We understand that there are always ways you can improve your home. So whether it’s a lick of paint or a grand design, we’re here to help you get it done.
We also offer approval online or in-app in minutes for loans up to €25,000, so you can spend less time sorting out your finances and more time making your house a home.
To get online loan approval in minutes, and have your funds paid into your account, you must be registered for Open24 Online Banking, have a Current Account with us, and have your salary paid into this account. During your application you will need to provide us with your PPSN, if approved, you will need to submit proof of PPSN – see here for acceptable documents.
If we already have your PPSN on file, you will not have to provide it to us again. Your loan funds can only be drawn down to a permanent tsb Current Account. The account from which you wish to pay back your loan must be a permanent tsb Current Account and your loan can only be taken out in your sole name.
Minimum loan term 6 months. Maximum loan term 10 years. For online approval in minutes the minimum loan term is 1 year and the maximum loan term is 5 years.
Your application will be subject to a full credit assessment. Lending criteria, terms and conditions apply. Over 18s only.Log in and apply
|Available Loan Amounts||Interest Rate (variable)||APR (variable)||Sample Loan Amount||Total Cost of Credit||Total Amount Payable over 5 Years||Monthly Payment Amount|
|€1,500 - €6,999||13.4%||14.3%||€5,000||€1,887.40||€6,887.40||€114.79|
|€7,000 - €9,999||11.8%||12.5%||€7,500||€2,464.20||€9,964.20||€166.07|
|€10,000 - €19,999||7.9%||8.2%||€10,000||€2,136.80||€12,136.80||€202.28|
APR stands for Annual Percentage Rate. Our Home Improvement Loans have a variable rate which means that the rate, and your loan repayments, can go up or down during the term of your loan.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
The Home Renovation Incentive (HRI) scheme was announced in Budget 2014. It provides tax relief for homeowners by way of an income tax credit of 13.5% of qualifying expenditure (€4,405 - €30,000) on repair, renovation or improvement works carried out on a main home by qualifying contractors.
If your main bank account is with permanent tsb, you won’t need to provide a lot of documentation but you will need to provide us with your PPSN. If we already have your PPSN on file, you will not have to provide it to us again If approved, you will need to submit proof of PPSN – see here for acceptable documents.
See our required documents page for full details.
Please note: Not all applications are the same and additional information may be required in certain circumstances.
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