permanent tsb Centre
permanent tsb are all about helping you get your dream home, if you’re buying a new home or improving your existing one, they are with you every step of your journey. That’s why for the sixth year in a row they are the title sponsors of the permanent tsb Ideal Home Show, Ireland’s largest home show that brings together a huge range of exhibitors to help you get your ideal home.
Looking for your Ideal Home?
At the show, the permanent tsb team will be on hand at their stand N60, to help with anything you need on your journey to your dream home. So, whether you’re renovating, buying a new home or even building, you can chat to the friendly and helpful experts who are ready to guide you every step of the way.
permanent tsb’s mortgage has been awarded the ‘Best First Time Buyer Mortgage’ at the 2019 Bonkers.ie National Consumer Awards, for the second year in a row. The award winning mortgage offers you 2% cashback at drawdown and 2% cashback on your monthly repayments until 2027, when you pay from an Explore Account*. You can also get flexible options and competitive rates, if you’re a first-time buyer, a mover, a self-builder or a switcher; it’s the mortgage that keeps giving, so you can keep living.
If you are looking to make your existing house more of a home, permanent tsb can help you get there, with home improvement loans up to €75,000. So, be it a lick of paint or a grand design, you can get competitive rates and terms to suit you! You can talk to the team at the show and even start your application on the stand. If you already bank with permanent tsb you can apply online at Open24.ie or on the permanent tsb app. When you apply online you can get approval on your loan in minutes, freeing up your time to look at the exciting things, like that perfect kitchen or attic conversion.
The permanent tsb Centre will be able to provide Mortgage and Home Improvement Loan Approval in Principle in just 15 minutes. So if you’re looking to buy your first home, or revamp your current place, make sure to visit us at stand N60. 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.
Whether you’re a home buyer, improver or anyone in between, come by and meet the permanent tsb team at the show. They look forward to chatting to you at their stand N60, over an exciting and jam packed weekend at the permanent tsb Ideal Home Show.
*Offer available to new applicants who receive full letter of approval before 31/12/2019. 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 and applicants who have drawn down full or part of their funds before 26 August 2017).
Terms and Conditions:
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 IN THE FUTURE.
Mortgage terms and conditions: 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 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 €148,316.80. 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 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.
Home Improvement Loan terms and conditions: Approval in Minutes applies to permanent tsb Current Account salary mandated customers who apply for a loan online or in-app. For online and in-app loans, customers must 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. Online and in-app approval applies to loans up to €25,000. 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. Lending criteria, terms and conditions apply. Subject to affordability assessment. Security may be required. Min. loan amount €1,500. Max. loan amount €75,000. Min. term 6 months (excluding online which is 12 months). Max. term 60 months. Max. term 120 months for Home Improvement Loan. Over 18s only.
permanent tsb p.l.c. is regulated by the Central Bank of Ireland.