Mortgage Switch | St Patricks Credit Union | People Helping People
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The Mortgage Switch Loan, with a specially reduced interest rate of 4.25% p.a. variable, is available to all members who are looking to clear their home mortgage with a bank or building society.

Mortgage Switch

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More Info

The Mortgage Switch Loan is offered exclusively to clear a member’s existing mortgage on the family home with another financial institution and is not available for the purchase of a property.

This loan would be suitable for members who are on a variable rate mortgage with their current lender.

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.

Terms & Conditions

Further savings ...

Members could make further savings by cancelling their mortgage protection policy, assuming the Mortgage Switch Loan is covered under the Credit Union’s Loan Protection Policy. Please note that our Loan Protection Policy only covers members, so in the case of a joint mortgage the existing mortgage protection policy would need to be amended and held to maintain cover for the non-member.

Know your Mortgage Switch 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

Mortgage Switch Calculator

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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.

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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