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First time buyer, Nicole, smiling as she sits in her new home.

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

Whether you’re all set to go, or you need some help, everything is here. Read a guide, watch a video. 

If you’re ready, you can go ahead and apply, if you want to chat to an expert over the phone, we're here to help. 

Book an appointment

Watch how it all works

The journey to buying a home 2 mins

The journey to buying a home 2 mins

Your application on your time 25 sec

Your application on your time 25 sec

Getting mortgage ready 3 mins

Getting mortgage ready 3 mins

Here's how it all works

Think of a mortgage as a home loan; a way to get your feet on the property ladder - the first step on the way to getting out of renting, or living with parents and getting a home of your own. Let’s look at a couple of basics.

Basically a mortgage is a loan used to buy a home.  And the home becomes the security for the mortgage loan. A bank agrees to lend you money to buy, build or renovate a home and you agree to repay it.

When you apply for a mortgage with us we’ll give you what’s called an Approval in Principle. This shows how much we’re able to lend you based on the information you’ve given us. Of course, this isn’t a loan yet, but you can go house hunting confident of what you can afford.

With our mortgage calculator it’s easy to find out how much you could borrow.

Calculate

 

There’s also rates to consider. We’ve competitive fixed and variable rates, but what do these mean?

Fixed Rate or Variable Rate?

You can chose between a fixed interest rate, a variable one or a combination of both.

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. A fixed rate makes it easier to budget for payments. 

But remember it’s fixed for a certain time like three, five or seven years and if you change it before the end, we may charge you a fee.

A variable rate mortgage has a rate of interest which can change. We will always tell you in advance if it is going to go up or down and how your monthly repayment amount will change as a result.

So you have approval in principle, what’s next?

You go house hunting, find a home, make an offer and hopefully it goes sale agreed. When that happens let us know and we’ll guide you through the next stage. That includes things like getting the home valued by one of our valuers, getting it insured, telling us who your solicitor is, getting a mortgage protection policy in place and so on. It sounds daunting but we’ll help you through it all.

When everything’s done we’ll send you a contract – what we call a letter of offer - to sign. Your solicitor will also get a copy and they’ll take you through it before you sign it and they send it back to us.  

There isn’t a bank that will lend you all of the money to buy a property, so you need to have enough money saved to pay a deposit. If you’re buying your first home you’ll need to have saved at least 10% of the house price as a deposit. You may need more for stamp duty and legal fees.

Other buyers will need more, for example you’ll need a bigger deposit if you are buying a one bed apartment.

Getting into the habit of saving can be hard, but once you realise that a place of your own is the goal it’s worth every cent.

Get saving tips

 

Check out our savings calculator to get a clear idea of the deposit you need. It will give you a clear idea of how much you need to be saving each month to meet your target.

Savings calculator

 

Open a savings account

We have lots of different saving accounts to choose from. Consider an online notice deposit account. As soon as you get paid, use our mobile app to send money over to your savings account. If you have a habit of dipping into your savings, maybe set up a notice account where you have to give notice before taking money out.

Pop into a branch, make an appointment on aib.ie or ask us to call you back when you can speak with one of our Mortgage Experts.

You don’t need any documents or deposit saved to chat to an Expert. We’ll make sure you’re on the right track from the start by helping you make a plan to get the deposit together. If you can’t make it to a branch, we can come to meet you, so this may also be an option for you. 

Get your paperwork together

Once you’ve saved your deposit you will need to show us that you can afford to keep repaying the mortgage.  Your Mortgage Expert will tell you exactly what documents you need to provide, such as payslips, bank statements, credit card bills and proof of saving or gifts.

No Fees

Our personal mortgage customers don’t pay transaction or maintenance fees on their AIB current account they use to pay the mortgage on the home they live in.

