Get more from your mortgage

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. Our Mortgage Rate Selector will show what rates may be available to you and our Mortgage Calculator will show how much you may be able to borrow and what the monthly repayments would be.

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.

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 2020

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 2020

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 €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.

See here for more information about the unique benefits of the Explore Account from permanent tsb.

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)
  • Are you an existing permanent tsb mortgage holder? Check out our competitive fixed rates.

See here for our full list of fixed rates, managed variable rates and fixed rates for existing customers.

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 switched to permanent tsb.

  • 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 2020) 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 23 November 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.

Mobile Mortgage Manager

We understand your everyday lives are busy so let us come to you when it suits!

Before your Appointment

Read about the process in our switcher guide

View Switcher guide

View the application form you will complete with your Mortgage Consultant

View Application Form (pdf, 303KB)
Home Insurance

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

Life Insurance

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

Help and Support

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

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