Pop into a branch, make an appointment on aib.ie or ask us to call you back when you can speak with one of our Mortgage Experts.
You don’t need any documents or deposit saved to chat to an Expert. We’ll make sure you’re on the right track from the start by helping you make a plan to get the deposit together. If you can’t make it to a branch, we can come to meet you, so this may also be an option for you.
Get your paperwork together
Once you’ve saved your deposit you will need to show us that you can afford to keep repaying the mortgage. Your Mortgage Expert will tell you exactly what documents you need to give us, such as payslips, bank statements, credit card bills and proof of saving or gifts.
No Fees
Our personal mortgage customers don’t pay transaction or maintenance fees on their AIB current account they use to pay the mortgage on the home they live in.
Apply for Approval in Principle
Once you have your deposit together you can apply for a mortgage and receive an Approval in Principle. This is when we agree, in principle, to give you a mortgage, based on the information you’ve given us. Then you’ll know how much you have to spend on your new home. There will be more conditions you’ll have to meet, but we’ll make these clear so you’ll know what else you have to do before we can lend you the money.
You can apply online, over the phone, or in a branch with one of our Mortgage Experts. If you’re unsure about anything, why not book an appointment online or pop into a branch to speak with one of us?
Once our Mortgage Expert gives you approval in principle, you’re well on your way. We’ll make all the next steps as easy as we can for you. We’ll send you a link to My Mortgage, which lets you control the rest of your application in your own time.
✔ My Mortgage works on your mobile
✔ It takes you step by easy step through everything
✔ It's interactive with messages and uploads
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