Whether you're a first-time buyer, moving home, or switching your mortgage to PTSB, we'll help you compare your options and find the rate that best suits your needs.
Looking to switch your Mortgage? Use our switching calculator to see much you could save.
You can also view the full list of our fixed and variable mortgage rates.
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| Mortgage Interest Rate Options | Borrowing Rate | APRC | Loan to Value (LTV) Band |
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Rates effective from start of business 25 September 2025 but is subject to change.
*In the case of a Green mortgage, you will need to provide evidence to the bank confirming your home has a Building Energy Rating (BER) of A1 to B3 (inclusive). Learn more about the PTSB Green Mortgage.
The interest rate on an existing PTSB loan may vary from the rates quoted on this page.
Annual Percentage Rate of Charge (APRC) is calculated for new business fixed rates using the equivalent Managed Variable Rate (MVR) as the applicable rate following the fixed rate period. The quoted APRC is a typical APRC based on an assumed loan of €100,000 over a 20 year term.
Learn more about how we set variable rates for mortgages.
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.
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 Current Account.
Once you've found a rate that suits you, choose how you'd like to get started.
Apply online Book an appointment Call 0818 50 24 24
Lines are open 9am to 5pm, Monday to Friday (excluding public holidays).
Before you start your application online, please ensure that you have reviewed all the information relevant to you for a mortgage with PTSB; for first time buyers, second time buyers and switchers.
Lending criteria, terms and conditions 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 Insurance and Home Insurance are also required. Permanent TSB plc trading as PTSB is regulated by the Central Bank of Ireland.
Warning: The cost of your monthly repayments may increase – if you do not keep up repayments you may lose your home.
Warning: You may have to pay charges if you pay off a fixed-rate loan early.
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 or a BNPL agreement in the future.
