We know your first home may not always be your forever home. As times change, you may want more space for your family, a back garden for the kids to play in, or a place you can fill up with new memories. Finding your forever home can take time, so we make the mortgage journey as straightforward as possible and our dedicated team are here to support you at every stage of your home buying journey.
We're ready to get you moving to your next home, with a range of competitive mortgage rates and a choice of mortgage offers, so you can choose the mortgage that best suits you.
Whether it’s our 4 Year Fixed Rate offering you a more competitive rate, meaning you’ll have lower monthly repayments and see real savings on your mortgage, or our cashback mortgage, providing you with 2% Cashback at drawdown to help you turn your house into a home, we’ll work with you to find the mortgage option that’s right for you.
Apply online or book an appointment today and our dedicated team can talk you through the different options available to you, to get you moving.
At PTSB, we've introduced a competitive 4 year fixed interest rate with rates starting as low as 3.80%, 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 2030 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 50 24 24 who can talk you through the different rate options available to you.
*Rate of 3.80% is available 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 4.29%. Offer available to new home mortgage customers only who receive full letter of approval within the qualifying period. 2% cashback at drawdown is not available with this offer.
Whether you’re moving for more space for your family, a bigger garden, or a home office, we’re here to support. 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 2030, when you pay from an Explore Account.
Please 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 up to 31/03/2025.
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 PTSB mortgage.
2% cashback monthly will be paid until 31/12/2030. Your monthly mortgage repayment must be made from a PTSB Explore Account and meet qualifying criteria. The Explore Account carries a €8 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).
Permanent TSB plc trading as PTSB is regulated by the Central Bank of Ireland
You can now start, and track the progress of, your mortgage online with our new Mortgage Portal. If you start your application online, you will still have the option to meet a Mortgage Consultant in-person at a convenient time and place.
Apply Online Book an appointment
Alternatively, you can call us on 0818 50 24 24. Lines open Monday to Friday 9am to 5pm (excluding Bank Holidays).
See for our full list of fixed rates and managed variable rates here.
I'm switching my mortgage to PTSB from another bank:
I'm switching my mortgage to PTSB and looking to borrow additional funds (via Equity Release):
I'm switching my Buy-To-Let mortgage to PTSB:
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 PTSB.
See our Flexible Mortgage Repayment Options page for more information or download our brochure.
Find out more about important regulatory information on our mortgage products.
2% cashback at drawdown is paid into the customer’s mortgage paying account (which does not need to be a PTSB account) within 40 working days of mortgage drawdown. The qualifying period (11 January 2016 until 31 March 2025) may be extended as PTSB decides.
2% cashback monthly is paid until 31 December 2030. Payments must be made by Direct Debit 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 PTSB 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. PTSB 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 22 March 2024 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 PTSB 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 4.70% on mortgage of €100,000 is €643.50 for 240 months. Total amount repayable is €154,799.06. If interest rates increase by 1% an additional €55.73 would be payable per month. For this example, Annual Percentage Rate of Charge (APRC) of 4.84% applies and consists of variable borrowing rate of 4.70%, 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 €8 monthly fee for maintaining the Explore Account.
Information correct as of 22/03/2024.
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.
Keep us informed of any changes to your contact details by doing one of the following:
Alternatively visit your local PTSB branch for further details.
Please note that where you are a joint mortgage holder, an instruction will be required from all parties.
We offer a range of competitive fixed rates with a choice of terms from 2 - 7 years. View our full list of fixed rates for new and existing customers and our range of managed variable rates.
View the application form you will complete with Mortgage Consultant in branch or at your preferred location
