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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?

What is BER and how does it affect my mortgage application?

What is happening to BER certificates on 24 May?

Does this mean my current BER certificate is no longer valid?

When can I get more Information on BER Certificates?

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?

What is a Deferred Start?

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?

What is a Revenue form 11?

What will you accept instead, if I don’t have a Form 11?

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?

What is happening on 24 May?

Does this mean my current BER certificate is no longer valid?

When can I get more Information?

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

What is a Payment Break?

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?

How can I pay for home improvements?

I want to receive correspondence from you about my mortgage, but I live at a different address to where you send correspondence.

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 CCPC Website.

 

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