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.
Please find some useful documents below:
Download: MARP – Mortgage Arrears Resolution Process
Download: Helping Members in Financial Difficulty