Secured Home Loan (Mortgage)

Loan Calculator

Loan Type

Loan Amount

Loan Term

Years ( months)

10.46% APR


Total Payment



Total Payment



Total Payment


Terms & Conditions Apply. All figures given on this website are for illustrative purposes only, and to give a rough guide on loan repayment calculations. Any statements on this website do not purport to be authoritative or legally binding. You are advised to check with our offices for up-to-date rates and offers

Mortgages - From Waterford Credit Union

No matter what stage of the journey you are at, Waterford Credit Union have a mortgage to suit you. So, whether you’re a first-time buyer, looking to switch your mortgage to a local provider you can trust or, you’re a home mover – WCU are here to help.

At Waterford Credit Union, all lending decisions are made at a local level with an easy application process. Waterford Credit Union allows you to borrow up to €500,000 with a max loan term of 35 years and a variable rate mortgage of 3.99% (4.06% APR).
Five reasons to take out a mortgage from Waterford Credit Union?
  1. Deal with an organisation based within your community that you know and trust.
  2. Your mortgage decision is made at local level. The mortgage advisor you complete your application with will work with you through each stage. Unlike mortgage decisions in the bank, decisions are made at banking headquarters.
  3. Deal directly with your local credit union, not an intermediary or broker.
  4. Free Loan Protection Insurance.
  5. Straight forward, Competitive rate.

Features & Benefits:

  • Minimum Mortgage amount: €60,000
  • Maximum Mortgage amount: €500,000
  • Minimum Term: 5 years
  • Maximum Term: 35 years
  • Minimum age at application: 18 years
  • Maximum Age of completion: 70 years (T&Cs apply)
  • LTV – Maximum loan to value: 90% for first time buyers
  • LTV – Maximum loan to value: 80% for Switchers/Movers/Non-First-Time Buyers
  • LTI – Maximum loan to income is 3.5x times (Combined Allowable Gross Income)
  • You can SWITCH your mortgage from your current mortgage provider to Waterford Credit Union
  • Secured Home Loans are available on a Principal Private Residence only
  • Waterford Credit Union do not consider Buy-To-Let, Self-builds or Commercial Mortgages
  • Security: Waterford Credit Union will take First Legal Charge over the property
  • Free Life Assurance with your mortgage under WCU Group Policy
  • Interest is charged on a daily basis on a reducing balance on a remaining term
  • No Arrangement fees or hidden charges
If you would like to find out more details, please complete our ‘Mortgage Enquiry’ form below and a mortgage advisor will contact you directly.

Variable rate mortgage: The payment rates on this home loan may be adjusted from time to time.

Warning: Your home is at risk if you do not keep up repayments on a mortgage or any other loan secured on it.

Warning: You will have to pay charges if you pay off a fixed-rate loan early.

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.

Terms and Conditions and normal lending criteria apply.


Warning: The cost of your repayments may increase.

Variable Interest Rate: 4.06% APR