Taking the first steps



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

If you’re all set to go you can apply online, or if you need help you can make an appointment or chat to a Mortgage Advisor on the phone.

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Apply online

You can apply online in your own time


Apply now

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Book an appointment

Your local mortgage advisor can help you with your application.

Book an appointment

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Talk to us

Mortgage advisors are here to help


Contact us

Check our rates


Green Fixed Rate

For higher energy rated homes, we are offering our lowest fixed rate of interest.


Find out more


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.

Find out more


Variable Rate

A variable rate mortgage has a rate of interest which can change.


Find out more

Mortgage timeline


Calculate possible mortgage & apply 

Find out how much you might be able to borrow using our Mortgage Calculator. When you’re ready to apply for your mortgage talk to our dedicated team of mortgage advisors in branch, over the phone or apply online in your own time.

Mortgage calculator >


Get Approval in Principle

Once you have your deposit and have given us your information we will give you an idea of how much you can borrow. We call this Approval in Principle, which means you are one step away from getting the money to buy your new home. It’s not the formal contract, not just yet, but it means you can go house hunting and it stays valid for 6 months.


Log in to MyMortgage web app

With the MyMortgage app, we’ll make the next steps as easy as we can for you. You can manage your application on your personal device, in your own time.

MyMortgage web app >


Find your home & complete your application 

Once you’ve found your new home and made an offer, we’ll need to know the property details and the name of your solicitor to finalise your mortgage application. We will also need a Valuation Report on the home and show that you have mortgage protection and home insurance in place.


Mortgage Drawdown

When all conditions of the mortgage have been met we will send a letter of offer to you and your solicitor, once reviewed and you are happy with the contract, you should both sign the contract and return it to AIB. Once all is in order your solicitor will drawdown your mortgage funds on your behalf.

Benefits of an AIB mortgage

Great Rates

With AIB you can choose from a combination of Fixed and Variable interest rates, available to new and existing customers.

Expert Advice

Talk to our dedicated team of mortgage advisors in branch or over the phone. They can help you through the mortgage process.

No Fees

Bank free of transaction and maintenance fees by paying your AIB mortgage from an AIB current account. There may be some other charges, for example if you go overdrawn without agreement.

Manage your application with MyMortgage

Once you have applied for a mortgage, we’ll make all the next steps as easy as we can for you. We’ll provide you will access to MyMortgage which lets you control the rest of your application on your mobile, tablet or desktop, in your own time.

Through MyMortgage you can see the documents required to support and progress the application. It also provides the ability to upload documents, to review and download your Approval in Principle plus other documents and has a message function to contact one of our Mortgage Advisors whenever you need any help.

Useful information


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Mortgage calculator 
Find out how much you could borrow
Mortgage interest rates
 You can choose between a fixed and a variable interest rate
Learn more
Mortgage application checklist
The things you’ll need for your mortgage application
Frequently asked questions
The answer to your questions, in one place
Government Schemes
Where you can find out more about some Government schemes that you might be eligible for

Help & support


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 agreement in the future.

Get Started

Get Started



It’s now easier to apply

Apply Online
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Talk to us

Mortgage experts are here to help

Book an appointment

Book some time with us

Your local mortgage expert can help

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