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Tullamore Credit Union
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    • Your Income

      Tell us about your salary and other income.
    • Please list additional incomes and the monthly amount received from them here. Use the "+" symbol to add more income types.
      Income TypeMonthly Amount 

    • Commitments

      Tell us a little about your fixed monthly outgoings.
    • These are fixed payments you make every month such as rent, mortgage, loan repayments etc. but not discretionary expenses such as groceries etc. You can add as many as necessary by clicking the "+" icon.
      Expense TypeMonthly Amount 
    • Creche, childminder, etc.
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      Sum of NDI for one applicant and for two applicants
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      NDI RULE LOGiC

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      DSR RUle Logic

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      stop
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      Both Rules Satisfied

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      1=yes Anything else is a no
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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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      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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      Echoes lesser of rules from NDI and DSR
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      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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      Max LTI times Total Annual Income
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      LTI - LTV
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      If Test for Lesser of LTI or LTV is minus integer or 0 then LTI is echoed
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      If Test for Lesser of LTI or LTV is positive integer then LTV is echoed
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      Lesser of LTI and LTV
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      PV Calculation using maximum term and maximum monthly repayment (lesser of rules)
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      Maximum Borrowing (LTI versus LTV) less Maximum Borrowing (based on lesser of rules and maximum term)
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      If Difference from test of lesser of Max Borrowings is 0 or less than 0
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      If Difference from test of lesser of Max Borrowings is greater than 0
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      The lesser of LTI and LTV or the lesser of NDI and DSR Rule
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    • We are sorry but we cannot complete a calculation based on your responses.

      Why not contact us on to discuss your options?

      You can email us or phone (01) 272 5600

    • How Much You Could Borrow

    • Based on your responses, the maximum monthly repayment you could afford is €

      That means that you could apply to borrow the following amounts over the following terms:
      Term Amount
      12 Months €
      24 Months €
      36 Months €
      48 Months €
      60 Months €

      To start an application, use the calculator below to set an amount and repayment term

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    • 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.

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    • A loan of € at 9.5% (9.92% APR) repayable over years would have monthly repayments of per month.

      Total amount repayable is . Total cost of credit is .

    • 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
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    • Don't worry if you don't have this to hand.
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      1=Yes this came from affordability calculator
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      For the description field in Hive:

    • Address

    • Please search for your address below

      You can search using your Eircode or using the first line of your address

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    • Please enter your work or college address below.

      You can search using your Eircode or using the first line of the address

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    • Unfortunately, both your home and work addresses are not within our common bond

      If you believe this to be an error then please email us or phone (01) 272 5600
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      Filters entries from the affordability calculator - "1" means it's from the AFC

    Address

    CONTACT DETAILS:

    Tullamore Office
    Credit Union House
    Patrick St
    Tullamore, Co. Offaly
    R35 YW58.

    Email: info@tullamorecu.ie

    Phone: 057 93 51780

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    Terms and Conditions 

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

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