Your dream home awaits
An orange/purple background with the text reading 3.98% APRC.

Looking for a mortgage you can rely on? At First South Credit Union, our Fixed Rate Mortgage offers peace of mind with predictable monthly payments and a highly competitive rate. Whether you’re buying your first home, moving to something larger, or refinancing, we’re here to guide you every step of the way. Furthermore, we ensure the process is personalised and as stress-free as possible.

FEATURES & BENEFITS:

Competitive Rate
Enjoy a fixed interest rate of just 3.90% (3.98% APR) giving you predictable payments for 3 or 5 years.

Flexible Borrowing Options
– Borrow up to 90% of the property price
– Borrow up to 4-times your combined salary or up to €500,000.

Tailored Terms
Choose repayment terms of up to 35 years.

No Hidden Fees
Our costs are clear and straightforward, meaning no unexpected charges.

Outstanding Member Support
 We’re here to work closely with you every step of the way.

By choosing a Fixed Rate Mortgage with us, you’re not only securing your home but also taking control of your financial future. Additionally, you’ll receive consistent support from a trusted credit union.

Easy Application Process

Getting started couldn’t be easier! At First South Credit Union, we’ve simplified the mortgage application process to make it as straightforward as possible.

Contact our Loan Department:
Call us on 021 496 5134, so you can speak directly with one of our friendly team members.

Request a Callback:
Click here to fill out an initial enquiry form and request a call back.

Visit Your Local Branch:
Additionally, you can drop into any of our 5 branches for personalised advice, and no appointment is necessary.

If you have any questions about a Loan or need more information, please contact us. We’re always happy to guide you and make the process as smooth as possible.
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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