Equity Release | St Patricks Credit Union | People Helping People
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Your Choice Loan, with a specially reduced interest rate of 4.25% p.a. variable, is available to all members who are looking to release equity from the value of their home to: Assist a family member in buying a property; undertake major house extension or refurbishment ; pay legal settlements.

Equity Release Loan

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About.

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Maximum loan term is 10 years

Maximum LTV (Loan to Value) ratio is 50% i.e. the maximum loan amount available would be less than or equal to 50% of the value of your property

Legal charge is required on the property in all circumstances

Terms & Conditions

Free Loan Insurance.

Members can also avail of our free Loan Protection Insurance, which clears a member's loan balance in the event of death (assuming the member was in good health at the time of taking out the loan).

KNOW YOUR Equity Release LOAN.


Representative Example

€50,000 loan repayable over 120 months

120 monthly payments of €512.19

Rate of interest 4.25% p.a. variable

Representative 4.34% APR

Total Amount Payable is €61,462.52

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98% of all Loan Applications were Approved!

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5 Great Reasons To Apply Today!


Quick decisions for most loans.


No penalties for early repayment.


Free Loan Insurance cover.


Flexibility to increase repayments and pay off the loan faster.


No hidden fees or charges.

Download Forms

Download Membership Application Forms

Find all the forms you need to apply to join St.Patrick's Credit Union. Click here to download forms

Loan Application Forms

Find all the forms you need to apply for any of our loans Click here to download forms

Useful Information

Each loan application will be treated with the utmost confidence and will be considered on its own merits. Read more useful information about your loan application.

Acceptable Forms of ID

Your loan application will require proof of identity and address. See a full list of the acceptable forms of ID.

Managing Your Repayments