Plus in the mortgage market

Buying a home is one of the biggest financial decisions many of us will make, so having a mortgage that offers choice, flexibility and local support can make a real difference.

Credit Union Plus in Ballyjamesduff has introduced significant changes to its Flexible Mortgage offering, giving members even more options when buying or switching their home.

From October 1, 2026, members can borrow up to €500,000, subject to lending criteria.

A new Flexible Green Mortgage rate of 3.14% APRC variable is available for qualifying homes with an A or B BER rating, while the rate remains at 3.56% APRC variable for properties rated C or below.

There are also additional benefits for members, including €1,000 cashback on mortgages up to €150,000 and €1,500 cashback on mortgages over €150,000.

Mortgage holders can also receive a free Credit Union Plus Current Account for the entire term of their mortgage, subject to eligibility and account terms.

Credit Union Plus will also cover the cost of the property valuation required too.

Flexibility is at the heart of the offering.

Members can repay their mortgage in full early or make additional repayments through one-off or regular lump sums without a penalty, subject to the terms of their mortgage.

Most importantly, Credit Union Plus mortgage rates are not directly linked to ECB rate increases and will not automatically increase in line with ECB rate increases.

Whether you’re buying your first home, moving house, or considering switching your mortgage, the Credit Union Plus team is on hand to provide personal, local support throughout the process.