GCU Mortgages
GCU Mortgages
Borrow Up To €400,000. Low Rate of 3.85% Variable (3.92% APRC).
Backed by an experienced team and a long standing reputation for trust and community support, we have developed a competitive, modern and easy to understand mortgage offering designed with our members at its heart.
Our goal is simple: to give our community a standout mortgage option, fair, transparent and delivered by a financial institution that genuinely puts people before profit. With a strong new mortgage brand and an exceptional service experience, Gurranabraher Credit Union is ready to become a leading local choice and a powerful competitor in the Irish mortgage market.
*Terms & Conditions Apply. All figures given on this website are for your general information only, and give a rough guide to loan repayments. 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.
Why choose GCU Mortgages?
- First-Time Borrowers: Start your journey with confidence.
- Movers: Make your next move with GCU.
- Switchers: Move your mortgage to us and enjoy the many benefits of GCU Mortgages.
- We offer a dedicated Mortgage Advisor who will be available to you throughout the process.
- Easy application process, in person or online.
- We offer quick turnaround times and simple and clear decision making.
The following information will be required and evidence retained for all members :
- Six months personal bank and credit card statements.
- Completed salary certificate.
- Employment Detail Summary (previously P60) for the last three year.
- Members last three months’ payslips.
- Copy of all loan statements for the previous six months.
- Copy of last annual mortgage statements.
- Copy of all savings /investment’s statements for the previous six months.
- All / any other documentation as required by Inspire Credit Union, to be provided by the member(s) in advance of commencing the mortgage application, to satisfy Anti Money Laundering (“AML”) regulations.
- If relevant, evidence and confirmation that any gifts received are non-repayable.
For self-employed members, the following additional financial information must be provided:
- Signed Financial statements: Three years most recent audited accounts or trading accounts certified by your accountant.
- Tax Clearance Certificate and letter from your accountant confirming personal and business tax affairs are up to date and in order and confirming that there are no arrangements in place with the Revenue.
- Form 11 and Chapter 4 receipts from ROS for the last three years.
- Six months most recent business current account bank statements. The most recent date must be dated within the last four weeks.
- Six months business credit card statements.
- Six months most recent statements for any business borrowings held.
Our Mortgage product
- Borrow from €60,000 to €400,000.
- Mortgage term from 5 years to 35 years.
- Variable rate of 3.85% (3.92% APRC)
- First-Time Borrowers: 90% LTV
- Non-First-Time Borrowers: 80% LTV
- Switchers: 70% LTV