Welcome to AIB

Information 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) or write to us at AIB, PO Box 13606, Dublin 2.

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. Alternatively, you can write to us at AIB, PO Box 13606, Dublin 2. 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: 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.

ECB Rate Change Q&A’s

Change in Practice following ECB Rate Movements Q&A's

Moving Mortgage Q&A's

Managing your Mortgage Q&A’s

Mortgage Payments and Overpayments Q&A's

Mortgage Amendments, Mortgage Types and Benefits Q&A's

Financial Support Q&A's

Mortgage Interest Rates Q&A’s

Identity Documents Q&A’s

Other Mortgage Related Q&A's

Ulster Bank Review of Mortgage Accounts Q&A's

Questions and Answers about ECB Rate Changes

Example of an ECB interest rate decrease:
- The ECB announced a 0.25% interest rate decrease.
- Your tracker interest rate will decrease by 0.25%, within 30 days of the ECB rate movement.
- We will write to you confirming your new interest rate, repayment amount(s), and when it will be effective from.
- For example, the ECB change their interest rates on the 10^th of January, this means you will be charged less interest on your mortgage from the 1^st of February. Your repayment will then change from March.
Here’s an example of what these rate decreases mean:
- The European Central Bank (ECB) may have increased or decreased its ECB interest rate, by a certain percentage.
- This means your tracker interest rate will increase / decrease by that percentage.
- When an ECB interest rate change happens, this changes your tracker mortgage interest rate and repayment amount(s).
- You will receive a letter confirming your new interest rate and repayment amount(s) and when they will be effective.
- If your mortgage has been affected by an ECB rate change, you will receive a letter confirming your new interest rate and repayment amount(s).
- Interest rate changes are effective at the beginning of the month.
- For example, the ECB change their interest rates on the 10^th of January, this means you will be charged less interest on your mortgage from the 1^st of February. Your repayment will then change from March.
- In line with your mortgage contract, the rate changes within 30 days of the ECB rate movement.
- A tracker mortgage “tracks” changes to the ECB rate. If the ECB decides to increase or decrease its rate, the rate on your Tracker mortgage will go up or down by the same percentage.
- A tracker mortgage “tracks” changes to the ECB rate. If the ECB decides to increase or decrease its rate, the rate on your Tracker mortgage will go up or down by the same percentage.
- If you pay by direct debit, you do not need to do anything.
- If you have a combined direct debit, you do not need to do anything.
- Your direct debit will automatically change for your new repayment.
- If you pay your mortgage by standing order you will need to amend your standing order to reflect the new mortgage repayment amount.
- We will always write to you to confirm the new repayment amount in advance.
- If you would like to request your new combined monthly direct debit amount, please contact our team on 0818 251 008 (+353 818 251 008 from abroad), 09:00 to 17:00, Monday to Friday (excluding Bank Holidays), or write to us at AIB, PO Box 13606, Dublin 2.
- If you have requested to move off your tracker interest rate and you received the letter detailing the changes to your tracker interest rate, please be reassured your request to move off your tracker interest rate is being processed.
- While you have requested to move off your tracker interest rate and this is in progress, we did need to send you this letter because you are currently a tracker interest rate customer, and it is required to be issued by regulation to all tracker interest rate customers.

Questions and Answers about Change in Practice following ECB Rate Movements

- We are writing to tracker mortgage customers who transferred to AIB from Ulster Bank to explain how European Central Bank interest rate changes are applied to their account. The AIB process is compliant with the Terms and Conditions of your tracker mortgage but is different to Ulster Bank’s approach. To acknowledge that we should have communicated this difference sooner, we are making a once off goodwill payment of €75 and a once off payment for any difference in interest paid due to the differing approaches from the time your account moved to AIB to now.

Tell me more

Your Mortgage Terms and Conditions say that we must apply ECB interest rate changes within 30 days of the ECB rate movement. We apply that interest rate change to your mortgage on the first day of the calendar month following the ECB rate movement. Then your repayment changes in the month after that. This is different to how Ulster Bank applied rate changes to your mortgage, and we want to explain the difference.

Rate Change Type	ECB Announcement Date	ECB Rate movement Date	Ulster Bank Date of Rate Change (Interest Rate Applied From This Date)	Ulster Bank Approach	AIB Date of Rate Change (Interest Rate Applied From This Date)	AIB Approach	AIB Repayment Change
Decrease	5 June 2025	11 June 2025	10 June 2025	Within 6 Calendar Days of ECB Announcement Date	1 July 2025	Within 30 Days of ECB Rate Movement Date	From 1 August 2025
Increase	5 June 2025	11 June 2025	3 July 2025	Within 29 Calendar Days of ECB Announcement Date	1 July 2025	Within 30 Days of ECB Rate Movement Date	From 1 August 2025

