Lenders · PTSB
PTSB: what it offers and who it suits
Checked 21 Oct 2026PTSB's own pages and the Central Bank register.
Buyers comparing cashback against a lower 4 year rate without it; a wide range of fixed terms and a green rate for a BER of A or B.
- Regulated as
- a bank by the Central Bank of Ireland
- How to apply
- Direct, or through a mortgage advisor
- Overpay on a fixed rate
- 10% of the balance a year without a fee
- Longest term
- 35 years, to age 70
- Switcher offer
- 2% cashback2% cashback at drawdown on the new-business rates, except the 4 year fixed rate.
- First-time buyers
- 2% cashback at drawdown on the new-business rates, except the 4 year fixed rate.
- Green rate
- Yes, for a BER B3 or better
- The lender’s own rates page
- www.ptsb.ie/mortgages/mortgage-interest-rates/
Rates checked
| Cashback | Checked | |||||
|---|---|---|---|---|---|---|
| 4 year fixed, up to 60% LTV | up to 60% LTV | 4 yr | 3.00% | 3.96% | none | 21 Oct 2026 |
| High Value green 5 year fixed, up to 60% LTVBER B3 or betterloans from €250,000 | up to 60% LTV | 5 yr | 3.25% | 3.97% | 2% | 21 Oct 2026 |
| 4 year fixed, 60% to 80% LTV | 60% to 80% LTV | 4 yr | 3.25% | 4.12% | none | 21 Oct 2026 |
| 7 year fixed, up to 60% LTV | up to 60% LTV | 7 yr | 3.35% | 3.86% | 2% | 21 Oct 2026 |
| Green 5 year fixed, up to 60% LTVBER B3 or better | up to 60% LTV | 5 yr | 3.35% | 4.02% | 2% | 21 Oct 2026 |
| High Value 5 year fixed, up to 60% LTVloans from €250,000 | up to 60% LTV | 5 yr | 3.35% | 4.02% | 2% | 21 Oct 2026 |
| High Value green 3 year fixed, up to 60% LTVBER B3 or betterloans from €250,000 | up to 60% LTV | 3 yr | 3.35% | 4.20% | 2% | 21 Oct 2026 |
| High Value green 5 year fixed, 60% to 80% LTVBER B3 or betterloans from €250,000 | 60% to 80% LTV | 5 yr | 3.35% | 4.07% | 2% | 21 Oct 2026 |
| Green 3 year fixed, up to 60% LTVBER B3 or better | up to 60% LTV | 3 yr | 3.45% | 4.23% | 2% | 21 Oct 2026 |
| High Value 3 year fixed, up to 60% LTVloans from €250,000 | up to 60% LTV | 3 yr | 3.45% | 4.23% | 2% | 21 Oct 2026 |
| 7 year fixed, 60% to 80% LTV | 60% to 80% LTV | 7 yr | 3.45% | 3.97% | 2% | 21 Oct 2026 |
| Green 5 year fixed, 60% to 80% LTVBER B3 or better | 60% to 80% LTV | 5 yr | 3.45% | 4.12% | 2% | 21 Oct 2026 |
| High Value 5 year fixed, 60% to 80% LTVloans from €250,000 | 60% to 80% LTV | 5 yr | 3.45% | 4.12% | 2% | 21 Oct 2026 |
| 5 year fixed, up to 60% LTV | up to 60% LTV | 5 yr | 3.50% | 4.09% | 2% | 21 Oct 2026 |
| High Value green 3 year fixed, 60% to 80% LTVBER B3 or betterloans from €250,000 | 60% to 80% LTV | 3 yr | 3.50% | 4.32% | 2% | 21 Oct 2026 |
| 4 year fixed, 80% to 90% LTV | 80% to 90% LTV | 4 yr | 3.50% | 4.35% | none | 21 Oct 2026 |
| High Value green 5 year fixed, 80% to 90% LTVBER B3 or betterloans from €250,000 | 80% to 90% LTV | 5 yr | 3.50% | 4.25% | 2% | 21 Oct 2026 |
