permanent tsb Centre

permanent tsb is delighted to be back as the title sponsor of the permanent tsb Ideal Home Show. We’ll be at stand N60 all weekend where our team will be on hand to help with your financial queries, offering information on our range of products such as mortgages and home improvement loans. So feel free to pop by for a chat! We’ll also be able to provide mortgage and home improvement loan Approval in Principle in just 15 minutes at our stand. So if you’re looking to buy your first home, build your dream home, or just improve your current place make sure to visit us.

permanent tsb Approval in Principle outlines how much we could lend you and is based on the information you provide us in a 15-minute, informal financial chat with a member of our team. While it’s not legally binding, it’ll give you a good indication of how much we could lend you. How much we’ll lend will be based on a full credit assessment.

Mortgages:

We’ll make applying for your mortgage as simple and straightforward as possible, offering flexibility and affordability in a way that suits you best.

Our latest mortgage offering was recently voted the Best First-Time Buyer Mortgage in Ireland at the Bonkers.ie National Consumer Awards. We can talk to you about this award-winning mortgage which offers you 2% cashback at drawdown and now 2% cashback on your mortgage repayments, every single month, right up to 2027*. Our team will take you through all the relevant information you need to know, from choosing the right mortgage rate to explaining anything you might be unsure of.

For somebody looking to buy or build their first home, getting a mortgage can seem like a complex and daunting process. That’s why our experienced mortgage consultants are here to support our customers at every step of the way, offering guidance and help when we know our customers need it most” Edward Kearney, Head of Branch Management. 

Home Improvement Loans:

We know you’re always looking for ways to try improve your home so whether you’re looking to extend, renovate, or just upgrade some kitchen appliances, make sure to visit us at stand N60 to talk to us about a loan for any of your home improvement needs.

Terms and Conditions:

Mortgages

*Offer available to new applicants who receive full letter of approval between 26/08/2017 and 31/12/2018.

2% cashback at drawdown will be paid on the amount of the mortgage advanced. Excludes tracker portability or negative equity customers (including any additional funds). Excludes buy-to-let, equity release, home improvement mortgage loans or applicants who have drawn down full or part of their funds before 11/01/2016.

2% cashback monthly will be paid until 31/12/2027. Your monthly mortgage repayment must be made from a permanent tsb Explore Account and meet qualifying criteria. The Explore Account carries a €4 monthly maintenance fee, unpaid items and other charges may apply. eStatements only. 2% cashback monthly offer applies to home loans only (i.e. excludes buy-to-let).

Lending criteria, terms and 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 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 4.20% on a mortgage of €100,000 is €616.57 for 240 months. Total amount repayable is €148,216.98 . If interest rates increases by 1% an additional €54.48 would be payable per month. For this example, Annual Percentage Rate of Charge (APRC) of 4.32% applies and consists of variable borrowing rate of 4.20%, valuation fee of €130, Property Registration Authority (PRA) fee of €175, and security vacate fee of €35. Please note – this APRC does not factor in the €4 monthly Explore Account maintenance fee. 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 26/03/2018 but is subject to change.

Lending

Approval is subject to our lending criteria, terms and conditions. Minimum loan amount €1,500. Maximum loan amount €75,000. Minimum loan term is 6 months and the maximum term is 10 years. Your application will be subject to a full credit assessment. Lending criteria terms and conditions apply. Over 18s only.

For online approval in minute applicants must be registered for Open24 online banking. Full online approval in minutes applies to permanent tsb, salary mandated Current Account customers. Loan can only be taken out in your sole name. Loan must be drawn down to a permanent tsb Current Account. The account from which you wish to pay back your loan must be a permanent tsb Current Account. Full online approval in minutes is subject to a maximum loan amount of €25,000. Minimum loan term is 1 year and the maximum loan term is 5 years.

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