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 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 journey!

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

Excludes buy-to-let mortgages.

To get the 2% cashback monthly offer you must have or open an Explore Account and have your mortgage paid from this account. Only mortgage payments made by Direct Debit or Internal Standing Order from an Explore Account will get the 2% cashback monthly. Your cashback will be paid directly into your Explore Account, or other permitted permanent tsb account, at the start of each month.

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.

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

Competitive rates

  • Competitive fixed rates over 2, 3, 5 and 7 years
  • Lower fixed rates for mortgages of €250,000 or more
  • Prefer a variable rate? Choose from one of our discounted managed variable rates instead (MVRs)

See here for our full list of fixed rates and managed variable rates.

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.

Flexible repayment options

We understand you want flexibility when paying back your mortgage. That’s why we offer a choice of flexible repayment options that could make your mortgage easier to manage.

  • Payment Holiday options – choose from two Payment Holiday options
  • Overpayment options – make regular overpayments or lump sum payments on your mortgage to reduce the term and the amount of interest you pay
  • Payment Date option – choose your preferred mortgage payment date

See our Flexible Mortgage Repayment Options page for more information or download our brochure here.  

What else do I need to know?

The above information is valid as at today's date.

 

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.

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 is paid until 31 December 2027. Payments must be made by Direct Debit or Internal Standing Order from an Explore Account. The following payments do not qualify for cashback: cash, cheque, bank draft, electronic funds transfer, debit/credit card, manual Direct Debits, Standing Orders set up by the customer, lump sum payments, and returned or arrears payments. 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.

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

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.

Mobile Mortgage Manager

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

Understanding the jargon


LTV

Loan to Value (LTV) is the amount you can borrow from us relative to the value of the property you're buying. 


LTI

Loan to Income (LTI) is the maximum amount a customer can borrow based on a multiple of their gross income.

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 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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