permanent tsb Centre

permanent tsb are all about helping you on your home journey, whether you are looking to buy your first home or improve your existing one, they are with you every step of the way. That’s why permanent tsb are proud to be the title sponsors of Ireland’s largest home show event for the seventh year in a row that brings together a huge range of exhibitors to help you get your ideal home.

Looking for your Ideal Home?

At the permanent tsb Ideal Home Show, the permanent tsb team will be on hand, to help with anything you need to get your dream home. So, whether you’re thinking of 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.

Not only will you have the permanent tsb experts on hand at the show but you can also get an award winning Mortgage.  The permanent tsb 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.

Liking the look of a new kitchen or an attic conversion?  The team can help you bring your ideas to life with Home Improvement Loans up to €75,000. Whether you’re thinking of a home make-over or a fresh layer of paint, you can get competitive lending rates and terms to suit your needs. The permanent tsb team will be ready to chat though any of your questions and they can even start your application. If you already bank with permanent tsb you can apply online at Open.24 or on the permanent tsb app, allowing you to get loan approval in minutes, into your account instantly. Freeing up your time to look for that perfect kitchen or deciding on your new interior design.

*Offer available to new applicants who receive full letter of approval between 26/08/2017 and 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 €6 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. 2% cashback monthly offer applies to home loans only (i.e. excludes buy-to-let).

Terms and Conditions:

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 3.90% on mortgage of €100,000 is €600.72 for 240 months. Total amount repayable is €144,533.76. If interest rates increase by 1% an additional €53.72 would be payable per month. For this example, Annual Percentage Rate of Charge (APRC) of 4.01% applies and consists of variable borrowing rate of 3.90%, 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 €6 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 19/03/2021 but is subject to change.

Home Improvement Loan terms and conditions: Into your account instantly and approval in minutes applies to permanent tsb current account salary mandated customers who are approved loans up to €25,000. Customers must apply online or in-app and be registered for Open24 Online Banking. Customers may have to upload their PPSN document (Notice of Tax Credit, P60 or P21) through the desktop or app. 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. 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.