Mortgage Interest Rates

New Business

The interest rate on an existing permanent tsb loan may vary from the rates quoted on this page. APRC stands for Annual Percentage Rate of Charge. LTV stands for Loan to Value. The quoted APRC is a typical APRC based on an assumed loan of €100,000 over a 20 year term.

Annual Percentage Rate of Charge (APRC) is calculated for new business fixed rates using the equivalent Managed Variable Rate (MVR) as the applicable rate following the fixed rate period.

Learn more about how we set variable rates for mortgages by downloading our policy summary (pdf, 115KB).

 

Fixed rates	Borrowing rate	APRC	Cost per €1,000 over 20 yrs	Cost per €1,000 over 25 yrs	Cost per €1,000 over 30 yrs
2 Year Fixed Rate New Business - less than or equal to 60% LTV	3.10%	3.67%	€5.60	€4.79	€4.27
2 Year Fixed Rate New Business - greater than 60% and less than or equal to 80% LTV	3.10%	3.79%	€5.60	€4.79	€4.27
2 Year Fixed Rate New Business - greater than 80% and less than or equal to 90% LTV	3.10%	3.84%	€5.60	€4.79	€4.27
3 Year Fixed Rate New Business - less than or equal to 60% LTV	2.95%	3.57%	€5.52	€4.72	€4.19
3 Year Fixed Rate New Business - greater than 60% and less than or equal to 80% LTV	2.95%	3.67%	€5.52	€4.72	€4.19
3 Year Fixed Rate New Business - greater than 80% and less than or equal to 90% LTV	2.95%	3.71%	€5.52	€4.72	€4.19
4 Year Fixed Rate New Business – less than or equal to 60% LTV*	2.25%	3.22%	€5.18	€4.36	€3.82
4 Year Fixed Rate New Business - greater than 60% and less than or equal to 80% LTV*	2.25%	3.32%	€5.18	€4.36	€3.82
4 Year Fixed Rate New Business - greater than 80% and less than or equal to 90% LTV*	2.55%	3.47%	€5.32	€4.51	€3.98
5 Year Fixed Rate New Business - less than or equal to 60% LTV	3.00%	3.46%	€5.55	€4.74	€4.22
5 Year Fixed Rate New Business - greater than 60% and less than or equal to 80% LTV	3.00%	3.54%	€5.55	€4.74	€4.22
5 Year Fixed Rate New Business - greater than 80% and less than or equal to 90% LTV	3.00%	3.57%	€5.55	€4.74	€4.22
7 Year Fixed Rate New Business - less than or equal to 60% LTV	3.00%	3.36%	€5.55	€4.74	€4.22
7 Year Fixed Rate New Business - greater than 60% and less than or equal to 80% LTV	3.00%	3.42%	€5.55	€4.74	€4.22
7 Year Fixed Rate New Business - greater than 80% and less than or equal to 90% LTV	3.00%	3.44%	€5.55	€4.74	€4.22

*2% cashback at drawdown will be paid on the full amount of a mortgage advanced. Offer applies to New Business Home Loan Mortgage Rates only, excludes 4 Year Fixed Home Loan New Business Rates.

High Value Mortgages - Loans greater than €250,000

Fixed rates	Borrowing rate	APRC	Cost per €1,000 over 20 years	Cost per €1,000 over 25 years	Cost per €1,000 over 30 years
3 Year Fixed Rate New Business Home Loan - less than or equal to 60% LTV	2.50%	3.43%	€5.30	€4.49	€3.95
3 Year Fixed Rate New Business Home Loan - greater than 60% and less than or equal to 80% LTV	2.50%	3.53%	€5.30	€4.49	€3.95
3 Year Fixed Rate New Business Home Loan - greater than 80% and less than or equal to 90% LTV	2.80%	3.66%	€5.45	€4.64	€4.11
5 Year Fixed Rate New Business Home Loan - less than or equal to 60% LTV	2.55%	3.25%	€5.32	€4.51	€3.98
5 Year Fixed Rate New Business Home Loan - greater than 60% and less than or equal to 80% LTV	2.55%	3.33%	€5.32	€4.51	€3.98
5 Year Fixed Rate New Business Home Loan - greater than 80% and less than or equal to 90% LTV	2.85%	3.50%	€5.47	€4.66	€4.14

Note: The fixed rates will mature to the prevailing LTV Managed Variable Rate. The applicable maturity rate will be based on the loan to value at account opening.

Home loans 

Variable rates	Borrowing rate	APRC	Cost per €1,000 over 20 yrs	Cost per €1,000 over 25 yrs	Cost per €1,000 over 30 yrs
12 Month Discounted Managed Variable Rates (MVRs) The discounted rate will apply for a period of 1 year from the date of loan issue, but may change within the 1 year discount period (and/or at any time prior to drawdown of the loan). After 1 year your discounted mortgage rate will revert to one of our managed variable rates in line with your LTV at the time of loan issue (this will be 0.50% higher than your discount rate)”).
LTV less than or equal to 50%	3.10%	3.64%	€5.60	€4.79	€4.27
LTV greater than 50% and less than or equal to 60%	3.20%	3.75%	€5.65	€4.85	€4.32
LTV greater than 60% and less than or equal to 70%	3.30%	3.85%	€5.70	€4.90	€4.38
LTV greater than 70% and less than or equal to 80%	3.35%	3.90%	€5.72	€4.93	€4.41
LTV greater than 80% and less than or equal to 90%	3.40%	3.95%	€5.75	€4.95	€4.43

