Home Improvement Loan Promotion

Home Improvement Loan Promotion

Home Improvement Loan Promotion

HOME IMPROVEMENT LOAN SALE NOW ON

Interested in putting in a new kitchen, conservatory or bathroom?; or maybe you’re planning upgrades to make your home warmer and more energy efficient? We know that any renovation to your home can be stressful and we want to make sure that getting the finance for your home improvement project is not one of those stressful things. To make things easier for our members, you can avail of our Home Improvement Loan Promotional Rate of 7.9% (apr 8.2% Variable) until 31st May 2018.

Start imagining the possibilities for your home with our Home Improvement Loan Sale. Dream Big because big plans don’t have to mean big payments. Our Loan Approval Rate is over 97% and we have over €6 million to lend this month. Don’t delay, contact us today!!

Loans between €5000 to €15000 can be be paid back over a maximum term of 5 years. Loans over €15,000 can be paid back over a 10 year period. It should be noted that loans over €15,000 will only be considered for improvements in relation to property owned by the member borrowing.

 

As it is with all our loan products; the amount you can borrow is based on your capacity to make agreed regular repayments. It’s important not to overstretch your finances and to factor in the possibility of future unexpected change of financial circumstance.  The maximum amount that can be borrowed is €50,000 above shares.

You also have the option of paying back your loan early or making additional repayments through our offices or via our Link CU Online banking at any time with no penalty. Additional security may be required for larger loans.

 

Loan Repayment Calculator

Please use the Student Loan Option on our Calculator which is the same rate of interest (7.9%) as our promotional rate

How To Apply for my Loan

1Apply Online
Complete an Online Loan Application using our Online Banking Facilities. You can also upload your supporting documents using our secure upload facility. Online applications will be dealt with the following working day and a member of our lending unit will contact you within 24 – 48 hours. Please note that you need to have registered for online access in order to submit a loan application this way.
2Call into our Offices
You will receive a loan application pack. You can complete the loan application form from the comfort and privacy of your own home. This pack can then be dropped back to one of our offices with the supporting documentation for assessment. Our friendly and dedicated staff members will be happy to assist you in your Loan Application process and answer any questions you may have.
3Download our Loan Application Pack
Download the Loan Application Pack. Complete the form and return it to any Link Credit Union office with the required documentation. Our friendly and dedicated staff members will be happy to assist you in your Loan Application process and answer any questions you may have.
4Phone Us on 042-9675000 - Lending Unit ext 4
You can contact our Loan Officers who will be happy to assist you in your Loan Application process and answer any questions you may have. You can request to have a loan application pack emailed directly to you.

 

 

Download Loan Application Pack

What We Need

  • 2 recent Payslips / 2 Social Welfare Slips / 2 Pension Slips
  • 3 recent Bank Statements – if you do not have an active bank account please contact our office
  • Completed and Signed Loan Application Form
  • Photo ID – Drivers Licence / Passport Proof of Address – dated within the last 3 months PPS number – on original document

 

In cases where your own income is not enough to support your Loan Application; we may ask for your spouse/partners details to be provided.

Contact us

If you have any questions regarding our Home Improvement Loan Promotion, please do not hesitate to contact us using the form below. A friendly and dedicated member of our team will happily assist you with any query you may have.

Home Improvement Loan Sale Competition

To celebrate our Home Improvement Loan Sale we are giving away a 5 piece Garden Furniture Set to 2 lucky Link Credit Union members on our social media pages.

Facebook Competition: Simply LIKE our Page and comment #homeloansale

Twitter Competition: Simply retweet and MENTION  @LINK_CU #homeloansale

Competition Rules:

  • You must like our social media pages
  • You must be a member of Link Credit Union Ltd.
  • Closing date for entries is Sunday 20th May 2018

 

Home Renovation Incentive Scheme – Reduce your home improvement costs even more

The Home Renovation Incentive (HRI) scheme enables homeowners or landlords to claim tax relief on repairs, renovations or improvement work that is carried out on their main home or rental property by tax-compliant contractors and that is subject to 13.5% VAT. The HRI is paid in the form of a tax credit at 13.5% of qualifying expenditure, which can be set against your income tax over 2 years. This effectively reduces the rate of VAT to zero on qualifying work, up to a value of €30,000.

 

 

 

 

Normal underwriting rules and acceptance criteria apply.  If you do not meet the repayments on your loan, your account will go into arrears which will affect your Credit Rating. *Variable rates are correct as at 16/04/2018 and are subject to change. Our rates depend on your loan amount and may differ from Representative APR.