Annual Percentage Rate (APR) of 3.98% and then on a variable rate of 3.30%(APR) for the remaining 30 years would require 60 monthly installments of €1,747.19 followed by 360 monthly installments of €1,612.12. The total amount payable would be €685,295.64. Total cost of credit is €285,295.64.

If you would like more information please contact us today.

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