Start your journey home with us today

Wherever you are in your home buying journey, we’re here to support you every step of the way. We know that buying your first home is a big decision and the mortgage process can seem overwhelming. That’s why we break down the mortgage journey for you so you can understand the different steps and the support available to you along the way from our dedicated mortgage team.

Saving for a deposit

As a First Time Buyer you will need a deposit of at least 10% of the house price.

  • Get into the habit of saving a regular amount to demonstrate your repayment ability
  • Through paying rent and saving the equivalent of your monthly mortgage repayment amount, you can show us that you can pay your proposed mortgage repayment

Use our Mortgage Calculator to check how much you could borrow and how much your monthly repayments would be.

Searching for your first home

Before you start the process of searching for your first home, chat to one of our mortgage consultants who can give you an idea of how much you can borrow. Book a mortgage appointment today and we’ll guide you through the process and prepare you for your search.

  • Understand how much you could borrow before you start the search
  • Look at some properties to get an idea of the cost of the home that you want
  • Find out what documents you need and we can prepare you for your application.

Applying for a Mortgage

We’re here to support you with your mortgage application every step of the way.

  • When you’re ready to apply, you will need to provide the documentation outlined here along with your application. Allow 1-2 weeks to gather all the required documentation. Should you require any help with these documents, our mortgage team will guide you through the process during your appointment and talk you through every step of the paperwork. When we receive your application, we will let you know if any documentation is missing or if we require any further information.
  • Once we’ve reviewed and submitted your completed application, we can give you Mortgage Credit Approval in 72 hours.

Find your home

Once the search for your first home is done, and you’ve found the perfect one for you, let us know.

  • You then need to get your new home valued. Once you submit the valuation, we will issue your Letter of Approval and all the loan information to your solicitor.
  • You will need to arrange Life Insurance and Home Insurance. We can help you with this or you can obtain a policy from another provider if you prefer
  • Once you sign the documents with your solicitor they will arrange a completion date with the house seller and we will transfer the funds and you can then collect the keys to 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.

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 and Second Time Buyers a maximum Loan to Value (LTV) of 90% will apply to a property’s purchase price. 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 4 times an individual’s gross income for First time Buyers & 3.5 times an individual’s gross income for Second time Buyers.

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 01/01/2023 but is subject to change.

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

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, a hire- purchase agreement, a consumer-hire agreement or a BNPL agreement 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.

Start your journey home with us today

Wherever you are on your home buying journey, we’re here to support you. Book a mortgage appointment today and we’ll guide you through the process.

Ulster Bank Mortgage Customers

Here you will find details on the transfer of your Fixed or Variable Rate Mortgage, including helpful contacts, action needed and FAQs.

Mobile Mortgage Manager

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

Interest Rates

We have a range of competitive fixed and variable mortgage rates, find out more about the options available to you.

Variable rate mortgage policy

Learn more about how we set our variable mortgage interest rates in our variable rate policy statement

Find out all the details on our new mortgage offer

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