- In line with your Mortgage Terms and Conditions, we apply ECB Interest rate changes to your Tracker Interest Rate Mortgage account within 30 days of the ECB rate movement for both rate increases and decreases. We apply that interest rate change to your tracker interest rate mortgage on the first day of the month following the ECB rate movement. Then your repayment changes in the month after that. (see Question “Tell Me More” also)
- When your mortgage was with Ulster Bank and the ECB increased its interest rates, the interest rate change was applied on your Tracker Interest rate mortgage account within 29 calendar days of the ECB rate change announcement. When a rate decrease was announced, the interest rate change was applied on your mortgage account within 6 calendar days. (see Question “Tell Me More” also)
- No, there is nothing specifically you need to do due to this communication.
- All banks have different approaches to ECB rate changes. This is how we apply ECB rate changes on your mortgage that moved from Ulster Bank which is in line with your Terms and Conditions. We apply the rate change in a timely manner however we do recognise the approach is different to Ulster Bank.
- Your repayments won't change because of this communication but repayments can change following an ECB rate change movement. The timing of when the repayment changes is different to Ulster Bank and in AIB your new repayment will be applied in the month following the rate change.
- However, by applying the interest payment directly to your mortgage it will mean a decrease in the interest paid.
- No - this is a once off goodwill payment in recognition of the delay in informing you of the different approaches to applying ECB rate changes in Ulster Bank and AIB.
- We have made the decision to make a goodwill payment and an interest payment to customers to acknowledge that we didn’t communicate the difference in how we apply ECB rate changes to customers in a timely manner.
- Yes, if you want to make a complaint – this can be done by firstly making a complaint to us (either by phone, in person or in writing). We will then investigate the complaint and try to resolve the matter for you. If you are still dissatisfied with the final response from us, you can at that stage refer the matter to the FSPO
- We have reviewed your account and can see there has been at least one ECB rate change since your mortgage account moved to us, and we know we did not communicate the difference in ECB rate change approach clearly and in a timely manner to you. We felt it was important to communicate this to you now and provide a goodwill payment to you considering the delay in communication.
- Yes, you may receive multiple letters for different sub-accounts. However, the goodwill payment will only be made once, based on your mortgage account.
- No, we have to put it into your mortgage account as it is an interest payment. We could only pay this directly if your mortgage account is closed. However, we will pay you the goodwill payment of €75 directly.

Questions and Answers about your Mortgage Moving

- Your mortgage loan account number, type of interest rate and repayment date have all stayed the same.
- If you decide to change your interest rate, you can choose from the rates we offer. There’s more information on the interest rates we offer on our mortgage interest rates page.
- If you want to change the interest rate on your mortgage you can fill out the Mortgage Amendment Form (PDF, 5 pages, 186KB).
- The fixed and variable rates available to you may depend on the Loan to Value (LTV) of your mortgage. We change our rates from time to time and the current available fixed and variable rates can be found here.
- You can call our team on 0818 251 008 (+353 818 251 008 from abroad) to find out what LTV we currently hold for your mortgage, or write to us at AIB, PO Box 13606, Dublin 2.
- You can call our team on 0818 251 008 (+353 818 251 008 from abroad), 09:00 to 17:00, Monday to Friday (excluding Bank Holidays), or write to us at AIB, PO Box 13606, Dublin 2.
- In exceptional circumstances you may be better supported through, a one‑off in‑person meeting in a Branch, rather than by telephone. To organise this please contact our team on the above number.
- There are some small changes to the fees and costs associated with your mortgage now that your mortgage has moved to us.
- If you want to move to a Loan to Value (LTV) interest rate that requires an LTV that is lower than the rate we hold for your mortgage, you will need to give us an updated full valuation. You will have to pay for this full valuation, it must be no more than six months old, and it must be completed by a valuer on our Residential Mortgage Valuer's Panel.
- If you decide to top up, restructure your mortgage, request a Transfer of Title or our Tracker Interest Rate Retention product you will move to AIB terms and conditions, and our fees and charges will apply.
- If you have a personal current account with AIB and you are using it to pay an AIB mortgage by direct debit on your family home, we won't charge any maintenance or transaction fees on your AIB personal current account from the point that you became our mortgage customer. There’s more information on no fees mortgage benefits here.
- If you would like a copy of your mortgage loan offer, please call our team on 0818 251 008 (+353 818 251 008 from abroad), 09:00 to 17:00, Monday to Friday (excluding Bank Holidays) and we can post this out to you. You can also write to us at AIB, PO Box 13606, Dublin 2.
- If the mortgage for which you are guarantor has moved to us, you will have received a letter from to welcome you to AIB.
- There may a few exceptional cases in which we don’t have the correct postal address for all our guarantors. If you think that the mortgage loan you are guarantor for has been moved to us, and you have not received a letter from Ulster Bank, please call our team on 0818 251 008 (+353 818 251 008 from abroad), 09:00 to 17:00, Monday to Friday (excluding Bank Holidays), or write to us at AIB, PO Box 13606, Dublin 2 so we can update your contact details.
- If you have a life insurance policy for your mortgage which was assigned to Ulster Bank now might be a good time to contact your insurer to ask that they record your mortgage is now with AIB.
- This will avoid a delay to any claim you make under the policy.
- If you have a home insurance policy for your mortgage which was assigned to Ulster Bank now might be a good time to contact your insurer to ask that they record your mortgage is now with AIB. This will avoid a delay to any claim you make under the policy.
- You do not need to open a current account with us. However, if you would like to please see our options.
- If you would like to request a redemption figure for your mortgage balance, please call our team on 0818 251 008 (+353 818 251 008 from abroad) 09:00 to 17:00, Monday to Friday (excluding Bank Holidays), or write to us at AIB, PO Box 13606, Dublin 2.
- You may previously have paid your normal mortgage loan repayment and your Fixed Overpayment with one direct debit with Ulster Bank.
- Going forward in AIB, if your normal monthly repayment is collected by direct debit, you will also need to set up a Standing Order to continue making fixed overpayments.
Example

Mortgage Repayment

Fixed Overpayment

Payment Method

Direct Debit

Standing Order

Amount

€1,000

€100

Total
€1,100
- To make regular, fixed overpayments to your main mortgage account, set up a standing order using the following details:
Payee:

Allied Irish Banks p.l.c.

Bank account:

930091 99901009

Reference:

[Your mortgage account number] (found on your annual statement.
- You need to include your main mortgage account number as reference, so we can match the payment to your mortgage.
- If you have sub-loan accounts, we will apply the fixed overpayments proportionally across the sub-loan accounts, unless you tell us otherwise.
- To make regular, fixed overpayments to sub-loan mortgage accounts, set up a standing order using the following details:
Payee:

Allied Irish Banks p.l.c.