Apply for Approval in Principle

Once you have your deposit together you can apply for a mortgage and receive an Approval in Principle. This is when we agree, in principle, to give you a mortgage, based on the information you’ve given us. Then you’ll know how much you have to spend on your new home. There will be more conditions you’ll have to meet, but we’ll make these clear so you’ll know what else you have to do before we can lend you the money.

At any time before drawdown of a loan, we may ask you to update the information you gave us to make sure nothing has changed and you can still afford the loan. Lending criteria, terms and conditions apply.

You can apply online, over the phone, or in a branch with one of our Mortgage Experts. If you’re unsure about anything, why not book an appointment online or pop into a branch to speak with one of us?

Once our Mortgage Expert gives you approval in principle, you’re well on your way. We’ll make all 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 in your own time.

✔  My Mortgage works on your mobile 
✔  It takes you step by easy step through everything 
✔  It's interactive with messages and uploads

Book an appointment

What happens after I get mortgage approval in principle?

Once we give you approval in principle, you can go house hunting with greater confidence in what you can afford.

Make an offer

If you’ve found a home you like, you can make an offer but be sure to have a surveyor check the property out. They’ll be able to spot any damp, cracks in the walls, infestation issues or faulty wiring. Once you’re satisfied the house or apartment is structurally sound, you can put down your deposit.

Find a Solicitor

If you haven’t got a solicitor yet, now’s the time to find one, maybe by asking friends or family for a recommendation.  They’ll be doing most of the dealings with the seller or builders’ solicitor on your behalf, so make sure they’re reputable. Next, tell us once you’ve made an offer; we need to know the property details, including its value. This can be easily arranged by calling our Central Valuations Team on 1890 100 051.

Sign the offer letter        

When we’re happy they’ve received all the relevant property details and any other things we’ve asked you to do (they are all laid out as conditions) we’ll send a formal offer letter to you and your solicitor. This is the official contract, so review it carefully together. Once you’re both happy, sign and return it to us.

Mortgage protection and home insurance

You’ll need to have both mortgage protection and home insurance in place before we send the money to your solicitor. Our AIB Financial Advisors will be happy to discuss your life / illness cover and income protection options.

Make buying your home a little easier

Gráinne Quirke, a Mobile Mortgage Manager, sitting in conversation with a Customer.
Gráinne Quirke, Mobile Mortgage Manager, Wexford, Wicklow & Carlow

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Higher Value 4 Year Fixed Rate

The Higher Value 4 Year Fixed Interest Rate is available to new and existing AIB mortgage customers, including Switchers, Top-ups and Self Builds, with a mortgage loan of at least €250,000 and a term of 4 years or more. Switchers availing of the Higher Value rate can also benefit from the €2,000 Switcher cash offer. Existing AIB customers who have more than one mortgage loan on the same property can avail of the Higher Value 4 Year Fixed Interest Rate if the combined value of the mortgage loans is at least €250,000 and a term of 4 years or more remains on each mortgage loan. The balance of your mortgage(s) at the time of issuing your Letter of Offer is used to determine eligibility.

Find out more
Anthony and Warren smiling and laughing as they sit in the living of their new home.
Got Approved?

Here's a rundown of the next steps you need to take...

Get more info
A person holding some application forms with calculation tools and various stationery scattered on a table.
Useful Guides & Forms

All the guides and forms you will need in one place.

Show me
A customer, Aisling, smiles as she sits having a cup of tea and chatting with a mortgage advisor at home.
Frequently Asked Questions

The answer to your questions, in one place.

Read more

Fixed or Variable Rate?

You can choose between a fixed interest rate (including our new green rate), a variable, or a combination of both.

Fixed rate

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. A fixed rate makes it easier to budget for payments. But remember it’s fixed for a certain time like three, five or seven years and if you change it before the end, we may charge you a fee. 

Green 5 Year Fixed Rate

If you are buying or building a high energy rated home, we are offering a new, lower rate of interest. You can choose this rate if you are buying or building a property in which you are going to live once it has a BER rating between A1 and B3.

