Mortgage Loan 3.85%

Your New Home For Mortgages

Introducing Ireland’s New Capped Variable Rate Mortgage

At Kilcock Credit Union, we’re proud to bring you something truly unique – Ireland’s new Capped Variable Rate Mortgage.

It gives you the flexibility of a variable rate with the peace of mind of a capped rate.

How? Your repayments will never go above a set limit during the capped period, no matter how rates may change.

Our current rate is 3.85% (APRC 3.92%), capped at 4.40% (APRC 4.5%) for the first 3 years.

Who is this mortgage for?

Whether you’re stepping onto the property ladder for the first time or making your next move, our mortgage is designed to fit a variety of needs:

  • First-Time Buyers – Start your journey with confidence.
  • Movers – Make your next house a home.
  • Switchers – Move your mortgage to us and enjoy the benefits.

Why choose Kilcock Credit Union

We believe that getting your mortgage should feel exciting, not overwhelming. From envisioning your dream home to picking up the keys, we’ll be with you every step of the way.

With Kilcock Credit Union, you’ll enjoy:

  • Local decision-making – All lending decisions are made here in your community, with your best interests at heart.
  • Our own rates – We set our own competitive mortgage rates.
  • Flexible repayments – Pay fortnightly or monthly, whichever suits you.
  • No early repayment penalties – Pay off your mortgage faster if you wish.
  • Transparent costs – No hidden fees or surprise charges.
  • Personal service – We know our members, and we’re here to support you.

Key Features of Our Capped Variable Rate Mortgage

  • 3-year capped rate period – Your interest rate will never go above the agreed cap during this time.
  • Overpayment options – Make lump sum or regular extra payments. You decide whether to:
    • Reduce your monthly repayments while keeping the same term, or
    • Keep your repayments the same and shorten your mortgage term.
  • Flexibility built in – Tailor your mortgage to your lifestyle and financial goals.

Typical Costs to Plan For

When buying or building a home, you should also budget for:

  • Stamp Duty
  • Conveyancing (Solicitor) Fees
  • Mortgage Valuation Fee
  • Home Insurance & Mortgage Protection/Life Insurance

Ready to take the next step?

Contact our mortgage team today to arrange a chat with friendly advice from people who care. 

  • Phone us on 01 628 7824
  • Email us loans@kilcu.ie
  • Call into the office for more information

Loan Calculator

Try out our quick and easy loan calculator below

Maximum Loan Amount :
Maximum Loan Term :

€

Required Loan Term

Repayment Frequency
€
APR
3.92%
# Repayments
Total
Total Cost
Apply for Loan
€
APR
3.92%
# Repayments
Total
Total Cost
Apply for Loan
€
APR
3.92%
# Repayments
Total
Total Cost
Apply for Loan
€
APR
3.92%
# Repayments
Total
Total Cost
Apply for Loan

This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.

REPRESENTATIVE EXAMPLE

The example will help to show you the typical costs associated with a Mortgage

Loan Amount

€100,000

Interest Rate - 3.92% APRC

3.85%

Term

20 Years

Cost of Credit

€43,545

Monthly Repayment

€598.11

Total Repayable

€143,545

The maximum loan amount is typically up to 3.5 times your gross annual income (or up to 4.0 times for first-time buyers) and can be no more than 90% of the property’s value. The monthly repayment on a 20-year mortgage with a variable borrowing rate of 3.85% on a mortgage of €100,000 is €598.11 for 240 months. Total amount repayable is €143,545. If interest rates increase to the cap of 4.40%, an additional €29.15 would be payable per month. For this example, Annual Percentage Rate of Charge (APRC) of 3.92% applies and consists of variable borrowing rate of 3.85%. It does not include valuation fees, legal fees, or other third-party charges that may apply.

For more information regarding our Mortgage General Terms and Conditions Click Here

For more information regarding our Terms Of Business Click Here

For our Complaints Form Click Here

Mortgage Enquiry Form

Mortgage Enquiry Form
Mortgage Enquiry Form

Member Testimonials

“Staff are incredibly helpful and friendly. The app and website are faultless and so user-friendly - puts some of the bigger banking companies apps to shame!”

Darragh, Kilcock CU Member

“We got the car yesterday.. Thank you so much for approving the loan and the process of getting the loan was so smooth and comfortable. Hats off to you and all your team mates. Much appreciat...”

Kilcock CU Member Read more

“I would like to take this opportunity to express our sincere thanks and appreciation for the customer service we received recently during our loan application process. The customer service w...”

Kilcock CU Member Read more

“The best staff!!! All so friendly and helpful”

Tina, Kilcock CU Member

“I recently applied for a car loan with Kilcock Credit Union and it was a great experience. I was primarily dealing with Suzanne and she made it so easy from start to finish. It was clear wha...”

Eimear, Kilcock CU Member Read more

Warning – This is a variable rate loan: The payment rates on this mortgage may be adjusted from time to time.

Warning – Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.

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 meet the repayments on your loan, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL-agreement in the future.

Loans are subject to approval. Lending criteria, terms and conditions apply. Mortgage approval is subject to a satisfactory assessment of suitability and affordability. Applicants must be over 18 and resident in the Republic of Ireland.

Terms and Conditions apply. A first legal charge is required for all mortgages. Mortgage protection insurance and home insurance are required.

* APRC = Annual Percentage Rate of Charge

Kilcock-Kilcloon and District Credit Union Limited, trading as Kilcock Credit Union, is regulated by the Central Bank of Ireland (No. 344CU) and authorised as an investment business for the provision of investment intermediary services (No. C13889)