permanent tsb Centre
As title sponsor permanent tsb is delighted to be bringing new and better ways to bank to the permanent tsb Ideal Home Show. As title sponsor you can find us at N60 Stand where you can call in and talk with our team who will be on hand to help with all your financial needs including mortgages, home insurance, current accounts, personal loans and much more.
We will 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 improve your home or buy a new one make sure to visit us. Approval in principle outlines how much permanent tsb could lend you based on the information you provide in a 15 minute financial chat with a member of our mortgage team. However it is subject to a full credit and suitability assessment and it is not legally binding but it’s a good way to get started.
We understand your mortgage is a big financial commitment and it’s important for you to make the right decision for you and your family. Permanent tsb make applying for a mortgage as simple and straightforward as possible offering flexibility and affordability in a way that suits you. We will also be able to talk to you about our new mortgage that offers you 2% cashback at drawdown and now 2% cashback on your 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 are unsure of, allowing you get back to finding the right home.
“For somebody looking to get into their dream home, getting a mortgage can seem like a complex and stressful process. Our mortgage consultants are here to help them with that part of the journey, providing the support they will need in buying the house they want, and letting them concentrate on making it a home.” Edward Kearney, Head of Branch Management.
Permanent tsb understand that your needs change over time and you want to continue to make your home the best it can be whether it’s an extension, a renovation or an upgrade to some kitchen appliances. Make sure to come visit us at Stand N60 to talk to us about permanent tsb Home Improvement loans for all your home improvement needs.
Marcus Brady, Head of Consumer Finance says “We have listened to our customers and have designed our loans to meet our customers’ needs which include speed, simplicity and saying yes to their lending needs. We have made our personal loan application process faster and simpler whether you apply online, over the phone or in branch. For example our online personal loan service means our current account customers can receive online approval in minutes for loans up to €25,000 and transfer the loan funds into their current account instantly. Whether it’s a new bedroom or bigger kitchen, we have products specifically tailored to suit customer’s needs and we are available to discuss these options at the show”
We know home is where the heart is and we want to help you protect what matters most. We also offer a wide range of cover, from home and contents, contents only, holiday homes, investment properties and even have a cover for when your home is under construction. Also our home insurance covers you for loads of small things you might not have thought about and you can tailor your policy to suit you.
For all you home buyers, home improvers and everyone in between, come and meet the team at the show.
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.
*Offer available to new applicants who receive full letter of approval between 26/08/2017 and 31/03/2018.
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 & 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 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 29/05/2017 but is subject to change.
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.
Approval is subject to our lending criteria terms & conditions. Minimum loan amount €1,500 and maximum loan amount €75,000. Minimum term is 6 months and maximum term is 120 months. Your application will be subject to a full credit assessment. Lending criteria terms and conditions apply. Over 18s only.
Online Personal Loan Service: Applicants must be registered for Open24 online banking. Full online approval in minutes applies to permanent tsb Current Account salary mandated 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 max loan amount of €25,000.
permanent tsb p.l.c. is a Single Agency Intermediary of Allianz p.l.c. for Home Insurance. permanent tsb Home Insurance is underwritten by Allianz p.l.c.. Allianz p.l.c is regulated by the Central Bank of Ireland.
permanent tsb p.l.c. is regulated by the Central Bank of Ireland.