Home Improvement Loans with your local Credit Union

NEW Ross Credit Union Home Improvement Loans available at an interest rate of 10.5%*

A Home Improvement Loan with New Ross Credit Union has some very special features:

There are no fees or charges with a credit union loan.

The interest you pay is the full cost of the loan so it is fully transparent.

Credit unions have in place their own insurance policy to provide life cover, subject to terms and conditions, on loans granted to members. This means eligible members loans are insured in the event of death at no direct additional cost to the borrower.

You can repay the loan earlier with no penalty.

Additional lump sum repayments accepted with no penalty.

Flexibility to make larger repayments than agreed with no penalty. *Cost of Finance

For a €10,000, 5 year variable interest rate loan, with weekly repayments of €49.60, at an APR of 11.06%, the total amount payable by the member will be €12,863.52. For further information please contact us on 051-421143, email us at info@newrosscreditunion.com, or pop into our South Street office.

All loans are subject to approval, terms and conditions apply. New Ross Credit Union is regulated by the Central Bank of Ireland.

INSULATION

When you insulate your attic and walls it can give you savings of 50% or more on your annual heating bill and also reduce your carbon footprint. As the price of heating fuel ncreases every year it is ever more important that we try to heat our homes as efficiently as possible. If we can hold the heat inside our homes as long as possible then we don’t need to burn as much fuel, therefore saving on our heating bill.

PLASTER MOULDINGS

Give your rooms a whole new look with the additon of plaster mouldings and covings. They are available in lots of different styles and can transform an ordinary looking room into something special. DOORS A good door is a worthwhile investment, whether it be internal or external. Badly fitting doors can contribute greaty to heat loss, so by having doors expertly made and fitted will prove to be an investment that will pay for itself over time.

WATER ANALYSIS

Is your drinking water safe? The only way to be absolutely sure is to have it professionally analysed. If you need to sink a well you want to be sure that the water you draw is of a standard that makes it suitable for human consumption, so consult the experts for peace of mind. TILES Tiling your home is a wonderful way to add depth and colour. Kitchens, bathrooms, even living rooms, can all benefit from tiling. You can also tile sections of walls, for example over a stove, around a fireplace or around a bath to complement your interior design plan.

HOME HEATING

Fossil fuel based heating systems are still popular however with rising costs it may be wise to explore other avenues such as green energy alternatives. There are also many options when it comes to stoves; oil, gas, wood pellet or fossil fuels such as coal can be used to fuel the stove which can have practical uses such as heating a room, heating water or cooking.

FINANCE

If you need to borrow to finance your building project, look no further than your local Credit Union. They can tailor a loan to suit whatever are your specific needs at rates that won’t put too much of a strain on your pocket.

KITCHENS

There are a vast amount of companies specialising in fitted kitchens – employing 3-D technology, these companies can crete a ‘virtual’ model of your kitchen. Fitted kitchens are becoming increasingly affordable – a visit to a showroom is an excellent way to experience the feel of a kitchen.

PLUMBER

Like the electrician, a good Plumber is worth their weight in gold when it comes to pipes, water supply and gas installation in the home. Both the electrician and the plumber must work in harmony to ensure the smooth installation of heating systems. It is also important to determine where each of their responsibilities begin and end especially when it comes to installing heating systems. FLOORING AND CURTAINS

The choice of flooring is vast, both in materials and design. In general it’s always down to personal taste, but whatever choice you make be sure it’s practical, hard-wearing and good value for money. Likewise with curtains. The choice is vast and it’s very much a matter of your own taste, but you can get a lot of useful advice from your local reputable dealer.

FURNITURE

Buying good quality furniture locally is a wise move in the long run. You’ll get the best advice on what’s most suited to your needs.

CURTAINS AND BLINDS

Choosing the correct type of window covering can be one of the most important decisions in defining the character of your home or business. With such a variety of choices available today, from roller blinds, through to aluminium or wood venetian blinds, plantation shutters, verticals or pleated blinds, there is something to suit all tastes. Using natural wood, sleek aluminium or subtle soft fabrics, the choices are almost endless. Likewise with curtains. The choice is vast and it’s very much a matter of your own taste, but you can get a lot of useful advice from your local reputable dealer.