Important information & assumptions

• Repayments are based on a three year fixed high value rate of 4.90% (APRC 4.91%) of €100,000 over 20 years. After year three, your fixed rate will mature to the prevailing Managed Variable Rate unless an alternative fixed rate is selected.
• APRC stands for Annual Percentage Rate of Charge
• This is not an offer of a mortgage loan. It is not legally binding and is for illustrative purposes only
• Mortgage applications are subject to our lending criteria, terms and conditions, and an assessment of suitability and affordability. 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.
• This calculator is for principal private dwellings and excludes Buy to Let properties

2% cashback at drawdown

• Get 2% of the value of your mortgage back in cash   
• Cashback paid within 40 working days of mortgage drawdown
• Offer available to both our variable and fixed rate customers
• Offer available to qualifying applicants who receive their full mortgage Letter of Approval on or before 31 March 2025

Excludes 4 Year Fixed Home Loan New Business Rates, tracker, buy-to-let, negative equity and applicants refinancing an existing PTSB mortgage.

2% cashback monthly

• *Your mortgage must be paid from an Explore Account to get the 2% cashback monthly offer.
• Get 2% of your monthly mortgage repayment back in cash every month until 31 December 2030
• Cashback is paid directly into your account on the first working day of the month following your repayment
• Offer available to both our variable and fixed rate customers
• Offer available to qualifying applicants who receive their full mortgage Letter of Approval between 26 August 2017 and 31 March 2025
• Find out more by visiting our Important Mortgage Regulatory Information Page

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 PTSB account) within 40 working days of mortgage drawdown. The qualifying period (11 January 2016 until 31 March 2025) may be extended as PTSB 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 PTSB mortgage.

2% cashback monthly will be paid until 31/12/2030. Your monthly mortgage repayment must be made from a PTSB 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 €8 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 PTSB to be eligible for the cashback monthly offer.

If either the Explore Account or the Mortgage is terminated for any reason then the monthly cashback will cease. PTSB retains the right to close the Explore Account as per the General Terms & Conditions. Offer applies to home loans only i.e. excludes buy-to-lets. It should be noted that any change in use of the property from personal use to letting could have tax implications for you.

See here for more information about the unique benefits of the Explore Account from PTSB.

Information correct as of 22/03/2024 but is subject to change.

permanent tsb plc. is regulated by the Central Bank of Ireland.

permanent tsb p.l.c. is regulated by the Central Bank of Ireland.