Rates effective from start of business 27^th May 2023.

The estimated calculations and savings shown, are based on the information given and does not consider, for example, that you may have to pay a breakage fee with your current mortgage provider, or take into consideration additional costs such as legal fees. If you have a tracker rate with your existing mortgage provider, you will not be able to keep the rate when you switch to us. New Business fixed rates mature to the prevailing Managed Variable Rate based on the loan to value at account opening, however there are also fixed rate options that are currently available to existing home loan customers as an alternative to Managed Variable Rates.

**Offer available to new applicants who receive full letter of approval from permanent tsb up to 31/03/2024. 2% cashback at drawdown will be paid on the amount of the mortgage advanced. Excludes tracker, buy-to-let, negative equity and applicants refinancing an existing permanent tsb mortgage. 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. 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. 2% cashback monthly offer applies to home loans only (i.e. excludes buy-to-let).

Our Switcher Overview

We make switching as straight forward as possible and we offer a range of options so you have control when you want to get in touch.

There are 7 key steps that involve your solicitor when you are switching your mortgage. From requesting deeds, to registering your new mortgage to permanent tsb with the Property Registration Authority. All the little details are here in our handy Switcher guide. You can apply online or book an appointment and our dedicated team can talk through the different options available to you.

Our 4 Year Fixed Rate Offer

There’s never been a better time to switch your mortgage to permanent tsb, you can get a competitive 4 year fixed interest rate with rates starting as low as 3.90%, meaning you’ll have lower monthly repayments and see real savings on your mortgage. With this fixed rate offer we’ll give you 2% cashback on your monthly mortgage repayments every month until 2027 when you pay from an Explore Account.

Whatever your needs, we have a range of competitive mortgage rates and a choice of mortgage offers, so you can choose the mortgage that best suits your lifestyle. Call our dedicated team today on 0818 837 400 who can talk you through the different rate options available to you.

*Rate of 3.90% is based on a Loan To Value(LTV) of ≤60%. After year four, the fixed rate will mature to the prevailing Managed Variable Rate unless an alternative fixed rate is selected. The applicable maturity rate will be based on the LTV on the date your Maturity Options Letter is issued. On a loan amount of €240,000, over a 25 year term the Annual Percentage Rate of Charge (APRC) would be 3.85%. Offer available to new home mortgage customers only who receive full letter of approval from permanent tsb within the qualifying period. 2% cashback at drawdown is not available with this offer.

Our Mortgage Cashback Offer

We make switching as simple and straightforward as possible. When you switch, if you choose our mortgage cashback offer, 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.

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.

Offer available to new applicants who receive a full letter of approval from permanent tsb up to 31/03/2024. 2% cashback at drawdown will be paid on the amount of the mortgage advanced. Excludes 4 Year Fixed Home Loan New Business Rates, tracker, buy-to-let, negative equity and applicants refinancing an existing permanent tsb mortgage. 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. 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. 2% cashback monthly offer applies to home loans only (i.e. excludes buy-to-let).

Flexible Payment 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 switched to permanent tsb.

• Payment Holiday - 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.

Want more information? We’re here to help  

Depending on where you are on your mortgage journey, our dedicated team is here to help you every step of the way.

What else do I need to know?

You can find more important regulatory information on our mortgage products here.

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 March 2024) 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.

*72 hour approval starts once your application is completed and submitted for credit assessment during business hours. Excludes weekends. If any documentation is missing or additional information is required to reach a credit decision, we will notify you and this may impact the decision time.

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.

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.

Information correct as of 01 January 2023 but is subject to change.

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 and Second Time Buyers a maximum Loan to Value (LTV) of 90% will apply to a property’s purchase price. 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 4 times an individual’s gross income for First time Buyers & 3.5 times an individual’s gross income for Second time Buyers.

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. Information correct as of 01/01/2023 but is subject to change.

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, a hire- purchase agreement, a consumer-hire agreement or a BNPL agreement 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.