Bank account:

930091 99901009

Reference:

[Overpay+your sub-loan mortgage account number], for example, Overpay12345678-01
- You need to include the specific sub-loan account number, so we can apply the repayment to the correct account. If you do not include the specific sub-loan account number, we may not be able to apply the payment to the specific sub-loan account.
- We have the details of your specific sub-loan account number(s), please call our team on 0818 251 008 (+353 818 251 008 from abroad), or write to us at AIB, PO Box 13606, Dublin 2, so we can provide you with this number.
- If you want to make fixed overpayments to multiple sub-loan mortgage accounts, you will need to set up individual standing orders.
- There may be a charge to set up a standing order.
- If you want to make an unscheduled overpayment you can complete our Overpayment Form (PDF, 6 pages, 148KB).
- If you have sub-loan accounts, we will apply the fixed overpayments proportionally across the sub-loan accounts, unless you tell us otherwise.
- If you would like to apply your overpayment to a specific sub-loan account, you need to include the specific sub-loan account number on the form.
- If you want to make overpayments to multiple sub-loan accounts, you will need to complete separate forms for each sub-loan account.
- If you are on a fixed rate, you will continue to have an option to make 10% overpayments per annum to your mortgage account without paying an early repayment charge, after which early repayment charges may apply. If you are on a variable or tracker rate you can make overpayments to your mortgage account without paying any early repayment charges.
- If you would like to request a mortgage statement at any time, please call our team on 0818 251 008 (+353 818 251 008 from abroad), 09:00 to 17:00, Monday to Friday (excluding Bank Holidays), or write to us at AIB, PO Box 13606, Dublin 2 so we can update your contact details.
- AIB Group issues Annual Statements and Certificates of Interest on a phased basis, beginning in January each year.
- If Ulster Bank agreed an alternative repayment plan with you, we will honour the terms of the alternative arrangement. Just make sure you have changed the payee to Allied Irish Banks p.l.c. if paying by Standing Order or Electronic Transfer.
For customers with an AIB personal Current Account

If you have an AIB personal current account and are not registered for Online Banking, follow these steps to register:
- Step 1: Call our team on 0818 724 724 (+353 1 771 2424 from abroad) to get your registration number and Personal Access Code (PAC).
- Step 2: Once registered, you can log onto AIB Internet Banking.
- Step 3: When you first log in, follow the instructions on screen to set up Strong Customer Authentication (SCA).
- Step 4: Call our team on 0818 724 724 (+353 1 771 2424 from abroad) to have your mortgage account added to your Online Banking.
- If you have an AIB personal current account and are registered for Online Banking, please call our team on 0818 724 724 to have your mortgage account added to your Online Banking
For customers who do not have an AIB Personal Current Account
- 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), or write to us at AIB, PO Box 13606, Dublin 2.
- Yes, all direct debits that are returned unpaid because there is not enough money in your account on the date of the planned repayment will be represented within 14 calendar days. This will happen even if the feature was previously unavailable on your account with Ulster Bank.
- Example: Mary is due to pay her mortgage of €500 by direct debit on the 25^th of the month, but this month Mary misses the repayment. Mary will be notified of the missed repayment by letter and phone. Mary doesn’t have to do anything: if there are insufficient funds on the 25^th we will represent her direct debit within 14 calendar days of the missed repayment.
- If the direct debit fails for any other reason, Mary should call us on 0818 251 008 (+353 818 251 008 from abroad) between 09:00 and 17:00 Monday to Friday, excluding bank holidays and we’d be happy to help. Alternatively, she can write to us at AIB, PO Box 13606, Dublin 2.
- AIB and Ulster Bank calculate interest each day but apply it differently. You will notice this on your statement. When we send you your first AIB statement, we will include some helpful information on how to read it.
- At AIB, we report mortgage loans to the Central Credit Register (CCR) differently to the way Ulster Bank report mortgage loans.
- We report your mortgage loans and any other mortgage loans secured on your property (for example, top ups to your mortgage) to the CCR, on an individual basis.
- Ulster Bank used to report one loan, i.e. the total of your primary mortgage loan and any other mortgage loans on your property, otherwise known as sub-account mortgage loans in Ulster Bank.
- The change will not impact your credit record or your applications for credit in the future.
- For more information on the CCR, please refer to the Central Bank factsheet.
- Ulster Bank will remain your point of contact for any complaints that were raised while your mortgage account was under their management.
- Please contact Ulster Bank for complaint updates on 0818 210 275 (00353 818 210 275 from abroad), or write to us at AIB, PO Box 13606, Dublin 2.
- If you had a nominated Third-Party Authority acting on your behalf for your mortgage loan, please note this arrangement has not moved to AIB.
- If you want a nominated Third-Party Authority to act on your behalf with AIB, our team can assist you with setting up this up.
- You can instruct us to deal with your Third-Party Authority by providing our Home Mortgage Operations team with a written instruction. Please send this written instruction to AIB Home Mortgage Operations, Account Section, Unit 33, Blackthorn Road, Sandyford Business Park, Sandyford, Dublin 18, D18 E9T3.

Example	Mortgage Repayment	Fixed Overpayment
Payment Method	Direct Debit	Standing Order
Amount	€1,000	€100
Total	€1,100

Payee:	Allied Irish Banks p.l.c.
Bank account:	930091 99901009
Reference:	[Your mortgage account number] (found on your annual statement.

