Mortgage
Your Mortgage. Made Simple.
At Altura Credit Union, we make getting a mortgage straightforward and stress-free. Flexible options, expert guidance, and a friendly approach mean your dream home is closer than ever.
Our current Standard Mortgage (Variable Rate) is 3.79% (3.86% APR*)
Our Switcher Mortgage (Variable Rate) is 3.69% (3.75% APR*)
First Time Buyers - up to 90% loan to value for principal private residence 4 x gross annual income
Movers & Switchers - up to 90% loan to value for principal private residence 3.5 x gross annual income
Max Term 35 Years
- First Charge Security on the property is required.
- We do not provide mortgages for Investment, Buy-to-Let or Self Build properties.
- Home insurance and Life cover will be required,
- The property must be located in the Republic of Ireland
- Available on a Principal Private Residence only (PPR).
- Our mortgages are available to over 18’s only.
- No early repayment fees or charges
This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.
BENEFITS OF ALTURA CREDIT UNION MORTGAGE
Competitive Rates
We offer competitive interest rates on our mortgage products, helping you manage your repayments with ease.
Expert Advice
Our mortgage team provides practical guidance to help you choose the right plan and feel confident every step of the way.
Transparent & Fair Decisions
All mortgage decisions are made locally, providing members with a personalised approach to their financial needs.
Member Focused
We put our members and community first, helping you achieve homeownership with trusted support.
Representative Example
The example will help to show you the typical costs associated with a loan for a certain amount.
LOAN AMOUNT €350,000 | LOAN TERM 30 Years |
MONTHLY REPAYMENTS €1,628.37 | INTEREST RATE 3.86% APR* |
COST OF CREDIT €236,390.05 | TOTAL AMOUNT PAYABLE €586.390.05 |
LOAN AMOUNT €250,000 | LOAN TERM 35 Years |
MONTHLY REPAYMENTS €1,075.68 | INTEREST RATE 3.86% APR* |
COST OF CREDIT €201,779.01 | TOTAL AMOUNT PAYABLE €451,779.01 |
| WARNING: POSSIBLE FLUCTUATIONS IN THE INTEREST RATE COULD AFFECT THE AMOUNT PAYABLE. |
| WARNING: IF YOU DO NOT KEEP UP YOUR REPAYMENTS YOU MAY LOSE YOUR HOME. |
| WARNING: YOUR INTEREST RATE MAY INCREASE AND THE AMOUNT OF YOUR MORTGAGE REPAYMENTS MAY INREASE AS A RESULT |
| WARNING: YOU SHOULD CONSIDER THE TOTAL COST OF THE MORTGAGE AND ANY APPLICABLE INCENTIVE INCLUDED IN A MORTGAGE OFFER |
| 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, A HIRE-PURCHASE AGREEMENT, A CONSUMER-HIRE AGREEMENT OR A BNPL AGREEMENT IN THE FUTURE |
Rates are correct as of 10/10/25 and are subject to change. Rates may vary over the term of a mortgage. All information, prices and rates quoted are for guidance only and do not form any part of a legal contract, agreement or understanding.
* APR = Annual Percentage Rate
