Tusa Financial Services, which is owned by Superquinn and Irish Life and Permanent, is offering a variable mortgage rate of 4.75 per cent with an APR of 4.9 per cent, effective from October 1st. Its one-year fixed rate is 5.4 per cent APR, the three-year fixed rate is 5.5 per cent and the five-year fixed rate is 5.6 per cent. It is offering a rate of 3.5 per cent for demand deposits over £5,000 and 3.75 per cent on one-year fixed term accounts over £5,000.