Welcome to AIB
Information Hub
|
Ulster Bank Review of Mortgage Accounts:Ulster Bank has identified a mortgage system-generated error which may have impacted certain customer mortgage accounts which have transferred to AIB. Ulster Bank is currently carrying out a comprehensive review of mortgage accounts to establish full impact. This is being done on a phased basis and any impacted customers will receive a letter over the next several months. Here are some helpful Q&A’s about the Ulster Bank Review of Mortgage Accounts For further information, please contact Ulster Bank on 1800 719 874 (or 00 353 1 531 7180) if calling from abroad, or search for information on the Ulster Bank Support Hub. |
|
Internet Banking:If you would like to get online access via Internet banking or the Mobile App and you have an AIB personal Current Account, you will need to register for Online Banking. Please see the Q&A “Can I get online access via Internet banking or the Mobile App to view my mortgage balance?” below for the steps to follow. If you do not have an AIB personal current account, we can tell you your mortgage loan account(s) balance and any other information over the phone. Please call our team on 0818 251 008 (+353 818 251 008 from abroad). |
|
If you make an overpayment to your mortgage account and would like confirmation of the lodgement made and your new mortgage account balance, you can contact our team on 0818 251 008 (+353 818 251 008 from abroad) to confirm this information. You can also request an ad hoc mortgage account statement at any time. |
If you are a customer who received a letter from Ulster Bank in July 2023 / September 2024, letting you know your mortgage loan has moved to us, we would like to welcome you to AIB. The day-to-day management and servicing of your mortgage loan has moved to us.
Our purpose is to empower people to build a sustainable future. Whether that be adapting to a greener way of living, planning for the future, growing a business or simply navigating day-to-day banking, our ambition is to be at the heart of all our customers’ financial lives. We look forward to supporting you through this transition.
We have created this Information Hub with helpful Q&A's to support you in answering any questions you may have now that your mortgage has moved to us.
Questions and Answers about an ECB Rate Change
- There was an ECB interest rate change. What does this mean for me?
- I think my tracker mortgage repayment amount is changing. Why is this happening?
- When will my mortgage repayments and tracker interest rate be changing?
- Why is my mortgage repayment not changing until the next month?
- How does a tracker mortgage work?
- What will happen if the European Central Bank (ECB) rate changes in the future?
- I pay by direct debit. What do I need to do?
- I pay my mortgage by standing order, what do I need to do?
- I have more than one mortgage account for my property, how do I get my combined monthly direct debit amount?
- I recently requested to move off my tracker interest rate. Why did I get a letter about a change to my tracker interest rate?
Questions and Answers about your Mortgage Moving
- When did my mortgage loan move to AIB?
- Will AIB write to me about this move?
- Do I need to do anything now?
- What has stayed the same now that my mortgage loan account(s) have moved to AIB?
- Has my interest rate changed?
- Part of my mortgage is on a variable rate. What will happen to my variable rate when my mortgage moves to AIB?
- How do I change the interest rate on my mortgage?
- Where can I get a copy of the Welcome Pack?
- How do I contact AIB if I have a question about my mortgage loan?
- Are there any changes to the fees and costs of my mortgage now that it has moved to AIB?
- Can I get free maintenance and transaction fees as a mortgage customer?
- Can I get a copy of my Ulster Bank mortgage loan offer now that my mortgage has moved to AIB?
- I’m acting as a guarantor on a mortgage that has moved to AIB. Do I need to do anything?
- Do I need to update my life insurance policy now that my mortgage has moved to AIB?
- Do I need to update my home insurance policy now that my mortgage has moved to AIB?
- Do I need to open a current account with AIB?
- I would like a redemption figure for my mortgage loan balance. How do I ask AIB for this?
- I make Fixed Overpayments on my mortgage loan. Has the way I do this changed now that my mortgage loan has moved to AIB?
- I would like to make an unscheduled Overpayment on my mortgage to reduce the mortgage term or to reduce my normal monthly repayment amount. How can I do this?
- I am on a fixed interest rate and overpay my mortgage. Can I still do this now my mortgage has moved to AIB?