Payee:	Allied Irish Banks p.l.c.
Bank account:	930091 99901009
Reference:	[Overpay+your sub-loan mortgage account number], for example, Overpay12345678-01

Questions and Answers about Managing your Mortgage

- If you would like to request a mortgage statement at any time, please call our team on 0818 251 008 (+353 818 251 008 from abroad), 09:00 to 17:00, Monday to Friday (excluding Bank Holidays), or write to us at AIB, PO Box 13606, Dublin 2.
- AIB Group issues Annual Statements and Certificates of Interest on a phased basis, beginning in January each year.
- The following steps should help you when reading your mortgage statement (figures are for illustrative purposes only):
1. The customer’s balance at the start of the month.
2. Interest charged on the first day for the coming month, based on the customer’s balance that day.
3. The customers monthly repayment does not always happen on the first day of the month. We’re showing an example of a payment on the 25th day of the month.
4. We will always adjust the interest because the customer’s payment has changed the balance at some point during the month.
5. The customer’s balance after monthly repayment and interest rate adjustment.
- Guarantors are not sent Annual Mortgage Statements; these are issued to the Borrower or their nominated Third-Party Authority.
- Yes, if you are an appointed Third-Party Authority, the customer’s Annual Mortgage Statement will be sent to you.
- You can instruct us to deal with your Third-Party Authority by providing our Home Mortgage Operations team with a written instruction.
- Please send this written instruction to AIB Home Mortgage Operations, Account Section, Unit 33, Blackthorn Road, Sandyford Business Park, Sandyford, Dublin 18, D18 E9T3.
- You can request a Mortgage Statements and Certificates of Interest from Ulster Bank for the period your mortgage was with them.
- We will send you your Annual Mortgage statement and Certificate of Interest each year going forward.
- For more information on the Mortgage Interest Tax Credit please click here.
For customers with an AIB personal Current Account

If you have an AIB personal current account and are not registered for Online Banking, follow these steps to register:
- Step 1: Call our team on 0818 724 724 (+353 1 771 2424 from abroad) to get your registration number and Personal Access Code (PAC).
- Step 2: Once registered, you can log onto AIB Internet Banking.
- Step 3: When you first log in, follow the instructions on screen to set up Strong Customer Authentication (SCA).
- Step 4: Call our team on 0818 724 724 (+353 1 771 2424 from abroad) to have your mortgage account added to your Online Banking.
- If you have an AIB personal current account and are registered for Online Banking, please call our team on 0818 724 724 to have your mortgage account added to your Online Banking
For customer who do not have an AIB Personal Current Account
- 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), or write to us at AIB, PO Box 13606, Dublin 2.
- The “My Mortgage” App is for customers who have a new mortgage application with us. It does not allow for the facility to manage your existing mortgage.
- If you had a nominated Third-Party Authority acting on your behalf for your mortgage loan, please note this arrangement has not moved to AIB.
- If you want a nominated Third-Party Authority to act on your behalf with AIB, our team can assist you with setting up this up.
- You can instruct us to deal with your Third-Party Authority by providing our Home Mortgage Operations team with a written instruction. Please send this written instruction to AIB Home Mortgage Operations, Account Section, Unit 33, Blackthorn Road, Sandyford Business Park, Sandyford, Dublin 18, D18 E9T3.

Questions and Answers about Payments and Overpayments

- Direct debit is the easiest way to pay your mortgage with us however, if you want to pay by standing order, electronic transfer, or any alternative repayment method, you’ll have to change the payment instructions with your current account provider as soon as possible so the payment reaches us in time for the repayment date.
Payee:

Allied Irish Bank p.l.c.

Bank Account Number:

930091 99901009

Reference:

Your mortgage Account Number (found on your annual statement).

You need to include your mortgage account number as a reference so we can match the payment to your mortgage.
- If you have more than one mortgage on your property (for example, you topped up your mortgage) you may have paid for both with one payment. You can continue to do this with us. This may change in the future should you apply to top up or restructure your mortgage and will result in a change to AIB's terms and conditions.
- AIB flexible payment options are different to those offered by Ulster Bank. Any new applications will be for flexible payment options we offer.
- For example, we do not offer the options to make annual mortgage payments over 10 months, or capital and interest payment breaks for Buy to Let (BTL) mortgages.
- Information on the flexible payment options offered by AIB are available on flexible payment options page
- If Ulster Bank agreed an alternative repayment plan with you, we will honour the terms of the alternative arrangement. Just make sure you have changed the payee to Allied Irish Banks, p.l.c. if paying by Standing Order or Electronic Transfer.
- You can download a Direct Debit Mandate form (PDF, 1 page, 107KB), fill it out and follow the instructions on how to send it back to us.
- No, we only accept the one direct debit for making payments on your mortgage account incl. any sub-accounts you have.
- Yes, all direct debits that are returned unpaid because there is not enough money in your account on the date of the planned repayment will be represented within 14 calendar days. This will happen even if the feature was previously unavailable on your account with Ulster Bank.
- Example: Mary is due to pay her mortgage of €500 by direct debit on the 25^th of the month, but this month Mary misses the repayment. Mary will be notified of the missed repayment by letter and phone. Mary doesn’t have to do anything: if there are insufficient funds on the 25^th we will represent her direct debit within 14 calendar days of the missed repayment.
- If the direct debit fails for any other reason, Mary should call us on 0818 251 008 (+353 818 251 008 from abroad) between 09:00 and 17:00 Monday to Friday, excluding bank holidays and we’d be happy to help. Alternatively, Mary can write to us at AIB, PO Box 13606, Dublin 2.
- AIB and Ulster Bank calculate interest each day but apply it differently. You will notice this on your statement. When we send you your first AIB statement, we will include some helpful information on how to read it.
- You won’t pay surcharge interest if you miss a repayment. However, missing a repayment will impact your overall cost of credit and may affect your credit rating. Missed repayments are reported to the Central Credit Register.
- At AIB, we report mortgage loans to the Central Credit Register (CCR) differently to the way Ulster Bank report mortgage loans.
- We report your mortgage loans and any other mortgage loans secured on your property (for example, top ups to your mortgage) to the CCR, on an individual basis.
- Ulster Bank used to report one loan, i.e. the total of your primary mortgage loan and any other mortgage loans on your property, otherwise known as sub-account mortgage loans in Ulster Bank.
- The change will not impact your credit record or your applications for credit in the future.
- For more information on the CCR, please refer to the Central Bank factsheet.
- You may previously have paid your normal mortgage loan repayment and your Fixed Overpayment with one direct debit with Ulster Bank.
- Going forward in AIB, if your normal monthly repayment is collected by direct debit, you will also need to set up a Standing Order to continue making fixed overpayments.
Example

