Why choose AIB for your Mortgage?

*Delay your mortgage repayment for the first 6 months
*Existing customers, you can take a payment holiday from your mortgage for up to 6 months
Competitive rates including variable and fixed for First Time BuyersMovers and Switchers
**No Fees on the Current Account you use to pay your Mortgage

How much can I borrow?

*Subject to approval

**No Fees on the Current Account you use to pay your mortgage offer (Once you have an AIB principal Private Dwelling House (PDH) mortgage and pay by direct debit from an AIB personal current account)

Want to know more about our Mortgage products?

We have the right kind of Mortgage for you, whatever stage you’re at. Whether you are buying your first home, moving home, or interested in an investment property, our expert team of mortgage advisors will help you ‘put down roots’.

Why not visit our Online Calculator to see how much you could borrow and you can also Apply Online

Plus we are the home to the Lowest Standard Variable Rate in the market for our existing customers, this applies to existing SVR owner occupier customers or owner occupier mortgage customers at the end of their fixed rate term.

First Time Buyers

Trying to find the right place for you to live? With mortgage approval that lasts 12 months. you've got time.

Buy-to-Let Mortgages

Control your investment by tracking the entire application on our online system.

Negative Equity Mover

Let's look at the positives. Your mortgage advisor knows how to size things up.

As a thank you for taking a new mortgage...

No fees on the current account you use to pay your mortgage.

Home Movers Mortgage

Ready for a move? Your mortgage advisor knows where everything fits.

AIB SmartMove App

AIB SmartMove App gives you access to a wide range of convenient features, helpful hints and tips about saving, looking and buying a new home.

Tracker Mortgage Redress Statement

AIB is conducting a comprehensive review of customer mortgage accounts with regard to tracker rates.

Switching Mortgage Provider

See how much you can save on the cost of your mortgage with AIB.

Top–Up Mortgage

Building a bit more room with one of our flexible mortgage products.

Tracker Interest Rate Mortgage

When you need to change your mortgage, your mortgage advisor can help keep track of everything.


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    Features and Benefits

    Why choose AIB for your mortgage?

    • Your personal Mortgage Advisor will guide you through the mortgage journey, so you can focus on finding your new home

    • *Delay your mortgage repayment for the first 6 months, subject to approval

    • Mortgage approval for 12 months, giving you time to find the perfect home

    • Competitive rates including variable and fixed for First Time Buyer , Movers and Switchers

    • No Fees - When you have an AIB PDH (private dwelling house) mortgage with us, we'll waive the maintenance and transaction fees on the current account you use to pay your mortgage. All you need to do is set up a direct debit to pay your mortgage from an AIB personal current account

    • **Existing customers, you can take a payment holiday from your mortgage for up to 6 months, subject to approval

    Additional Features and Benefits

    • As a First Time Buyer you will require a deposit of at least 10%. AIB can offer 90% Loan to Value on Mortgages (75% for a one bed property).

    • 30% discount on Home Insurance for all First time Buyers if you have been claim free for 3 years. Subject to a minimum premium of €157.50.

    • Consultation with an AIB financial advisor, which includes an assessment of your life insurance, specified illness and income protection options.

    • You can apply for a Low-cost finance Masterplan Account to help you manage your monthly bills.

    *New owner occupier mortgages only. Repayments will increase over the remaining loan term. Excludes movers in negative equity and self builds.

    **Existing owner occupier mortgage customers not in financial difficulty. Repayments will increase over the remaining loan term.

    How it works

    • You will need to be over 18 and security will be required before you can obtain a mortgage

    • What you can borrow will also depend on what you can comfortably afford to repay monthly, this typically should not exceed 35% of your disposable income, however this may vary according to individual circumstances

    • If you take a Mortgage with a fixed rate of at least one year and decide to repay whole, or part early, if you convert to a variable interest rate, or, if you change to another fixed interest rate you may incur an early breakage cost payable to Allied Irish Banks plc., and/or AIB Mortgage Bank.

    • You will require Mortgage Protection Insurance which can be arranged via AIB or you may purchase this through another Insurance company.

    • Keep in mind you will also need money for Valuation fees (You will need to use a valuer from the AIB Residential Mortgage Valuers panel , Legal fees maybe a Surveyor and Stamp Duty. Not forgetting  possible repairs and decoration on your new home.

    • The valuation report must be dated within four months of the date of the drawdown of funds, otherwise you maybe required to obtain a new valuation. AIB has agreed with the panel a fee of €150 for the initial valuation and €65 for any subsequent valuations should they be required

    • The currency of your loan and repayments will be euro. If the currency of (some of) your income or assets you intend to use to repay the mortgage loan is not euro, and/or you live in a European Economic Area (EEA) state that is not in the euro zone, the mortgage loan is a foreign currency loan.

    You should be aware that fluctuations in the relevant currency exchange rates may affect the value of your outstanding mortgage balance and/or your repayment. This could mean that you may find it difficult to afford your mortgage repayments.

    We can only facilitate one non-euro currency per mortgage application.

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    Home Mortgage Regulatory Information

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Allied Irish Banks, p.l.c. is an authorised agent and servicer of AIB Mortgage Bank in relation to origination and servicing of mortgage loans and mortgages.  AIB Mortgage Bank is regulated by the Central Bank of Ireland.

AIB Home Insurance is exclusively underwritten by AXA Insurance dac. AIB Insurance Services Limited is regulated by the Central Bank of Ireland. Allied Irish Banks, p.l.c. is tied to Irish Life Assurance plc, for life and pensions business. Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland. Irish Life Assurance plc is regulated by the Central Bank of Ireland.

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.