Your next move matters. So why not move better?

We know that moving to a new bank is not easy. That’s why we have put a number of supports in place to offer guidance, convenience and support when you need us, whether that is through our digital channels, or through our people and branch network.

At the permanent tsb Ideal Home Show, the team will be on hand at stand N50 to support your move to us and all your long term financial needs. So, whether you’re an Ulster Bank or KBC customer looking to move your banking relationship, or just ready for a change, you can chat to the friendly and helpful experts who will be ready to guide you every step of the way. If you can’t wait until the permanent tsb Ideal Home Show, you can start your move today in app or by visiting our Moving Bank Online Hub at www.permanenttsb.ie/everyday-banking/moving-bank-online-hub/

Start your journey home with us today.

permanent tsb are here to support you on your home journey. Whether you are looking to buy your first home or improve your existing one, we will be with you every step of the way.

permanent tsb was awarded the ‘Best First Time Buyer Mortgage’ at the 2022 Bonkers.ie National Consumer Awards, for the fourth year in a row. So not only will you have experts on hand to support you throughout the weekend, but with permanent tsb’s award winning Mortgage you can also get Cashback, Flexible Repayment Options and Competitive Rates if you’re a first-time buyer, a mover, a self-builder or a switcher. Wherever you are in your home buying journey, permanent tsb are there to support you.

Certain flexible mortgage repayment options can only be used one at a time and may result in additional interest costs over the term of the loan. Full details available on our website, in branch or over the phone.

Looking for a Home Improvement Loan?​

We know that you can get so excited about your plans that it can be hard to get them finished. So whether it’s creating more space for the kids or setting up the home office of your dreams, the permanent tsb team will be on hand to help you finish what you started with home improvement loans up to €75,000. With competitive lending rates available and terms to suit your needs, we will be ready to chat though any of your questions and can even start your application at the stand.  If you already bank with us, you can apply online at open24.ie or on the permanent tsb app and you could get loan approval in minutes and your loan into your account instantly, for loans up to €25,000. 

Approval in minutes applies to permanent tsb Current Account salary mandated customers who are approved loans up to €25,000. Customers must apply in-app or on Open24.ie and be registered for Open24 online banking. In-app loans need to have downloaded our mobile app. Data charges may be incurred for use of app. Online and in-app loans can only be taken out in your sole name, and can only be drawn down and paid back from a permanent tsb Current Account. Customers may have to upload their PPSN document (for example, Notice of Tax Credit), through the desktop or app. Loans from €1,500 to €75,000 can be applied for in-app or on Open24.ie; for loan amounts greater than €25,000 and up to €75,000 we will call you back to discuss. Branch applications from €1,500 up to €75,000 can be approved and drawn down, Monday to Friday 10am to 5pm, or drawn down through Open24.ie or in-app if a sole application.

First Time Buyers

Buying your first home? Try our mortgage calculator to see how much you could borrow.

Home Improvement Loan

Thinking of extending or renovating?

Find out more about our Home Improvement Loan.

Mortgage Terms and Conditions:

*Mortgage terms and conditions: Lending criteria, terms and conditions apply. Mortgage approval is subject to assessment of suitability and affordability. Applicants must be aged 18 or over. Security and home and life insurance are required.

For First Time Buyers, a maximum Loan to Value (LTV) of 90% will apply to a property’s purchase price. For Second Time Buyers, a maximum LTV of 80% will apply. The maximum LTV for customers who hold their current mortgage with another bank but wish to switch their mortgage to permanent tsb while also releasing equity is 85%. Maximum loan amount will typically not exceed 3.5 times an individual’s gross annual income. The monthly repayment on a 20 year mortgage with Loan to Value (LTV) greater than 80% with variable borrowing rate of 3.90% on mortgage of €100,000 is €600.72 for 240 months. Total amount repayable is €144,533.76. If interest rates increase by 1% an additional €53.72 would be payable per month. For this example, Annual Percentage Rate of Charge (APRC) of 4.01% applies and consists of variable borrowing rate of 3.90%, 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 €6 monthly fee for maintaining the Explore Account.

Information correct as of 30/09/2022 but is subject to change. permanent tsb p.l.c. is regulated by the Central Bank of Ireland.

Home Improvement Loan Terms and Conditions:

*Into your account instantly and approval in minutes applies to permanent tsb current account salary mandated customers who are approved loans up to €25,000. Customers must apply online or in-app and be registered for Open24 Online Banking. Customers may have to upload their PPSN document (for example, Notice of Tax Credit) through the desktop or app. In-app loans need to have downloaded our mobile app. Data charges may be incurred for use of app. Online and in-app loans can only be taken out in your sole name, and can only be drawn down and paid back from a permanent tsb Current Account. Loans greater than €25,000 and up to €75,000 can be applied for online and we will call you back to discuss. Branch applications up to €75,000 can be approved and drawn down, Monday to Friday 10am to 5pm, or drawn down through Open24.ie or in-app.

permanent tsb p.l.c. is regulated by the Central Bank of Ireland.

Warning: If you do not keep up your repayments you may loose 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 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.