NEW: BORROW UP TO €1,000,000
Mortgages from the people you trust
From first to forever we are making it easier than ever to achieve homeownership.
With mortgage loans now available up to €1,000,000 and with the introduction of our new Green Mortgage, members have more choice then ever before.
Helping you get home
Our Standard Mortgage offers competitive fixed and variable rate options to help you buy your new home or switch your existing mortgage. Whether you’re a first-time buyer, moving home or refinancing an existing mortgage, we have a range of mortgage solutions designed to suit your needs.
We have also launched our new Green Mortgage offering, providing even greater choice for members purchasing or switching a mortgage on an energy-efficient home. Available for properties with a BER rating of B3 or higher, our Green Mortgage rewards members with lower fixed rates while supporting more sustainable homes.
Our Green Mortgage rates are:
- 3 Year Fixed Green Rate – 3.25%
- 5 Year Fixed Green Rate – 3.20%
If you’re unsure which mortgage option is right for you, our mortgage team will be happy to discuss your circumstances and help you find the mortgage that best meets your needs.
Start your mortgage journey today.
Mortgage Rates
Standard Variable Rate Mortgage
A €100,000, 20-year mortgage with a Variable Rate of 4.25% (APR 4.33%), includes 240 monthly repayments of €620.88, excluding insurance.
The total cost of credit i.e. the total amount repayable less than the amount of the loan would be €43,396.24. The total amount repayable would be €143,396.24.
If the prevailing variable rate (4.25%) increased by 1%, the repayments would increase to €673.84.
Warning: The cost of your monthly repayments may increase.
Warning: Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.
Lending criteria, terms and conditions apply. Representative examples are for illustrative purposes only and are based on current rates.
All mortgage applications are subject to assessment of repayment capacity and creditworthiness.
Rates Correct on 01/07/26
3 Year Fixed Rate Mortgage
A €100,000, 20-year mortgage with a 3 Year Fixed Rate of 3.9% (APR 4.22%), includes 36 monthly fixed repayments of €602.38 and 204 variable repayments of €620.88, excluding insurance.
If the interest rate does not vary (based on today’s equivalent variable rate of 4.25%) during the term of the mortgage, the total cost of credit i.e. the total amount repayable less than the amount of the loan would be €47,233.24. The total amount repayable would be €147,233.24.
If the prevailing variable rate (4.25%) increased by 1%, the repayments for 204 monthly repayments would increase to €673.84.
Warning: The cost of your monthly repayments may increase.
Warning: Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.
Lending criteria, terms and conditions apply. Representative examples are for illustrative purposes only and are based on current rates.
All mortgage applications are subject to assessment of repayment capacity and creditworthiness.
Rates Correct on 01/07/26
5Year Fixed Rate Mortgage
A €100,000, 20-year mortgage with a 5 Year Fixed Rate of 4.2% (APR 4.31%), includes 60 monthly fixed repayments of €618.22 and 180 variable repayments of €620.88, excluding insurance.
If the interest rate does not vary (based on today’s equivalent variable rate of 4.25%) during the term of the mortgage, the total cost of credit i.e. the total amount repayable less than the amount of the loan would be €48,131.59. The total amount repayable would be €148,131.59.
If the prevailing variable rate (4.25%) increased by 1%, the repayments for 180 monthly repayments would increase to €673.84.
Warning: The cost of your monthly repayments may increase.
Warning: Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.
Lending criteria, terms and conditions apply. Representative examples are for illustrative purposes only and are based on current rates.
All mortgage applications are subject to assessment of repayment capacity and creditworthiness.
Rates Correct on 01/07/26
3 Year Green Fixed Rate Mortgage
A €100,000, 20-year mortgage with a 3 Year Green Fixed Rate of 3.25% (APR 4.01%), includes 36 monthly fixed repayments of €568.88 and 204 variable repayments of €620.88, excluding insurance.
If the interest rate does not vary (based on today’s equivalent variable rate of 4.25%) during the term of the mortgage, the total cost of credit i.e. the total amount repayable less than the amount of the loan would be €45,072.39. The total amount repayable would be €145,072.39.
If the prevailing variable rate (4.25%) increased by 1%, the repayments for 204 monthly repayments would increase to €673.84.
Warning: The cost of your monthly repayments may increase.
Warning: Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.
Lending criteria, terms and conditions apply. Representative examples are for illustrative purposes only and are based on current rates.
All mortgage applications are subject to assessment of repayment capacity and creditworthiness.
Rates Correct on 01/07/26
5 Year Green Fixed Rate Mortgage
A €100,000, 20-year mortgage with a 5 Year Green Fixed Rate of 3.2% (APR 3.82%), includes 60 monthly fixed repayments of €566.35 and 180 variable repayments of €620.88, excluding insurance.
If the interest rate does not vary (based on today’s equivalent variable rate of 4.25%) during the term of the mortgage, the total cost of credit i.e. the total amount repayable less than the amount of the loan would be €42,859.12. The total amount repayable would be €142,859.12.
If the prevailing variable rate (4.25%) increased by 1%, the repayments for 180 monthly repayments would increase to €673.84.
Warning: The cost of your monthly repayments may increase.
Warning: Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.
Lending criteria, terms and conditions apply. Representative examples are for illustrative purposes only and are based on current rates.
All mortgage applications are subject to assessment of repayment capacity and creditworthiness.
Rates Correct on 01/07/26