Mortgage Waiting List - St Raphaels Garda Credit Union

To be eligible to join our mortgages waiting list, at least one of the applicant's must meet ALL of the criteria below.

Have been a member of St. Raphael’s Garda Credit Union for at least 12 months.
Have a well-established relationship with St. Raphael’s Garda Credit Union with a regular contribution to shares, budget account or loans.
Have a proven credit history with St. Raphael’s Garda Credit Union (if you have previously borrowed) and a clean repayment record, and/or have a regular savings record with St Raphael's.
Be in full-time, permanent employment.
Be able to satisfy the Central Bank of Ireland's Mortgage Measures around Loan-to Income and Loan-to-Value.

Meet the terms

I/We meet the above criteria.

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Application Type

What is the purpose of your mortgage?

Which of the following applies to you*

Buying a property

Self-build

Unfortunately, we do not provide mortgages for self-builds at the moment.

Number of applicants*

One

Two

Are both applicants first time buyers?

Yes

1st applicant's name*

First Last

Are you a member of St. Raphael's Garda Credit Union?*

Yes

Please enter your member/reg. number*

2nd applicant's name

First Last Name

Are you a member of St. Raphael's Garda Credit Union?*

Yes

Please enter your member/reg. number*

What is 's gross annual Income?*

What is 's gross annual income?

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FTB

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HIDDEN You may be able to borrow up to

You may be able to borrow up to:

You may be able to borrow up to €450,000.

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HIDDEN You may be able to borrow up to non FTB

You may be able to borrow up to:

You may be able to borrow up to €450,000.

How much would you like to borrow?*

Please enter a number greater than or equal to 40000.

Mortgage Term*

Your monthly repayments would be:

How much have you saved for a deposit? (€)*

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FTB/Moving

Do you have a property selected?*

Yes

Is the property a new build?

Yes

What is the asking/purchase price? (€)

Property Layout

Address of property to be mortgaged

Street Address Address Line 2 City County Eircode

's Details

Date of Birth*

Day

Month

Year

Where are you currently living?

Living with Parents

Tenant

Other

Where are you currently living?

In a home I own

With family

Tenant

Other

Monthly rent payment (if applicable)

Are you currently repaying a mortgage?

Yes

Current Mortgage Lender

Monthly Mortgage Payment

Outstanding Mortgage Balance (approximate)

Current Value of Property (approximate)

's Current Address*

Street Address Address Line 2 City County Eircode

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Section Break

Email*

Phone*

Marital Status*

No. of Dependants

Age of Dependent

Age of 2nd Dependent

Age of 3rd Dependent

Age of 4th Dependent

Age of 5th Dependent

Age of 6th Dependent

's Details

Date of Birth

Day

Month

Year

Where are you currently living?

Living with Parents

Tenant

Other

Where are you currently living?

Home Owner

Living with Parents

Tenant

Other

Monthly Rent Payment (if applicable)

Are you currently repaying a mortgage?

Yes

Monthly Mortgage Payment

Outstanding Mortgage Balance (approximate)

Current Mortgage Lender

Current Value of Property (approximate)

's Current Address

I live at the same address as Applicant 1

I live at a different address to Applicant 1

Address

Street Address Address Line 2 City County Eircode

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Section Break

Phone

Marital Status

Number of Dependants

Age of Dependent

Age of 2nd Dependent

Age of 3rd Dependent

Age of 4th Dependent

Age of 5th Dependent

Age of 6th Dependent

's Employment Details

Employment*

Employed

Self-Employed

Retired

Other

If you have selected OTHER, please provide more details:

Are you a member of An Garda Síochána?*

Yes

What station are you based in?*

How many years have you been in An Garda Síochána?*

Garda Rank*

What is your occupation?*

Number of years with this employer?*

What is your Employer's name and address?*

Employment Type*

Permanent

Temporary

Contract

Business Name*

Type of Business*

Business Address*

's Employment Details

Employment*

Employed

Self-Employed

Retired

Other

If you have selected OTHER, please provide more details:

Are you a member of An Garda Síochána?*

Yes

Garda Rank*

What station are you based in?*

How many years have you been in An Garda Síochána?*

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Employed - Non Garda

What is your occupation?*

Number of years with this employer?*

What is your Employer's name and address?*

Employment Type*

Permanent

Temporary

Contract

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Self Employed

Business Name*

Type of Business*

Business Address*

's Income Details

Salary/Wages Payment Frequency*

Weekly

Fortnightly

Monthly

Other than your salary, do you have any other sources of additional income e.g. property rent, social welfare?*

Yes

Additional Income

Source

Income per annum

Do you have any savings or investments?*

Yes

Savings Investments*

Type (Savings acc./shares etc)

Current Value

Do you have any other commitments, borrowings or credit cards?*

Yes

Comittments

Description

Balance

Lender

Repayments

Frequency

Do you own any other properties e.g. Holiday/Rental proporties?*

Yes

Please provide details

Property Address

Property Layout

Value

Balance Owing

Monthly Mortgage Payment

Please provide details

Bank

Interest Rate

Term

Rent

's Income Details

Salary/Wages Payment Frequency*

Weekly

Fortnightly

Monthly

Other than your salary, do you have any other sources of additional income e.g. property rent, social welfare?*

Yes

Additional Income

Source

Income per annum

Do you have any savings or investments?*

Yes

Savings Investments

Type (Savings acc./shares etc)

Current Value

Do you have any other commitments, borrowings or credit cards?*

Yes

Comittments

Description

Balance

Lender

Repayments

Frequency

Do you own any other properties e.g. Holiday/Rental properties?*

Yes

Please provide details

Property Address

Property Layout

Value

Balance Owing

Monthly Mortgage Payment

Bank

Interest Rate

Term

Rent

Privacy Notice*

I have read the attached Privacy Notice.

Declaration*

I declare that the information provided is true and correct to the best of my knowledge, information and belief.

Is there any additional information you wish to include?

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