PTSB First Time Buyer 5 Year Fixed (LTV 80-90%, > €250k)

Being late on mortgage payments may result in losing the house. Borrow responsibly!

About This Mortgage

  • Available to First time buyers.
  • Interest rate is 5% for 5 years, followed by 4.3%.
  • APRC is 4.78%.
  • Minimum loan amount is €250,000.
  • Loan-to-Value between 80% and 90%.


  • A fixed mortgage fixes the interest rate for a term between one and ten years.
  • If the mortgage is repaid earlier, an early repayment fee (also called a breakage charge) is likely to incur.
  • There may be additional charges if you request additional copies of mortgage contract/statement of interest.
  • If you fail to make your mortgage payment in time, a late fee will be charged.
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