Quick Quote Calculator
3 years

First time buyers Loan

5.5% Variable
(5.64% APR*)

approval rate

Need help paying legal fees or furnishing your new home? 

It's Easy to Apply

Online Calculator

Fill in our online calculator above and click 'apply'. We'll call you back at a time that suits you.


Email our lending team to discuss your options. We'll forward you on the necessary documentation. Email: loans@straphaelscu.ie

Call Us

Call our lending team to discuss your options. We answered over 64,000 calls last year! Call 0818 247 365

Online Banking

Log on to your online banking and apply for a loan. Click 'Send' and we'll be in touch.

Borrow up to €20,000 over a term of up to 7 years.   

What Do I Need to Apply?

For all applications we require:

  • Copy of Most Recent Payslip
  • Bank Statements - 3 most recent copies
  • Letter from solicitor confirming you are a first time buyer.

In some cases we may request:

  • Proof of Address - bank statement/utility bill dated within last 6 months
  • Proof of ID - copy of driving licence/passport
  • Proof of PPSN - copy of drug pament card, EHIC, tax credit cert, payslip etc

Benefits and Features

Get more from your loan

Flexible Repayments

Depending on which loan you select, you can choose how frequently you want to make repayments to suit your needs

Free Loan Insurance

If you're under 80 years old, you can avail of free loan insurance on your loan. T&Cs apply.

No Early Redemption Fee

No hidden charges or fee. You won't be charged an extra fee if you decide to pay back your loan early.

Loan cannot be used towards a deposit for a house. 

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

Other Information

Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Security may be required. A typical €20,000 five year loan with a variable interest rate of 5.5% and 5.64% APR (Annual Percentage Rate), where the APR does not vary during the term, would have monthly repayments of €382.02 and the total cost of credit (the total amount repayable less the amount of the loan) would be €2,921.39. 

*APR = Annual Percentage Rate