Find out more

Variable rate

variable rate mortgage has a rate of interest which can change. We will always tell you in advance if it is going to go up or down and how your monthly repayment amount will change as a result.

Where you see LTV, it stands for Loan to Value. It refers to the ratio of your loan to the value of the property. We offer different rates depending on that ratio. 

Where you see Yr, it stands for Year.

Mortgage Loan Rates
Rate type Interest Rates APRC Cost per €'000
LTV Var <=50% 2.75% -- --
LTV Var >50% <=80% 2.95% -- --
LTV Var >80% 3.15% -- --
1 Year LTV Fixed <=50% 2.95% -- --
1 Year LTV Fixed >50%<=80% 3.05% -- --
1 Year LTV Fixed >80% 3.15% -- --
2 Year LTV Fixed <=50% 2.95% -- --
2 Year LTV Fixed >50%<=80% 3.05% -- --
2 Year LTV Fixed >80% 3.15% -- --
3 Year LTV Fixed <=50% 2.35% -- --
3 Year LTV Fixed >50%<=80% 2.45% -- --
3 Year LTV Fixed >80% 2.55% -- --
4 Year LTV Fixed <=50% 2.65% -- --
4 Year LTV Fixed >50%<=80% 2.75% -- --
4 Year LTV Fixed >80% 2.85% -- --
5 Year LTV Fixed <=50% 2.35% -- --
5 Year LTV Fixed >50%<=80% 2.45% -- --
5 Year LTV Fixed >80% 2.55% -- --
7 Year LTV Fixed <=50% 2.95% -- --
7 Year LTV Fixed >50%<=80% 3.05% -- --
7 Year LTV Fixed >80% 3.15% -- --
10 Year LTV Fixed <=50% 3.10% -- --
10 Year LTV Fixed>50%<=80% 3.20% -- --
10 Year LTV Fixed >80% 3.30% -- --
Green 5 Year LTV Fixed <=50% 2.10% -- --
Green 5Year LTV Fixed>50%<=80% 2.15% -- --
Green 5 Year LTV Fixed >80% 2.25% -- --
High Value 4 Yr Fixed <=50% 2.15% -- --
High Value 4 Yr Fixed>50%<=80% 2.20% -- --
High Value 4 Yr Fixed >80% 2.30% -- --
LTV Var <=50% 2.75% 2.81% €5.42
LTV Var >50% <=80% 2.95% 3.02% €5.52
LTV Var >80% 3.15% 3.22% €5.62
1 Year LTV Fixed <=50% 2.95% 2.83% €5.52
1 Year LTV Fixed >50%<=80% 3.05% 3.03% €5.57
1 Year LTV Fixed >80% 3.15% 3.22% €5.62
2 Year LTV Fixed <=50% 2.95% 2.85% €5.52
2 Year LTV Fixed >50%<=80% 3.05% 3.04% €5.57
2 Year LTV Fixed >80% 3.15% 3.22% €5.62
3 Year LTV Fixed <=50% 2.35% 2.69% €5.23
3 Year LTV Fixed >50%<=80% 2.45% 2.86% €5.27
3 Year LTV Fixed >80% 2.55% 3.04% €5.32
4 Year LTV Fixed <=50% 2.65% 2.77% €5.37
4 Year LTV Fixed >50%<=80% 2.75% 2.94% €5.42
4 Year LTV Fixed >80% 2.85% 3.10% €5.47
5 Year LTV Fixed <=50% 2.35% 2.62% €5.23
5 Year LTV Fixed >50%<=80% 2.45% 2.78% €5.27
5 Year LTV Fixed >80% 2.55% 2.93% €5.32
7 Year LTV Fixed <=50% 2.95% 2.94% €5.52
7 Year LTV Fixed >50%<=80% 3.05% 3.08% €5.57
7 Year LTV Fixed >80% 3.15% 3.22% €5.62
10 Year LTV Fixed <=50% 3.10% 3.09% €5.59
10 Year LTV Fixed>50%<=80% 3.20% 3.22% €5.64
10 Year LTV Fixed >80% 3.30% 3.34% €5.69
Green 5 Year LTV Fixed <=50% 2.10% 2.51% €5.11
Green 5Year LTV Fixed>50%<=80% 2.15% 2.64% €5.13
Green 5 Year LTV Fixed >80% 2.25% 2.79% €5.18
High Value 4 Yr Fixed <=50% 2.15% 2.58% €5.13
High Value 4 Yr Fixed>50%<=80% 2.20% 2.72% €5.15
High Value 4 Yr Fixed >80% 2.30% 2.89% €5.20
LTV Var <=50% 2.75% 2.81% €4.61
LTV Var >50% <=80% 2.95% 3.01% €4.71
LTV Var >80% 3.15% 3.22% €4.82
1 Year LTV Fixed <=50% 2.95% 2.82% €4.71
1 Year LTV Fixed >50%<=80% 3.05% 3.02% €4.77
1 Year LTV Fixed >80% 3.15% 3.22% €4.82
2 Year LTV Fixed <=50% 2.95% 2.84% €4.71
2 Year LTV Fixed >50%<=80% 3.05% 3.03% €4.77
2 Year LTV Fixed >80% 3.15% 3.22% €4.82
3 Year LTV Fixed <=50% 2.35% 2.70% €4.41
3 Year LTV Fixed >50%<=80% 2.45% 2.88% €4.46
3 Year LTV Fixed >80% 2.55% 3.06% €4.51
4 Year LTV Fixed <=50% 2.65% 2.77% €4.56
4 Year LTV Fixed >50%<=80% 2.75% 2.94% €4.61
4 Year LTV Fixed >80% 2.85% 3.12% €4.66
5 Year LTV Fixed <=50% 2.35% 2.65% €4.41
5 Year LTV Fixed >50%<=80% 2.45% 2.81% €4.46
5 Year LTV Fixed >80% 2.55% 2.97% €4.51
7 Year LTV Fixed <=50% 2.95% 2.91% €4.71
