Mortgage Website Enquiries – Claddagh Credit Union

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Topic

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Unique ID

Further Information Required

Mortgage enquiries require us to ask us for more details about your application.

This form will help you find out what may be possible with a mortgage application based on your personal circumstances.

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Interest Rate

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Monthly Interest

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max-borrowing

Number of Applicants*

One

Two

What is your date of birth?*

Day

Month

Year

What is the second applicant's date of birth?

Day

Month

Year

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Applicant 1 Age in Months

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Applicant 2 Age in Months

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DIFFERENCE OF AGE

Applicant 1 less applicant 2

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Show if Applicant 1 is older or the difference is 0

This activates if: 1 applicant The difference of ages of two applicant is a minus integer (meaning applicant 2 is older) The difference in age between two applicants is 0 The value is applicant 1's age who assumes priority on basis of juniority or sole applicant or no difference in age.

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Show if Applicant 2 is older

This activates if: The difference of ages of two applicant is a positive integer (meaning applicant 2 is younger) The field is only activated on two applicants. Their age is used as term length in the following field

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MAximum Allowable Term of Mortgage

Set at 35 Years

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Maximum term length of mortgage (months) BEFORE Max Term

Uses max-borrowing-term class and a retirement age of 66

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Difference of terms

35 years less Max term

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Max term under 35 years Echo

Shows if max term is less 35 years

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35 years Echo

Shows if max term is 35 years

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Maximum term length of mortgage (months)

Uses max-borrowing-term class and a retirement age of 66

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Max Term Back into Years

Are you a first time buyer?*

Yes

No

Are both applicants a first time buyer?*

Yes

No

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First time buyer control

sums questions - 1 means a first time buyer

What do you anticipate your deposit will be?*

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First Time Buyer LTV

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NOT First Time Buyer LTV

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MAX LTV

SET TO 90

Living Situation*

Home Owner

Private Tenant

Local Authority Tenant

Living with Parents

Other

Monthly Rent Paid

We are sorry but we cannot complete a calculation based on your responses.

Why not get in touch with us to discuss your options?

Email: mortgage@claddaghcu.ie

Phone: 091 537200

What is the value of the property you already own?*

Are you currently repaying a mortgage?*

Yes

No

How much is your monthly mortgage repayment?*

What is the remaining balance of your mortgage?*

Have you any savings you would like to offer as equity for an application?*

Yes

No

Please enter the total amount of your savings you would like to offer as equity:

1. Your Income

Tell us about your salary and other income.

Gross Annual Income*

Net Monthly Salary After Tax*

Second Applicant's Gross Annual Income

Second Applicant's Net Monthly Salary After Tax

Do you receive any additional income(s)?

No

Yes

Does either applicant receive any additional income(s)?

No

Yes

Additional Incomes

Please list additional incomes and the monthly amount received from them here. Use the "+" symbol to add more income types.

Income Type

Monthly Amount

2. Commitments

Tell us a little about your fixed monthly outgoings.

Monthly Liabilities

These are fixed payments you make every month such as insurance, PCP, loan repayments etc. but not rent or mortgage repayments. You can add as many as necessary by clicking the "+" icon.

Expense Type

Monthly Amount

Do you have any children or dependants?*

No

Yes

Number of Dependants and/or Children*

Please enter any monthly childcare costs (if any)

Creche, childminder, etc.

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Monthly Liabilities Total

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Total Monthly Income

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Debt Service Ratio

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Total Monthly Commitments

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NDI for one Applicant

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NDI for two Applicants

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Required Monthly NDI per Application

Sum of NDI for one applicant and for two applicants

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Additional Monthly NDI per dependent

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Total Required NDI

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AVAILABLE NDI

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NDI Rule Applied

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DSR Rule Applied

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Maximum Debt Service Ratio (%)

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Maximum Monthly Repayment

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Maximum Monthly Repayment ECHO

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Maximum Allowable Monthly Repayment

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Maximum Monthly Repayment for Calculation

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NDI RULE LOGiC

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If Max monthly repayment is 0 or less

stop

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Else then Max Monthly Repayment

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Sum of NDI conditions

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DSR RUle Logic

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If Max monthly repayment is 0 or less

stop

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If DSR is greater than Maximum DSR

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Sum of DSR Outputs

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Both Rules Satisfied

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NDI Rule+ DSR Rule Divided by two

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Is (NDI Rule+ DSR Rule Divided by two) the same as Max Repayment?

