Moving House

We know your first home may not always be your forever home. As times change, you may want more space for your family, a back garden for the kids to play in, or a place you can fill up with new memories. Finding your forever home can take time, so we make the mortgage journey as straightforward as possible and our dedicated team are here to support you at every stage of your home buying journey.

We're ready to get you moving to your next home, with a range of competitive mortgage rates and a choice of mortgage offers, so you can choose the mortgage that best suits you.

Whether it’s our 4 Year Fixed Rate offering you a more competitive rate, meaning you’ll have lower monthly repayments and see real savings on your mortgage, or our cashback mortgage, providing you with 2% Cashback at drawdown to help you turn your house into a home, we’ll work with you to find the mortgage option that’s right for you.

Apply online or book an appointment today and our dedicated team can talk you through the different options available to you, to get you moving.

Our 4 Year Fixed Rate Offer

At PTSB, we've introduced a competitive 4 year fixed interest rate with rates starting as low as 3.65%, meaning you’ll have lower monthly repayments and see real savings on your mortgage. With this fixed rate offer we’ll give you 2% cashback on your monthly mortgage repayments every month until 2030 when you pay from an Explore Account.

Whatever your needs, we have a range of competitive mortgage rates and a choice of mortgage offers, so you can choose the mortgage that best suits your lifestyle. Call our dedicated team today on 0818 50 24 24 who can talk you through the different rate options available to you.

*Rate of 3.65% is available on a Loan To Value(LTV) of ≤60%. After year four, 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. On a loan amount of €240,000, over a 25 year term the Annual Percentage Rate of Charge (APRC) would be 4.24%. Offer available to new home mortgage customers only who receive full letter of approval within the qualifying period. 2% cashback at drawdown is not available with this offer.

Our Mortgage Cashback Offer

Whether you’re moving for more space for your family, a bigger garden, or a home office, we’re here to support. If you choose our mortgage cashback offer, you’ll get 2% cashback on your mortgage at drawdown. And now, you also get 2% cashback on your monthly repayments until 2030, when you pay from an Explore Account.

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.

Offer available to new applicants who receive a full letter of approval up to 31/03/2025.

2% cashback at drawdown will be paid on the amount of the mortgage advanced. 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. 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. 2% cashback monthly offer applies to home loans only (i.e. excludes buy-to-let).

Permanent TSB plc trading as PTSB is regulated by the Central Bank of Ireland

Competitive rates

• Competitive fixed rates over 2, 3, 4, 5 and 7 years
• Lower fixed rate for mortgages of €250,000 or more
• Prefer a variable rate? Choose from one of our managed variable rates instead (MVRs)

See for our full list of fixed rates and managed variable rates here.

I'm switching my mortgage to PTSB from another bank: 

• Maximum Loan to Value (LTV) of 90%
• Minimum mortgage amount of €40,000
• Minimum term of 5 years
• Maximum term of 35 years

I'm switching my mortgage to PTSB and looking to borrow additional funds (via Equity Release): 

• Maximum Loan to Value (LTV) of 85%
• Minimum mortgage amount of €40,000
• Minimum term of 5 years
• Maximum term of 35 years

I'm switching my Buy-To-Let mortgage to PTSB:

• Maximum Loan to Value (LTV) of 70%
• Minimum mortgage amount of €40,000
• Minimum term of 5 years
• Maximum term of 35 years

Flexible Payment Options

We understand you want flexibility when paying back your mortgage. That’s why we offer a choice of flexible repayment options that could make your mortgage easier to manage after you’ve switched to PTSB.

• Payment Holiday - choose from two Payment Holiday options
• Overpayment Options - make regular overpayments or lump sum payments on your mortgage to reduce the term and the amount of interest you pay
• Payment Date Option - choose your preferred mortgage payment date

See our Flexible Mortgage Repayment Options page for more information or download our brochure.

Help and guidance

• We’re here to support you along the way. Check out our mortgage guide for help with buying your new home. The guide contains information on the moving process as well as other useful tips and information. 
• If you’re considering switching to PTSB see more information on our Switchers page or find answers to your questions on our FAQ page.
• Have a question you need answered? Check out our list of frequently asked questions. 
• Unsure what all those technical terms mean? Check out our handy jargon buster.
• Any mortgage application requires a bit of documentation. Here's a list of the main documents you’ll need to have when applying for a mortgage.
• Looking for Home Insurance? Switch to PTSB and you’ll get your first 4 months of cover for free.

What else do I need to know?

Find out more about important regulatory information on our mortgage products.

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 monthly is paid until 31 December 2030. Payments must be made by Direct Debit from an Explore Account. The following payments do not qualify for cashback: cash, cheque, bank draft, electronic funds transfer, debit/credit card, manual Direct Debits, Standing Orders set up by the customer, lump sum payments, and returned or arrears payments. 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.

*72 hour approval starts once your application is completed and submitted for credit assessment during business hours. Excludes weekends. If any documentation is missing or additional information is required to reach a credit decision, we will notify you and this may impact the decision time.

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.

Home insurance is arranged by permanent tsb p.l.c. and underwritten by Allianz p.l.c.. permanent tsb is appointed as a single Agency Intermediary of Allianz plc for Home insurance. Allianz plc is regulated by the Central Bank of Ireland.

Information correct as of 31 July 2024 but is subject to change.

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.

 Information correct as of 31/07/2024.

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.