When it comes to your application, there’s no need to be put off by all the paperwork. It may seem complicated, but remember, we’re always here to help.
You can apply for a mortgage in any permanent tsb branch or we can arrange for one of our Mortgage Consultants to come to you. We will talk you through the details of your application and discuss all your options.
There are a number of easy ways to begin your application:
There are various documents you’ll need to complete during the application process. Read the full list of documents required here.
Every lender will look at various criteria before deciding whether to approve a mortgage. Some of the main factors that are taken into account are:
In all cases the primary focus is on your repayment capacity.
Central bank deposit rules require a 10% deposit for first time buyers. So if your mortgage amount is €300,000, you’d need a deposit of €30,000.
We’ve a range of deposits and savings account options to help you save for your deposit. Call into your local branch or take a look at what savings and deposits options we have available.
The maximum amount you can borrow depends on several factors such as your income and your capacity to repay your loan. For a guideline on how much you could potentially borrow check out our online Mortgage Calculator.
Your repayments will depend on how much you borrow, the term or length of your mortgage as well as the interest rate that you’re charged. See our handy online Mortgage Calculator for an indication of how much your monthly repayments might be.
We’re here to support you every step of the way. Check out our mortgage guide (pdf, 1.12MB) for help with buying your new home.
Unsure what all those technical terms mean? Check out our handy mortgage jargon buster.
Any mortgage application requires a bit of documentation. Here's a list of the main documents you’ll need to have when applying for your first mortgage.