How to apply

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.

For your application you will need these documents
  • ID, Proof of Address and PPSN
  • Signed and stamped salary certificate (pdf, 168KB)
  • Your P60 and 2 of your last 3 payslips
  • 3 months up to date personal current account statements
Find out all the details on our new mortgage offer

Mobile Mortgage Manager

We understand your everyday lives are busy so let us come to you when it suits!

Mortgage frequently asked questions

How do I start the application process?

There are a number of easy ways to begin your application:

What documents will I need?

There are various documents you’ll need to complete during the application process. Read the full list of documents required here.

What are lenders’ normal lending criteria for a mortgage?

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:

  • A good credit history
  • Being aged 18 or over
  • Age not greater than 70 at the end of the mortgage term
  • Ability to repay - as a guide mortgage repayments on all loans including your mortgage should not exceed 35% of your net income
  • Secure employment
  • Continuous employment for two years
  • Good account management

In all cases the primary focus is on your repayment capacity.

How much of a deposit do I need?

Central bank deposit rules require a 10% deposit for first time buyers. So if the value of your property 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.

What’s the maximum amount I can borrow?

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.

How much will my repayments be?

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.

Help and Guidance

Mortgage Guide

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.

Jargon Buster

Unsure what all those technical terms mean? Check out our handy mortgage jargon buster.

Required Documents

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.

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