- Can I request a mortgage statement and/or Certificate of Interest?
- Can I get online access via Internet banking or the Mobile App to view my mortgage balance?
- I have a flexible payment option. Has this changed now my mortgage has moved to AIB?
- I have an alternative repayment arrangement. Has this changed now my mortgage has moved to AIB?
- If my Direct Debit bounces, will you try to re-present it?
- How is interest calculated on my mortgage loan?
- How is my mortgage loan reported to the Central Credit Register?
- I had an open complaint with Ulster Bank when I moved to AIB, who do I contact about it?
- I have a nominated Third-Party Authority acting on my behalf for my mortgage loan. Has this nominated Third-Party Authority moved from Ulster Bank to AIB?
Questions and Answers about Managing your Mortgage
- Can I request a mortgage statement and/or Certificate of Interest?
- Can I still get single statements for all my mortgages on my property?
- How do I read my mortgage statement?
- I am a guarantor on a mortgage. Will I be sent an Annual Mortgage Statement?
- I am a Third-Party Authority (TPA), will I get an Annual Mortgage Statement for the account I am a TPA on?
- I want to appoint a Third-Party Authority (TPA) to deal with my mortgage. How do I do this?
- When will I be sent my Annual Mortgage Statement and Certificate of Interest for the time that my loan was with Ulster Bank?
- What is the Mortgage Interest Tax Credit?
- Can I get online access via Internet banking or the Mobile App to view my mortgage balance?
- Can I use the “My Mortgage” App to see my mortgage account details?
- I have a nominated Third-Party Authority acting on my behalf for my mortgage loan. Has this nominated Third-Party Authority moved from Ulster Bank to AIB?
Questions and Answers about Payments and Overpayments
- Does the way I repay change?
- I prefer to make a single payment for all my mortgages on my property, can I still do this?
- I have a flexible payment option. Has this changed now my mortgage has moved to AIB?
- I would like a flexible payment option. How do I get one?
- I have an alternative repayment arrangement. Has this changed now my mortgage has moved to AIB?
- How do I set up a direct debit?
- Can I have more than one Direct Debit?
- If my Direct Debit bounces will you try to re-present it?
- How is interest calculated on my mortgage loan?
- Will I have to pay surcharge interest if I miss a repayment?
- How is my mortgage loan reported to the Central Credit Register?
- I would like to make a Fixed Overpayment on my mortgage
- I would like to make an unscheduled Overpayment on my mortgage to reduce the mortgage term or to reduce my normal monthly repayment amount. How can I do this?
- I want to make an overpayment on my mortgage without paying an early repayment charge
- I want to make an Overpayment to fund future monthly repayments
- How do I make an overpayment?
- How will AIB consider my overpayment if I have missed a repayment on my mortgage?
- I’ve made an out of course lodgement / overpayment to one of my mortgage accounts. How can I get confirmation that it has been applied to the correct account?
- I am on a fixed interest rate and overpay my mortgage. Can I still do this now my mortgage has moved to AIB?
- When will I have to pay an early repayment charge?
Questions and Answers about Mortgage Amendments, Mortgage Types & Benefits
- Can I make amendments to my mortgage?
- Can I change the date I pay my mortgage?
- I would like to top up my mortgage. How do I do this?
- What does the “scheduled final repayment date” mean?
- What could change the scheduled final repayment date of a mortgage?
- What is the “cost of credit”?
- How do I find out what my cost of credit is for my mortgage loan?
- How do I find out how much interest I am paying?
- What is the “term” of a mortgage?
- I recently requested to move off my tracker interest rate. When will this happen?
Questions and Answers about Financial Support
- If you are concerned in any way about paying your mortgage, please call our team on 0818 251 008 (+353 818 251 008 from abroad) to discuss the options that may be available to you. Alternatively, please click on our Worried About Payments page here for more information..
- If you would like to know more about the Mortgage Arrears Resolution Process (MARP) (PDF)
- If you would like to fill out a Standard Financial Statement online, please click our Standard Financial Statement page. A printable version of SFS is available here (PDF).
- More helpful FAQs.