1=yes Anything else is a no

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Yes, NDI +DSR equals max repayment

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No, NDI +DSR does not equal max repayment

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Sum of Yes and No (both rules satisfied or not)

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Lesser of Rules

Show lesser of NDI Rule or DSR Rule. If NDI is > DSR then difference is greater than 0 so show DSR If 0 then show DSR (it doesn't matter as they're both the same) If less than zero then DSR

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Difference of RUles (NDI-DSR)

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Show DSR

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Show NDI

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Lesser of Rules

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echo months

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Backend Calculation for reverse loan calc

If both rules satisfied is yes (1) then show the maximum monthly payment for calculation If both rules satisfied is No (0) show the lesser of the rules

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Maximum monthly Repayment for calculation

Echoes lesser of rules from NDI and DSR

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Available Equity

Will be hidden. Formula is (Home value less mortgage balance) plus any savings offered as equity or deposit for first timers.

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Show Lesser of the rules DELETE

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Total GROSS Annual Income

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Max LTI

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Maximum Borrowing under LTI Rule

Max LTI times Total Annual Income

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Maximum Borrowing under LTV Rule

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Test for Lesser of LTI or LTV

LTI - LTV

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ECHO LTI

If Test for Lesser of LTI or LTV is minus integer or 0 then LTI is echoed

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ECHO LTV

If Test for Lesser of LTI or LTV is positive integer then LTV is echoed

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Maximum Borrowing (LTI versus LTV)

Lesser of LTI and LTV

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Maximum Borrowing (based on lesser of rules and maximum term)

PV Calculation using maximum term and maximum monthly repayment (lesser of rules)

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Test for lesser of Max Borrowings

Maximum Borrowing (LTI versus LTV) less Maximum Borrowing (based on lesser of rules and maximum term)

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Echo Maximum Borrowing (LTI versus LTV)

If Difference from test of lesser of Max Borrowings is 0 or less than 0

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ECHO Maximum Borrowing (based on lesser of rules and maximum term)

If Difference from test of lesser of Max Borrowings is greater than 0

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Maximum Borrowing Possible

The lesser of LTI and LTV or the lesser of NDI and DSR Rule

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Borrow 12

We are sorry but we cannot complete a calculation based on your responses.

Why not get in touch with us to discuss your options?

Email: mortgage@claddaghcu.ie

Phone: 091 537200

How Much You Could Borrow

Based on your responses, the maximum borrowing you could afford is € over a term of years.

Get a call back

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Mortgage

How much do you wish to borrow?

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Slider Echo

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Test for max principal

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Rate

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APR

For How Long? (in years)

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Years Echo

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Test against Max Term

The amount you have applied for is larger than what you are likely to afford based on your income and expenditure. Try lowering the amount or extending the term.

The term you have applied for is longer than what you are likely to afford based on your retirement age.

The principal you have applied for is higher than what you are likely to be approved for.

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Echo Affordable repayment

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Echo monthly repayment

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check if application is affordable

Your Monthly Repayments Will Be:

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Years to months

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Cost of credit

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Total Repayable

A loan of € at 9.5% (4.02% APR) repayable over years would have monthly repayments of per month.

Total amount repayable is . Total cost of credit is .

Are you applying to finance:

Remortgaging existing residence

Moving to a new residence

Renovating an existing residence

Other

Contact Details

Existing members will have an opportunity to complete a member's loan application form in the next screen. Non-members will be offered an application to apply to join and borrow

Name*

First Last

Email*

Phone*

Are you a member of Claddagh Credit Union?*

Yes

No

Please fill in your membership number:

Don't worry if you don't have this to hand.

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Affordability Summary

For the description field in Hive:

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Address

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Home Address*

Address Line 1 Address Line 2 City County Eircode Country

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Home address in Polygon?

Yes

No

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Home Latitude

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Home Longitude

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Work Address*

Address Line 1 Address Line 2 City County Eircode Country

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Work address in Polygon?

Yes

No

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Work Latitude

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Work Longitude

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

The cost of your monthly payments may increase.

Address

Claddagh Credit Union
8-9 Mainguard Street
Galway
Ireland

Phone
091-537200

Email

info@claddaghcu.ie

Privacy Policy
Terms and Conditions

Claddagh Credit Union is regulated by the Central Bank of Ireland .

© 2026 Claddagh Credit Union.