The team at permanent tsb recently sat down with Declan O’Donnell, award winning architect and presenter of RTE’s Home Of The Year. They picked his brains and asked for a few tips about buying a home. From checking out planning permissions to hiring architects, Declan gives you the heads up on what to consider when buying a home.
Planning to buy soon? permanent tsb’s 3in1 Mortgage has been created with you in mind. It offers three great benefits designed to help you keep on living after you’ve moved into your new home. What’s more, a dedicated mortgage advisor will help you every step of the way on your home buying journey.
Talk to permanent tsb today. They’ll come to you when it suits to discuss your mortgage and how best they can help you. To book an appointment you can call their dedicated appointment booking line on 1890 500 156 or +353 1 215 1344 visit permanenttsb.ie.
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 for the first €220,000 of a property’s purchase price, with a maximum LTV of 80% for all amounts greater than this. 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 80%. 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 €147,976.80. 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. 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 21/06/2016 but is subject to change.
permanent tsb p.l.c. is regulated by the Central Bank of Ireland.