Mortgage Repayment

Fixed Overpayment

Payment Method

Direct Debit

Standing Order

Amount

€1,000

€100

Total

€1,100
- To make regular, fixed overpayments to your main mortgage account, set up a standing order using the following details:
Payee:

Allied Irish Banks p.l.c.

Bank account:

930091 99901009

Reference:

Your mortgage account number (found on your annual statement).
- You need to include your main mortgage account number as reference, so we can match the payment to your mortgage.
- If you have sub-loan accounts, we will apply the fixed overpayments proportionally across the sub-loan accounts, unless you tell us otherwise.
- To make regular, fixed overpayments to sub-loan mortgage accounts, set up a standing order using the following details:
Payee:

Allied Irish Banks p.l.c.

Bank account:

930091 99901009

Reference:

[Overpay+your sub-loan mortgage account number], for example, Overpay12345678-01
- You need to include the specific sub-loan account number, so we can apply the payment to the correct account. If you do not include the specific sub-loan account number, we may not be able to apply the payment to the specific sub-loan account.
- We have the details of your specific sub-loan account number(s), please call our team on 0818 251 008 (+353 818 251 008 from abroad), or write to us at AIB, PO Box 13606, Dublin 2 so we can provide you with this number.
- If you want to make fixed overpayments to multiple sub-loan mortgage accounts, you will need to set up individual standing orders.
- There may be a charge to set up a standing order.
- If you want to make an unscheduled overpayment you can complete our Overpayment Form (PDF, 6 pages, 148KB).
- If you have sub-loan accounts, we will apply the fixed overpayments proportionally across the sub-loan accounts, unless you tell us otherwise.
- If you would like to apply your overpayment to a specific sub-loan account, you need to include the specific sub-loan account number on the form.
- If you want to make overpayments to multiple sub-loan accounts, you will need to complete separate forms for each sub-loan account.
- If you are on a fixed interest rate, you can currently overpay up to 10% of your mortgage balance (being the balance as of January 1^st of the calendar year) each calendar year for the term of the fixed rate.
- We don’t charge an early repayment charge (ERC) for this.
- Any additional overpayment above 10%, or early full redemption of your mortgage, may result in an early repayment charge. If you are on a variable or tracker rate you can make overpayments to your mortgage account without incurring any early repayment charges.
- The practice of allowing customers to use overpayments to build up credit indefinitely on their account to fund future repayments is not available in AIB.
- With AIB if you make an overpayment, we will deduct that amount from your outstanding mortgage balance, reducing your overall cost of credit.
- You will need to let us know if you want to reduce your monthly repayment or reduce your mortgage term, you can complete our Overpayment Form (PDF, 6 pages, 148KB) to do this.
- If you would like to overpay your mortgage, please fill out this Overpayments Form (PDF, 6 pages, 148KB). There are instructions on the form.
- Under legislation, we may need to ask you about the primary source of the funds used to make this overpayment.
- Overpayments cannot be used in place of a future repayment. The impact of this is that your Mortgage Loan will go into arrears if you miss a future full or partial normal monthly repayment. This is different to the practice in Ulster Bank.
- If you make an overpayment with us, we will deduct that amount from your outstanding mortgage balance, reducing your overall cost of credit.
- If your mortgage loan account(s) is in arrears and you make an overpayment with us, we will deduct that amount from your outstanding arrears balance. Any surplus will be applied against the loan balance.
- If you would like to reduce the term of your mortgage rather than your monthly re-payments please contact our team to let them know. You can call us on 0818 251 008 (+353 818 251 008 from abroad), or write to us at AIB, PO Box 13606, Dublin 2.
- Currently we do not issue confirmation letters confirming receipt of overpayments, but you can contact our team on 0818 251 008 (+353 818 251 008 from abroad) to confirm lodgements made to your mortgage and your mortgage loan balance. Alternatively, write to us at AIB, PO Box 13606, Dublin 2. You can also request an ad hoc mortgage account statement at any time.
- If you are on a fixed rate, you will continue to have an option to make 10% overpayments per annum to your mortgage account without paying an early repayment charge, after which early repayment charges may apply. If you are on a variable or tracker rate you can make overpayments to your mortgage account without paying any early repayment charges.
- If you have a fixed interest rate on your mortgage loan, you may have to pay an early repayment charge if you;
  1. Repay all or part of your mortgage loan early;
  2. Make a payment outside your regular repayments;
  3. Change the interest rate on your mortgage to another interest rate.
- We will calculate the charge, using both the Ulster Bank and AIB early repayment methodology. We will compare both methods and apply the lowest.
- Please refer to the question about overpayments below when reading about early repayment charges.

Payee:	Allied Irish Bank p.l.c.
Bank Account Number:	930091 99901009
Reference:	Your mortgage Account Number (found on your annual statement).

Example	Mortgage Repayment	Fixed Overpayment
Payment Method	Direct Debit	Standing Order
Amount	€1,000	€100
Total	€1,100

Payee:	Allied Irish Banks p.l.c.
Bank account:	930091 99901009
Reference:	Your mortgage account number (found on your annual statement).

