Mortgage Calculator

Important information & assumptions

• Repayments are based on a three year fixed rate of 2.95% (APRC 3.71%). After year three, a Managed Variable Rate (80-90% LTV) of 3.9% (APRC 3.97%) applies, however there are also Fixed Rate options that would be available as an alternative to this Managed Variable Rate (e.g. five year fixed rate for existing customers of 3.00%)
• APRC stands for Annual Percentage Rate of Charge
• 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

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 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

• *Your mortgage must be paid from an Explore Account to get the 2% cashback monthly offer.
• Get 2% of your monthly mortgage repayment back in cash every month until 31 December 2027
• Cashback is paid directly into your account on the first working day of the month following your repayment
• Offer available to both our variable and fixed rate customers
• Offer available to qualifying applicants who receive their full mortgage Letter of Approval between 26 August 2017 and 31 December 2021
• Find out more by visiting our Important Mortgage Regulatory Information Page

2% cashback at drawdown will be paid on the amount of the mortgage advanced. 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 at drawdown 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. Only mortgage payments made by Direct Debit or Internal Standing Order from an Explore Account will get the 2% cashback monthly. 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. 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.

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

For First Time Buyers, a maximum Loan to Value (LTV) of 90% will apply to a property’s purchase price. For Second Time Buyers, ma 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.

Information correct as of 26/03/2021 but is subject to change.

permanent tsb plc. is regulated by the Central Bank of Ireland.

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