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Start your journey home with us today

We know that buying your first home is a big decision and the mortgage process can seem overwhelming. That’s why we break down the mortgage journey for you so you can understand the different steps and the support available to you along the way from our dedicated mortgage team.

Saving for a deposit

As a First Time Buyer you will need a deposit of at least 10% of the house price.

  • Get into the habit of saving a regular amount to demonstrate your repayment ability
  • Through paying rent and saving the equivalent of your monthly mortgage repayment amount, you can show us that you can pay your proposed mortgage repayment

Use our Mortgage Calculator to check how much you could borrow and how much your monthly repayments would be.

Searching for your first home

You can now start, and track the progress of, your mortgage journey 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.

Using our online mortgage portal you can:

  • Start your mortgage application online, in minutes
  • You’ll be assigned a Mortgage Consultant to help you through your journey
  • Upload documents in one easy location
  • Communicate with a Mortgage Consultant directly through the portal
  • Track the progress of your application

Applying for a Mortgage

We’re here to support you with your mortgage application every step of the way.

  • When you’re ready to apply, you will need to provide the documentation outlined here along with your application. Allow 1-2 weeks to gather all the required documentation. Should you require any help with these documents, our mortgage team will guide you through the process during your appointment and talk you through every step of the paperwork. When we receive your application, we will let you know if any documentation is missing or if we require any further information.
  • Once we’ve reviewed and submitted your completed application, we can give you Mortgage Credit Approval in 72 hours.

Find your home

Once the search for your first home is done, and you’ve found the perfect one for you, let us know.

  • You then need to get your new home valued. Once you submit the valuation, we will issue your Letter of Approval and all the loan information to your solicitor.
  • You will need to arrange Life Insurance and Home Insurance. We can help you with this or you can obtain a policy from another provider if you prefer
  • Once you sign the documents with your solicitor they will arrange a completion date with the house seller and we will transfer the funds and you can then collect the keys to your new home

72 hours starts once your application is completed and submitted for credit assessment during business hoursExcludes 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 4.70% 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.

Information correct as of 17/01/2024 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.

Get started on your journey

You can now start, and track the progress of your mortgage journey 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.

Or you can still book an appointment in branch or in a place that suits you.

Apply online Book an appointment Call 0818 50 24 24
Mortgage Rate Change Announcement

PTSB makes significant reductions to standard 3-year fixed-rate mortgage products for new and existing customers by up to 1.05%

Dedicated Mortgage Team

Our experienced Mortgage Consultants can meet you in branch or at a time and place that suits you.

Online Mortgage Portal

Start, and track the progress of, your mortgage online with our new Mortgage Portal.

Ulster Bank Mortgage Customers

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

Interest Rates

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

Variable rate mortgage policy

Learn more about how we set our variable mortgage interest rates in our variable rate policy statement.

Find out all the details on our new mortgage offer

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