Mortgages - Member First Credit Union


How much can I borrow?

MFCU Mortgages.

How much can I borrow?

Introducing the MFCU Mortgage. If you’re thinking of buying, moving or improving your home, call into our place and ask about the MFCU Mortgage. 

mortgage checklist

What You'll Need

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.

About MFCU Mortgages

MFCU Members Only​

You must be a member of MFCU for at least 6 months before submitting a Mortgage application.

Good Savings & Credit History

You must have demonstrated repayment capacity through savings or recently cleared lending facilities or rent payable. Your Credit Check must also confirm no arrears/missed payments/written off debt etc.

Principal Private Residence

We do not provide mortgages for investment/rental properties, self-builds, holiday homes or log cabins.

Mortgage FAQ

With an MFCU Mortgage, the minimum loan amount is €100,000 and the maximum amount is €350,000. 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

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. 

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

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. 

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.



Loan Amount €200,000€350,000
5 Year Fixed Interest Rate 3.2% (3.9% APR)3.2% (3.9% APR)

Monthly Repayments

(25 Years)

Total Cost of Credit€90,807.39€158,912.93
Total Repayments€290,807.49€508,912.93
*APR = Annual Percentage Rate. Normal lending criteria, terms and conditions apply.

Calculate your mortgage repayments at the link below

Click here for Variable Rate Mortgage Terms and Conditions. Click here for Fixed Rate Mortgage Terms and Conditions.

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