Green Fixed Rates
from just 3.00%
For higher energy rated homes we are offering our lowest fixed rate of interest.
Our Green 2 Year Fixed Rate and 5 Year Fixed Rate are available to you if:
You are buying a home with a Building Energy Rating (BER) rating between A1 and B3. We’ll need your BER Cert to confirm this.
You are building your own home. We’ll need Building Certs that show the build work meets nearly Zero Energy Building (nZEB) standards.
You are undertaking renovations that don’t require planning permission. We’ll need your BER Cert to confirm the home has a BER rating of between A1 and B3 before starting the work. Or, if the work being done is intended to improve the BER of the home to at least B3 then a BER Cert can be provided after the work is done and the mortgage loan can then be changed to the Green 2 Year Fixed Rate or Green 5 Year Fixed Rate.
You are undertaking renovations that require planning permission. We’ll need Building Certs that show the build work meets nZEB standards.
Our GreenA 3 Year Fixed Rate is available to you if:
You are buying a home with a Building Energy Rating (BER) rating between A1 and A3. We’ll need your BER Cert to confirm this.
You are building your own home. We’ll need Building Certs that show the build work meets nearly Zero Energy Building (nZEB) standards.
You are undertaking renovations. We’ll need your BER Cert to confirm the home has a BER rating of between A1 and A3 before starting the work. Or, if the work being done is intended to improve the BER of the home to at least A3 then a BER Cert can be provided after the work is done and the mortgage loan can then be changed to the GreenA 3 Year Fixed Rate.
Please note:
If you choose a Green rate and break out of an existing fixed rate before that rate ends, an early repayment charge may apply.
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.
nearly Zero Energy Building (nZEB) standards require all new build homes to achieve a Building Energy Rating (BER) of at least A2 & for homes undergoing extensive renovations to achieve at least a B2.
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.
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 and your home has a BER rating between A1 and B3, then you may also get one of our Green Fixed Rates. 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 (PDF, 5 pages, 192KB), sign it and send it back to us with your BER certificate or if you are doing works that need planning permission, you will need to fill in an AIB Building Certificate (PDF).
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 advisor that you want a Green Fixed Rate. If you qualify for that rate, they’ll make sure it’s part of your contract with us.
Our mortgage advisor will tell you what certificates you will need to send in before you take out the loan.
If applying online simply choose this rate as an option.
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. You’ll find it here and if you use our mobile banking app, you can get to it from ‘Products’.
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.
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 3.40% and Annual Percentage Rate of Charge (APRC) 3.88%, will include 60 monthly fixed repayments of €574.49 and 180 variable payments of €604.47. If the interest rate does not vary (based on today’s equivalent variable rate of 4.15%) 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 €43,548.48 (inclusive of €215.00 valuation report fees and security release fee of €60.00). The total amount repayable would be €143,548.48. The effect of a 1% increase in the prevailing variable rate (4.15%) will add €41.31 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. 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 (Buy Now Pay Later) agreement in the future. |
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Tel: +353 (0)1 6600311 Registered in Ireland: Registered No. 24173 Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland. Copyright Allied Irish Banks, p.l.c. 1995