7 Year LTV Fixed >50%<=80% 3.05% 3.06% €4.77
7 Year LTV Fixed >80% 3.15% 3.22% €4.82
10 Year LTV Fixed <=50% 3.10% 3.05% €4.79
10 Year LTV Fixed>50%<=80% 3.20% 3.18% €4.84
10 Year LTV Fixed >80% 3.30% 3.32% €4.90
Green 5 Year LTV Fixed <=50% 2.10% 2.55% €4.29
Green 5Year LTV Fixed>50%<=80% 2.15% 2.69% €4.31
Green 5 Year LTV Fixed >80% 2.25% 2.85% €4.36
High Value 4 Yr Fixed <=50% 2.15% 2.61% €4.31
High Value 4 Yr Fixed>50%<=80% 2.20% 2.76% €4.34
High Value 4 Yr Fixed >80% 2.30% 2.93% €4.38
LTV Var <=50% 2.75% 2.80% €4.08
LTV Var >50% <=80% 2.95% 3.01% €4.19
LTV Var >80% 3.15% 3.21% €4.29
1 Year LTV Fixed <=50% 2.95% 2.82% €4.19
1 Year LTV Fixed >50%<=80% 3.05% 3.01% €4.24
1 Year LTV Fixed >80% 3.15% 3.21% €4.29
2 Year LTV Fixed <=50% 2.95% 2.83% €4.19
2 Year LTV Fixed >50%<=80% 3.05% 3.02% €4.24
2 Year LTV Fixed >80% 3.15% 3.21% €4.29
3 Year LTV Fixed <=50% 2.35% 2.71% €3.87
3 Year LTV Fixed >50%<=80% 2.45% 2.90% €3.92
3 Year LTV Fixed >80% 2.55% 3.08% €3.98
4 Year LTV Fixed <=50% 2.65% 2.77% €4.03
4 Year LTV Fixed >50%<=80% 2.75% 2.95% €4.08
4 Year LTV Fixed >80% 2.85% 3.12% €4.13
5 Year LTV Fixed <=50% 2.35% 2.66% €3.87
5 Year LTV Fixed >50%<=80% 2.45% 2.83% €3.92
5 Year LTV Fixed >80% 2.55% 3.00% €3.98
7 Year LTV Fixed <=50% 2.95% 2.90% €4.19
7 Year LTV Fixed >50%<=80% 3.05% 3.05% €4.24
7 Year LTV Fixed >80% 3.15% 3.21% €4.29
10 Year LTV Fixed <=50% 3.10% 3.02% €4.27
10 Year LTV Fixed>50%<=80% 3.20% 3.16% €4.32
10 Year LTV Fixed >80% 3.30% 3.31% €4.38
Green 5 Year LTV Fixed <=50% 2.10% 2.58% €3.75
Green 5Year LTV Fixed>50%<=80% 2.15% 2.73% €3.77
Green 5 Year LTV Fixed >80% 2.25% 2.90% €3.82
High Value 4 Yr Fixed <=50% 2.15% 2.63% €3.77
High Value 4 Yr Fixed>50%<=80% 2.20% 2.79% €3.80
High Value 4 Yr Fixed >80% 2.30% 2.97% €3.85
LTV Var <=50% 2.75% 2.80% €3.71
LTV Var >50% <=80% 2.95% 3.00% €3.82
LTV Var >80% 3.15% 3.21% €3.93
1 Year LTV Fixed <=50% 2.95% 2.81% €3.82
1 Year LTV Fixed >50%<=80% 3.05% 3.01% €3.87
1 Year LTV Fixed >80% 3.15% 3.21% €3.93
2 Year LTV Fixed <=50% 2.95% 2.83% €3.82
2 Year LTV Fixed >50%<=80% 3.05% 3.02% €3.87
2 Year LTV Fixed >80% 3.15% 3.21% €3.93
3 Year LTV Fixed <=50% 2.35% 2.72% €3.49
3 Year LTV Fixed >50%<=80% 2.45% 2.91% €3.55
3 Year LTV Fixed >80% 2.55% 3.09% €3.60
4 Year LTV Fixed <=50% 2.65% 2.77% €3.65
4 Year LTV Fixed >50%<=80% 2.75% 2.95% €3.71
4 Year LTV Fixed >80% 2.85% 3.13% €3.76
5 Year LTV Fixed <=50% 2.35% 2.68% €3.49
5 Year LTV Fixed >50%<=80% 2.45% 2.85% €3.55
5 Year LTV Fixed >80% 2.55% 3.02% €3.60
7 Year LTV Fixed <=50% 2.95% 2.88% €3.82
7 Year LTV Fixed >50%<=80% 3.05% 3.05% €3.87
7 Year LTV Fixed >80% 3.15% 3.21% €3.93
10 Year LTV Fixed <=50% 3.10% 2.99% €3.90
10 Year LTV Fixed>50%<=80% 3.20% 3.14% €3.96
10 Year LTV Fixed >80% 3.30% 3.29% €4.01
Green 5 Year LTV Fixed <=50% 2.10% 2.60% €3.36
Green 5Year LTV Fixed>50%<=80% 2.15% 2.76% €3.39
Green 5 Year LTV Fixed >80% 2.25% 2.93% €3.44
High Value 4 Yr Fixed <=50% 2.15% 2.65% €3.39
High Value 4 Yr Fixed>50%<=80% 2.20% 2.81% €3.41
High Value 4 Yr Fixed >80% 2.30% 2.99% €3.47
Rate type Interest Rates APRC Cost per €'000
Standard Variable Rate 4.85 -- --
1 Year Fixed 5.55 -- --
2 Year Fixed 5.75 -- --
3 Year Fixed 5.95 -- --
4 Year Fixed 6.15 -- --
5 Year Fixed 6.35 -- --
Standard Variable Rate 4.85% 4.98% €6.51
1 Year Fixed 5.55% 5.06% €6.90
2 Year Fixed 5.75% 5.18% €7.01
3 Year Fixed 5.95% 5.34% €7.12
4 Year Fixed 6.15% 5.53% €7.24
5 Year Fixed 6.35% 5.75% €7.35
Standard Variable Rate 4.85% 4.97% €5.75
1 Year Fixed 5.55% 5.04% €6.16
2 Year Fixed 5.75% 5.15% €6.28
3 Year Fixed 5.95% 5.28% €6.40
4 Year Fixed 6.15% 5.45% €6.52
5 Year Fixed 6.35% 5.64% €6.64
 
