Mortgages FAQs
Getting ready to apply
What is a First Time Buyer, and what does Fresh Start mean?
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 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?
How can I get a Green Fixed rate?
What is a Foreign Currency Mortgage?
I’ve heard of the Government’s Help to Buy Incentive. Where can I find out more?
I’ve heard of the Government’s First Home Shared Equity Scheme. Where can I find out more?
I’ve heard of the Local Authority Affordable Purchase Scheme or LAAPS, where can I find out more?
Already have an application started
What proof of income is required?
What kind of Insurance do I need to take out with a mortgage?
How long will it take for my loan application to be assessed?
How long does Approval in Principle last?
How do I find my Employment Detail Summary for my Mortgage application?
In our Mortgage checklist we need to provide certified accounts – what are these?
Have an existing mortgage
What is the Mortgage Interest Tax Credit?
Can I make an Overpayment on my Mortgage?
How can I get a Green Fixed rate?
Can I move to a lower Loan to Value (LTV) band on my PDH Mortgage?
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?
How can I get the Higher Value 4 Year Fixed Rate?
No Fees Mortgage Benefit FAQs
How can I avail of 'No Fees' on the current account that pays my mortgage?
From when is the Benefit available?
What are maintenance and transaction fees?
What do I need to receive the No Fees Mortgage benefit?
When will my free banking take effect and how long will I have it?
What if I don't pay my mortgage by direct debit or from an AIB personal current account?
Can I switch my current account to AIB to get this benefit?
If I pay my mortgage from a joint current account can I still get this benefit?
I have a Student Plus or a Graduate account or an AIB Advantage account….what does this mean for me?
Can I change the benefit to another current account?
What happens if I change my direct debit to another AIB current account?
Do any other fees apply to my current account when I have this benefit?
If I have queries in relation to the ‘No Fees’ mortgage benefit who can I contact?
Additional information relating to switching lender or changing mortgage type can be found on the www.ccpc.ie website
Talk to us about your mortgage today:
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