Start your journey home with us today

Wherever you are on your home buying journey, we’re here to support you along the way.

Find out more about our award-winning cashback mortgage which gives you 2% cashback at drawdown and 2% cashback on your monthly repayments until 2027, when you pay from an Explore Account.

Whatever your mortgage needs, we have a range of competitive mortgage rates so you can choose the rate that’s right for you and we offer flexible repayment options which could make your mortgage easier to manage.

We’re here to support you on your mortgage journey and can meet you safely in branch or have a quick chat over the phone. Just book an appointment today and our team will call you back to discuss your mortgage needs!

Book an appointment Call 1890 500 156

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 December 2020

Excludes tracker, buy-to-let, negative equity and applicants refinancing an existing permanent tsb mortgage.

And 2% cashback monthly

  • Get 2% of your monthly mortgage repayment back in cash every month until 31 December 2027, when you pay from an Explore Account
  • Cashback is paid directly into your account on the first working day of the month following your repayment
  • Spend it straight away or watch it add up over a year or longer; it’s up to you
  • 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 December 2020

What else do I need to know?

  • Competitive Rates – We’re here to support you with a range of competitive fixed and variable rates. We offer a range of competitive fixed rates over 1, 2, 3, 5 and 7 years with lower fixed rates for mortgages of €250,000 or more. Our Mortgage Rate Selector can help you find the rate that’s right for you or we can take you through the different options during your mortgage appointment.
  • Flexible Repayment Options - We understand you want flexibility when paying back your mortgage. That’s why we offer a choice of flexible repayment options including Payment Holiday options, Overpayment options and allow you to choose your preferred payment date to help make your mortgage easier to manage. See our Flexible Mortgage Repayment Options page for more information or download our brochure here.  

The above information is valid as 05 October 2020

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 2020) may be extended as permanent tsb decides.

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.

If either the Explore Account or the Mortgage is terminated for any reason then the monthly cashback will cease. Permanent tsb 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 permanent tsb.

Information correct as of 23 November 2019 but is subject to change.

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 and conditions apply. Mortgage approval is subject to assessment of suitability and affordability. Applicants must be aged 18 or over. Security and home and life insurance are required. Rates available to new and existing home mortgage customers only. Maximum loan to value is 90%.

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 4.20% on a mortgage of €100,000 is €616.57 for 240 months. Total amount repayable is €148,336.98. If interest rates increases by 1% an additional €54.48 would be payable per month. For this example, Annual Percentage Rate of Charge (APRC) of 4.32% applies and consists of variable borrowing rate of 4.20%, 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. Information correct as of 23/11/2019 but is subject to change. permanent tsb plc. is regulated by the Central Bank of Ireland.

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.

Changing the repayment date may result in additional interest charged to take account of daily interest accumulated between the previous and new repayment dates. Full details available here on our website, in branch or over the phone.

'Skip a maximum of 2 monthly mortgage repayments each year. The monthly repayments due over the remaining 10 or 11 months of the year will be increased to take account of the amount(s) not paid. To qualify loan must be paid by Direct Debit or Standing Order from a permanent tsb account. Full details available here on our website, in branch or over the phone.

Warning: You may have to pay charges if you pay off a fixed-rate loan early.

Warning: The cost of your monthly repayments may increase.

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.

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.

Mobile Mortgage Manager

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

First Time Buyers FAQs

Have some questions regarding your mortgage as a first time buyer? We've got the answers.

Check out our blog

For more helpful tips on your home buying journey, head over to our blog.

Mortgage Documents

Find out all the required documents you’ll need for your application.

Back to top
Page loading

Alternate Text