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Get more from your mortgage

If you’ve decided it’s time to move then it’s time to talk to us.

And with permanent tsb you’ll get more from your mortgage! We’ll give you 2% cashback at drawdown and now 2% cashback on your monthly mortgage repayments until 2027, when you pay from an Explore Account. Simply put, we keep giving so you can keep living!

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 on or before 31 December 2021

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 2021

Competitive rates

  • Competitive fixed rates over 2, 3, 5 and 7 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 after you’ve moved into your new home.

  • 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.  

Help and Guidance

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 2021) 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.

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.

Information correct as of 07 December 2020 but is subject to change.

Home insurance is arranged by permanent tsb p.l.c. and underwritten by Allianz p.l.c.. permanent tsb is appointed as a single Agency Intermediary of Allianz plc for Home insurance. Allianz plc is regulated by the Central Bank of Ireland.

How much can you borrow?

Check out what your mortgage and repayments could look like!

First time buyer?
Visit First Time Buyers

Application type

Applicant 1 details

Marital status


Annual income

Existing monthly loans & commitments that will remain once the mortgage is drawn

Total number of dependents

Term Term The minimum term is 5 years and the maximum term is 35 years for persons who are 35 years old. Close

Please fill in all the fields above to get started!

Based on the details provided, you could avail of a mortgage of up to:


Minimum deposit of €0
Property value of €0

2% cashback drawndown:


2% cashback monthly


this adds up to:



Repayments of:


per month

Unfortunately, based on the above inputs, we cannot provide a mortgage estimate. For further help with your mortgage enquiry, please contact our mortgage specialists at Open 24.

Please fill the required fields above.

Important information & assumptions
  • Repayments are based on a three year fixed rate of 3.25% (3.87% APRC) and an LTV of 80%. After year three, LTV variable rate of 4.00% applies.
  • APRC stands for Annual Percentage Rate of Charge.
  • *Your mortgage must be paid from an Explore Account to get the 2% cashback monthly offer.
  • This is not an offer of a mortgage loan. It is not legally binding and is for illustrative purposes only.
  • Mortgage applications are subject to our lending criteria, terms and conditions, and an assessment of suitability and affordability.
  • This calculator is for principal private dwellings and excludes Buy to Let properties.
  • Upon mortgage drawdown, 2% of the value will be paid directly into the customer’s mortgage paying account within 40 working days of drawdown.
  • Stage payment mortgages will receive 2% of the amount drawn at each staged payment.
Life Insurance

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

Home Insurance

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

Help and Support

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

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