Our new Green 5 Year Fixed Rate is available to you if:
You are a new customer buying a home that has a BER rating between A1 and B3.
You are a customer that has fully completed building your home, your mortgage is fully drawn down, and the home has a BER rating between A1 and B3.
You already have a mortgage loan with us, your home has a BER rating between A1 and B3 and you’ve more than five years left on the loan.
You’re switching your mortgage to AIB and your home has a BER rating between A1 and B3.
Green Fixed Rate
from just 3.65%
For higher energy rated homes we are offering our lowest fixed rate of interest.
A BER cert is valid for 10 years.
There may be a cost associated with obtaining a BER cert, please refer to www.seai.ie for further information.
If you top up an existing mortgage loan to get your home to a BER rating between A1 and B3, you can only apply for this Green 5-Year Fixed Rate once your top-up mortgage is fully drawn down and you supply us with a valid BER Cert showing us that your home now has a BER rating between A1 and B3.
Book an appointment
Your local mortgage expert can help you with your application
Benefits of an AIB Green Mortgage
Our Lowest Green Rate
If you are buying or building a high energy rated home with a BER rating between A1 and B3, we’re offering our lowest fixed rate of interest.
Available to Existing Customers
If you already have a mortgage with us, your home has a BER rating between A1 and B3 and you’ve got more than five years left on your mortgage, then you can also get our Green rates. All you need to do is fill out your details and complete section two of the Mortgage Amendment form, sign it and send it back to us with your BER certificate.
Easier to Switch
Thinking of switching your mortgage to AIB? If you have a high energy rated home you could get our lowest green mortgage fixed rate.
How to apply
Already have a mortgage with us?
Fill out your details and complete section two of the Mortgage Amendment form, sign it and send it back to us with your BER certificate.
There are some terms and conditions you need to be aware of, such as, if you repay even part of your loan while on a fixed rate, or you break out of your fixed-rate early, you may have to pay a breakage cost. We set these out on the form.
Our customer support team can help you on 0818 251 008.
Applying for a mortgage with us?
Tell our mortgage adviser that you want the Green 5 Year Fixed Rate. They’ll make sure it’s part of your contract with us.
Send us a copy of the BER cert for the property before you take out the loan.
If applying online simply choose this rate as an option.
Manage your application with My Mortgage
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 My Mortgage which lets you control the rest of your application on your mobile, tablet or desktop, in your own time.
Through My Mortgage 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.
Help & support
Home Mortgage Regulatory Information
A typical €100,000, 20 year mortgage for an Owner Occupier Residential Property with a ‘Green’ Fixed rate of 3.85% and Annual Percentage Rate of Charge (APRC) 3.75%, this includes 60 monthly fixed repayments of €597.62 and 180 variable payments of €583.55. If the interest rate does not vary (based on today’s equivalent variable Rate of 3.50%) during the term of the mortgage, the total cost of credit i.e. the total amount repayable less than the amount of the loan would be €41,170.56 (inclusive of €215.00 valuation report fees and security release fee of €60.00). The total amount repayable would be €141,170.56. The effect of a 1% increase in the prevailing variable rate (3.50%) will add €40.68 to the 180 monthly variable repayments. Available to new and existing customers. Breakage fees may apply in the case of existing customers. Lending criteria, terms and conditions apply.
|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.|