Finally. Mortgages done better.

Buying a property is a stressful time. What to buy (and where)? How much to bid (and when)? When you’ve finally found what you’re looking for and you need a mortgage, you want to deal with a lender you can trust.

Connect Credit Union are now pleased to offer our loyal members a New Mortgage product

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A mortgage from a credit union is unique in so many ways

Connect Credit Union is owned by its members, the people who save with it and borrow from it. A mortgage from a credit union is funded by the savings of other people within your community

All lending decisions are taken at local level, not in some remote head office.

Connect Credit union excels in personal service which we provide. For a record breaking six years in a row, credit unions have been voted the best organisation for customer experience in the CXi Ireland report

Whether you’re buying (or building) your first home, trading up (or down) or you’re thinking about switching your mortgage, talk to your local credit union today.

Not a Member?

Joining Connect CU is the best decision you will make for you and your money. Our members benefit from the lowest lending rates in the community, no transaction charges, no fees and friendly staff available to talk to you about your needs.

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  • 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.
  • WARNING - Possible fluctuations in the interest rate could affect the amount payable.

Security, property insurance and life cover required. Loans are subject to approval. Terms and conditions apply. Credit Unions in the Republic of Ireland are regulated by the Central Bank of Ireland.

 

Mortgage Enquiry Form

Mortgage FAQs

Available for first time buyers purchasing a Principal Private Residences, non-first-time buyer purchasing PPRs, Re-mortgage of PPRs, Equity release on PPRs for home improvements and Consolidation of an existing home improvement loan.

Minimum Loan Amount €40,000 - Maximum Loan Amount €350,000

3.82% APR

Minimum 5 years - Maximum 35 years

First Time Buyer - 90% LTV Non-First Time Buyer -80% LTV

4 times gross salary of applicant or in cases of joint application combined salary

Min - 18 years old

Max - 65 years old

Employed

  • 3 months’ up to date consecutive pay slips
  • Completed Salary Certificate
  • P60’s for 3 years
  • 6 months personal bank statements
  • Copy of all savings/investment statements for the previous 6 months
  • Evidence of balance of funds will be required
  • Copy of all mortgage/loan statements for the previous 6 months

Self employed

  • Last 3 years certified accounts
  • Last 3 years tax returns
  • Tax clearance cert
  • Form 11 for last 3 years
  • 6 months personal bank statements
  • Copy of all savings/investment statements for the previous 6 months
  • Evidence of balance of funds will be required
  • Copy of all mortgage/loan statements for the previous 6 months

You most have been in permanent employment for a period greater than 6 months or self-employed for at least 3 years at the time of application.

Yes, we would require: Site map, house plans, specifications and planning permission along with a breakdown of the cost of construction and an architect letter of supervision and indemnity insurance.

Yes, like any other mortgage we would require a First Legal Charge, where applicable, assigned mortgage protection policy covering the full amount and term of the loan or equivalent i.e., to rely on ECCU Loan Protection for insurance cover andhouse insurance with the interest of the Credit Union noted on the policy schedule.

  • Stamp duty
  • Valuation Fees
  • Solicitors Fees
  • Legal Outlay
  • Structural survey
  • If property is older than 50 years

You can discuss these costs with one of our loan officer to give you an idea of expenses.