Mortgage 3.25% (3.3% typical APR)

For: Home Purchase, Home Improvements or Switching Mortgage.

Typical example: A twenty-year mortgage of €200,000.00 will have 240 monthly repayments of €1134.41, Interest 3.25% variable, (3.3% APR). If the APR does not vary during the term of the loan the total cost of credit is €72,279.13. The total amount payable is €272,279.13

Why choose a BCU Mortgage?

  • Personalised service from the Credit Union you can trust
  • Keep all your borrowing in one place so we can manage all your credit needs



  • Minimum Loan €40,000.
  • Maximum Loan €300,000.
  • Maximum Loan to Value (LTV) 80%.
  • First-Time Buyers (FTB) Maximum LTV 90% (Both parties must be FTB).
  • Minimum Term 5 years.
  • Maximum Term 35 years.
  • Maximum Loan to Income (LTI) 4 times gross annual salary.
  • Professional Valuation on the property required (BCU will pay the valuation fee).
  • First Legal Charge in favour of BCU on the property required.
  • BCU interest noted on Fire insurance cover on the property.
  • Principle Private Residence only.
  • Property in the Republic of Ireland only.
  • For a Home in Joint names, Mortgage must be in Joint names.
  • Lending Terms and Conditions apply.

Supporting Documentation Required for both parties to the mortgage

  • 6 Months Bank Statements for all bank accounts
  • Salary Cert – Click Here
  • Last 3 Months Pay Slips and Employment Detail Summary (formerly P60) for the past 3 years.

Mortgage Affordability Calculator

To view our Mortgage Affordability Calculator – Click Here