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Mortgage Refinancing Help
: Business: Financial Services: Banking Services: Credit Unions: Regional
: Ireland (29)
 When refinancing, don't take the first offer that comes around. Instead you should actively compare both interest rates and lenders.
 See also:
 Athenry Credit Union »
Serves the residents of Athenry, County Galway and offers details on services, location, hours, benefits and general information.
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 Roscrea Credit Union »
Members in Roscrea, County Tipperary may access account balances and apply for loans online. Describes directors, news, accounts, products and services.
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 Larne Credit Union »
Offers cooperative financial services to its membership in Larne and Carnlough, County Antrim. Describes staff, locations and business address and offers generic information concerning membership and services.
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 New Ross Credit Union Ltd., »
Offers membership to those who live or work in the Southwest Wexford or Southeast Kilkenny area from New Ross, County Wexford. News, opening times, services, including insurance; and membership requirements.
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 Roscommon Credit Union »
Offers services to those in the parishes of Roscommon, Athleague, Kilbride, Oran, Knockcroghery, Dysart and Taughboy and the DED of Rosmoylan, County Roscommon. Describes services, membership, loans and hours.
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 Dundrum Credit Union - Homepage »
Homepage
- A community financial institution offering service in Dundrum, Dublin 14 and providing details and member access to the range of financial services offered, including savings, loans, insurance and foreign exchange.
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 Blackrock Credit Union »
Membership for those who live or work in Blackrock, County Dublin. Discusses joining, loans, savings, services and hours.
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 Cashel Credit Union »
Persons living or working within a ten mile radius of Cashel, County Tipperary town may apply to join. Features details on savings, loans, services, hours, staff, news and youth services.
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 Citybus Employees' Credit Union Ltd. »
Members are drawn solely from the staff of Dublin Bus. Describes hours, location, business background, services, upcoming events and membership application.
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 The Lough Credit Union »
A community institution serving the people of the Lough and Togher areas of Cork City, County Cork. Gives information about administration, savings, loans, services, location and hours of business.
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 Newbridge Credit Union Ltd »
A co-operative financial institituion offering savings and loans to its members in Newbridge, County Kildare. Describes services, location and hours.
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 Tipperary Credit Union »
Financial services for those in the area of Tipperary town, including loans, savings, insurance and foreign exchange. Describes services, locations and hours.
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 Rathkeale and District Credit Union Ltd. »
Provides financial services to the local community in Rathkeale, Croom, Adare and Ballingarry, County Limerick. Describes locations, hours, news and services including loans, savings, insurance and foreign currency.
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 Drogheda Credit Union »
Membership for those living or working in the area of Drogheda, County Louth. Offers business background, news and events, location, hours and available services.
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 ANSAC Credit Union »
Based in Dublin it serves Army, Naval Service and Air Corps, membership of PDFORRA. News, membership application, loan calculators, profile and services.
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 Clonmel Credit Union »
Serves all who reside in or work within twelve miles of Clonmel, County Tipperary. Offers details on location, hours, services, membership, online loan applications and news.
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 B.H.K. Credit Union Ltd. »
Serves those who live or work in the parishes of Blackrock, Haggardstown, Knockbridge and Kilkerley, from Blackrock, County Louth. Describes location, hours, services, loans, savings and news.
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 Portlaoise Credit Union »
Membership is available to those in the area of Portlaoise, County Laois. Describes membership, locations, services, online banking and loan applications, tax information, news and events.
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 Health Services Staffs Credit Union »
An institution for persons engaged in the Health Services (Eastern Region) in the Republic of Ireland. News, introduction, services, hours and locations.
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 Naomh Padraig Credit Union »
An area bonded establishment offering financial services to residents of Galway, Connemara County. Describes membership, services and gives business contact details.
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 Ballinasloe Credit Union »
Serves the residents of Ballinasloe, County Galway and offers information on services, particularly savings, loans and insurance; background, news and location.
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 Maynooth Credit Union »
Offers membership to anyone living or working in the parish of Maynooth, County Kildare, and features membership application, description of services, loan calculators and business contact details.
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 St Gabriel's Credit Union »
An industrial financial institution serving the employees of An Post and Eircom, and families, in Cork city and county. Gives details of savings, loans, services, location and hours.
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 Gorey Credit Union »
Offers membership to those within three miles of Kilmuckridge or ten miles of Gorey, County Wexford. Proffers information on services, loans, savings, membership, location and hours.
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 Raheny & District Credit Union Ltd »
Offers membership by common bond with those in the area of Rahenny, County Dublin. Describes services, including various loans and insurance, online loan and membership applications, hours and location.
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 Ballyphehane Credit Union Limited »
Membership is open to employees of the area and residents of the greater Ballygarvan and Ballinhassig communities in County Cork. Loans, savings, services, personnel and news.
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 Lismore & Cappoquin Credit Union Ltd »
A community bond financial institution for those in Lismore and Cappoquin, County Waterford and local area. Offers individual, community, group and youth accounts, plus information on services, locations, hours, savings, loans, membership and newsletter.
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 Castlebar Credit Union »
Serves the residents of Castlebar, County Mayo and describes loans, savings, insurance, membership and gives a list of frequently asked questions.
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 Tallow Area Credit Union Ltd »
This institution offers membership to those in the Tallow area of County Waterford. Describes location, hours, services, loans, savings, insurance and background information.
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 If there are only a few years left on your current loan, it's no use refinancing with a long term loan. You may need extra cash but with a long term loan, you'll end up paying more for the entire loan term.
Be Proactive. Your loan representative should keep in contact with you even if there isn't any action on your loan. But do your part to keep the lines of communication open as well. If you don't hear from your loan representative for a few days, pick up the phone and ask for an update. The old adage that the squeaky wheel gets the grease definitely applies in this situation.
Be Realistic. Lenders have tightened up loan requirements, so you'll need a good credit score and at least some equity in your home to refinance. To figure out how much equity you have, subtract the total amount that you owe on all of your existing mortgages from how much you think your home is worth. If your credit is severely impaired or you owe more than the value of your home, you probably won't be able to refinance right now.
If your monthly payment on a fixed-rate loan includes escrow amounts for taxes and insurance, your payment each month could change over time due to changes in property taxes, insurance, or community association fees.
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