Kilcock Credit Union is with you every step of the way
A capped variable rate mortgage and an everyday current account, with decisions made right here in Kilcock
For many people, buying a home is the biggest financial decision they will ever make.
At Kilcock Credit Union, it should feel exciting, not overwhelming, and that starts with a local team beside you from your first payday to the day you pick up the keys.
Kilcock Credit Union is proud to offer Ireland’s new Capped Variable Rate Mortgage, combining the flexibility of a variable rate with the peace of mind of a cap.
The current rate is 3.85% (APRC 3.92%), capped at 4.40% (APRC 4.5%) for the first three years, so your repayments will never rise above that limit during the capped period.
Whether you’re a first-time buyer, mover or switcher, all lending decisions are made locally.
Everyday money matters too. With the Kilcock Credit Union Current Account, you can keep your salary in one place, pay with tap-and-go, Apple Pay, Google Pay or Google Wallet, and track spending through Online Banking or the Mobile App for a monthly maintenance fee of €4.00.
Not a member? Not a problem. Join online, through the mobile app, or at the office on The Square, Kilcock.
Ready to take the next step? Apply for Membership, call 01 628 7824, email [email protected] or call into the office.
Representative example: the monthly repayment on a 20-year mortgage of €100,000 at a variable rate of 3.85% is €598.11 for 240 months. The total amount repayable is €143,545.
If rates rise to the cap of 4.40%, an additional €29.15 would be payable per month. APRC 3.92%. This does not include valuation fees, legal fees or other third-party charges.
Warning: This is a variable rate loan. The payment rates on this mortgage 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: 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.
Loans are subject to approval. Lending criteria, terms and conditions apply.
Applicants must be over 18 and resident in the Republic of Ireland. A first legal charge, mortgage protection insurance and home insurance are required.
Kilcock-Kilcloon and District Credit Union Limited, trading as Kilcock Credit Union, is regulated by the Central Bank of Ireland.
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