your place within your reach.

Whether you’re thinking of buying, moving or improving your home, borrow from a lender you can trust.

Interest Rates as low as


Borrow up to


Spread repayments over

35 YRS


on your MFCU Mortgage

Loan Amount€200,000€350,000
5 year fixed rate4.2%
(4.25% APR)
(4.25% APR)
Monthly repayments
(25 years)
Total cost of credit€323,365.39€565,889.43
People renovating the house concept

How to qualify

for an MFCU Mortgage

You must be a registered MFCU member to apply for a loan with us. We welcome any new members that live, work or study within our common bond to join our North Dublin credit union today.


Visit our Loan Calculator to check the repayments on our great value loan options. Set your desired amount and loan term, and we’ll show you the cost of each repayment.


You will find the complete list of all the documentation you need to apply for an MFCU Mortgage here on our Checklist. By having all these documents ready when you apply, it will speed up your application and avoid delays.


How much can I borrow?

With an MFCU Mortgage, the minimum loan amount is €100,000 and the maximum amount is €500,000. The minimum term of the loan is 5 years with a maximum term of 35 years. Estimate how much you can afford to borrow with our mortgage loan calculator here

Will I need a deposit?

Yes. You will need a minimum of 10% of your mortgage amount as a deposit if you are a First Time Buyer & minimum of 20% of deposit is required for Second Time buyers. You will also need some extra funds for the legal fees of purchasing a home. 

Can I borrow to buy a holiday home or investment property?

No. You can only borrow towards the purchase, equity release and if switching your mortgage  on the PPR (Principal Private Residence).

I have my deposit, what do I do now?

You can fill out our mortgage enquiry form online here and one of our dedicated mortgage advisors will give you a call to discuss your potential mortgage application with MFCU. 

What happens after I apply?

We will contact you if there’s anything else we need and we will send you a decision on your mortgage application as quickly as possible.

Get a mortgage from the people you know, and who know you.

Your home is probably the most expensive (and daunting!) purchase you’ll ever make. With Member First Credit Union you get the reassurance of borrowing from a lender you can trust. Plus, of course, you’ll get a great deal on the interest rate.

looking for home insurance?

Get a quote today from our Insurance Partner – Peopl. Insurance. We want to make the process of buying your home as simple as possible. So why not get in touch with our friends at at Peopl Insurance to find the best insurance option for you.

Great cover, great prices from the people you trust.

terms and conditions

variable rate t&Cs

Full Terms & Conditions for our Variable Rate Mortgage.

fixed rate t&Cs

Full Terms & Conditions for our all new Fixed Rates.

we’re here to help

Lending criteria, terms and conditions apply.
Member First Credit Union is regulated by the Central Bank of Ireland.

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.