Mortgage
Make your move with Mallow Credit Union
Whether you’re buying your first home, trading up, or unlocking equity for renovations, our mortgage options are built around you. Borrow from €100,000 to €500,000 with terms from 10 to 35 years and enjoy a competitive variable rate from just 3.8%. Fast decisions, local support—let’s turn your dream home into a reality.
- Variable rate 3.8%
- APR from 3.87%
- Borrow up to €500k
- Maximum Term 35yrs
Mortgage Calculator
Plan your mortgage with confidence
Data Protection Notice
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Why choose a mortgage with Mallow Credit Union?
- No Hidden Fees
- No Penalties For Early Repayment
- No Balloon Payments
- Free Loan Protection Insurance
- Own Your Car Outright
Find out more about our Mortgage product
- Borrow €100,000 to a max amount of €500,000
- You can choose a repayment term from 5 years to 35 years
- Backed by local knowledge and real people
- Fast decisions. Clear answers. No confusion
- You can borrow for the purchase of your principle private residence
- You can switch the mortgage loan relating to your principal private residence in Ireland to us
- Maximum loan to value: 90% for first time buyers.
- Maximum loan to value: 90% for non first time buyers.
- Maximum loan to income: First time buyers, 4 times gross annual income (combined income where relevant)
- Maximum loan to income: Non first time buyers, 3.5 times gross annual income (combined income where relevant)
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.
Getting started
How to become a member
Joining Mallow Credit Union is simple and straightforward. Follow the steps below to become a member and start enjoying all the benefits we offer
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Contact Our Mortgage Team
Contact UsCall us on 022 21121, email mortgage@mallowcu.ie, or make an online enquiry. Our loans officers will talk you through the process.
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Become a Member
Become a MemberYou need to be a member of Mallow Credit Union to apply. Join online or visit any of our branches. You must live, work or study within our common bond.
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Submit Your Application
Complete your application form online or in branch, and provide the required supporting documents. Our team will confirm exactly what’s needed.
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Receive Your Offer
Fast decisions, clear answers, no confusion. Once approved, you’ll receive your formal mortgage offer. We’ll support you all the way through to drawdown.
BEGIN YOUR HOME JOURNEY
We’re ready when you are
Have a question? Get in touch with our mortgage team.
Call 022 21121, email mortgage@mallowcu.ie or make an enquiry online.
FAQs
Got a question?
We’re here to help
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How much can I borrow for a mortgage?
First time borrowers can borrow up to four times their gross income, second/subsequent borrowers can borrow up to 3.5 times their gross income.
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What funds or costs should I be prepared for when applying for a mortgage?
You would be required to have a 10% deposit, solicitors fees, funds for the stamp duty, valuation and you will also be required to have home and life cover in place prior to the mortgage being paid out.
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.
Start application
Ready to apply?
Become a member
Visit us in person at one of our
8 local branches.
Find a branch
Visit us in person at one of our 8 local branches.
Contact
Need to speak to someone? Our team is on hand to help by phone, email, or in person.