Buying a new home is a really exciting time in your life, but we know your mortgage journey isn’t always straight forward and that’s why we’ll do all we can to support you every step of the way.

Below you will find our mortgage brochure and information on the required documents to start your home buying journey. When it comes to your application, there’s no need to be put off by all the paperwork, it may seem complicated but remember we’re always here to support you. To speak to us about your mortgage journey or should you have any questions or need clarity on any of the below details, please do not hesitate to contact our dedicated mortgage team on 0818 210 585 / 01- 215 1344 between 9am and 5pm Monday to Friday excluding Bank Holidays.

Relevant Documents

This is a list of the standard documentation you need to provide in order to start assessing your mortgage application. We may require further documentation in addition to this list, depending on your personal circumstances, before we can complete your application. We will keep you up to date on any details we may need.

Your employer will need to complete and stamp your Salary Certificate. We use this to validate your income.

This is a list of the permanent tsb mortgage rate options that are currently available. We will provide you with information on each of your options, allowing you to select a rate that will be most suitable for your needs. You can also use our handy mortgage rate selector to find the mortgage rate that is right for you.

This document will help you decide on the rate option that’s best for you. We’re providing a sample for illustrative purposes but an updated version will be provided once you have started your application with your Mortgage Consultant. It will also be provided at key stages throughout your home buying journey including; with your Approval in Principle (AIP) and your Letter of Approval.  

A guide to all the mortgage products we currently offer.

We must provide you with a copy of our Terms of Business before providing you with a service.  This outlines the basis on which permanent tsb provides its regulated activities and includes information such as (but not limited to) the bank's trading name, address and contact number; a summary of our complaints procedure; a summary of our policy in relation to how we will use your personal data. It is important that you take the time to read and become familiar with our Terms of Business.

This document outlines the terms and conditions for all permanent tsb products

This purpose of this document is to summarise clearly the bank’s policy for setting variable mortgage interest rates and the factors that may influence it.

This is a summary of our Data Protection notice. This outlines what data we collect, how we obtain and process your personal data, our legal basis for using your data, sharing your personal data and how long we keep your personal data. It also includes a summary of your rights in relation to your personal data.

This document may be required at a later stage as directed by your Mortgage Consultants.

Already started your mortgage journey?

If you have already started your mortgage application with our mortgage team by phone and have been provided with your application number, you can avail of our document upload facility located here, to provide us with your documentation. Remember we’re always here to support you, please do not hesitate to contact our dedicated mortgage team on 0818 210 585 / 01- 215 1344 between 9am and 5pm Monday to Friday, excluding Bank Holidays.

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.

Warning: The cost of your monthly repayments may increase.

Warning: You may have to pay charges if you pay off a fixed-rate loan early.

Lending criteria, terms & conditions will apply. mortgage approval is subject to assessment of suitability and affordability. Applicants must be aged 18 or over. Security is required and credit agreement will be secured by a mortgage or by a right related to residential immovable property. Life and Home Insurance are also required. 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 3.90% on mortgage of €100,000 is €600.72 for 240 months. Total amount repayable is €144,533.76. If interest rates increase by 1% an additional €53.72 would be payable per month. For this example, Annual Percentage Rate of Charge(APRC) of 4.01% applies and consists of variable borrowing rate of 3.90%, 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. Warning: The cost of your monthly repayments may increase – if you do not keep up repayments you may lose your home. Information correct as of 26/03/2021 but is subject to change.

permanent tsb p.l.c. is regulated by the Central Bank of Ireland

Your Mortgage Journey

For more information on any of our mortgage products, calculators and rates, please visit our mortgage section

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