Find out about a Mortgage with First South
A Credit Union Mortgage


Buying a property is a stressful time. What to buy (and where)? How much to bid (and when)? When you’ve finally found what you’re looking for and you need a mortgage, you want to deal with a lender you can trust.

Whether you’re buying (or building) your first home, trading up (or down) or you’re thinking about switching your mortgage, talk to First South Credit Union today.


3.25% Variable Interest Rate

One of the lowest variable rates available.

Up to 90% Loan to Value

First Time Buyers can borrow up to 90% of the value of the property.

No Hidden Fees

There are no hidden fees or transaction charges.

€75,000 - €350,000

Whether you are re-mortgaging for an extension, purchasing a house or building your own home, we can support you with a mortgage from as little as €75,000.

Primary Residence Only

It is important to know that a mortgage from First South Credit Union can only be used when purchasing a principal primary residence.

Great Customer Service

You will not find better customer service anywhere else. Our great team will be there to guide you throughout the mortgage process.

What our Members say:

About a year ago, I noticed as I was logging onto my online banking that First South Credit Union provides Mortgages. First South Credit Union stands out for the excellent customer service they provide online and face-to-face. Nothing is too hard or too silly a question to answer.

I’ve already recommended the team to colleagues and friends.  Again, without a doubt the best customer service. They are so approachable and they provided personal support while I was trying to work out how to buy a house.  The team always rang back or emailed with an answer.  I would not have received such support through a bank. I can’t recommend the team enough.

If you asked me whether you should choose First South Credit Union for your mortgage, I would say do it, 100%. The service and support you get from the team totally worth its weight in gold.  I knew the team was there and getting my house was important to them. They also will highlight any issues you might face, up front, before the process.  

Thank God for Traci and the team at First South Credit Union. I would not have survived the stressful process of buying a house without their knowledge, help and support!

How to apply

How To Apply

Submit an enquiry form and a member of the loans department will contact you to discuss your needs and proceed with your loan application. Alternatively, you can visit any of our offices or call us on 021 496 5134.

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.

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. A mortgage of €150,000 over 25 years with 300 monthly instalments costs €730.97 per month at 3.25% variable interest rate (Annual Percentage Rate 3.3%). The total amount you pay is €219,316.95. Possible fluctuations of the rate could affect the amount payable.
First South Credit Union Limited is regulated by the Central Bank of Ireland.

If you would like more information on mortgages with First South Credit Union please contact us today.

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