Mortgages

Time for your new home?  Come see us @ ArdeeCu

A mortgage on your doorstep.

 

The important bits you need to know about an Ardee Credit Union Mortgage

Borrow between €40K and €350K

Terms Available: 5-35 years

A CU Home Mortgage is only available on a principal private residence (must reside in the property) or for a self-build

 

Available to

First Time Buyers (max loan 90% of the value of the property)

Trading Up, Equity Release, Switcher Mortgage (max loan 80% of the value of the property)

Members between 18 and 65 year of age (mortgage must be paid off by 65- can be extended to 70 in certain circumstances )

 

Employment Requirements

Employees must be in permanent employment more than 6 months and have successfully completed probationary period

Self-Employed must be self-employed for a minimum of 3 years

 

Documents Required

Employees

3 months up to date consecutive payslips	6 months bank statements of all bank accounts
Employee Detail Summary/P60 for last 3 years	6 months credit card statements
Salary Certificate	6 months loan account statements

Self-Employed

3 years audited/trading accounts certified by accountant	6 months bank statements of all personal bank accounts
Confirmation of your tax position from your accountant	6 months bank statements of all business bank accounts
Self-Assessment Notice from Revenue Commissioners for the last 3 years	6 months credit card statements for personal and business credit cards
E-Tax Clearance Certificate	6 months loan account statements

Members must have demonstrated repayment capacity for the proposed mortgage by showing regular savings for a minimum of 6 months.

 

Ardee Credit Union Ltd is regulated by the Central Bank of Ireland.