Turn your dreams into a reality at the permanent tsb Ideal Home Show in the RDS, Dublin, from Friday 01 to Sunday 03 April 2022. Join us at Ireland’s largest home show event that brings together a huge range of exhibitors to help you create your ideal home.
Our team will be on hand all weekend at stand N50, to help with anything you need on your journey to your dream home. So, whether you’re renovating, buying a new home or even building, you can chat to the friendly and helpful experts who are ready to guide you every step of the way.
We’re offering permanent tsb customers FREE entry into the show! Simply show your permanent tsb Visa Debit or Credit Card at the door to get FREE fast-track entry for one person on any day of your choice or get free entry with our promo codes here.
When you’re looking for your first home it can seem like a complex and stressful process, but don’t worry, we are ready to take you through all the details and explain anything you are unsure of so that you can focus on finding your perfect home.
permanent tsb was awarded the ‘Best First Time Buyer Mortgage’ at the 2022 Bonkers.ie National Consumer Awards, for the fourth year in a row. So not only will you have experts on hand to support you throughout the weekend, but with permanent tsb’s award winning Mortgage you can also get Mortgage Credit Approval in 72 Hours*, Cashback, Flexible Repayment Options and Competitive Rates if you’re a first-time buyer, a mover, a self-builder or a switcher. Wherever you are in your home buying journey, permanent tsb is there to support you.
Once you’ve completed and submitted your Mortgage application, we’ll be working hard to get you Mortgage Credit Approval in 72 Hours, meaning you can leave your application with us and you can get going on the rest of the items on your to do list, like starting to look for your new home.
72 hours starts once your application is completed and submitted for credit assessment during business hours. Excludes weekends. If any documentation is missing or additional information is required to reach a credit decision, we will notify you which may impact the decision time.
We’ve lowered our Mortgage rates for both new and existing customers, meaning you’ll have lower monthly repayments and see real savings on your Mortgage and with our new 4 year fixed rate offer you can avail of our lower rates.
Depending on your preference, you can decide to fix your payments each month so you know exactly what you are paying or opt for a variable repayment option. You can also get flexible options and competitive rates, if you’re a first-time buyer, a mover, a self-builder or a switcher; it’s the Mortgage that keeps giving, so you can keep living.
To help get you started in your new home, our awards-winning cashback Mortgage gives you 2% cashback at drawdown and 2% cashback on your repayments until 2027, when you pay from an Explore Account*. So wherever you are on your home buying journey, we’re here to support you along the way.
*2% cashback at drawdown will be paid on the amount of the mortgage advanced. 2% cashback at drawdown is paid into the customer’s mortgage paying account (which does not need to be a permanent tsb account) within 40 working days of mortgage drawdown. The qualifying period (11 January 2016 until 31 December 2021) may be extended as permanent tsb decides. 2% cashback at drawdown excludes 4 Year Fixed Home Loan New Business Rates, tracker, buy-to-let, negative equity and applicants refinancing an existing permanent tsb mortgage.
2% cashback monthly will be paid until 31/12/2027. Your monthly mortgage repayment must be made from a permanent tsb Explore Account and meet qualifying criteria. Only mortgage payments made by Direct Debit or Internal Standing Order from an Explore Account will get the 2% cashback monthly. The Explore Account carries a €6 monthly fee for maintaining the account. Any items that are returned unpaid (including Direct Debits and Standing Orders) will incur the appropriate unpaid item charge and other charges may apply. eStatements only. If any changes to the billed monthly mortgage repayment are made they must be agreed by both you and permanent tsb to be eligible for the cashback monthly offer.
Certain flexible mortgage repayment options can only be used one at a time and may result in additional interest costs over the term of the loan. Full details available on here on our website, in branch or over the phone.
We know that you can get so excited about your plans that it can be hard to get them finished. So whether it’s creating more space for the kids or setting up the home office of your dreams, the permanent tsb team will be on hand to help you finish what you started with home improvement loans up to €75,000. With competitive lending rates available and terms to suit your needs, we will be ready to chat though any of your questions and can even start your application at the stand. If you already bank with us, you can apply online at open24.ie or on the permanent tsb app and you could get loan approval in minutes and your loan into your account instantly, for loans up to €25,000.