  1. For LTV fixed rates, the Annual Percentage Rate Charges (APRC)s may be higher or lower than the rate we show here, as we calculate them on the basis that the loan goes back to the LTV variable interest rate, based on the LTV interest rate band that applied to your mortgage loan during your fixed interest rate period (which may be higher or lower than the fixed rate) at the end of the fixed rate term.
  2. If you break out of a fixed rate before that rate ends we may charge you a breakage cost. For further information please click the Home Mortgage Regulatory Information.
  3. Warning: If you change your loan from a tracker rate to a fixed interest rate, at the end of the fixed rate period, you will only have the options of a variable rate or another fixed rate. Your original tracker rate will not be available to you.
  4. For variable rates, we calculate the Annual Percentage Rate Charges on the basis that the current rate will remain unchanged for the full term of the loan.
  5. Our Annual Percentage Rate Charges include valuation fees of €150 and €65 and a €60 security release fee (at the end of the mortgage term).
  6. The Higher Value 4 Year Fixed Interest Rate is available to new and existing AIB mortgage customers, including Switchers, Top-ups and Self Builds, with a mortgage loan of at least €250,000 and a term of 4 years or more. Switchers availing of the Higher Value rate can also benefit from the €2,000 Switcher cash offer. Existing AIB customers who have more than one mortgage loan on the same property can avail of the Higher Value 4 Year Fixed Interest Rate if the combined value of the mortgage loans is at least €250,000 and a term of 4 years or more remains on each mortgage loan. The balance of your mortgage(s) at the time of issuing your Letter of Offer is used to determine eligibility.

