Need to talk to us?
You can contact us in a number of ways. Fill in the enquiry form, find the relevant AIB phone number and location, or contact us on one of our social media channels.
Choose whatever suits you.
- You are a new customer building or buying your home (Private Dwelling Home mortgage) with a BER ratng 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 already have a mortgage loan with us and you want to top it up to get your home to a BER rating between A1 and B3.
Things to note:
- A BER cert is valid for 10 years
- There may be a costs associated with obtaining a BER cert, please refer to www.seai.ie for further information.
How to apply
- 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 1890 252 008.
- 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.
We're here to help, talk to a mortgage expert when and where it suits you
Home Regulatory Information
A typical €100,000, 20 year mortgage for an Owner Occupier Residential Property with a ‘Green’ Fixed rate of 2.45% and APRC 2.89%, this includes 60 monthly fixed repayments of €527.23 and 180 variable payments of €553.59 (based on today’s SVR rate of 3.15%). If the interest rate does not vary 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 €31,280 (inclusive of €215.00 valuation report fees and security release fee of €60.00). The total amount repayable would be €131,280. The effect of a 1% increase in the prevailing SVR (3.15%) will add €38.97 to the 180 monthly variable repayments.
| 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. |
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