Our Fixed Rate Mortgages offer you the security of knowing exactly what your repayments will be for a set period of time.

Choose between 3-year or 5-year fixed terms, with a highly competitive rate of 3.98% APR.

Borrow up to €500,000 with up to 90% Loan-to-Value (LTV), and enjoy the peace of mind that comes with predictable repayments.

Whether you're a first-time buyer or looking to switch, our member-focused approach ensures you get the best deal possible, tailored to your needs

Our Variable Rate Mortgages provide the flexibility to adapt to changing financial circumstances.

With competitive rates starting from 3.30% APR and no hidden fees, you can borrow up to €500,000 with up to 90% LTV.

This option is perfect for those who prefer a more adaptable repayment structure, as your rate may fluctuate in line with market conditions.

Enjoy the freedom to make additional repayments or pay off your mortgage early without penalties, all while benefiting from our member-focused service.

At First South Credit Union, we understand that life can sometimes take unexpected turns. If you're facing difficulties with your mortgage repayments, we're here to help.

Our dedicated team offers tailored solutions to support you during challenging times, helping you stay on track with your homeownership goals while ensuring your financial well-being.

Why Choose Us?
Mortgage - First South Credit Union Ltd

At First South Credit Union, we offer tailored mortgage solutions to suit your needs. Whether you’re a first-time buyer or looking to switch, our team is here to guide you every step of the way. Enjoy competitive rates, flexible terms, and a member-focused approach.

Fixed Rates

Secure your rate for 3 or 5 years

Variable Rates

Enjoy flexibility with competitive rates

Member Focused

Tailored solutions for our members

Estimate Your Mortgage Repayments
Mortgage - First South Credit Union Ltd
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Flexible Mortgage Options


Explore our Fixed and Variable Rate Mortgages with competitive rates, flexible terms, and a member-focused approach. Borrow up to €500,000 with up to 90% LTV.

Warning: The cost of your monthly repayments may increase.

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 keep up your repayments you may lose your home.

Warning: If you do not keep up your repayments you may lose your home.

Representative Example (Variable):
A loan of €350,000 at 3.25% variable interest rate (3.30% APRC*) repayable over 35 years would have 420 monthly repayments of €1,396.28 plus one final payment of €76.52. Total amount repayable is €586,514.12. Total cost of credit is €236,514.12.

Representative Example (3 Year Fixed):
A loan of €350,000 repayable over 35 years at 3.90% fixed interest rate (3.98% APRC*) for the first 3 years wouldhave 36 monthly repayments of €1,528.79 and for the remaining 32 years at 3.25% variable
interest rate (3.30% APRC), 384 monthly repayments of €1,404.72 plus one final payment of €80.90. Total amount repayable is €594,529.82. Total cost of credit is €244,529.82.

The lender is First South Credit Union Limited. Security on your property, property insurance and life cover are required. Loans are subject to approval. Terms & Conditions apply.

*APRC: Annual Percentage Rate of Charge

If you would like more information please contact us today.

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