| Rate type | Interest Rates | APRC | Cost per €'000 |
|---|---|---|---|
| LTV Var <=50% | 2.75% | -- | -- |
| LTV Var >50% <=80% | 2.95% | -- | -- |
| LTV Var >80% | 3.15% | -- | -- |
| 1 Year LTV Fixed <=50% | 2.95% | -- | -- |
| 1 Year LTV Fixed >50%<=80% | 3.05% | -- | -- |
| 1 Year LTV Fixed >80% | 3.15% | -- | -- |
| 2 Year LTV Fixed <=50% | 2.95% | -- | -- |
| 2 Year LTV Fixed >50%<=80% | 3.05% | -- | -- |
| 2 Year LTV Fixed >80% | 3.15% | -- | -- |
| 3 Year LTV Fixed <=50% | 2.35% | -- | -- |
| 3 Year LTV Fixed >50%<=80% | 2.45% | -- | -- |
| 3 Year LTV Fixed >80% | 2.55% | -- | -- |
| 4 Year LTV Fixed <=50% | 2.65% | -- | -- |
| 4 Year LTV Fixed >50%<=80% | 2.75% | -- | -- |
| 4 Year LTV Fixed >80% | 2.85% | -- | -- |
| 5 Year LTV Fixed <=50% | 2.35% | -- | -- |
| 5 Year LTV Fixed >50%<=80% | 2.45% | -- | -- |
| 5 Year LTV Fixed >80% | 2.55% | -- | -- |
| 7 Year LTV Fixed <=50% | 2.95% | -- | -- |
| 7 Year LTV Fixed >50%<=80% | 3.05% | -- | -- |
| 7 Year LTV Fixed >80% | 3.15% | -- | -- |
| 10 Year LTV Fixed <=50% | 3.10% | -- | -- |
| 10 Year LTV Fixed>50%<=80% | 3.20% | -- | -- |
| 10 Year LTV Fixed >80% | 3.30% | -- | -- |
| Green 5 Year LTV Fixed <=50% | 2.10% | -- | -- |
| Green 5Year LTV Fixed>50%<=80% | 2.15% | -- | -- |
| Green 5 Year LTV Fixed >80% | 2.25% | -- | -- |
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Amy & Paul's second home, Dublin 9
Making a move
Making a move
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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
Everything you need to know is here.
Read a guide, watch a video. Take your time. And when you’re ready to chat we’ll help however we can, wherever it suits you.
Watch how it all works
Here's how it all works
Mortgage options when moving
If you’re already on the property ladder and want to move to another home, we’ll help you with a few pointers.
Know what your home is worth
This will help you figure out how much money you’ll have from the sale of your home after repaying the mortgage and fees. This money can then go towards your next home. It’s a good idea to get valuations from a few different estate agents. Their fees can vary from 1.5% to 2.5% (so remember to question the price). You’ll also need to find out how much a solicitor will charge for managing the sale of your home. Again it’s worth approaching more than one solicitor for a price.
What will your new home look like?
How many bedrooms will you need? Do you want a big garden? Do you want to be close to schools or public transport? Making a list of what’s important to you can help you focus on where to look and to compare properties.
Make a timeline
Lots of people ask us should they buy first or sell first? There really isn’t a right answer to this question. It all depends on whether you can afford to pay for two homes, even for a short time as you sell your old one. Many of our customers have sold their old home before they take out a mortgage with us for the new one.
Fix your budget
You’ll need to decide how much you can afford to spend on your new home. This will depend on the money left over from the sale of your old home, savings you have and your new mortgage loan. You can use our Home Buying Calculator to work out how much you’ll need to save.
Talk to one of our Mortgage Experts
You don’t need any documents or deposit to talk to us. We can guide you through every step towards getting a mortgage and finding a home. In some cases we can even come to you, wherever you are.
Tips on moving home
So you’ve decided to move. Up or down the property ladder, to a bigger place for a growing family or maybe it’s a downsize as they move out. It’s an exciting time, but there’s also a little work in getting to grips with moving.
We’ve gathered some top tips here to help make the whole process easier for you.
Make a plan
Everyone loves a plan some more than others. Set an evening aside with yourself and any significant other and make a list of what needs to be done. Once you have a rough plan on paper, the whole thing won’t seem as daunting.
Consider things like what mover to use, when you can fit time in to your schedule to pack and the packing material.
You’ll need to arrange a deep clean for your current home before you leave it. Moving home is an ideal time to get rid of clutter. Put everything through the ‘Do we really need to keep this or will it end up in the new attic to gather dust?’ – test. You’ll thank yourself when you arrive at your new home with a blank canvas to work from.
