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SAM - Mortgage Framework

Offer mortgages efficiently and compliantly

Offer mortgages efficiently and compliantly

Upgraded in 2021, SAM (System for Application Management) is a best practice framework for credit unions to offer consumer mortgages.

SAM provides credit unions with optimised processes from application to assessment, documentation and a workflow management system that ensures a consistent approach and compliance with ESIS, MARP and other requirements.

SAM includes training and service support, access to CUDA’s legal and compliance services, and the option for external file assessment by an industry expert at discount rates.

Excellent member experience is ensured via streamlined processes, competitive rates and the personal approach which has made credit unions the most trusted brand in Ireland for many years running.

SAM has helped credit unions issue over 400 mortgages worth €50m since launch in 2017, growing and diversifying income while managing risk within guidelines.

SAM is a ready solution for credit unions looking to take advantage of CP125 and grow market share in mortgages, learn more at

Features for Credit Unions
  • Policy and procedures
  • Credit assessment
  • Technology solution
  • Documentation
  • Training and Service
Benefits for Members
  • Loans
  • Choice of tenors
  • Competitive rates
  • Simple documentation
Benefits for Credit Union
  • Generate income
  • Return on assets
  • Easy to implement
  • Fully compliant
  • Tested Solution
Features for Members
  • Easy to implement
  • Fast turnaround time
  • Dedicated manager
  • Affordable finance