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

We offer Standard Mortgages and Green Mortgages.

 

Our Standard Mortgage rate is 3.95% (4.02% variable APR).

Our Green Mortgage rate is 3.5% (3.57% variable APR) 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.

Loan Calculator

Car Loan
Car Loan
Loan amount € 20,000 APR* = 10.74 %
  • Loan Amount : € 20000
  • Repayment : €---
  • Loan Term : 1 Years
  • Total Repayments : €---
  • Total Cost of Credit : € 20000

*APR = Annual Percentage Rate

Green car loan
Green car loan
Loan amount € 20,000 APR* = 6.17 %
  • Loan Amount : € 20000
  • Repayment : €---
  • Loan Term : 1 Years
  • Total Repayments : €---
  • Total Cost of Credit : € 20000

*APR = Annual Percentage Rate

Home Improvement Loan
Home Improvement Loan
Loan amount € 500 APR* = 6.7 %
  • Loan Amount : € 500
  • Repayment : €---
  • Loan Term : 1 Years
  • Total Repayments : €---
  • Total Cost of Credit : € 500

*APR = Annual Percentage Rate

Green home improvement loan
Green home improvement loan
Loan amount € 500 APR* = 6.17 %
  • Loan Amount : € 500
  • Repayment : €---
  • Loan Term : 1 Years
  • Total Repayments : €---
  • Total Cost of Credit : € 500

*APR = Annual Percentage Rate

Mortgage Secured Loan
Mortgage Secured Loan
Loan amount € 150,000 APR* = 4.02 %
  • Loan Amount : € 150000
  • Repayment : €---
  • Loan Term : 15 Years
  • Total Repayments : €---
  • Total Cost of Credit : € 150000

*APR = Annual Percentage Rate

Green mortgage
Green mortgage
Loan amount € 150,000 APR* = 3.57 %
  • Loan Amount : € 150000
  • Repayment : €---
  • Loan Term : 15 Years
  • Total Repayments : €---
  • Total Cost of Credit : € 150000

*APR = Annual Percentage Rate

Contact information

Are You a Member of Life Credit Union?

Please note by submitting your information, you are agreeing to the terms and conditions of our privacy policy.

Terms & Conditions Apply. APR means Annual Percentage Rate. The repayment amount quoted is for illustrative purposes only to provide you with the potential cost of borrowing.
Actual repayment amount will be as given in your credit agreement at the time of borrowing.

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 TypeNominal Borrowing RateAnnual Percentage Rate(APR)
Standard Mortgage3.95%4.02%
Green Mortgage (Energy Rating B3 or above)3.50%3.57%

Standard Mortgage

Nominal Borrowing Rate
3.95%

Annual Percentage Rate (APR)
4.02%

Green Mortgage (Energy Rating B3 or above)​

Nominal Borrowing Rate
3.50%

Annual Percentage Rate (APR)
3.57%

Lending Terms & Conditions Apply:

APR stands for Annual Percentage Rate. 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 APR 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 14/06/2024 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:

The cost of your monthly repayments may increase.

WARNING:

If you do not keep your repayments you may lose your home.

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We are proud supporters of our community.

Just checking on what you want to do...

You are about to make a full online loan application. If this is what you want to do, just click ‘Online Loan Application’ below and complete our application.

But, if you are just looking for loan repayments or to send us an enquiry about a loan, just click ‘Loan Calculator’ and use the sliders to get your repayments. You can fill in a few details and send us an enquiry and one of our team will be back to you soon.

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