Mortgages 3.85%

Mortgages with a Difference!

Introducing our new Capped Rate Variable Mortgage. Designed with our Members' interests in mind and to offer choice. We believe our mortgage offering will appeal to our Members. Whether you are starting a Self Build, a First Time Buyer, Second Time Buyer or Switching provider, make an appointment to talk to us.

A Lender You Can Trust!

Buying your first home, a new home or switching mortgage providers is a huge decision, but that decision does not have to be stressful. Let Kilcock Credit Union guide you every step of the way! If you need a mortgage, we are here for you, now and into the future. Our mortgage rate is a competitive 3.85% (3.92% APR), and there’s the bonus of our award winning service and great free benefits.

Competitive capped variable interest rate mortgage

We welcome mortgage applications for First Time Buyers, Second Time Buyers & Switchers.

No early repayment penalties.

Award winning service.

Key features of a Kilcock CU Mortgage

You must be a Member of Kilcock Credit Union before submitting a mortgage application. To become a Member Click Here

Competitive capped rate variable mortgage interest rate of 3.85% (3.92% APRC).

We welcome mortgage applications for First Time Buyers, Second Time Buyers & Switchers.

The minimum mortgage amount is €40,000, and the maximum is €500,000. Terms & Conditions apply.

The mortgage must be for a Principal Private Residence (Family Home) only.

We do not provide mortgages for investment/rental properties.

Maximum mortgage term is 35 years, however mortgage term cannot exceed member’s 70th Birthday.

A limit of 4 times your gross annual income applies to applications for a mortgage for a Principal Private Residence (Family Home) if you are a first-time buyer, otherwise it is 3.5 times.

Maximum LTV ratio is 90% , therefore minimum deposit of 10% of the property purchase price is required. Member must also have enough funds to cover Stamp Duty & Solicitor’s Fees.

For a joint application, at least one applicant must be permanently employed and have passed the required probation period, or be self-employed for a minimum of 3 years.

You must be able to demonstrate repayment capacity.

Mortgage Protection life assurance and home insurance will be required.

Please note supporting documentation will be required for your application.

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

€350,000

Interest Rate - 3.92% APRC

3.85%

Term

35 Years

Cost of Credit

€287,705

Monthly Repayment

€1,519

Total Repayable

€637,705

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.

Loans are subject to approval. 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)