Lenders · Credit unions (various)
Credit unions: what it offers and who it suits
Checked 21 Oct 2026Credit unions's own pages and the Central Bank register.
Members of a credit union that offers mortgages, often with no breakage fee on overpayments. Each credit union sets its own rate, so none is in the table.
- Regulated as
- credit unions by the Central Bank of Ireland
- How to apply
- Direct only
- Overpay on a fixed rate
- No limit
- Longest term
- 35 years, to age 70
- Switcher offer
- None listedOffers vary by credit union.
- First-time buyers
- Varies by credit union; not every credit union offers mortgages, and each sets its own rate.
- Green rate
- No separate green rate listed
- The lender’s own rates page
- www.creditunion.ie/what-we-offer/mortgages/
The offers above were read from Credit unions’s pages and secondary sources at launch and are to be confirmed line by line against the lender’s current terms.
Rates checked
| Cashback | Checked | |||||
|---|---|---|---|---|---|---|
| This lender publishes no single rate: each credit union sets its own. Ask yours. | ||||||
How it compares
See Credit unions beside every other lender on the rates comparison, and check what a switch would save after fees with the switching calculator. Before you deal with any lender or advisor, check the Central Bank register.
Information, not advice. Nothing here is a recommendation; the right lender depends on your own circumstances, which only a lender or a regulated advisor can assess. Last checked 2026-10-21. MortgageWise is an independent site, not connected with the Central Bank of Ireland, Revenue, the Housing Agency, any local authority, any lender or any Government department. It is not a lender, a mortgage broker, a credit or insurance intermediary, a solicitor, a tax adviser or a financial adviser. It covers the Republic of Ireland only. Before you sign anything, talk to a solicitor and, for advice on a mortgage, to an advisor regulated by the Central Bank of Ireland.