Electric Ireland Superhomes | AIB

Find out how much you can borrow

We can help you with your plans. Choose what you want to do.

Let’s look at your options

There might be more than one way to pay for your home improvements. Take a look at your options.

How much are you looking to borrow? e.g. €25,000

For how long? e.g. 10 years

Do you have a mortgage with AIB?

Will the work you plan to do improve the energy efficiency of your home?

This information is provided for illustrative purposes only based on limited information and is not an offer of a loan. It does not constitute a contract. The actual amount you can borrow and how long you can borrow for will depend on your circumstances and is subject to lending criteria, terms and conditions.

We are not recording and will not use the information quoted by you in this calculator.

Certain assumptions have been made when calculating these amounts including that the loan is drawn down today and that repayments are made monthly. Any change in the interest rate, drawdown day, first repayment date or repayment frequency will change these figures. The total amount repayable and cost of credit are based on the assumption that the interest rates remain unchanged for the duration of the loan term.

Additional fees may apply for early repayment of a fixed rate agreement or if an account falls into arrears.

Personal Loan result:

Results are based on the current offered rate for the loan type selected, which is variable. The Annual Percentage Rate (APR) quoted for personal loans is based on a typical loan with a variable interest rate in line with the loan type selected and is not specific to the loan details you have entered.

Lending criteria, terms and conditions apply. Personal loans are only available to over 18s. Subject to approval. Security may be required.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire- purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.

SBCI Home Energy Upgrade Loan Scheme Result:

The interest rate on your loan has been reduced in part, due to a 2% per annum subsidy paid to AIB by the government through the SBCI scheme. The subsidy is paid as long as you continue to qualify for this loan as outlined in the terms and conditions. You don’t have to do anything. The interest rate is variable and is calculated daily on the cleared debit balance on the loan. The interest rate may fluctuate over the period of the loan but your repayments stay fixed throughout. If interest rates rise during the loan term, you may have to make some extra payments at the end of the term and if the rate on your loan falls, you may pay off your loan earlier.

The Home Energy Upgrade Loan Scheme is offered by the Strategic Banking Corporation of Ireland (SBCI) with the support of the Department of the Environment, Climate and Communications, the European Investment Bank and the European Investment Fund. The Home Energy Upgrade Loan Scheme benefits from a guarantee from the European Union.

The Top-up Mortgage result:

A Top-up mortgage is only available to existing AIB mortgage customers. If you’re considering a Top-up mortgage which is a second mortgage loan on your home, the amount you can borrow depends on factors including the balance on your current AIB mortgage loan, the value of your home, what you can afford to repay, what you plan to spend the money on and more.

Results are based on the current 5 year Fixed rate for the loan type selected at 50-80% Loan to Value (LTV), followed by the current 50-80% LTV variable rate for the remainder of the term. For variable rates, we calculate the Annual Percentage Rate Charges on the basis that the current rate will remain unchanged for the full term of the loan.

Our Annual Percentage Rate Charges include valuation fees of €150 and €65 and a €60 security release fee (at the end of the mortgage term). You may need to pay solicitor’s fees, review your home insurance and property insurance and more if you choose a Top-up mortgage.

If you break out of a fixed rate before that rate ends we may charge you a breakage cost. For further information please click the Home Mortgage Regulatory Information.

Warning: If you do not keep up your repayments you may lose your home.

Warning: You may have to pay charges if you pay off a fixed-rate loan early.

Warning: The cost of your monthly repayments may increase.

Tel: +353 (0)1 6600311. Registered in Ireland: Registered No. 24173 Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland. Copyright Allied Irish Banks, p.l.c. 1995

Allied Irish Banks, p.l.c. is an authorised agent and servicer of AIB Mortgage Bank u.c. in relation to origination and servicing of mortgage loans and mortgages. AIB Mortgage Bank u.c. is regulated by the Central Bank of Ireland

Green Living: Electric Ireland Superhomes

Electric Ireland Superhomes One Stop Shop for your home energy retrofit.

If you are planning to DO MORE or you’ve decided to go for a retrofit through Electric Ireland Superhomes One Stop Shop - find out how AIB can back you with our green finance options.

Help at hand

Building, buying, or renovating, we can inspire and help you as you change to a more energy efficient and sustainable home.


Electric Ireland Superhomes

 Transform your home into a Superhome with Electric Ireland Superhomes, Ireland’s leading retrofit One Stop Shop.
Electric Ireland Superhomes’ whole house solution has a fossil fuel free, renewable energy focused approach with a heat pump at the core, and results in lower energy bills and significantly reduced carbon emissions.
They’ll look after all the key stages of a home energy retrofit, from initial design through to project completion along with management of SEAI grant funding.
Their aim is to provide homeowners with peace of mind, quality assurance and when the retrofit is complete, the best home possible.
 If you’ve already decided to go for it and begin your home’s retrofit journey with Electric Ireland Superhomes, AIB can support you with finance
In our pledge to DO MORE, AIB have developed some lower rate green finance options that could help to pay for your home energy upgrade. Click below to find out.
Women making changes to home



Green finance options

Let’s take a look at some lower rate green finance options developed as part of our pledge to DO MORE.