Payee:	Allied Irish Banks p.l.c.
Bank account:	930091 99901009
Reference:	[Overpay+your sub-loan mortgage account number], for example, Overpay12345678-01

Questions and Answers about Mortgage Amendments, Mortgage Types & Benefits

- You can talk to us if you would like to make a change to your mortgage, for example, adjusting the date you pay your mortgage or adjusting your final repayment date.
- Some amendments may change your monthly repayments and / or your cost of credit and may require a credit application.
- Amendments to a mortgage may increase or decrease the cost of credit of a loan.
- You can find the mortgage amendment form here.
- If you would like to change the date you make your mortgage repayments you can fill out a Mortgage Amendment Form (PDF, 5 pages, 186KB).
- The detailed instructions on how to change your mortgage payment date are on this form.
- If you would like to apply to top up your mortgage, please contact our team on 0818 251 008 (+353 818 251 008 from abroad), 09:00 to 17:00, Monday to Friday (excluding Bank Holidays), or write to us at AIB, PO Box 13606, Dublin 2
- The scheduled final repayment date of the mortgage is when the mortgage is due to be paid off.
- If your outstanding balance at the end of your term is less or more than your final repayment, we will let you know.
- The scheduled final repayment date is based on the information that Ulster Bank have provided us so that your mortgage repayment schedule remains the same as it did in Ulster Bank.
- There can be ‘out of course’ events on a mortgage, such as a change in the scheduled repayment date or a term amendment, that means a mortgage is recalculated.
- If your outstanding balance at the end of your term is less or more than your final repayment, we will let you know.
- The cost of credit is the total amount you repay over the term of the mortgage loan, less the amount you originally borrowed.
- The difference between the two includes interest and any other fees and charges.
- The faster a mortgage is paid off; the less interest is charged which reduces the cost of credit. The higher the interest rate, the higher the cost of credit.
- If you require details of your cost of credit, please call us on 0818 251 008 (+353 818 251 008 from abroad), 09:00 to 17:00, Monday to Friday (excluding Bank Holidays), or write to us at AIB, PO Box 13606, Dublin 2 and we will confirm this detail for you by sending you a letter.
- If you require details of your cost of credit, please call us on 0818 251 008 (+353 818 251 008 from abroad), 09:00 to 17:00, Monday to Friday (excluding Bank Holidays), or write to us at AIB, PO Box 13606, Dublin 2, and we will confirm this detail for you by sending you a letter.
- A mortgage is for a term, often 20 years or more. It will have a start date and a scheduled final repayment date.
- If you have requested to move off your tracker interest rate and you received the letter detailing the changes to your tracker interest, please be reassured your request to move off your tracker interest rate is being processed.

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, 24 pages, 1,786KB)
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, 24 pages, 847KB).
More helpful FAQs.

