First Time Buyer

Start your journey home with us today. Find out more about the mortgage journey, our cashback offer and how much you could borrow with our mortgage calculator.

First Time Buyer

Moving House

Decided it’s time to move? Then it’s time to talk to us.

Moving House

Switch Mortgage

Make the switch as quickly and easily as possible with us.

Switching mortgage

Self Build

Thinking of building a home? Talk to us today and let us help.

Self Build


If you’re considering a Buy-to-let property talk to us today.

Buy to let

Already an existing mortgage holder?

Find out more

Green Mortgage

Our new Green Mortgage offers new and existing home loan customers a lower 5 year fixed rate of interest if you are buying, building, structurally renovating or currently own a high energy rated home.

Find out more

Ulster Bank Customers

Here you will find details on the transfer of your Fixed or Variable Rate Mortgage, including helpful contacts, action needed and FAQs.

Find out more

Your mortgage journey

Competitive rates

  • A choice of fixed or variable rates
  • Lower fixed rate for mortgages of €250,000 or more

Flexible repayment options

72 hours 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 which may impact the decision time.

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 4.30% on mortgage of €100,000 is €621.90 for 240 months. Total amount repayable is €149,617.11. If interest rates increase by 1% an additional €54.74 would be payable per month. For this example, Annual Percentage Rate of Charge(APRC) of 4.43% applies and consists of variable borrowing rate of 4.30%, valuation fee of €150, Property Registration Authority (PRA) fee of €175, and security vacate fee of €35. Information correct as of 31/07/2023 but is subject to change.

Permanent TSB plc trading as PTSB is regulated by the Central Bank of Ireland.

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.

Mortgage Documents

Ready to apply for your mortgage? Find out all the required documents you’ll need for your application.

Interest Rates

We have a range of competitive fixed and variable mortgage rates, find out more about the options available to you.

Mortgage Support

We’re here to support you on your mortgage journey, with everything from home improvements to overpayment options.

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