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Get more from your mortgage

We’ve made a breakthrough with an award-winning mortgage that keeps giving, so you can keep living! Our mortgage gives you 2% cashback at drawdown. And now, you also get 2% cashback on your monthly repayments until 2027, when you pay from an Explore Account.

Use our mortgage calculator to check how much you could borrow, your repayments and what your cashback could be.

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 before 31 December 2018

Excludes tracker portability or negative equity customers (including any additional funds), buy-to-let, equity release or home improvement mortgage loans, and applicants who have drawn down any of their funds before 11 January 2016.

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 between 26 August 2017 and 31 December 2018

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 €4 monthly maintenance fee. Unpaid items 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 1, 2, 3, and 5 years
  • Lower fixed rate for mortgages of €250,000 or more
  • Prefer a variable rate? Choose from one of our 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 Brochure (pdf, 908KB) for more information.  

Help and Guidance

  • We’re here to support you every step of the way. Check out our mortgage guide (pdf, 1.3MB) for help with buying your new home. The guide contains information on the mortgage application process as well as other useful facts and information.
  • Unsure what all those technical terms mean? Check out our handy jargon buster.
  • Have a question you need answered? Check out our list of frequently asked questions
  • 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.
  • Becoming a homeowner for the first time doesn’t happen overnight. That’s why permanent tsb is here to help you achieve your savings goals. For ways on how to save for your first home, check out our range of savings and deposit products.

What else do I need to know?

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 2018) 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 27 March 2018 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.

Mortgage Calculator

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

Home Insurance

There’s never been a better time to switch to permanent tsb with our All Around Protection policy. Switch today.

Life Insurance

We have a range of Life Insurance options to protect your income for you and your family.

Help and Support

Need help? Our Help and Support section is full of useful information.

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