Searching for your next move, but not sure where to begin?

March 25, 2026

Whether you’re buying, building or upgrading your home, we’re here to help simplify your next move. Our dedicated team will help you find the right finance and rate for your plans.

Planning your upgrade with PTSB at our Home Upgrade Hub.

If you want to upgrade your current home to make it warmer and more energy efficient, explore the new PTSB Home Upgrade Hub. At the PTSB Home Upgrade Hub, you can get a customised plan for your upgrade by inputting a few details about your home.

Answer a few questions about your home so you can:

Explore tailored upgrade packages based on your home and budget.
See your potential BER (Building Energy Rating) improvement.
Estimate energy savings and breakeven periods.
Compare indicative costs, potential grant savings and upgrade options.
Understand the difference between One Stop Shop and Individual Measure approaches.
Get a customised Home Upgrade Report with a clear overview of your home’s energy performance and potential upgrades.

Visit the PTSB Home Upgrade Hub to start planning and explore your upgrade finance options with our support today.

Helping you find the mortgage that’s right for you

If you’re searching for a new home, choose PTSB for a mortgage experience built around you – with options for energy efficient homes and an online mortgage portal where you can track every step of your application.

Whether you’re building, buying or moving, we have a range of mortgage and rate options available to suit your needs. Use the PTSB Mortgage Rate Selector Tool to explore the options available to you.

You can also get 2% cashback at drawdown and 2% cashback on your monthly mortgage repayments when you pay from an Explore Current Account until 2030, with the PTSB mortgage cashback offer1.

Ready to get started?

Talk to us about your plans at the PTSB Ideal Home Show, our team will be on site at Stand N50 throughout the weekend.

Can’t make the PTSB Ideal Home Show?

We offer multiple ways to get started with PTSB, so you can choose what works best for you:

In-person: You can book an appointment with the PTSB Mortgage Team in-branch or at a time and place that suits.
Online: Use the PTSB online Mortgage Portal to start your application, and track your progress as you go. If you start your application online, you can still meet a Mortgage Consultant at any stage.
Phone: Or you can get started by calling our dedicated Mortgage Team on 0818 50 24 24 to discuss your options. Phone line is open Monday to Friday, 9am to 5pm (excluding public holidays).

Whatever your plans are, simplify your next move with PTSB.

Lending criteria, terms & conditions apply. Over 18s only. Security and Insurance may be required. Permanent TSB plc trading as PTSB is regulated by the Central Bank of Ireland.
PTSB mortgage cashback offer.

Information correct as of 20 January 2026 but is subject to change.

2% cashback at drawdown will be paid on the amount of the mortgagee advanced. 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 30 June 2026) may be extended as PTSB decides. 2% cashback at drawdown 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. Only mortgage payments made by Direct Debit from an Explore Account will get the 2% cashback monthly. 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. 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.

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 and 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.

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

Warning: The cost of your monthly repayments may increase.

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.

The content of this blog does not constitute advice and is for general information purposes only. Readers should always seek professional advice before relying on anything stated in the blog. Some of the links above bring you to external websites. Your use of an external website is subject to the terms of that site.

The PTSB Ideal Home Show runs from 24-26 April, RDS Dublin.

Plan your visit and register for your free tickets HERE!