Home Loans – LTV* < 50% 3.40% (3.45% APR) / LTV* < 80% 3.60% (3.66% APRC)

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Flexible Home Loan Options with Low Loan-to-Value (LTV) Rates

At Dubco Ireland Credit Union, applying for a home loan is simple and straightforward. Whether you’re a first-time buyer or looking to move, we offer competitive rates tailored to suit your needs because with Dubco Ireland, you don’t just get a house, you get a home.

Our Home Loan Interest Rates:

  • Home Loan LTV < 50%: 3.40% variable rate (3.45% APRC)
  • Home Loan LTV < 80%: 3.60% variable rate (3.66% APRC)

€1,000 gesture of goodwill towards your legal fees

Competitive interest rates tailored to your loan-to-value ratio

No hidden fees or charges, what you see is what you pay

No penalties for early repayment so you can pay off your loan faster if you wish

What Will My Loan Repayments Be?

Borrow up to €350,000 (net of shares). All loans are subject to approval based on lending criteria, terms, and conditions.

To view your potential repayments for a LTV < 50% please use the drop-down on the calculator to change the selection

Maximum Loan Amount :
Maximum Loan Term :

€

Required Loan Term

Repayment Frequency
€
APR
3.66%
# Repayments
Total
Total Cost
Apply Now
€
APR
3.66%
# Repayments
Total
Total Cost
Apply Now
€
APR
3.66%
# Repayments
Total
Total Cost
Apply Now
€
APR
3.66%
# Repayments
Total
Total Cost
Apply Now

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.

Representative Example

Fair pricing from your local credit union!

Loan amount

€200,000

Interest rate - APR

3.66%

Loan term

25 years

Total interest

€103,582

Monthly repayment

€1,012

Total cost of credit

€303,582

How Do I Apply?

What you need to avail of our incredible offers.

Applying for your home loan is easy with Dubco Ireland Credit Union. Our streamlined application process ensures you get quick and clear decisions, helping you move closer to your dream home.

The application process will include standard questions regarding the purpose of the loan and completion of our Home Loan Application form below.

Step 1: Complete the Home Loan Application

Start by filling out our Home Loan Application Form below. This form includes standard questions about your loan purpose and financial details.

Step 2: Provide Supporting Documents

To process your application efficiently, you’ll typically need to submit:

  • 3 months of consecutive, up-to-date payslips
  • At least 6 months of recent bank account statements for all accounts
  • 6 months of recent mortgage statements
  • 6 months of recent credit card statements
  • 6 months of recent loan statements
  • Most recent employment details summary (formerly P60)
  • Completed Salary Certificate (download link below for guidance)

NOTE: Additional documentation may be requested based on your individual application.

Step 3: Application Review and Update

Once all required documents are received, a member of our experienced staff will contact you promptly with updates on your home loan application.

Home Loan Application Form

Salary Certificate 2025

Self Build/ Renovation Costing Template

Building Certificate

Gifted Site Letter

Gifted Funds Letter

Ready to apply?

Please note: You must be at least 18 years old to apply for a loan.

Have questions or need assistance?
Email: info@dubcoireland.ie
Call: 01-8870400

Apply Now

Home Loans LTV < 50% T&C's

Home Loan LTV <80% T&C's

*Free Loan Protection Insurance up to €75,000 to all eligible members subject to T&C’s

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

WARNING: The payment rates on variable rate home loans may be adjusted by the lender from time to time.

Note: The above notice in respect of adjustment rates will not apply during any period when the loan is at a fixed rate.

Note: If the Special Conditions specify a guarantee as part of the security for the Home Loan, The Credit Union must notify the terms of the Home Loan, and any changes to those terms, to the guarantor.

WARNING: If you do not meet the requirements on your credit agreement, your account will go into arrears. This may effect your credit rating which may limit your ability to access credit in the future.

WARNING: If you cancel or make a claim for reimburement of a direct debit repaying your home loan account, and do not make alternative arrangements for payments, your account will go into arrears and this may affect your credit rating.

Underwriting criteria, terms and conditions apply, security is required by means of a first legal charge. Please contact us for further details. Loan requsts considered based on proof of income, financial status and proven repayment capacity (including capacity to repay at higher interest rates in variable rate cases only). Loans not available to people under 18. Home loans need to be secured by first legal charge on Principal Private Residence located in ROI.

WARNING: Credit cannot be granted where the information provided is insufficient for the lender to fully assess your credit worthiness.