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.
Book an appointment
Your local mortgage advisor can help you with your application.
Book an appointment
Check our rates
Green Fixed Rate
For higher energy rated homes, we are offering our lowest fixed rate of interest.
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.
How much do I need for a deposit?
Getting the deposit together is hard, we can help
Benefits of an AIB mortgage
With AIB you can choose from a combination of Fixed and Variable interest rates, available to new and existing customers.
Talk to our dedicated team of mortgage advisors in branch or over the phone. They can help you through the mortgage process.
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 My Mortgage
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 My Mortgage which lets you control the rest of your application on your mobile, tablet or desktop, in your own time.
Through My Mortgage 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.
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 My Mortgage web app
With the My Mortgage app, we’ll make 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 on your phone, table or desktop, in your own time and has everything you need in one place.
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.
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.
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 in the future.