Mortgage Interest Rates

Check out our mortgage interest rates


New Business

The interest rate on an existing permanent tsb loan may vary from the rates quoted on this page. APRC stands for Annual Percentage Rate of Charge. LTV stands for Loan to Value. The quoted APRC is a typical APRC based on an assumed loan of €100,000 over a 20 year term.

Home loans - cost per €1,000
Variable rates Borrowing rate APRC over 20 yrs over 25 yrs over 30 yrs

12 Month Discounted Managed Variable Rates (MVRs)

The discounted rate will apply for a period of 1 year from the date of loan issue, but may change within the 1 year discount period (and/or at any time prior to drawdown of the loan). After 1 year your discounted mortgage rate will revert to one of our managed variable rates in line with your LTV at the time of loan issue (this will be 0.50% higher than your discount rate)”).

LTV less than or equal to 50% 3.20% 3.74% €5.65 €4.85 €4.32
LTV greater than 50% and less than or equal to 60% 3.30% 3.85% €5.70 €4.90 €4.38
LTV greater than 60% and less than or equal to 70% 3.40% 3.95% €5.75 €4.95 €4.43
LTV greater than 70% and less than or equal to 80% 3.50% 4.05% €5.80 €5.01 €4.49
LTV greater than 80% and less than or equal to 90% 3.70% 4.26% €5.90 €5.11 €4.60
LTV Managed Variable Rates
LTV less than or equal to 50% 3.70% 3.80% €5.90 €5.11 €4.60
LTV greater than 50% and less than or equal to 60% 3.80% 3.90% €5.95 €5.17 €4.66
LTV greater than 60% and less than or equal to 70% 3.90% 4.01% €6.01 €5.22 €4.72
LTV greater than 70% and less than or equal to 80% 4.00% 4.11% €6.06 €5.28 €4.77
LTV greater than 80% and less than or equal to 90% 4.20% 4.32% €6.17 €5.39 €4.89
LTV greater than 90% (available to existing permanent tsb mortgage customers only) 4.30% 4.42% €6.22 €5.45 €4.95

Warning: The cost of your monthly repayments may increase.

Fixed rates Borrowing rate APRC over 20 yrs over 25 yrs over 30 yrs
1 Year Fixed Rate New Business - less than or equal to 80% LTV 3.20% 4.02% €5.65 €4.85 €4.32
1 Year Fixed Rate New Business - greater than 80% and less than or equal to 90% LTV 3.50%  4.24%  €5.80  €5.01  €4.49 
2 Year Fixed Rate New Business - less than or equal to 60% LTV 3.20%  3.77%  €5.65 €4.85 €4.32
2 Year Fixed Rate New Business - greater than 60% and less than or equal to 80% LTV 3.30% 3.96%  €5.70 €4.90

€4.38

2 Year Fixed Rate New Business - greater than 80% and less than or equal to 90% LTV 3.90% 4.25% €6.01  €5.22  €4.72
3 Year Fixed Rate New Business - less than or equal to 60% LTV 3.30%  3.75%  €5.70 €4.90 €4.38
3 Year Fixed Rate New Business - greater than 60% and less than or equal to 80% LTV 3.40% 3.92% €5.75 €4.95 €4.43
3 Year Fixed Rate New Business - greater than 80% and less than or equal to 90% LTV 3.90%  4.22%  €6.01 €5.22 €4.72
5 Year Fixed Rate New Business - less than or equal to 60% LTV 3.40% 3.71%  €5.75  €4.95 €4.43
5 Year Fixed Rate New Business - greater than 60% and less than or equal to 80% LTV 3.50% 3.87%  €5.80 €5.01  €4.49 
5 Year Fixed Rate New Business - greater than 80% and less than or equal to 90% LTV 4.15%  4.30%  €6.14 €5.36  €4.86 
High Value Mortgages - Loans greater than €250,000
Fixed rates Borrowing rate APRC over 20 years over 25 years over 30 years
3 Year Fixed Rate New Business Home Loan - less than or equal to 60% LTV 3.10% 3.68% €5.60 €4.79 €4.27
3 Year Fixed Rate New Business Home Loan - greater than 60% and less than or equal to 80% LTV 3.20% 3.86% €5.65 €4.85 €4.32
5 Year Fixed Rate New Business Home Loan - less than or equal to 60% LTV 3.20% 3.61% €5.65 €4.85 €4.32
5 Year Fixed Rate New Business Home Loan - greater than 60% and less than or equal to 80% LTV 3.30% 3.77% €5.70 €4.90 €4.38

Note: The fixed rates will mature to the prevailing LTV Managed Variable Rate. The applicable maturity rate will be based on the loan to value at account opening.

Warning: You may have to pay charges if you pay off a fixed-rate loan early.

Home Improvement Loans (Top Up) - Cost per €1,000
  Borrowing rate APRC over 5 yrs over 10 yrs over 15 yrs
Mortgage Top Up Variable Interest Rate 4.50%  4.63%  €18.64 €10.36 €7.65
 Buy to Let Loans (BTL) - LTV Managed Rates - Cost per €1,000
  Borrowing rate APRC over 5 yrs over 10 yrs over 15 yrs
Resident
Variable Rates
LTV less than or equal to 50% 4.80% 5.10% €18.78 €10.51 €7.80
LTV greater than 50% and less than or equal to 60% 4.95% 5.26% €18.85 €10.58 €7.88
LTV greater than 60% and less than or equal to 75% 5.05% 5.36% €18.89 €10.63 €7.93
Fixed Rates
3 Year New Business Fixed Rate less than or equal to 75% LTV 5.30% 5.63%  €19.01  €10.75   €8.07
5 Year New Business Fixed Rate less than or equal to 75% LTV 5.60% 5.95% €19.15 €10.90 €8.22
Non Resident
(Only available to British and Irish citizens who are resident in a Eurozone country, with an income of at least €75,000 that is fully paid in Euro)
Variable Rates
LTV less than or equal to 50% 4.80% 5.10% €18.78 €10.51 €7.80
LTV greater than 50% and less than or equal to 60% 4.95% 5.26% €18.85 €10.58 €7.88
LTV greater than 60% and less than or equal to 70% 5.05% 5.36% €18.89 €10.63 €7.93
Fixed Rates
3 Year New Business Fixed Rate less than or equal to 70% LTV 5.30% 5.63%  €19.01 €10.75  €8.07 
5 Year New Business Fixed Rate less than or equal to 70% LTV 5.60% 5.95%  €19.15 €10.90  €8.22 

Warning: The cost of your monthly repayments may increase.

Warning: If you do not keep up your repayments you may lose your home.

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.

Existing Home Loan Customers - Cost per €1,000
  Borrowing Rate APRC over 20 years over 25 years over 30 years
Standard Variable Rate 4.50% 4.63% €6.33 €5.56 €5.07

Note: This is for information only. The Standard Variable Rate option is available to existing customers only with this option noted in their Terms and Conditions.

Commercial Mortgage Loan for SMEs

  Gross rate over 5 years over 10 years over 15 years
Commercial Mortgage Loan for SMEs 4.50% €18.64 €10.36 €7.64
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