Savvi Mortgages – Smart, Simple, and Built for You
Buying your first home? Moving? Thinking of switching? Whatever your mortgage needs, we’ve got you covered and we’re here to guide you every step of the way.
- Green 3 year Fixed Rate Mortgage – If you’re buying a home with a BER rating of A1 to B3, you can avail of our Green 3.25% fixed rate.
- Standard 3 Year Fixed Rate Mortgage – A 3.5% fixed rate available to all members.
- Switcher Mortgage – If you are looking to move your mortgage to Savvi, lock in peace of mind! Your rate won’t go above 3.25% until April 2027, but if our variable rate drops, so will yours. And get a Switcher Bonus – €1,000 towards legal fees.
- Variable Rate Mortgage – Enjoy a competitive 3.75% variable interest rate.
Let’s make your mortgage journey smooth and stress-free with Savvi.
– 3.25% fixed rate (3.80% APR)
– 3.5% fixed rate (3.81% APR)
– 3.75% variable rate (3.82% APR)
– 3.25% max until April 2027 (3.80% APR)
- Weekly Total Repayments Interest
- Monthly Total Repayments Interest
- Fortnightly Total Repayments Interest
We now securely use OPEN BANKING, making loan applications quicker & less hassle for you. Find out more about it here
APR means Annual Percentage Rate. The repayment amount quoted is for illustrative purposes only, to provide you with an overview of the potential cost of borrowing. Restrictions may apply.
Apply Now
Download & complete our Mortgage application form. Send it to us at 56 Sir John Rogerson’s Quay, Dublin 2 and our Mortgage Team will be in touch.
If you’d prefer to speak with our mortgage team first;
- Call us on 01-6325100 and select 2 from the menu
- Email us on mortgages@savvi.ie, leaving your number and preferred time for us to call you back
- Any member over the age of 18 can apply for a mortgage
- Maximum term available is 35 years
- Maximum loan to value is 90%, so you must have a deposit of a least 10% of the house price.
- You must also have enough funds to cover Stamp Duty & Solicitor’s Fees.
- Maximum loan to income: 4 times for first-time buyers and 3.5 times for Switchers or Movers
- Mortgage is for Principal Private Residence (Family Home) only.
- We do not provide mortgages for investment/rental properties.
Variable Rate Mortgage Representative Example: A typical €250,000 twenty-five-year loan with a variable interest rate of 3.75% and 3.82% APR (Annual Percentage Rate), where the APR does not vary during the term, would have monthly repayments of €1,285.54 and the total cost of credit (the total amount repayable less the amount of the loan) would be €135,618.41
Insurance: *You must have mortgage protection insurance in order to take out a mortgage loan. Savvi provides loan protection insurance on mortgages up to €500k. Savvi’s loan protection insurance is a policy provided by a third party insurance company for and on behalf of Savvi Credit Union Limited. It provides limited life cover on mortgages issued by Savvi subject to terms and conditions and exclusions of the policy. The cover is held by Savvi Credit Union and not by you. It is a block policy rather than on an individual basis and therefore is NOT tailored to your needs. It remains your responsibility to ensure you have sufficient mortgage protection/life cover to meet your needs. If you already have life cover and are considering moving your mortgage to Savvi, it is important that you get independent financial advice before cancelling any existing life cover you may have in place. The credit union cover will be provided free of charge even if you have additional cover, but it is important to be aware that it can be costly and difficult to get life cover as you get older. Therefore, it is not always advisable to cancel an existing policy.
Information correct as at 28/03/2025 and is subject to change. Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status. Security and Insurance are required. You can find our mortgage data protection statement here.
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.
Warning: if you do not keep up your repayments you may lose your home.
Warning: You may have to pay charges if you pay off a fixed–rate loan early.