| Green 3 year fixed, 60% to 80% LTVBER B3 or better | 60% to 80% LTV | 3 yr | 3.55% | 4.33% | 2% | 21 Oct 2026 |
| High Value 3 year fixed, 60% to 80% LTVloans from €250,000 | 60% to 80% LTV | 3 yr | 3.55% | 4.33% | 2% | 21 Oct 2026 |
| 5 year fixed, 60% to 80% LTV | 60% to 80% LTV | 5 yr | 3.60% | 4.19% | 2% | 21 Oct 2026 |
| 7 year fixed, 80% to 90% LTV | 80% to 90% LTV | 7 yr | 3.60% | 4.14% | 2% | 21 Oct 2026 |
| Green 5 year fixed, 80% to 90% LTVBER B3 or better | 80% to 90% LTV | 5 yr | 3.60% | 4.30% | 2% | 21 Oct 2026 |
| High Value 5 year fixed, 80% to 90% LTVloans from €250,000 | 80% to 90% LTV | 5 yr | 3.60% | 4.30% | 2% | 21 Oct 2026 |
| 3 year fixed, up to 60% LTV | up to 60% LTV | 3 yr | 3.65% | 4.29% | 2% | 21 Oct 2026 |
| High Value green 3 year fixed, 80% to 90% LTVBER B3 or betterloans from €250,000 | 80% to 90% LTV | 3 yr | 3.65% | 4.51% | 2% | 21 Oct 2026 |
| Green 3 year fixed, 80% to 90% LTVBER B3 or better | 80% to 90% LTV | 3 yr | 3.70% | 4.52% | 2% | 21 Oct 2026 |
| High Value 3 year fixed, 80% to 90% LTVloans from €250,000 | 80% to 90% LTV | 3 yr | 3.70% | 4.52% | 2% | 21 Oct 2026 |
| 3 year fixed, 60% to 80% LTV | 60% to 80% LTV | 3 yr | 3.75% | 4.40% | 2% | 21 Oct 2026 |
| 5 year fixed, 80% to 90% LTV | 80% to 90% LTV | 5 yr | 3.75% | 4.37% | 2% | 21 Oct 2026 |
| 3 year fixed, 80% to 90% LTV | 80% to 90% LTV | 3 yr | 3.90% | 4.59% | 2% | 21 Oct 2026 |
| 2 year fixed, up to 60% LTV | up to 60% LTV | 2 yr | 4.05% | 4.46% | 2% | 21 Oct 2026 |
| 2 year fixed, 60% to 80% LTV | 60% to 80% LTV | 2 yr | 4.20% | 4.57% | 2% | 21 Oct 2026 |
| Managed variable, up to 60% LTV | up to 60% LTV | variable | 4.40% | 4.54% | none | 21 Oct 2026 |
| 2 year fixed, 80% to 90% LTV | 80% to 90% LTV | 2 yr | 4.40% | 4.78% | 2% | 21 Oct 2026 |
| Managed variable, 60% to 80% LTV | 60% to 80% LTV | variable | 4.50% | 4.64% | none | 21 Oct 2026 |
| Managed variable, 80% to 90% LTV | 80% to 90% LTV | variable | 4.70% | 4.85% | none | 21 Oct 2026 |
How it compares
See PTSB beside every other lender on the rates comparison, and check what a switch would save after fees with the switching calculator. Before you deal with any lender or advisor, check the Central Bank register.
Information, not advice. Nothing here is a recommendation; the right lender depends on your own circumstances, which only a lender or a regulated advisor can assess. Last checked 2026-10-21. MortgageWise is an independent site, not connected with the Central Bank of Ireland, Revenue, the Housing Agency, any local authority, any lender or any Government department. It is not a lender, a mortgage broker, a credit or insurance intermediary, a solicitor, a tax adviser or a financial adviser. It covers the Republic of Ireland only. Before you sign anything, talk to a solicitor and, for advice on a mortgage, to an advisor regulated by the Central Bank of Ireland.