Mortgages FAQs

Mortgages FAQs

How do I know how much to save to buy a home?

I have inherited/been gifted a property, am I a First Time Buyer?

Can a site be used as a deposit for a mortgage?

How does AIB calculate how much I can borrow?

What proof of income is required?

What else do I need to know when applying for a mortgage?

Why do I need to provide my PPSN /TRN number when I’m applying for a mortgage?

What do Lenders look for in my bank statements when applying for a loan/mortgage?

I am a First Time Buyer – what documentation do I need to supply with my mortgage application?

I am self-employed/company director – can I get a mortgage?

I have a site and am planning to build my own home can I get a mortgage?

What kind of Insurance do I need to take out with a mortgage?

What is the difference between the Interest Rate and the APR?

What other costs may be associated with purchasing a property?

What Interest Rate options does AIB offer?


Can I move to a lower Loan to Value (LTV) band on my PDH Mortgage?


What is a Foreign Currency Mortgage?

I’ve heard of the Government’s Help to Buy Incentive. Where can I find out more?

What is a Payment Holiday?

What is a Deferred Start?

How long will it take for my loan application to be assessed?


Can I get a comparison of my current interest rate and an alternative interest rate on my mortgage?

What is Fixed Rate Mortgage breakage costs?

Can I Change the Date my Mortgage is Paid?

Can I Reduce the Term of my Mortgage?

Can I change the Account my Mortgage is Paid From?

How Much do I Owe on my Mortgage?


Additional information relating to switching lender or changing mortgage type can be found on the website

Talk to us about your mortgage, you can…

  • Request a call back from one of our Mortgage Advisor
  • Book appointment in your local branch
  • New Mortgage Customers, for further information on arranging your mortgage please phone our Mortgage team at 1890 24 24 25 (Monday to Friday 8am to 9pm, Saturday 9am to 6pm).
  • Existing Mortgage Customers, if you have other questions or would like further information and would like to speak to an AIB Mortgage advisor please phone our Direct Banking team at 1890 25 20 08 (Monday to Friday 9am to 5pm)

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    Homes Mortgages Regulatory Information

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