Home Improvement Loans (Top Up)

	Borrowing rate	APRC	Cost per €1,000 over 5 years	Cost per €1,000 over 10 years	Cost per €1,000 over 15 years
Mortgage Top Up Variable Interest Rate	3.95%	4.04%	€18.39	€10.10	€7.37

Buy to Let Loans (BTL) - LTV Managed Rates

	Borrowing rate	APRC	Cost per €1,000 over 5 yrs	Cost per €1,000 over 10 yrs	Cost per €1,000 over 15 yrs
Resident
Variable Rates
LTV less than or equal to 50%	4.80%	5.10%	€18.78	€10.51	€7.80
LTV greater than 50% and less than or equal to 60%	4.95%	5.26%	€18.85	€10.58	€7.88
LTV greater than 60% and less than or equal to 75%	5.05%	5.37%	€18.89	€10.63	€7.93
Fixed Rates
3 Year New Business Fixed Rate less than or equal to 70% LTV	4.65%	5.23%	€18.71	€10.44	€7.73
5 Year New Business Fixed Rate less than or equal to 70% LTV	4.85%	5.26%	€18.80	€10.53	€7.83
Non Resident (Available to Irish and British citizens who are resident in any Eurozone country (a European Union Member State which uses the Euro as its national currency) who are earning more than €75,000 and earn all of their income in Euro, either individually or jointly)
Variable Rates
LTV less than or equal to 50%	4.80%	5.10%	€18.78	€10.51	€7.80
LTV greater than 50% and less than or equal to 60%	4.95%	5.26%	€18.85	€10.58	€7.88
LTV greater than 60% and less than or equal to 70%	5.05%	5.37%	€18.89	€10.63	€7.93
Fixed Rates
3 Year New Business Fixed Rate less than or equal to 70% LTV	4.65%	5.23%	€18.71	€10.44	€7.73
5 Year New Business Fixed Rate less than or equal to 70% LTV	4.85%	5.26%	€18.80	€10.53	€7.83

Note: The fixed rates will mature to the prevailing LTV Managed Variable Rate. The applicable maturity rate will be based on the loan to value at account opening.

Existing Home Loan Customers

	Borrowing Rate	APRC	Cost per €1,000 over 20 years	Cost per €1,000 over 25 years	Cost per €1,000 over 30 years
Standard Variable Rate	3.95%	4.02%	€6.03	€5.25	€4.75
2 Year Fixed Rate Home Loan for Existing Business	3.10%	3.84%	€5.60	€4.79	€4.27
3 Year Fixed Rate Home Loan for Existing Business	2.95%	3.71%	€5.52	€4.72	€4.19
5 Year Fixed Rate Home Loan for Existing Business	3.00%	3.56%	€5.55	€4.74	€4.22
7 Year Fixed Rate Home Loan for Existing Business	3.00%	3.42%	€5.55	€4.74	€4.22
LTV Managed Variable Rates
LTV less than or equal to 50%	3.60%	3.66%	€5.85	€5.06	€4.55
LTV greater than 50% and less than or equal to 60%	3.70%	3.77%	€5.90	€5.11	€4.60
LTV greater than 60% and less than or equal to 70%	3.80%	3.87%	€5.95	€5.17	€4.66
LTV greater than 70% and less than or equal to 80%	3.85%	3.92%	€5.98	€5.20	€4.69
LTV greater than 80% and less than or equal to 90%	3.90%	3.97%	€6.01	€5.22	€4.72
LTV greater than 90% (available to existing permanent tsb mortgage customers only)	3.95%	4.02%	€6.03	€5.25	€4.75

Note: The fixed rates will mature to the prevailing LTV Managed Variable Rate. The applicable maturity rate will be based on the loan to value at account opening.

Annual Percentage Rate of Charge (APRC) is calculated for existing business fixed rates using the Standard Variable Rate (SVR) as the applicable rate following the fixed rate period.

Note: This is for information only. The Standard Variable Rate option is available to existing customers only with this option noted in their terms and conditions.

Existing Buy To Let (BTL) Customers'

	Borrowing rate	APRC	Cost per €1,000 over 5 yrs	Cost per €1,000 over 10 yrs	Cost per €1,000 over 15 yrs
Resident
Variable Rates
LTV less than or equal to 50%	4.80%	5.10%	€18.78	€10.51	€7.80
LTV greater than 50% and less than or equal to 60%	4.95%	5.26%	€18.85	€10.58	€7.88
LTV greater than 60% and less than or equal to 75%	5.05%	5.37%	€18.89	€10.63	€7.93
Non Resident (Available to Irish and British citizens who are resident in any Eurozone country (a European Union Member State which uses the Euro as its national currency) who are earning more than €75,000 and earn all of their income in Euro, either individually or jointly)
Variable Rates
LTV less than or equal to 50%	4.80%	5.10%	€18.78	€10.51	€7.80
LTV greater than 50% and less than or equal to 60%	4.95%	5.26%	€18.85	€10.58	€7.88
LTV greater than 60% and less than or equal to 70%	5.05%	5.37%	€18.89	€10.63	€7.93

Commercial Mortgage Loan for SMEs

	Gross rate	Cost per €1,000 over 5 years	Cost per €1,000 over 10 years	Cost per €1,000 over 15 years
Commercial Mortgage Loan for SMEs	4.50%	€18.64	€10.36	€7.65