*Approval in minutes applies to permanent tsb Current Account salary mandated customers who are approved loans up to €25,000. Customers must apply in-app or on Open24.ie and be registered for Open24 online banking. In-app loans need to have downloaded our mobile app. Data charges may be incurred for use of app. Online and in-app loans can only be taken out in your sole name, and can only be drawn down and paid back from a permanent tsb Current Account. Customers may have to upload their PPSN document (for example, Notice of Tax Credit), through the desktop or app. Loans from €1,500 to €75,000 can be applied for in-app or on Open24.ie; for loan amounts greater than €25,000 and up to €75,000 we will call you back to discuss. Branch applications from €1,500 up to €75,000 can be approved and drawn down, Monday to Friday 10am to 5pm, or drawn down through Open24.ie or in-app if a sole application.
At the permanent tsb Centre we’ll be able to provide Mortgage and Home Improvement Loan Approval in Principle in just 15 minutes. So if you’re looking to buy your first home, or revamp your current place, make sure to visit us at stand N50.
Approval in Principle outlines how much we could lend you and is based on the information you provide us in a 15-minute, informal financial chat with a member of our team. While it's not legally binding, it’ll give you a good indication of how much we could lend you.
Not sure what to bring for your Approval in Principle? Take a look here.
So, whether you’re a home buyer, improver or anyone in between, come by and meet the permanent tsb team at stand N50 over an exciting and jam packed weekend at the permanent tsb Ideal Home Show.
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.
Warning: The cost of your monthly repayments may increase.
Warning: You may have to pay charges if you pay off a fixed-rate loan early.
Mortgage Terms and Conditions:
*Lending criteria, terms & conditions will apply. Mortgage approval is subject to assessment of suitability and affordability. Applicants must be aged 18 or over. Security is required and credit agreement will be secured by a mortgage or by a right related to residential immovable property. Life and Home Insurance are also required. For First Time Buyers, a maximum Loan to Value (LTV) of 90% will apply to a property’s purchase price. For Second Time Buyers a maximum LTV of 80% will apply. The maximum LTV for customers who hold their current mortgage with another bank but wish to switch their mortgage to permanent tsb while also releasing equity is 85%. Maximum loan amount will typically not exceed 3.5 times an individual’s gross annual income.
The monthly repayment on a 20 year mortgage with Loan to Value (LTV) greater than 80% with variable borrowing rate of 3.90% on mortgage of €100,000 is €600.72 for 240 months. Total amount repayable is €144,533.76. If interest rates increase by 1% an additional €53.72 would be payable per month. For this example, Annual Percentage Rate of Charge(APRC) of 4.01% applies and consists of variable borrowing rate of 3.90%, valuation fee of €150, Property Registration Authority (PRA) fee of €175, and security vacate fee of €35. Please note –this APRC does not factor in the €6 monthly fee for maintaining the Explore Account. Warning: The cost of your monthly repayments may increase – if you do not keep up repayments you may lose your home. Information correct as of 07/12/2020 but is subject to change.
Home improvement loan Terms and Conditions:
*Into your account instantly and approval in minutes applies to permanent tsb current account salary mandated customers who are approved loans up to €25,000. Customers must apply online or in-app and be registered for Open24 Online Banking. Customers may have to upload their PPSN document (for example, Notice of Tax Credit) through the desktop or app. In-app loans need to have downloaded our mobile app. Data charges may be incurred for use of app. Online and in-app loans can only be taken out in your sole name, and can only be drawn down and paid back from a permanent tsb Current Account. Loans greater than €25,000 and up to €75,000 can be applied for online and we will call you back to discuss. Branch applications up to €75,000 can be approved and drawn down, Monday to Friday 10am to 5pm, or drawn down through Open24.ie or in-app.
permanent tsb p.l.c. is regulated by the Central Bank of Ireland.