AIB Online Application FAQs
What happens after I have filled in everything on the calculator?
If you are happy with the figures the calculator shows, you can apply online.
Can I apply if I don’t have an account with AIB?
Yes, of course, we’ll be happy to look at your application.
I have already applied for a mortgage with you. Now I want to apply online. Can I do that?
It might confuse things if you apply twice. So the best thing to do is call us on 0818 24 44 25. We can sort out your application for you.
What’s the best format for my login password?
You need at least 8 characters in a mix of letters and numbers, at least one of which is a capital and one of which is a special character that’s not a letter or number.
Do I need any special software to apply online?
You can apply online on most devices, phones, tablets and a pc. It helps to have the latest browser. We use PDFs, so you may need the Adobe Acrobat Reader or a PDF App on your mobile.
When will I get my Approval in Principle (AIP) letter?
When you apply online, you can find your AIP letter in the Documents section.
How long does Approval in Principle last?
Mortgage Approval in Principle (AIP) is valid for 6 months.
I have applied online, but I can’t see my Approval in Principle letter.
At times, some of the IT Services may be unavailable. We’ll ask you to log out and try again and/or refresh the page.
My Approval in Principle asks me to send you documents. When can I do that?
You can upload your documents through the Documents section any time that suits you.
What types of files types can I upload?
We accept most file types: jpg, png, jpeg, pdf.
Can I send documents in by post?
Yes you can. However, as you applied online, the quickest and easiest way to send us documents is to upload them. This is the quickest way for us to check them and get back to you.
I realised after I applied that I got some information wrong. What do I do?
That should not be a problem, in the My Mortgage app you will find details on how to call or message the team.
How do I upload original documents?
If the original document is a PDF document (e.g. Bank eStatements, P60) then you can upload it. You can also take a picture or scan the original and upload the picture. When we get it we will check and verify the document. If there are any problems, we’ll let you know.
What happens when I upload a document?
Once we see the document we will start your case and begin to look at your application.
How do I contact the Mortgage team?
In the My Mortgage app you will find details on how to call or message the team.
What if there is a problem with the document I uploaded?
If there is a problem, we will send you a message with instructions or contact you on the mobile phone number you gave us.
Why do I need to arrange home insurance for the property I am going to buy?
You must have home insurance cover, with at least fire cover in place for us to give you the money for the mortgage. Home insurance should be at least for what it costs to rebuild the property.
If you are buying an apartment, please send us a copy of your building block policy (available from your solicitor). We can help with a Home Insurance quote. Just contact your Mortgage Advisor in your local branch, call 0818 24 44 25, or log on www.aib.ie. You can of course, arrange your own cover if you want to.
Why do I need life cover?
Everyone on the loan must take out life cover, the type of which will depend on the amount, term and type of borrowing. You can contact your local branch to arrange an appointment with a Financial Planning Consultant to discuss your life and/or illness cover options. Find your local branch here. You can, of course, arrange your own cover if you want to.
I’ve uploaded a direct debit mandate. However, I want to change the account number that my mortgage repayments will come from. How do I do this?
The direct debit mandate (DDM) is part of the Letter of Offer we sent you online and in the post. You can fill it in again with the correct bank account and upload it again.
When will I get a letter of offer?
These are the steps that need to take place before we can send you a letter of offer:
o We check and verify all the documents you send us.
o We do a credit assessment on your affordability.
o You confirm the property you wish to buy and give us your solicitor’s details.