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.

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