Why choose AIB for your Mortgage?

AIB Mortgage Rates including variable and fixed for First Time BuyersMovers and Switchers

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

*Delay your mortgage repayment for the first 6 months

**No Fees on the Current Account you use to pay your Mortgage


Existing Private Dwelling House (PDH) mortgage customers may be able to move to a lower Loan to Value rate band

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)

Mortgage Calculator

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 on your journey.

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

First Time Buyers

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

AIB Self-Build Mortgage

Manage your AIB Mortgage

Your Mortgage, Your Way. 

Tracker Interest Rate Mortgage

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

Home Movers Mortgage

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

Negative Equity Mover

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

Top–Up Mortgage

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

Tracker Mortgage Examination

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.

LTV Band Movement

Existing Private Dwelling House (PDH) mortgage customers may be able to move to a lower Loan to Value rate band.

Buy-to-Let Mortgages

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

Mortgage Forms and Documentation

All the forms you need for your mortgage in one place.

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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. Up to 80% loan to value is available for a studio apartment valued at €275,000 or above or a one-bedroom property. We do not lend for the purchase of studio apartments valued at under €275,000.

    • 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, Legal fees, maybe a Surveyor and Stamp Duty. Not forgetting possible repairs and decoration on your new home.

    • A valuation of the property will have to be carried out by a valuer on our residential mortgage valuers panel. This can only be arranged by contacting our Central Valuations Team on 1890 100 051. The valuation will cost you €150.00. If this is carried out more than four months before the requested date of drawdown of the loan or of the final stage payment, a re-valuation will be required and this will cost you €65.00.

    • Once we receive your application and any other information we ask you to give us as set out in the mortgage application checklist we will contact you within three business days to say we have received it.


      a) If there is any information missing we will tell you, within three business days;

      b) We will let you know our decision on your mortgage application within ten business of receiving all the information we need;

      c) If we cannot make a decision within ten business days we will tell you why and when we are likely to make a decision.


    • 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.


    Additional information relating to switching lender or changing mortgage type can be found on the website.

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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.