Green 5 year fixed rate mortgage

If you are buying, building or switching to a high energy rated home, we are offering a lower rate of interest. 

Top-up mortgage

If you are an existing AIB mortgage customer you could borrow against the equity in your home to pay for energy efficiency improvements.

Green personal loan

With a green personal loan from AIB, you can make your new car or home improvements a more sustainable choice.




Explore home energy upgrade options


Solar PV panels

By generating renewable energy from the sun solar PV panels generate electricity, lowering energy bill costs and reducing the reliance on non-renewable energy sources.

(Source: SEAI)

Solar thermal collectors

By capturing energy from the sun solar thermal collectors can transform this energy into hot water, reducing the reliance on non-renewable energy sources to heat the water in our homes.

(Source: SEAI)


Insulation is an important factor to get right and should be first priority when upgrading your home. It keeps heat in and minimises costs. Think top down — start with the attic, walls, then floors.

(Source: SEAI)

Windows & doors

When upgrading the insulation of your home don’t forget about windows and doors. Older windows and doors may need to be replaced to prevent heat loss. Up to 10% of the heat in your home can be lost trough inefficient and poorly insulated windows and doors. (Source: SEAI)

Ventilation system

Once your home is airtight and well insulated, it’s important to have good ventilation. Well ventilated homes have better air quality and reduced chances of developing mould or condensation. Check out SEAI’s Homeowners Guide to Ventilation by clicking here.


Underfloor heating

Underfloor heating doesn’t need to reach as high temperatures as traditional radiators to heat a room as effectively meaning it’s not only easier form a design and space point of view but it can be a more energy efficient option. (Source: Warmup)

Heat pump

Installing a heat pump will help control the heating and cooling of your home efficiently while saving you money on energy bills and reducing your carbon footprint.

(Source: SEAI)



Upgrading to a greener home

Whether you are buying new, upgrading or building the dream  help is at hand.


Upgrading or buying an older home

 No two home energy upgrades are the same and a number of factors will determine the extent of work that will be needed.
 Insulation is an important factor to get right. It keeps heat in and minimises costs. Think top down  start with the attic, walls, then floors. You might need to look at upgrading doors and windows too if they are older.
 Finding out the BER (Building Energy Rating) of the property is a good place to start. The lower the BER, the more work that will be needed to make your home energy efficient.

       Click here to go to our BER explained section to find out more.
 An extensive home energy upgrade will consider:
    Wall, floor and attic insulation.
    Upgrading of windows and doors.
    Renewable energy systems such as solar panels.
    Renewable heating systems such as an air source heat pump.
    Ventilation Systems.
(Source: SEAI)
man insulating home

Building Energy Rating (BER) explained

A simple A to G scale that will help you understand the energy performance of your home. A rated homes are the most energy efficient, cost the least to run and produce the least carbon. The opposite can be said for G rated homes.

Top tips to improve the BER of your home

One of the most effective things you can do for both the planet and your pocket is to look at the way your home uses energy. We’ve crafted some advice into 9 top tips that could just help.

SEAI BER ratings

Find out how to locate the BER rating of your home if it exists, how to schedule and prepare for a BER assessment. Also there’s help understanding the BER advisory report.

SEAI home energy grants

Insulation, solar panels, heat pump upgrades and much more. Find out what grants are available that could help upgrade your home and lower your energy bills. 



We Pledge To DO MORE

Over the last number of years we have been working to build a more sustainable business. We've invested in wind energy projects, launched a €10 billion climate action fund and created a green mortgage.

And yet, it's still not enough. And we will keep telling ourselves that every day. AIB alone is not the solution to climate change, but we are doing everything we can to be a part of it.

Find out more



Important/Regulatory Information

The above content is expressed in broad terms and is limited to general information purposes only. Readers should always seek professional advice to address issues arising in specific contexts and not seek to rely on the above information which does not constitute any form of advice or recommendation by AIB.
If you’re planning energy efficiency improvements to your home you could apply for the AIB Green Mortgage rate once your top up mortgage loan is fully drawn down and you supply us with a valid BER Cert showing us that your home now has a BER rating between A1 and B3. A valid Building Energy Rating (BER) Certificate is required to confirm eligibility.
Some of the links above bring you to external websites. Your use of an external website is subject to the terms of that site.
Allied Irish Banks, p.l.c. is an authorised agent and servicer of AIB Mortgage Bank u.c. in relation to origination and servicing of mortgage loans and mortgages. AIB Mortgage Bank u.c. is regulated by the Central Bank of Ireland.