Buying a home is a big step. Your Credit Union is here to help you on your way. Whether it’s your first home, or a subsequent home we are here to CU home. Our Home Loan is only available for members to purchase, construct or significantly renovate their own principal private residence.

Home Loan Product Features

• Variable rate of 3.85% (Typical APR 3.92%)
  • Max loan term 30 years.
  • Min loan amount €50,000; Max loan amount €400,000.

How to Apply

Because of the typical transaction size, we are available by appointment to meet you to discuss your Home Loan proposal in any of our offices in Achill, Balla, Ballyhaunis, Castlebar, Kiltimagh or Swinford. Please contact a member of our lending team on 094 9022969 or email loans@fccu.ie.

Representative Example

The monthly repayment on a 20 year home loan with a variable borrowing rate of 3.85% on a mortgage of €250,000 is €1,495.26 for 240 months. Total amount repayable is €358,863.35. If interest rates increase by 1% an additional €133.98 would be payable per month. For this example, Annual Percentage Rate of Charge (APRC) of 3.92%.

Information correct as of 01/05/2026 but is subject to change. 

Additional Information

• Free Loan Protection Insurance (Terms and Conditions apply).
• Range of repayment methods available.
• No penalty for early repayment.
• Maximum loan is 90% of the purchase price or valuation, whichever is the lesser.
• Maximum loan for first time borrowers is 4 time gross annual basic income.
• Maximum loan for second and subsequent borrowers is 3.5 times gross annual basic income.
• A first legal charge is required.
• Our Home Loan is only available to members who are resident and employed or self-employed in the Republic of Ireland.
• We also offer Switcher Mortgage options.

As a First Choice Credit Union member, you can save even more on your home insurance with Allianz Ireland - get 13% off online now.

Allianz p.l.c. is regulated by the Central Bank of Ireland. Standard acceptance criteria, terms & conditions apply.

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