You don’t need to have everything figured out – the conversation can start whether you’re just beginning your search or ready to buy.
Our dedicated team are ready to meet you in your local Kildare branch or at a time and place that suits you.
We know life is busy, so you can meet a Mortgage Consultant at a time and place that works for you - in your local PTSB Kildare branch or another convenient location such as a local café or your office.
If you’re ready to get started, you can begin your application online. However you choose to get started, you’ll always have the option to meet us in person and track and manage your mortgage online.
It’s one of the first questions most people looking to buy a home ask - and a great place to start. Talk to us and we’ll help you understand your options. You can also use our mortgage calculator to find out how much you could borrow based on your income and outgoings. Minimum deposit of 10% of the property’s purchase price is required.
Whether you’re planning to get mortgage ready over the next year, looking to move to something bigger or switch your existing mortgage, we’re here to help.
Lending criteria, terms and 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.
2% cashback is available to qualifying applicants who receive their full mortgage Letter of Approval from PTSB on or before 31 December 2026. Only mortgage payments made by Direct Debit from an Explore Account will get the 2% cashback monthly. The Explore Account carries an €8 monthly fee for maintaining the account. Cashback will be paid within 40 working days of drawdown into your mortgage paying account. Excludes 4 Year Fixed Home Loan New Business Rates, tracker, buy-to-let, negative equity and applicants refinancing an existing PTSB mortgage.
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 should consider the total cost of the mortgage and any applicable incentive included in a mortgage offer.
Permanent TSB plc trading as PTSB is regulated by the Central Bank of Ireland.
