Are you ready to make the move?

At Claddagh Credit Union, we make the mortgage process simple, affordable, and personal. Whether you’re a first-time buyer or moving to a new home, we offer competitive rates and flexible mortgage options tailored to your needs.

Why choose Claddagh Credit Union?

  • We provide mortgages up to the value of €350,000
  • 3.95% Variable Rate (4.02% APRC – Annual Percentage Rate of Charge)
  • Maximum term is 35 years for 1st time buyers / 30 years for non-first time buyers
  • Maximum LTV (Loan to Value) = 90% on PPR (Principal Private Residence)
  • First legal charge is required for all home mortgage loans
  • Available only for Principle Private Residents (PPR) in the Republic of Ireland.

(Mortgage is for purchase only, no self builds.)

Image of a family including ma, woman and child decorating home. Claddagh Credit Union mortgage

Ready to see how much home you can borrow?

Try our Mortgage Affordability Calculator and get a clear picture of what you can borrow. Start your journey today by calculating your budget, and let Claddagh Credit Union help make your dream home a reality

Calculate Now

Please note: Mortgage enquiries can be made either online, in branch or over the phone

Lending criteria and terms and conditions apply. You mortgage your property to secure the loan. A typical mortgage to buy your home of €100,000 over 20 years with 240 monthly instalments costs €603.35 per month at 3.95% variable - Annual Percentage Rate of Charge (APRC) 4.02%. The total amount you pay is €144,803.74. In most cases you will be required to obtain property and life insurance and these will have an additional cost. We will require an independent property valuation report and this will come at an additional cost.

WARNING: If you do not keep up your 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.
WARNING: The cost of your monthly repayments may increase.

Terms and Conditions apply.
Loans subject to approval.

If you would like more information please contact Claddagh Credit Union today.

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