When it comes to your mortgage journey, we're ready to get you moving.
Find out more about the mortgage interest rate options available to you by using our Mortgage Rate Selector tool below. We have a wide range of competitive fixed and variable rate options to suit you.
For customers looking to switch their mortgage see here to check out our handy Switcher rate calculator.
For existing customers see here for options on your existing PTSB mortgage.
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.
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Deposit Amount: 0
| Mortgage Interest Rate Options | Borrowing rate | APRC | LTV Band |
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Rates effective from start of business 22 March 2024.
*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). For full details please visit our Green Mortgage page.
For customers looking for options on their existing PTSB mortgage, and to view our full list of fixed and variable rate options, please click here
The interest rate on an existing PTSB loan may vary from the rates quoted on this page. APRC stands for Annual Percentage Rate of Charge. Loan to Value (LTV) is the amount you can borrow from us relative to the value of the property you’re buying. 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 by downloading our policy summary (pdf, 115KB).
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.
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.
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. Please note – this APRC does not factor in the €8 monthly fee for maintaining the Explore Account.
Warning: The cost of your monthly repayments may increase – if you do not keep up repayments you may lose your home.
Information correct as of 22/03/2024 but is subject to change.
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 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.
