€1,000
When you get your Mortgage with permanent tsb
Here’s how:
1
You must receive your first mortgage Letter of Approval from permanent tsb between
12/01/2015 to 31/12/2015.
2
The applicant has a permanent tsb current account and has paid at least €1,500 into the account no later than 5 weeks from the date of the issue of the loan cheque, and the mortgage monthly repayments must come from this account. (please see 1b on page 3 for further details.)
3
The €1,000 is a contribution towards the applicant’s legal fees and will be paid directly into the customer’s current account no later than 2 months from the date of issue of the loan cheque. In cases where legal fees have already been paid by the applicant, the
€1,000 is a reimbursement of fees incurred.
4
The offer is only available to First Time
Buyers, Second Time Buyers or Switcher
Customers.

1. permanent tsb will pay the sum of €1,000 to loan applicants who draw down a mortgage loan where:
(a) the loan applicant has received a Letter of Approval from permanent tsb dated between the 12th January 2015 and
31st December 2015 (inclusive) or such other extended date as permanent tsb may decide(“the Qualifying
Period”) where permanent tsb agree to advance a loan to be secured on the applicant’s principal private residence and
(b) the loan applicant has opened a current account with permanent tsb , prior to the issue of the loan cheque ,from which the monthly mortgage repayments will be made(“the
Deduct Account”) and has paid the sum of not less than
€1,500 into the Deduct Account or has mandated the applicant’s wages or salary (or the wages or salary of at least one of the applicants if there is more than one applicant) to be paid into the Deduct Account in a sum of not less than €1,500 per month, the first such payment to be received by permanent tsb not later than 5 weeks from the date of issue of the loan cheque.
2. The loan applicant cannot avail of the Promotion where the loan to be advanced is a Top-up loan, a Tracker Portability loan, a Buy to Let loan, a Negative Equity loan, or where the loan applicant is a member of staff of permanent tsb p.l.c.
3. It is not a condition of the Promotion that the issue of the loan cheque must take place during the Qualifying Period but the loan cheque must issue within 6 months of the date of the Letter of Approval unless such period is extended in accordance with the special conditions of the Letter of Approval and if extended, the cheque must issue before expiry of the extended period.
4. A loan applicant whose initial Letter of Approval is dated before or after the Qualifying Period is not eligible to avail of the Promotion (and similarly any Letter of Approval amending such initial Letter of Approval is not eligible).
5. A loan applicant who has received a Letter of Approval in accordance with condition 1(a) and who has already opened a current account prior to the Qualifying Period and which will become the Deduct Account for which the requirements, as to the payment amount or payment mandate and the time limit for such payment specified in condition 1(b) above have been satisfied ,is eligible to avail of the Promotion.
6. The payment of the sum of €1,000 will be made by permanent tsb by electronic funds transfer into the Deduct
Account not later than two months from the date of issue of the loan cheque.
7. Where a loan has been advanced but the loan amount is subsequently returned by the loan applicant’s solicitor (by reason of the postponement or cancellation of the loan closing or other reason) after the Deduct Account has been credited with the sum of €1,000, the loan applicant must return such sum immediately to permanent tsb .
8. permanent tsb reserves the right to change any of the conditions of the Promotion as it thinks fit subject to applicable law.

Call 1890 500 216
Notes:
(i) Note that it is not a condition of any loan application that the loan applicant must avail of the Promotion. Permanent tsb will accept loan applications and advance loans, if approved, without the need to open a Deduct Account (or any account with permanent tsb ) and make payments in the manner described but the loan applicant will not be able to avail of the
Promotion consequently.
(ii) No cost will be incurred by the applicant where having availed of the promotion, the applicant closes the current account or terminates the mandate in relation to the payment of wages or salary into the permanent tsb current account. Please note that account fees, transaction charges and Government Stamp
Duty charges may be applied to the current account. Please see Personal and Business Banking charges booklet for full information on these fees and charges.
(iii) When opening the current account, the standard current account opening procedure and terms and conditions will apply.
(iv) A satisfactory Valuation Report in respect of the property to be secured must be provided by the applicant(s) prior to the issue of a Letter of Approval and may be obtained after credit Approval in Principle has issued (note credit Approval in
Principle is not a full loan approval. A full loan approval is given when a “Letter of Approval” is issued).
WARNING: IF YOU DO NOT KEEP UP YOUR REPAYMENTS
YOU MAY LOSE YOUR HOME.
WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP
PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED
ON IT.
WARNING: THE PAYMENT RATES ON THIS HOUSING LOAN MAY
BE ADJUSTED BY THE LENDER FROM TIME TO TIME.
Lending criteria, terms, conditions and other restrictions apply. Initial credit approval is provided on request prior to letter of approval, where property has not been identified or a valuation has not been provided. Security and insurance required. Applicants must be aged 18 years or over. For First
Time Buyers a maximum 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.
Lending levels are subject to a total monthly repayment commitment typically not exceeding 35% of disposable income; percentage will vary depending on individual circumstances. The monthly repayment on a 20 year Loan to
Value Managed Variable Rate greater than 80% LTV and less than or equal to 90% LTV mortgage of €100,000 (Annual Percentage Rate of 4.28%) is €616.57. If interest rates increase by 1% an additional €54.48 would be payable per month. Rates correct as at 13/03/2015 but are subject to change. Calls may be recorded. permanent tsb p.l.c. is regulated by the
Central Bank of Ireland.
BMK3082 (03/15)