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Mortgage Loans that work for you

When you feel it’s time to buy your first business premises, extend or update your current one or just want to talk about the possibility, we’re ready to help you on your way.

We understand that every business is unique and with that comes different financial requirements, so whether you’re purchasing, extending or refurbishing your premises, we can work with you throughout your mortgage journey.

Key Features

  • Fund the purchase, extension or refurbishment of your business premises
  • Range of terms available up to 15 years, where agricultural land is being purchased terms of up to 20 years may be considered
  • Maximum Loan-to-Value (LTV) of 70% applies

Note: Lending terms and conditions apply. Security will be required. Legal costs will apply. An upfront facility fee of up to 1% of the loan amount may be charged at the discretion of the bank on Business Mortgage Loans.

  • Finance available from €50,000
  • Provides the most flexibility in terms of repayment.
  • You can increase your repayments, use a lump sum to pay off all or part of your mortgage, or even pay off your mortgage without paying any fixed rate breakage fees.
  • Keep in mind that because variable rates can rise and fall, your mortgage repayments can go up or down during the term of your loan.

Warning: The cost of your repayments may increase.

Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period.

  • Finance available from €50,000
  • Fixed for 5 years for SME Customers seeking a new loan facility.
  • A Fixed Rate Mortgage means you know exactly what your interest rate is and how much your repayment will be for the duration of your fixed rate term.
  • A fixed rate means your repayments can’t increase during your fixed rate term, however neither will they decrease. By fixing your interest rate you could miss out on lower interest rates and lower repayments during your fixed rate period.
  • Once your fixed rate term has expired, your interest rate will mature to the prevailing relevant Standard Variable Rate as available from PTSB at that time. We will be in touch with you with options in advance.
  • If your rate is fixed and you want to switch to another lender, move to a variable rate, re-mortgage or pay off all or part of your mortgage, you could face early repayment ‘breakage fees’.

Warning: You may have to pay charges if you repay early, in full or in part, a fixed-rate credit facility

Applying for a Business Mortgage Loan

If you are looking to apply for a Business Mortgage Loan, you can book an appointment now or call our Business Banking Team on  0818 200 100 or +353 1 215 1363 to book an appointment. Find your local branch here.

What you will need

To apply for a Business Mortgage Loan you will need to provide a number of documents along with a completed application. Click here to find out more.

Processing your application and making an appeal

For more information on how we process your application and how you can appeal credit decisions, visit our Business Lending Support section.

Important Information

Lending criteria, terms and conditions apply. Please see our Terms & Conditions and Personal & Business banking charges booklets for full details. Approval is subject to repayment capacity assessment and other lending criteria. Security is required, and will typically incur legal costs for the borrower. Your credit rating with PTSB may also be impacted where you have previously been refused an application for credit with PTSB.

Government Support

Business owners will find a range of supports to help manage and grow their business.

Support in financial difficulty guide

This guide provides information on the range of banking supports available to SMEs, both through the recovery, and beyond into the future.

Business Support

Read the Guide for Micro & Small Enterprises and Guarantors: Regulations on Lending to Small & Medium-Sized Enterprises published by the Central Bank of Ireland.


Manage your business funds online with our dedicated online banking for business customers.

Contact our Business Banking Team

Our dedicated team of Business Banking Managers are available to meet in person, at a customer’s business premises, over the phone, and through our nationwide network of almost 100 branches.

Business Banking Rates

For business current account and new business lending

Business Deposits

Plan and prepare for the future

Business Term Loan

Flexible term lending options to finance business assets or expansion

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