Questions and Answers about Mortgage Interest Rates

- We offer Private Dwelling House (PDH) Loan to Value (LTV) fixed and variable rates. This means these rates are different depending on the ratio of your loan to value of your home.
- We also offer Buy to Let (BTL) fixed and variable rates. Our BTL interest rates do not depend on the LTV of your mortgage.
- Our Green Fixed Rate mortgages are available to customers whose home has a Building Energy Rating (BER) between A1 and B3. If you wish to apply for a Green Mortgage rate qualifying criteria will apply. You can find more information on our Green Mortgage and qualifying criteria.
- Our Higher Value 4 Year Fixed Rate is available to customers whose mortgage balance is over €250,000. If you wish to apply for our Higher Value Mortgage rate the qualifying criteria will apply. You can find more information on our Higher Value Mortgage and qualifying criteria.
- If you have a fixed interest rate on your existing mortgage and you want to apply for a new mortgage you may be able to keep your fixed interest rate for the original part of your loan. The current fixed interest rate and remaining term will be limited to your balance on your current mortgage.
- For example if your existing mortgage is €100k with a fixed interest rate of 3% and you have 2 years remaining of the fixed rate term and you apply for a new mortgage with us, you may be able to keep the 3% fixed interest rate on €100k of your loan, for the remaining 2 years.
- If you want to change the interest rate on your mortgage you can fill out the "Mortgage Amendment Form, (PDF, 5 pages, 186KB)".
- The fixed and variable rates available to you may depend on the Loan to Value (LTV) of your mortgage. We change our rates from time to time and the current available fixed and variable rates can be found here.
- You can call our team on 0818 251 008 (+353 818 251 008 from abroad), or write to us at AIB, PO Box 13606, Dublin 2, to find out what LTV we currently hold for your mortgage.
- When your mortgage moved to AIB, we determined a Loan to Value for your mortgage based on the Central Statistics Office House Price Index or the most recent full valuation, whichever is lower. You can use this LTV to avail of one the mortgage interest rates we offer. If you want to find out the current LTV we hold on your mortgage, please call our team on 0818 251 008, or write to us at AIB, PO Box 13606, Dublin 2.
- There are differences to how Ulster Bank and AIB determine the value of your property, for LTV purposes. For example, unlike Ulster Bank, AIB will not continue to use the Central Statistics Office House Price Index to update the LTV of your mortgage. If you want to move to an LTV interest rate that requires an LTV that is lower than the rate we hold for your mortgage, you will need to give us an updated full valuation. You will have to pay for this full valuation, it must be no more than six months old and it must be completed by a valuer on our Residential Mortgage Valuer's Panel.
- You can now also apply for any of our mortgage interest rates. We change our rates from time to time.
- When your fixed rate is coming to an end, we will contact you 60 days before your fixed rate term ends to tell you the types of mortgage interest rates we offer.
- In AIB we change our rate offerings from time to time and therefore any fixed rate we quote you before your fixed rate term ends is subject to change. However, if you inform us of the interest rate you wish to avail of before that rate has changed, you will be able to avail of that rate. The current available fixed rate can be found here.
- If you do not inform us of the interest rate you wish to avail of before your fixed rate comes to an end, a variable interest rate will be applied to your mortgage. We will then update the interest rate on your mortgage account from the date we receive a request from you to do so.
- If you choose a fixed interest rate after you become an AIB mortgage customer, we will confirm to you in writing what the fixed rate expiry date specific to your mortgage will be. This approach may differ to Ulster Bank, where the fixed rate expiry date was published on their website.
- You have 21 days from the date we applied the fixed rate to change your mind and choose an alternative rate.
- Information on all our interest rate options is available on aib.ie
- We may charge you an early repayment charge if you choose an alternative rate after 21 days.
- If your loan is secured on a property in the Republic of Ireland and if you have a tracker interest rate and you want to sell your home and mortgage a new one, with our AIB Tracker Interest Rate Retention offer you can avail of your previous tracker interest rate (we will add a 1% margin to it) on the new mortgage loan. However, the new mortgage loan will be subject to key features, eligibility requirements and AIB terms and conditions.
- If your loan is secured on a property in the Republic of Ireland and if you have Ulster Bank’s 10 Year Home Mover tracker interest rate and you want to sell your home and buy a new one, our AIB Tracker Interest Rate Retention (“TIRR”) may be of interest to you. With it you can avail of your previous tracker interest rate (we will add a 1% margin to it) on a new mortgage loan. The new mortgage loan will be subject to key features, eligibility requirements and AIB terms and conditions.
- If your loan is secured on a property in the Republic of Ireland and if you have a tracker interest rate and you want to sell your home and mortgage a new one, with our AIB Tracker Interest Rate Retention offer you can avail of your previous tracker interest rate (we will add a 1% margin to it) on the new mortgage loan. However, the new mortgage loan will be subject to key features, eligibility requirements and AIB terms and conditions.
- If your loan is secured on a property in the Republic of Ireland and if you have Ulster Bank’s 10 Year Home Mover tracker interest rate and you want to sell your home and buy a new one, our AIB Tracker Interest Rate Retention (“TIRR”) may be of interest to you. With it you can avail of your previous tracker interest rate (we will add a 1% margin to it) on a new mortgage loan. The new mortgage loan will be subject to key features, eligibility requirements and AIB terms and conditions.
- If your loan is secured on a property in the Republic of Ireland and if you have a tracker interest rate and you want to change the name on the mortgage loan and / or title deeds, you can apply to move your existing rate to a new mortgage loan. The new mortgage loan will be subject to key features, eligibility requirements and AIB terms and conditions.
- If your loan is secured on a property in the Republic of Ireland and if you have Ulster Bank’s 10 Year Home Mover tracker interest rate and you want to change the name on the mortgage loan and / or title deeds, you can apply to move your previous rate to a new mortgage loan. The new mortgage loan will be subject to key features, eligibility requirements and AIB terms and conditions.

Questions and Answers about Identity Documents

More information about acceptable proof of ID / address.

Please upload your documents.

- We need you to verify your identity and address by law. Anti-money laundering legislation requires us to identify whose money is in accounts and helps to prevent money being used for crime.
- One proof of ID
- One proof of address
- Complete and return the form at the end of the letter we sent you with:
  - Your country of birth
  - Your occupation
  - The source of the money you use to pay your mortgage.
- If you are not resident in the Republic of Ireland, you will need to send us two proof of address documents.
- The name on your photo ID must match the name on your proof of address.
- We may ask you for more information and documents from you to verify your identity if required.

How do I send you my proof of ID and proof of address?

Customer residence	Where to send documents
Residents of the Republic of Ireland	Upload your documents online here (we accept a scan or clear photo) Visiting your local AIB branch with the original documents.
Residents outside the Republic of Ireland	Post certified copies to us at: AIB, PO Box 13606, Dublin 2 (please do not send originals) Visiting your local AIB branch when you are in the country with original documents.

What documents can I use to prove my ID?

Suitable proof of ID	Guidelines
Passport in date	Upload the full page containing your signature and photo or bring the original to a branch. If you are not a citizen of the European Economic Area (EEA) please upload a copy of the visa that permits you to live in Ireland or bring the original to a branch. We do not accept temporary passports.
Passport Card (Irish citizens) in date	Please upload both sides of the card or bring the original to a branch.
EU/EEA/UK Drivers Licence in date	We also accept Learner Permits for the Republic of Ireland and the UK. Please upload both sides of the card or bring the original to a branch.
EU National Identity Card (only EU/EEA citizens) in date	Please upload both sides of the card, so that we can see the line of coded letters and numbers or bring the original to a branch.

- No, but we will accept any of the alternatives we’ve listed.

What documents can I use to prove my address?

Suitable Proof of Address	Guidelines
Utility bill	A phone, mobile, gas, electricity, heating bill. Where a utility bill is a first bill, a second form of address verification is required. We also accept e-bills. Where a bill is in three or more names, we will need a second proof of address for everyone on the mortgage account. Documents must have been issued to you at your home address within the past six months and show your first and last name.
Correspondence from a regulated financial institution operating in the Republic of Ireland	Such as an insurance / assurance company, building society, credit union, credit card company or bank such as us. We also accept e-statements. Documents must have been sent to you at your home address within the past six months and show your first and last name.
Correspondence from a government department or body	Correspondence must show evidence of an existing relationship between you and the relevant Government Department. The correspondence cannot be the first letter received as part of establishing a relationship, i.e., a PIN letter. We accept polling/electoral cards – until the date of election. We accept tax certificates from Revenue. Documents must have been sent to you at your home address within the past six months and show your first and last name.