Questions and Answers about Mortgage Interest Rates
- What other mortgage interest rate offerings do you have?
- Part of my mortgage is on a variable rate. What will happen to my variable rate when my mortgage moves to AIB?
- My mortgage has a fixed rate. Can I keep it if I want to apply for a new mortgage?
- How do I change the interest rate on my mortgage?
- Can I move to a lower Loan to Value (LTV) band on my Principle Private Dwelling (PDH) mortgage?
- My fixed interest rate is coming to an end soon. What should I do?
- How will I know what my fixed rate end date is if I choose a new fixed interest rate?
- A fixed rate has recently been applied to my mortgage loan, what happens if I change my mind?
- I have a tracker interest rate retention rate on my mortgage. Can I still get this now my mortgage has moved to AIB?
- I have a tracker interest rate. Can I retain my existing tracker interest rate if I want to sell my existing home and buy a new one?
- I have a tracker interest rate on my mortgage, and I would like to transfer the title on my mortgage. Can I retain my tracker rate on my mortgage?
- What will happen if the European Central Bank (ECB) rate changes in the future?
Questions and Answers about Identity Documents
- Why do you need identity information from me?
- What do I need to give you?
- How do I send you my proof of ID and proof of address?
- What documents can I use to prove my ID?
- Do you accept a Public Services Card as proof of identity?
- What documents can I use to prove my address?
- What if I am not resident in the Republic of Ireland?
- What is a ‘certified copy’ of an ID or proof of address document?
- What happens if I do not provide my Proof of Identity and Proof of Address documents?
- How does AIB protect my data?
Questions and Answers on Other Mortgage Related Items
- How do I change my contact details?
- I want to make a complaint. How do I do this?
- I had an open complaint with Ulster Bank when I moved to AIB, who do I contact about it?
- How do AIB protect their customers from fraud?
- I want to ask to see the information AIB have about me
- Ulster Bank have a charge over my property. Has this charge moved from Ulster Bank to AIB?
- Will I have the same consumer protections with AIB?
- I understand that AIB is using a third-party servicing company to manage my mortgage.
Questions and Answers about the Ulster Bank Review of Mortgage Accounts
Ulster Bank has identified a mortgage system-generated error which may have impacted certain customer mortgage accounts which have transferred to AIB.
The error had an impact on the amount of mortgage interest that accrued on the mortgage balance and, in some cases, affected the phasing of customer Normal Monthly Repayments (NMR). The error did not impact the total amount of capital to be repaid on the mortgage or the rate of interest charged.
The error had an impact on the amount of mortgage interest that accrued on the mortgage balance and, in some cases, affected the phasing of customer Normal Monthly Repayments (NMR). The error did not impact the total amount of capital to be repaid on the mortgage or the rate of interest charged.
- What is Ulster Bank doing to fix this issue?
- When will I know if I have been impacted by this issue?
- Who do I contact for more information?
Mortgage Forms & Guides
- Mortgage Amendment Form (PDF, 5 pages, 192KB) - This form allows you to request amendments to the Repayment Date and to the Loan Rate on your Mortgage.
- Direct Debit Mandate Form (PDF) - This form allows you to set up a direct debit or change the account your mortgage is paid from. Please print out and complete the SEPA Direct Debit Mandate Form.
- Overpayment Form (PDF, 6 pages, 144KB) - This form allows you make overpayments on your mortgage.
- Subject Access Request Form (PDF) - This form can be used to request a copy of personal information we hold.
- Standard Financial Statement (PDF)
- Mortgage Glossary (PDF)
- Welcome Pack (PDF)
- Complaints Form
- MARP Booklet (PDF)
Customers affected by Defective Concrete Blocks (DCB)
We have a team dedicated to supporting you.
Please email us your name, contact number, address of the property, and your mortgage account number to dcb@aib.ie and a member of our DCB
team will call you.
For more information on the Government DCB Grant Scheme please check this link Schemes for houses affected by pyrite or mica

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, a hire- purchase agreement, a consumer-hire agreement or a BNPL (Buy Now Pay Later) agreement in the future. |