A dedicated mortgage expert to guide you through the process
3.25% variable interest rate (3.30% APR)
Borrow from €50k to €500k
Flexible repayment with no early repayment fees
Free mortgage protection insurance*
Mortgage Calculator

Loan type


3.3% APR

We now securely use Open Banking, making loan applications quicker & less hassle for you. Find out more about it here

Please note the repayment amount quoted is for illustrative purposes only, to provide you with an overview of the potential cost of borrowing. Actual repayments may vary.

Apply Now

Download & complete our mortgage application form. Scan it back to us at and our lending team will be in touch straight away.

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, leaving your number and preferred time for us to call you back

Not a member? If you work for ESB or live/work in Dublin 1, 2 or 4 you can join Savvi today and apply for a mortgage straight away. Join online now.

Details and Important Information
  • Mortgage can range from €50k to €500k
  • All members over the age of 18 can apply for a mortgage
  • Maximum term of up to 35 years applies
  • Maximum loan to value: 90% for first time buyers and  non-first time buyers
  • Maximum loan to income: 4 x times for first-time buyers and 3.5 times for non-first time buyers
  • Mortgage can be applied for the purpose of any of the following;
    • To buy a house that you plan to live in as your principal residence
    • To improve or renovate a house that you currently use as your principal residence
    • To switch a mortgage loan on your principal residence with another institution
    • To construct a house for the purpose of your principal residence

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 and Insurance are required. You can find our mortgage data protection statement here. A typical €250,000 twenty-five year loan with a variable interest rate of 3.25% and 3.30% APR (Annual Percentage Rate), where the APR does not vary during the term, would have monthly repayments of €1,218.38 and the total cost of credit (the total amount repayable less the amount of the loan) would be €115,499.68

*You must have mortgage protection insurance in order to take out a mortgage loan. Savvi provides mortgage protection insurance on mortgages up to €500k. Savvi’s mortgage 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.

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.