Here at PTSB we like to cater to our customer’s needs so we have reviewed our Buy-to-Let mortgage offer to be more in line with what you want. So if you’re thinking of making an investment and becoming a landlord, now might be the time to consider a Buy-to-Let mortgage.
For Non Resident Buy-to-Let Customers, lending levels are subject to monthly rental income from the property being a minimum of 1.5 times the stressed principle and interest Mortgage repayment, however this may vary depending on individual circumstances.
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. LTV stands for Loan to Value. The quoted APRC is a typical APRC based on the assumed loan of €100,000 over a 20 year term.
| Borrowing rate | APRC | over 5 yrs | over 10 yrs | over 15 yrs | |
| Variable Rates* | |||||
| LTV less than or equal to 50% | 5.30% | 5.63% | €19.01 | €10.75 | €8.07 |
| LTV greater than 50% and less than or equal to 60% | 5.45% | 5.79% | €19.08 | €10.83 | €8.14 |
| LTV greater than 60% and less than or equal to 70% | 5.55% | 5.90% | €19.12 | €10.88 | €8.20 |
| Fixed Rates* | |||||
| 3 Year New Business Fixed Rate less than or equal to 70% LTV | 5.65% | 5.93% | €19.17 | €10.93 | €8.25 |
| 5 Year New Business Fixed Rate less than or equal to 70% LTV | 5.85% | 6.06% | €19.26 | €11.03 | €8.36 |
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*Rates also available to Irish and British citizens who reside in any Eurozone country (a European Union Member State which uses the Euro as its national currency) who are earning more than €75,000 and earn all of their income in Euro, either individually or jointly. |
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| RIP Maturity Rates | |||||
| RIP SVR | 5.80% | 5.90% | €19.24 | €11.00 | €8.33 |
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
APRC stands for Annual Percentage Rate of Charge.
Check out our full list of rate options.
You can apply online or book an appointment in branch or in a place that suits you, we’ll guide you through the process and help you every step of the way!
Naturally there are terms and conditions to every mortgage or loan and we can go through these with you upon application. In the meantime, here is some information on the documents we will require and some useful background reading to give you a better idea of our rates and regulations.
The above information is valid from 22 March 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.
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