Taking the first steps
If you’ve decided to buy your first home… you’ve taken the right step. It’s a big decision but we’ve helped lots of people buy their first home. We can talk to you about:
Saving a deposit
Giving you an idea of how much you could borrow
Getting you ready to apply
If you’re all set to go you can apply online, or if you need help you can make an appointment or chat to a Mortgage Advisor on the phone.
Book an appointment
Your local mortgage advisor can help you with your application.
Book an appointment
Check our rates
Green Fixed Rate
For higher energy rated homes, we are offering our lowest fixed rate of interest.
A fixed rate mortgage has a rate of interest which doesn’t change for a set period of time, so you know exactly how much you pay every month.
Calculate possible mortgage & apply
Find out how much you might be able to borrow using our Mortgage Calculator. When you’re ready to apply for your mortgage talk to our dedicated team of mortgage advisors in branch, over the phone or apply online in your own time.
Get Approval in Principle
Once you have your deposit and have given us your information we will give you an idea of how much you can borrow. We call this Approval in Principle, which means you are one step away from getting the money to buy your new home. It’s not the formal contract, not just yet, but it means you can go house hunting and it stays valid for 6 months.
Log in to My Mortgage web app
With the My Mortgage app, we’ll make the next steps as easy as we can for you. We’ll send you a link to My Mortgage which lets you control the rest of your application on your phone, table or desktop, in your own time and has everything you need in one place.
Find your home & complete your application
Once you’ve found your new home and made an offer, we’ll need to know the property details and the name of your solicitor to finalise your mortgage application. We will also need a Valuation Report on the home and show that you have mortgage protection and home insurance in place.
When all conditions of the mortgage have been met we will send a letter of offer to you and your solicitor, once reviewed and you are happy with the contract, you should both sign the contract and return it to AIB. Once all is in order your solicitor will drawdown your mortgage funds on your behalf.
Benefits of an AIB mortgage
With AIB you can choose from a combination of Fixed and Variable interest rates, available to new and existing customers.
Talk to our dedicated team of mortgage advisors in branch or over the phone. They can help you through the mortgage process.
Bank free of transaction and maintenance fees by paying your AIB mortgage from an AIB current account. There may be some other charges, for example if you go overdrawn without agreement.
Manage your application with My Mortgage
Once you have applied for a mortgage, we’ll make all the next steps as easy as we can for you. We’ll provide you will access to My Mortgage which lets you control the rest of your application on your mobile, tablet or desktop, in your own time.
Through My Mortgage you can see the documents required to support and progress the application. It also provides the ability to upload documents, to review and download your Approval in Principle plus other documents and has a message function to contact one of our Mortgage Advisors whenever you need any help.
Help & support
Home Mortgage Regulatory Information
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.
|Lending criteria, terms and conditions apply. Over 18s only. Security may be required.
|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.|
|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 in the future.