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Whatever the job, we’re lending 

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.

Why take out a Home Improvement Loan with us?

  • Approval online or in-app in minutes for loans from €1,500 up to €25,000
  • Competitive rates
  • Flexibility to repay your loan with terms of up to 10 years

How does online approval in minutes work?

  • If you’re a permanent tsb customer you can apply for a Home Improvement Loan through the desktop version of Open24 Online Banking or in-app and get approval in minutes
  • If approved you electronically sign your loan agreement online. You can then transfer your funds directly into your account at any time over the next 90 days
  • Online approval in minutes is subject to a maximum loan amount of €25,000
  • For loans greater than €25,000, and up to €75,000, you can still apply online and one of our team will call you back to discuss your application. If approved you can also draw down your funds online

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.

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Check out our great rates

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
€20,000 + 7.9% 8.2% €20,000 €4,274.20 €24,274.20 €404.57

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.

What is the Home Renovation Incentive (HRI) Scheme?

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. 

Find out more about this scheme on www.revenue.ie.

How to apply

  • If you're a permanent tsb customer just log into Open24 Online Banking from your desktop or log in to our app and apply today
  • If you’re not registered for Open24 or you’re not a permanent tsb customer you can call us on 
    1890 837 413 or +353 1 212 4027 and our team will take your application; or
  • You can drop into any permanent tsb branch to chat with one of our team

To process your application we'll need the following:

  • A completed and electronically signed loan application, which can all be done online through the desktop version of Open24 Online Banking or in our app. 

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.

If your main bank account is not with permanent tsb, we’ll also need:

  • Proof of identification, such as your passport
  • Proof of address, such as a utility bill
  • Proof of PPSN, such as a P60 (Personal Public Services Number)
  • Proof of income, such as 3 months of bank statements from your main personal current account. In certain circumstances, 2 recent pay slips may also be required

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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Credit Cards

Our ICE Visa Credit Card really is a more flexible way to pay, whether you're shopping online or on the high street you'll get all the great benefits.

Help and Support

Need help? Our Help and Support section is full of useful information.

Savings Accounts

If you want to save regularly, then we have a savings account for you. Learn more about your saving options.

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