- If you are not resident in the Republic Ireland, you will need to have the copies of your ID and address documents ‘certified’ before posting to us. You will also need to provide two documents to prove your address. We may ask you for more information and documents from you to verify your identity if required.
A certified copy is a document that has been copied, stamped, and signed as being a true copy of the original. Please bring your original documents to one of the below for certification:
- Chartered or Certified Public Accountant
- Solicitor /Lawyer
- Government official at national or local level
- Embassy / Consular staff member
- Public Notary
- Regulated financial institution official, for example, one of us in a branch.
- Member of An Garda Síochána
- We need these documents by law to provide certain mortgage-related services, for example, to enable you to sell your property. If we don’t have these documents, this could cause delays in providing those services.
- Please see AIB’s Data Protection Notice should you have any queries on how we protect your data.

Questions and Answers on Other Mortgage Related Items

- If you have a personal current account with us, you can change your details through Internet Banking or our Mobile App. If you don’t have Internet Banking or our Mobile App, the quickest way is to call our team on 0818 251 008 (+353 818 251 008 from abroad), 09:00 to 17:00, Monday to Friday (excluding Bank Holidays). Alternatively, write to us at AIB, PO Box 13606, Dublin 2.
If you have a complaint about your mortgage since it moved to AIB:
- You can fill out a complaint form here.
- You can call our team on 0818 251 008 (+353 818 251 008 from abroad), 09:00 to 17:00, Monday to Friday (excluding Bank Holidays), or;
- You can write to us at AIB p.l.c., PO Box 13606, Dublin 2.
If you have a complaint about your mortgage from the time it was with Ulster Bank:
- For an open complaint with Ulster Bank, you should contact Ulster Bank directly;
- For a new complaint about your mortgage while it was under the management of Ulster Bank, you should contact Ulster Bank directly.
- We take security seriously. We aim to protect you against the threats of fraud.
- For more information on common frauds and how we protect you, please visit our Online Banking Fraud and Security Centre here.
- You can ask for a copy of the personal information we hold and further details about how we collect, share and use your personal information by filling out the Subject Access Request Form here.
- If Ulster Bank held a charge over your mortgage property and this mortgage has now moved to us, then we hold the charge.
- If you are customer that has a property outside the Republic of Ireland held as security on an Ulster Bank mortgage, Ulster Bank wrote to you on the 26^th of July 2024 to let you know that the charge for your Mortgage Loan will be released to you after your mortgage loan moves to AIB.
- This means Ulster Bank will release the property deeds back to you.
- Your consumer protections under the Consumer Protection Code are the same now that your mortgage has moved to us.
- We often use other companies to manage and provide our services. Mars Capital are supporting AIB by servicing the Ulster Bank mortgage accounts that have moved to AIB.

Questions and Answers about the Ulydien DAC, formerly known as Ulster Bank, Review of Mortgage Accounts

Ulydien DAC, formerly known as 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.

- Ulydien DAC will make a payment and / or amend the contract end date, to ensure no customer is out of pocket as a result of this error. Affected customers will receive a letter explaining how their mortgage has been impacted and detailing what will happen next.
- If your mortgage account was not impacted by this error, you will not hear from Ulster Bank / Ulydien DAC.
- Ulydien DAC is currently carrying out a comprehensive review of mortgage accounts to establish full impact. Any impacted AIB customers will receive a letter in June / July (two tranches of letters issuing), explaining how mortgage accounts have been affected and detailing the payments to be made. There is no further action for you to take currently.
- If you have not received a letter from Ulster Bank / Ulydien DAC yet, and you are impacted by the error, you will receive a letter in July 2025.
- If your mortgage account was not impacted by this error, you will not hear from Ulster Bank / Ulydien DAC.
- If you have not received a letter from Ulster Bank / Ulydien DAC yet, and you are impacted by the error, you will receive a letter in July 2025.
- If your mortgage account was not impacted by this error, you will not hear from Ulster Bank / Ulydien DAC.
- If the Ulster Bank / Ulydien DAC amendment(s) impacts your normal monthly repayment amount, we will write to you and let you in in advance of your repayment amount changing.
- If Ulster Bank / Ulydien DAC wrote to you in June 2025, we have applied the amendment(s) to your mortgage account. We will only write to customers whose normal monthly payment is changing because of the Ulster Bank / Ulydien DAC amendment(s).
- Your monthly repayment will not change until the end of your arrangement. We will write to you and let you in in advance of your arrangement ending to let you know what your new repayment will be.
- Ulydien DAC, formerly known as Ulster Bank, is correcting this issue for current and former customers. Your letter will outline the issue and detail of the payment that will be made. If you have any further queries on this error, you can contact Ulydien DAC by either:
- Calling on 1800 719 874 (or 00 353 1 531 7180 if calling from abroad). Calls are free of charge from anywhere in the Republic of Ireland (including mobiles). Lines are open from 09:00 to 17:00, Monday to Friday (excluding Bank Holidays) or;
- Writing to Ulydien DAC at, FAO: ALP, PO Box 5168, Ballyogan, Dublin 18.

Mortgage Forms & Guides

Mortgage Amendment Form (PDF, 5 pages, 186KB) - This form allows you to request amendments to the Repayment Date and to the Loan Rate on your Mortgage.
Direct Debit Mandate Form (PDF, 1 page, 107KB) - 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, 148KB) - This form allows you make overpayments on your mortgage.
Mortgage Glossary (PDF, 2 pages, 199KB)

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

Family hiking through the mountains on a sunny day.

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: Your interest rate may increase and the amount of your mortgage repayments may increase as a result.

WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit report, 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.

Sustainability

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