Mortgage Interest Rates - New Business

The interest rate on an existing permanent tsb loan may vary from the rates quoted on this page. APR stands for Annual Percentage Rate. LTV stands for Loan to Value.

Home loans - cost per €1,000

Variable rates

Gross rate

APR

over 20 yrs

over 25 yrs

over 30 yrs

LTV Managed Variable Rates
LTV less than or equal to 50% 3.95% 4.0% €6.03 €5.25 €4.75
LTV greater than 50% and less than or equal to 60% 4.05% 4.1% €6.09 €5.31 €4.80
LTV greater than 60% and less than or equal to 70% 4.15% 4.2% €6.14 €5.36 €4.86
LTV greater than 70% and less than or equal to 80% 4.20% 4.3% €6.17 €5.39 €4.89
LTV greater than 80% and less than or equal to 90% 4.45% 4.5% €6.30 €5.53 €5.04

Warning: The cost of your monthly repayments may increase.

Fixed rates

Gross rateAPRover 20 yrsover 25 yrsover 30 yrs
2 Year Fixed Rate New Business - less than or equal to 70% LTV 4.40%  4.3%  €6.27 €5.50 €5.01 
2 Year Fixed Rate New Business - less than or equal to 90% LTV 4.69%  4.6%  €6.43 €5.67 €5.18 
3 Year Fixed Rate New Business - less than or equal to 70% LTV 4.65%  4.4%  €6.41 €5.64 €5.16 
3 Year Fixed Rate New Business - less than or equal to 90% LTV 4.95%  4.7%  €6.57 €5.82 €5.34 


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.

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

NAMA 80/20 Deferred Payment Initiative

 Gross rateAPR
New Business Variable Rate <90% LTV 4.34% 4.4%


Note: To apply for a mortgage under the NAMA 80/20 Deferred Payment Initiative you must submit the NAMA approved Participation form. More detail on the NAMA initiative is available here.

Home Improvement Loans (Top Up) - Cost per €1,000

 Gross rateAPRover 5 yrsover 10 yrsover 15 yrs
Mortgage Top Up Variable Interest Rate 4.34%  4.4%  €18.57 €10.29 €7.57

 

Buy to Let Loans (BTL) - LTV Managed Variable Rates - Cost per €1,000

 

Gross rate

APR

over 5 yrs

over 10 yrs

over 15 yrs

Resident
LTV less than or equal to 50% 5.25% 5.4% €18.99 €10.73 €8.04
LTV greater than 50% and less than or equal to 60% 5.40% 5.5% €19.06 €10.80 €8.12
LTV greater than 60% and less than or equal to 75% 5.55% 5.7% €19.12 €10.88 €8.20
Non Resident
LTV less than or equal to 50% 5.25% 5.4% €18.99 €10.73 €8.04
LTV greater than 50% and less than or equal to 60% 5.40% 5.5% €19.06 €10.80 €8.12

 

Warning: The cost of your monthly repayments may increase.

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.