Our new Green Mortgage offers a lower rate of interest to our home loan customers, available if you are buying, building, structurally renovating or currently own a high energy rated home and your home has or will have a building energy rating of A1 to B3 (inclusive).
Our Green 3 and 5 Year Fixed rate options are available whether you are a new business or existing business home loan customer with 3 or 5 years, or more, remaining on your term.
Take some time to review all the information below to ensure you have all the necessary details before starting your application with us.
*LTV is the value of the mortgage facility calculated as a percentage of the value of the property. Detailed information on our LTV band rates.
Our Green Mortgage Offer is available to Home Loan customers who choose a 3 or 5 year fixed rate option and are buying, building, or structurally renovating their home. The property must have a Building Energy Rating (BER) of A1 to B3 (inclusive). Our Green 3 and 5 Year Fixed rate options are available whether you are a new business or existing business home loan customer with 3 or 5 years, or more, remaining on your term. View all details on how to qualify and eligibility criteria.
Start, and track the progress of your mortgage journey online with our mortgage portal. If you start your application online, you will still have the option to meet a Mortgage Consultant in person.
Or book an appointment in branch with our Dedicated Team or at a time and place that suits.
You can also call our team to speak to us about our mortgage offering.
Apply online Book an appointment Call 0818 50 24 24Lines are open Monday to Friday 9am to 5pm (excluding Bank Holidays).
A Building Energy Rating (BER) rates the energy performance of your home on a scale from A (the highest) to G (the lowest). To find out more about BER, including applying for grants, costs involved for BER assessments, or downloading a copy of your BER certificate, visit the Sustainable Energy Authority Of Ireland (SEAI) Website.
You can avail of our Green fixed interest rate where:
Please note: if you are already on a fixed rate with us and wish to switch to our Green Mortgage offer, a breakage fee may apply.
With rates starting as low as 3.50%, our Green Mortgage can offer real savings on your mortgage. For more information on specific applicable Loan to Value (LTV) rates, see our full table on our rates page.
*Rates based on an LTV of >60% & ≤80% and a loan amount of €300,000 over a 20-year term using our green high value three year fixed rate of 3.60% (APRC 4.32%) & our **Standard high value 3 year fixed rate based on an LTV of ≤ 80% and a loan amount of €300,000 over a 20-year term at a rate of 3.70% (APRC 4.35%). After year three, the fixed rate will mature to the prevailing Managed Variable Rate unless an alternative fixed rate is selected. The applicable maturity rate will be based on the LTV on the date your Maturity Options Letter is issued. High-value mortgage rates are available on loan amounts ≥ €250,000. Offer available to home loan mortgage customers. Qualifying criteria terms and conditions apply.
As well as our Green Mortgage, new customers can also avail of our award-winning Cashback offer, which gives you 2% cashback at drawdown and 2% cashback on your monthly repayments until 2030, when you pay from an Explore Account***.
Cashback offer available to qualifying applicants who receive their full mortgage Letter of Approval from PTSB on or before 31 March 2025. Excludes 4 Year Fixed Home Loan New Business Rates, tracker, buy-to-let, negative equity and applicants refinancing an existing PTSB mortgage.
2% cashback at drawdown will be paid on the amount of the mortgage advanced. 2% cashback at drawdown is paid into the customer’s mortgage paying account (which does not need to be a PTSB account) within 40 working days of mortgage drawdown. The qualifying period (11 January 2016 until 31 March 2025) may be extended as PTSB decides. 2% cashback at drawdown excludes 4 Year Fixed Home Loan New Business Rates, tracker, buy-to-let, negative equity and applicants refinancing an existing PTSB mortgage.
2% cashback monthly will be paid until 31/12/2030. Your monthly mortgage repayment must be made from a PTSB Explore Account and meet qualifying criteria. ***Only mortgage payments made by Direct Debit from an Explore Account will get the 2% cashback monthly. The Explore Account carries a €8 monthly fee for maintaining the account. Any items that are returned unpaid (including Direct Debits and Standing Orders) will incur the appropriate unpaid item charge and other charges may apply. eStatements only. If any changes to the billed monthly mortgage repayment are made they must be agreed by both you and PTSB to be eligible for the cashback monthly offer.
If either the Explore Account or the Mortgage is terminated for any reason then the monthly cashback will cease. PTSB retains the right to close the Explore Account as per the General Terms & Conditions. Offer applies to home loans only i.e. excludes buy-to-lets. It should be noted that any change in use of the property from personal use to letting could have tax implications for you.
Find out more information about the unique benefits of the Explore Account from PTSB.
Lending criteria, terms & conditions will apply. Mortgage approval is subject to an assessment of suitability and affordability. Applicants must be aged 18 or over. Security is required and a 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 31 July 2024 but is subject to change.
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: You may have to pay charges if you pay off a fixed-rate loan early.
Warning: The cost of your monthly repayments may increase.
Start, and track the progress of your mortgage journey online with our mortgage portal. If you start your application online, you will still have the option to meet a Mortgage Consultant in person.
Or book an appointment in branch with our Dedicated Team or at a time and place that suits.
You can also call our team to speak to us about our mortgage offering.
Apply online Book an appointment Call 0818 50 24 24Lines are open Monday to Friday 9am to 5pm (excluding Bank Holidays).
