We understand life is busy. That’s why we have experienced Mobile Mortgage Managers who can come to you to help and support you on your mortgage journey every step of the way.
Our Mobile Mortgage Managers will come to you wherever suits, and at a time convenient to you.
Our Mobile Managers are happy to chat to you about the following:
Start your journey home with our award winning mortgage offer
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.
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!
2% cashback at drawdown
Excludes tracker, buy-to-let, negative equity and applicants refinancing an existing permanent tsb mortgage.
And 2% cashback monthly
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.
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.
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.
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.