There’s never been a better time to switch to permanent tsb. We make switching as simple and straightforward as possible. When you switch to us you’ll get 2% cashback on your mortgage at drawdown. And now, you also get 2% cashback on your monthly repayments until 2027, when you pay from an Explore Account. Simply put, we keep giving, so you can keep living!
If that’s not enough we also offer a range of competitive fixed and variable rates as well as a choice of flexible repayment options.
Start the switch by booking an appointment with one of our experienced mortgage consultants in one of our branches nationwide today. If that doesn’t suit, one of our mobile mortgage managers can even come to you.
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.
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 fee for maintaining the account, effective from 1 August 2019 this fee will increase to €6. 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.
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.
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 switched to permanent tsb.
See our Flexible Mortgage Repayment Options Brochure (pdf, 998KB) for more information.
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 2019) 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 27 March 2019 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.
There’s never been a better time to switch to permanent tsb with our All Around Protection policy. Switch today.
We have a range of Life Insurance options to protect your income for you and your family.
Need help? Our Help and Support section is full of useful information.