Changes to our Higher Value 4 Year Fixed Mortgage Rates

AIB is decreasing its Private Dwelling Home (PDH) Higher Value 4 Year Fixed Rates for mortgages in the Republic of Ireland.

The new Higher Value 4 Year Fixed Rates will be available from 3 July 2024 for new and existing customers.

AIB PDH Higher Value 4 Year Fixed Rates:

	Current Rate	New Rates (Effective from 03 July 2024)
AIB PDH HV 4 Year Fixed Rate – LTV <50%	4.20%	3.95%
AIB PDH HV 4 Year Fixed Rate – LTV 50% - 80%	4.35%	4.10%
AIB PDH HV 4 Year Fixed Rate – LTV 80% - 90%	4.55%	4.30%

If you want to change the interest rate on your mortgage, please fill out the customer information and section 2 of the Mortgage Amendment Form. Get everyone on the mortgage to sign it and email it to homemortgages@aib.ie. You can also post it to the address shown on the form.

I have a mortgage with AIB and I have a fixed rate. Can I have the new Higher Value 4 Year Fixed Rate?

Yes, if you already have a fixed rate on your mortgage, you can have the new rate once you meet certain criteria.

The AIB Higher Value 4 Year Fixed Rate is available to customers borrowing €250,000 or more. The new rate is also available to existing AIB mortgage customers with a balance of at least €250,000.

If you move off a fixed rate, we may charge you an Early Breakage Charge. Please contact your Mortgage Advisor or local branch who will give you more information on this.

I have a Letter of Offer with a Higher Value rate on it. What rate will be applied to my mortgage at drawdown?

If you drawdown your mortgage prior to 3July 2024 on our Higher Value 4 Year Fixed Rate the previous rate (rate quoted in your Letter of Offer) will apply.

If you drawdown your mortgage on or after 3 July2024 the new decreased rate will apply.

I have a mortgage with AIB and my mortgage is on a variable rate. Are variable rates changing?

No, we are not changing our Variable Rates.
Details of our mortgage rates are available on our website.

You can visit: https://aib.ie/our-products/mortgages/mortgage-interest-rates

I am concerned about missing payments on my mortgage.

If you are concerned about your mortgage repayments or if you have already missed repayments, you can speak with us by calling 0818 251 008 and selecting Option 1.

Or, you can visit https://aib.ie/have-you-missed-a-mortgage-payment