PTSB mortgages

PTSB offers a range of mortgages for all types of borrowers. Whether you’re buying your first home, switching or taking on a self-build project, PTSB has a mortgage just for you.

What mortgages do PTSB offer?

PTSB offer a wide range of mortgages to borrowers in Ireland; here’s a summary of their mortgages:

  • First-time buyer: competitive rates and mortgage cashback make PTSB an appealing choice for borrowers buying their first home.
  • Moving house: PTSB are now offering their lowest ever 4 year fixed rate mortgage, and if you’re upsizing, rates are even lower when you borrow €250,000 or more.
  • Switcher: Save by switching to a PTSB mortgage and benefit from their 2% cashback offer too.
  • Self Build: Get all the benefits of a first time buyer mortgage and opt to receive your payments in 4-6 stages to help plan and budget for your build.
  • Green mortgages: enjoy the benefits of a discounted 5-year fixed rate mortgage when you buy a high-energy rated home.
  • Buy to let: borrow €40,000 or more for up to 25 years and get better rates if you have a low loan to value (LTV).

You can compare the mortgages from PTSB alongside other mortgage lenders in Ireland using our free mortgage comparison.

Compare mortgage rates & deals

Find a range of first time buyer and home mover mortgage deals in Ireland using our comparison.

More about PTSB mortgages

Some of the main benefits of PTSB mortgages include:

  • Competitive rates: PTSB offer a choice of market-leading fixed and variable rate mortgages and lower rates for mortgages of €250,000 or more.
  • Flexible repayment options: PTSB offer payment holiday and overpayment options plus preferred payment dates to give you control over your finances.
  • 2% cashback on drawdown: Get 2% of your mortgage back in cash within 40 days of drawdown. Offer available for approvals until 31 March 2025 and valid for 6 months. Excludes 4 Year Fixed Home Loan New Business Rates, tracker, buy-to-let, negative equity and applicants refinancing an existing PTSB mortgage.
  • 2% monthly cashback for Explore account holders who pay their mortgage by direct debit. All new mortgage customers and customers already in receipt of 2% monthly cashback will get the benefit up to 31st December 2030 (subject to their mortgage term running to or beyond 31st December 2030).
  • Discounted 5-Year fixed rates for homes with a Building Energy Rating (BER) of A1 to B3
  • Mortgage credit approval in 72 hours once you’ve submitted a fully complete application with all the required documents. If you’re successful you’ll get a Mortgage Credit Approval within 72 hours.
  • Mobile Mortgage Manager Service: A dedicated mortgage consultant can visit you at home or you can meet in a branch to talk about your mortgage goals and start your application.

Compare mortgages

More from PTSB

PTSB is a leading Irish bank with a network of 98 branches across Ireland. They offer a range of financial services, including current accounts, savings and investing, loans, insurance and business banking.

PTSB is regulated by the Central Bank of Ireland.

Permanent TSB mortgages FAQs

How much can I borrow from PTSB?

The borrowing limits for PTSB are the same as other lenders in Ireland and are based on your income and deposit. You can use our how much can I borrow calculator to find out how much you might be able to borrow.

Do PTSB offer mortgages for the self-employed?

Yes, but you’ll need to supply more documentation to support your application.

You can find out more about getting a mortgage if you’re self-employed by reading our guide: How to get a mortgage if you’re self employed

Compare mortgage rates & deals

Find a range of first time buyer and home mover mortgage deals in Ireland using our comparison.

Mortgage lenders in Ireland

Warning: If you do not keep up your repayments you may lose your home. 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. 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. Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period. The payment rates on this housing loan may be adjusted by the lender from time to time. (applies to variable rate loans only) Information provided and Interest rates quoted valid at 29/05/2024