Green 5 Year Fixed Rate

Rates from 2.1%  - A Green Mortgage for all A1 to B3 energy rated homes.

If you are buying or building a high energy rated home, we are offering a new, lower rate of interest.

 Introducing our new Green 5 Year Fixed Rate of 2.5%.
Benefits of applying for a mortgage with AIB


Find out more
 Introducing our new Green 5 Year Fixed Rate of 2.5%.
Our new Green 5 Year Fixed Rate is available to you if:
  • You are a new customer buying the home you will live in, and that home has a BER rating between A1 and B3
  • You are a customer that has fully completed building the home you are living in, your mortgage is fully drawdown, 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.

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 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.

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. 

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Home Mortgage Regulatory Information

A typical €100,000, 20 year mortgage for an Owner Occupier Residential Property with a ‘Green’ Fixed rate of 2.25% and Annual Percentage Rate of Charge (APRC) 2.57%, this includes 60 monthly fixed repayments of €517.61 and 180 variable payments of €536.13. If the interest rate does not vary (based on today’s equivalent variable Rate of 2.75%) 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 €27,560 (inclusive of €215.00 valuation report fees and security release fee of €60.00). The total amount repayable would be €127,560. The effect of a 1% increase in the prevailing variable rate (2.75%) will add €38.19 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.

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.