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Mortgages Made Easy
At Cara Credit Union, we make the journey to your new home simple, transparent, and personal — with decisions made locally and support you can trust.
Representative Example for a 5-year fixed mortgage:
A €200,000, 35-year mortgage with a 5-Year Fixed Rate of 3.95% (APR 4.26%), includes 60 monthly fixed repayments of €873.59 and 384 variable repayments of €913.05, excluding insurance.
If the interest rate does not vary (based on today’s equivalent variable rate of 4.25%) during the term of the mortgage, the total cost of credit i.e. the total amount repayable less than the amount of the loan would be €182,122.41 The total amount repayable would be €382,122.41
If the prevailing variable rate (3.95%) increased by 1%, the repayments for 360 monthly repayments would increase to €1,027.24
Figures correct as at 23/01/2026 The payment rates on this home loan may be adjusted from time to time.
- Buying your own home
- Switching your mortgage
- Moving homes
- Building a home
- Top-up our mortgage
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WARNING: You should consider the total cost of the mortgage and any applicable incentive included in a mortgage offer. |
WARNING: If you do not keep up your repayments you may lose your home. |
WARNING: Your interest rate may increase and the amount of your mortgage repayments may increase as a result. |
WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL-agreement in the future. |
Warning: You may have to pay charges if you pay off a fixed-rate loan early. |