Find out about a Mortgage with First South

At First South Credit Union, our Variable Rate Mortgage offers a highly competitive rate. Whether you’re purchasing your first home, upgrading to a larger property, or refinancing your current mortgage, our dedicated team will guide you through a seamless and stress-free process.

FEATURES & BENEFITS:

Competitive Rate
Enjoy a variable interest rate of just 3.25% (3.30% APRC*).

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 to take out a 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


Submit an enquiry form and a member of the loans department will contact you to discuss your needs and proceed with your loan application. Alternatively, you can visit any of our offices or call us on 021 496 5134.

Warning: The cost of your monthly repayments may increase.

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.

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

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 & Conditions apply. A mortgage of €150,000 over 25 years with 300 monthly instalments costs €730.97 per month at 3.25% variable interest rate (Annual Percentage Rate 3.3%). The total amount you pay is €219,316.95. Possible fluctuations of the rate could affect the amount payable.
First South Credit Union Limited is regulated by the Central Bank of Ireland.

*APRC: Annual Percentage Rate of Charge

If you would like more information on mortgages with First South Credit Union please contact us today.

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