Whether it’s your first home or your forever home, we can help you find a rate that works for you.
Find out more about the mortgage interest rate options available to you by using our Mortgage Rate Selector tool below. With lower fixed rates and competitive variable rate options to suit you and get you moving.
For customers looking to switch their mortgage to PTSB see here to check out our handy Switcher rate calculator.
For existing customers see here for options on your existing PTSB mortgage.
For a new Mortgage with PTSB. You can 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.
Before you start your application online please ensure that you have reviewed all the information relevant to you for a mortgage with PTSB; for first time buyers, second time buyers and switchers.
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. Permanent TSB plc trading as PTSB is regulated by the Central Bank of Ireland.
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 - if you do not keep up your repayments you may lose your home.
Warning: You may have to pay charges if you pay off a fixed-rate loan early.
Loan Amount: 0
Deposit Amount: 0
| Mortgage Interest Rate Options | Borrowing rate | APRC | LTV Band |
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Rates effective from start of business 17 January 2025.
*In the case of a Green mortgage, you will need to provide evidence to the bank confirming your home has a Building Energy Rating [BER] of A1 to B3 (inclusive). For full details please visit our Green Mortgage page.
For customers looking for options on their existing PTSB mortgage, and to view our full list of fixed and variable rate options, please click here
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. Loan to Value (LTV) is the amount you can borrow from us relative to the value of the property you’re buying. The quoted APRC is a typical APRC based on an assumed loan of €100,000 over a 20 year term.
Learn more about how we set variable rates for mortgages by downloading our policy summary (pdf, 115KB).
Annual Percentage Rate of Charge (APRC) is calculated for new business fixed rates using the equivalent Managed Variable Rate (MVR) as the applicable rate following the fixed rate period.
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.
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.
Warning: The cost of your monthly repayments may increase – if you do not keep up repayments you may lose your home.
Information correct as of 17/01/2025 but is subject to change.
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.
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 or a BNPL agreement in the future.