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Mortgage calculators

With our mortgage calculator it’s easy to find out how much you could borrow. Answer a few simple questions and in less than one minute we’ll calculate what your mortgage repayments might be.

You’ll need:

  • What you earn
  • The big things you spend on

Then we’ll give you an Approval in Principle figure of how much we could lend you and how much your monthly mortgage repayments might be.

Of course, this isn’t a loan yet, but you can go house hunting confident of what you could afford.

CalculatorHow much could I borrow?

Use your income and expenses to estimate how much you may be able to borrow for a home loan.

Deposit calculatorHow much do I need for deposit?

Add up all you need to save for your new home including additional costs.

Apply onlineHow to apply

You can apply:

  • online - in your own time,
  • over the phone - call us or ask us to call you back, or
  • in your local branch, or arrange a video call.

Whichever you choose we have expert advisors to help you every step of the way. You can even manage your application on your mobile and desktop with My Mortgage where you can upload documents, see what you’ve to do next and chat to our team.

Before you start, if you are relying on any income support for COVID-19 from the Government or your employer, the best way to start your mortgage application is to call us or book an appointment with your local branch.

 

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How to manage your application 

 Mobile icon.My Mortgage – Register or Login

 Or applied online after February 13th 2020?

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Check out our new app.

We're here to help. Talk to a mortgage expert, or apply now if you're ready to go. 

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Home Mortgage Regulatory Information
 

Allied Irish Banks, p.l.c. is an agent of AIB Insurance Services Limited in relation to provision of general insurance products. 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 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.

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.

 

 

Get Started

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Apply Online
chat

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Mortgage experts are here to help

Call
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Book some time with us

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