Moving homes?

Time for a move up or down the property ladder?

We can help:

  Get the timing right

  Tips on selling and buying

  Watch how other customers do it

If you’re all set to go you can apply online, or if you need help you can make an appointment or chat to a Mortgage Advisor on the phone.

File icon

Apply online

You can apply online in your own time


Apply now

savings icon

Book an appointment

Your local mortgage advisor can help you with your application.

Book an appointment

calculator icon

Talk to us

Mortgage advisors are here to help


Contact us

Check our rates


Green Fixed Rate

For higher energy rated homes, we are offering our lowest fixed rate of interest.


Find out more


Fixed Rate

A fixed rate mortgage has a rate of interest which doesn’t change for a set period of time, so you know exactly how much you pay every month.

Find out more


Variable Rate

A variable rate mortgage has a rate of interest which can change.


Find out more

Get started

savings icon

How much do I need for a deposit?

Getting the deposit together is hard, we can help

Calculate deposit

calculator icon

How much could I borrow?


Try our online mortgage calculator



File icon

Ready to apply?


Maybe you’ve got everything together already

Apply now

Benefits of an AIB mortgage

Great Rates

With AIB you can choose from a combination of Fixed and Variable interest rates, available to new and existing customers.

Expert Advice

Talk to our dedicated team of mortgage advisors in branch or over the phone. They can help you through the mortgage process.

No Fees

Bank free of transaction and maintenance fees by paying your AIB mortgage from an AIB current account. There may be some other charges, for example if you go overdrawn without agreement.

 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.

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.

Here's how it all works


Calculate & apply 

Firstly you will need to calculate your budget. If the price of your new home is more than your savings and the equity in your existing home combined, then you’ll need a new mortgage. Find out how much you could borrow using our handy mortgage calculator. (New Home Budget = Equity + Savings + New Mortgage). When you’re ready to apply for your mortgage, talk to our dedicated team of mortgage advisors in branch, on the phone or apply in your own time.

Mortgage calculator >


Approval in Principle

Once you have your deposit and have given us your information we will give you an idea of how much you can borrow. We call this Approval in Principle, which means you are one step away from getting the money to buy your new home. It’s not the formal contract, not just yet, but it means you can go house hunting and it stays valid for 6 months.


Log in to MyMortgage web app

With the MyMortgage app, we’ll make the next steps as easy as we can for you. You can manage your application on your personal device, in your own time.

MyMortgage web app >


Find your home & complete your application 

Once you’ve found your new home and made an offer, we’ll need to know the property details and the name of your solicitor to finalise your mortgage application. We’ll also need a Validation Report on the home proof that you have mortgage protection and home insurance in place.


Mortgage Drawdown

When all conditions of the mortgage have been met we will send a letter of offer to you and your solicitor. Once reviewed and you are happy with the contract, you should both sign the contract and return it to AIB. Once all is in order your solicitor will drawdown your mortgage funds on your behalf and send them onto the seller.

Next steps

savings icon

Got approved?

Here's a rundown of the next steps you need to take...

Get more info

File icon

Useful guides & forms

All the guides and forms you will need in one place

Show me


Frequently asked questions

The answer to your questions, in one place.

Visit the FAQs

Help & support


Home Mortgage Regulatory Information

Allied Irish Banks, p.l.c. is an agent of AIB Insurance Services Limited in relation to provision of general insurance products. AIB Home Insurance is exclusively underwritten by AXA Insurance dac. AIB Insurance Services Limited is regulated by the Central Bank of Ireland.

Allied Irish Banks, p.l.c. is an authorised agent and servicer of AIB Mortgage Bank u.c. in relation to origination and servicing of mortgage loans and mortgages. AIB Mortgage Bank u.c. is regulated by the Central Bank of Ireland.

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.

Get Started

Get Started



It’s now easier to apply

Apply Online
call centrre

Talk to us

Mortgage experts are here to help

Book an appointment

Book some time with us

Your local mortgage expert can help

Book an appointment
webchat icon

Chat to us now

We are open for chat
Chat is busy at the moment
Chat is out of service
We are closed for the bank holiday
Chat is closed
We are closed due to an emergency
Chat is unavailable
If you wish to chat, you will need to enable functional cookies.
Chat now