Mortgages
from People You Trust
A Personal Approach to Mortgages
Our experienced lenders personally assess every mortgage application — we take the time to review your full application carefully, working with you offering advice and recommendations that help you secure your mortgage.
Local, personal lending!
Our Mortgage Products & Rates
We offer 2 simple products with competitive rates.
5 Reasons to Choose a KCU Mortgage
1. A Lender You Can Trust
Kilmallock Credit Union have been providing Mortgages to our community since 2016. Our dedicated Mortgage Advisors are here to ensure you get the best outcome.
2. Borrow up to €400,000
We provide for single and joint applications of up to 3.5 times your gross salary and varying deposit levels.
3. Mortgages calculated on reducing loan balance
We calculate our mortgage payments using a reducing rate of interest. That means we base your interest on the balance you still owe — not the amount you originally borrowed.
4. Competitive Rates
Kilmallock Credit Union mortgage rates are very competitive with a maximum term time of 35 years. We can help you choose a term length that suits you. Choose repayments that suit your needs weekly, fortnightly or monthly.
5. We Support You
Applying for a mortgage is both an exciting and overwhelming time. We are here to help make the journey as easy as possible; providing the friendly and honest reassurance that only your credit union can.
Representative Example
A mortgage of €300,000 over 420 months, your repayments will be €1,301.47 per month at a variable rate of 5% (APR 5.17%). The cost of credit is €246,597.61.
A mortgage of €400,000 over 420 months, your repayments will be € per month at a variable rate of 3.85% (APR 3%). The cost of credit is €.
All figures given on our loan calculator are for your general information only, and give a rough guide to loan repayments. Any statements on this website do not purport to be authoritative or legally binding. Kilmallock Credit Union Ltd. accepts no responsibility for errors due to changes in rates or offers which have occurred after this date.
WARNING: If you do not meet the repayments on your credit agreement, 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.
WARNING: If you do not keep up your repayments you may lose your home.
APR stands for Annual Percentage Rate. Lending criteria, terms and conditions apply. Over 18s only. Loans are subject to repayment capacity & financial status.
Kilmallock Credit Union Limited is regulated by the Central Bank of Ireland.