Welcome Home
A dedicated mortgage service with the human touch. We’ll be with you every step of the way!
Welcome Home
A dedicated mortgage service with the human touch. We’ll be with you every step of the way!
Dedicated
Mortgage Advisor
Up to €500,000
Up to 35 Year Term
Easy Application Process
No Early
Repayment Fees
Community
Support
Lock in Your Rate!
Peace of mind – your rate won’t go up before 31st July 2028 even if the markets do!
Price Drop Benefit – if our rate drops, yours will too. No need to ask, we’ll take care of it for you.
€2,000 Switcher Bonus – we’ll give you a €2,000 bonus if you switch your mortgage to us!
Personal Touch – dedicated mortgage advisor with you every step of the mortgage process.
We offer Standard Mortgages and Green Mortgages.
Our Standard Mortgage rate is 3.95% (4.02% variable APRC).
Our Green Mortgage rate is 3.5% (3.57% variable APRC) and is available for properties with a BER rating of B3 and above.
Use our simple loan calculator to find out your repayments, annual interest rate and cost of credit for your loan.
How much can I borrow?
Ready to Start
01
Step
MORTGAGE AFORDABILITY
Use our calculator so we can understand how much you're looking for and your income and savings etc.
02
Step
MORTGAGE CONSULTANT
We'll contact you to discuss your application in more detail and let you know how to progress.
03
Step
APPLICATION + DOCUMENTS
We'll help make sure that you have all your documents ready and submitted, and help you through the process.
04
Step
Approval
If your application is successful, you’ll get mortgage approval so you can get that dream home or switch and save.
Mortgage Interest Rates
| Personal Loan Type | Nominal Borrowing Rate | Annual Percentage Rate(APRC) |
|---|---|---|
| Standard Mortgage | 3.95% | 4.02% |
| Green Mortgage (Energy Rating B3 or above) | 3.50% | 3.57% |
Standard Mortgage
Nominal Borrowing Rate
3.95%
Annual Percentage Rate (APRC)
4.02%
Green Mortgage (Energy Rating B3 or above)
Nominal Borrowing Rate
3.50%
Annual Percentage Rate (APRC)
3.57%
Price Promise: Your interest rate is a variable rate, however we guarantee that your rate will not increase before 31st July 2028. If on the other hand the variable rate decreases, you will benefit from that decrease.
€2,000 Switcher Bonus: Minimum mortgage balance to qualify for bonus is €100,000. Your mortgage must have drawn down within 3 months of the date of issue of the loan offer to qualify. Bonus will be paid at drawdown. Should you decide to re-mortgage or sell this property within 24 months of closing date this €2,000 incentive money will have to be repaid to Life Credit Union and will be added to your mortgage redemption balance.
Lending Terms & Conditions Apply:
APRC stands for Annual Percentage Rate Charge. Mortgage approval is subject to assessment of suitability and affordability. Over 18’s only. Security is required. Life and Home insurance are required.
Maximum Loan to Value (LTV) of 90% will apply to a property’s purchase price. Maximum loan amount will typically not exceed 4 times an individual’s gross income for First Time Buyers and 3.5 times an individual’s gross income for Second Time Buyers.
Standard Mortgage of €150,000 over 10 years, 120 monthly payments of €1,515.12. Representative variable APRC 4.02%. Amount to be repaid €181,813.82.Total cost of credit €31,813.82.
Example is for illustrative purposes only. Exact repayment amounts will be agreed in the credit agreement at the time of borrowing. Information correct as of 22/07/2025 but is subject to change.
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:
You should consider the total cost of the mortgage and any applicable incentive included in the mortgage offer.
WARNING:
The cost of your monthly repayments may increase.
WARNING:
If you do not keep your repayments you may lose your home.