Planning list will help organise what you need to do and when, so make sure you’re being realistic about giving yourself enough time to see it all through. Looking at it on paper, you may feel you’ll be able to fit it all in on weekends and even the odd evening after work – but be realistic, build in some extra time and breaks in between. You’ve still got your day to day stuff to do, the classes, the relaxation, helping with the homework.
It’s all about balance, isn’t it?
Talk to one of our experts
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
What happens next?
What happens after I get mortgage approval?
Once we give you approval in principle, you can go house hunting confident of what you can afford.
Make an offer
If you’ve found a home you like, you can put down an offer but be sure to have a surveyor check the property out. They’ll be able to spot any damp, cracks in the walls, infestation issues or faulty wiring. Once you’re satisfied the house or apartment is structurally sound, you can put down your deposit.
Find a Solicitor
If you haven’t got a solicitor yet, now’s the time to find one, maybe by asking friends or family for a recommendation. They’ll be doing most of the dealings with the seller or builders’ solicitor on your behalf, so make sure they’re reputable. Next, tell us once you’ve made an offer; we need to know the property details, including its value. This can be easily arranged by calling our Central Valuations Team on 1890 100 051.
Sign the offer letter
When we’re happy they’ve received all the relevant property details and any other things we’ve asked you to do (they are all laid out as conditions) we’ll send a formal offer letter to you and your solicitor. This is the official contract, so review it carefully together. Once you’re both happy, sign and return it to us.
Mortgage protection and home insurance
You’ll need to have both mortgage protection and home insurance in place before we send the money to your solicitor. Our AIB Financial Advisors will be happy to discuss your life / illness cover and income protection options. We’ll also give you 30% discount on home insurance if you’ve been claims-free for three years or more. All discounts are applied on a reducing balance basis and are subject to a minimum premium of €157.50 for Buildings & Contents Insurance and €105 for Contents Only. Once those details are confirmed, the mortgage loan can go ahead.
Make buying your home a little easier
Fixed or Variable Rate?
You can choose between a fixed interest rate (including our new green rate), a variable, or a combination of both.
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. A fixed rate makes it easier to budget for payments. But remember it’s fixed for a certain time like three, five or seven years and if you change it before the end, we may charge you a fee.
Green 5 Year Fixed Rate
If you are buying or building a high energy rated home, we are offering a new, lower rate of interest. You can choose this rate if you are buying or building a property in which you are going to live once it has a BER rating between A1 and B3.
Variable rate
A variable rate mortgage has a rate of interest which can change. We will always tell you in advance if it is going to go up or down and how your monthly repayment amount will change as a result.
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.
Mortgage Loan Rates
- For LTV fixed rates, the Annual Percentage Rate Charges (APRC)s may be higher or lower than the rate we show here, as we calculate them on the basis that the loan goes back to the LTV variable interest rate, based on the LTV interest rate band that applied to your mortgage loan during your fixed interest rate period (which may be higher or lower than the fixed rate) at the end of the fixed rate term.
- If you break out of a fixed rate before that rate ends we may charge you a breakage cost. For further information please click the Home Mortgage Regulatory Information.
- Warning: If you change your loan from a tracker rate to a fixed interest rate, at the end of the fixed rate period, you will only have the options of a variable rate or another fixed rate. Your original tracker rate will not be available to you.
- For variable rates, we calculate the Annual Percentage Rate Charges on the basis that the current rate will remain unchanged for the full term of the loan.
- Our Annual Percentage Rate Charges include valuation fees of €150 and €65 and a €60 security release fee (at the end of the mortgage term).
Mortgage calculators
With our mortgage calculator it’s easy to find out how much you could borrow. Answer a few simple questions and in less than one minute we’ll calculate what your mortgage repayments might be.
You’ll need:
- What you earn
- The big things you spend on
Then we’ll give you an Approval in Principle figure of how much we could lend you and how much your monthly mortgage repayments might be.
Of course, this isn’t a loan yet, but you can go house hunting confident of what you could afford.
How much could I borrow?Use your income and expenses to estimate how much you may be able to borrow for a home loan.
How much do I need for deposit?Add up all you need to save for your new home including additional costs.
How to applyYou can apply:
- online - in your own time,
- over the phone - call us or ask us to call you back, or
- in your local branch, or arrange a video call.
Whichever you choose we have expert advisors to help you every step of the way. You can even manage your application on your mobile and desktop with My Mortgage where you can upload documents, see what you’ve to do next and chat to our team.
Before you start, if you are relying on any income support for COVID-19 from the Government or your employer, the best way to start your mortgage application is to call us or book an appointment with your local branch.
We're here to help, talk to a mortgage expert when and where it suits you.
Get Started
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.
| 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. |
Before proceeding please read our Site Use Terms and Conditions, Privacy & Cookie statement which apply to your use of this website. AIB and AIB Group are registered business names of Allied Irish Banks, p.l.c. Registered Office: 10 Molesworth Street, Dublin 2
