Home of the Lowest Standard Variable Rate for our existing customers*

Why choose AIB for your Mortgage?

Competitive rates including variable (relative to your Loan to Value Ratio) and fixed for both First Time Buyer and Movers

Your personal mortgage advisor to

guide you from start to finish

Mortgage Approval for 12 Months No Fees on the Current Account you use to pay your Mortgage


* Rate only available to existing AIB Standard Variable Rate (SVR) mortgage holders or existing AIB mortgage holders rolling from a Fixed Rate Mortgage.

For more information on our recent reduction of variable mortgage interest rates for new and existing customers click here

Want to know more about our Mortgage products?

We have the right kind of Mortgage for you, whatever stage you’re at. Whether you are buying your first home, moving home, or interested in an investment property, our expert team of mortgage advisors will help you ‘put down roots’.

Plus we are the home to the Lowest Standard Variable Rate in the market for our existing customers, this applies to existing SVR owner occupier customers or owner occupier mortgage customers at the end of their fixed rate term.

First Time Buyers Mortgage

Trying to find the right place to put down roots? With mortgage approval that lasts 12 months, you've got time.

Buy-to-Let Mortgages

Control your investment by tracking the entire application on our online system.

Mortgages for Home Movers

Ready for a move? Your mortgage advisor knows where everything fits.

Top–Up Mortgage

Building a bit more room with one of our flexible mortgage products.

Tracker Interest Rate Mortgage

When you need to change your mortgage, your mortgage advisor can help keep track of everything.

Negative Equity Mover

Let's look at the positives. Your mortgage advisor knows how to size things up.

Thinking of Switching

See how much you can save on the cost of your mortgage with AIB.


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    Features and Benefits

    Why choose AIB for your First Time Buyer mortgage?

    • We’ll help you with the homework so you can focus on finding your new home.

    • Competitive interest rates for owner occupiers including Variable (relative to your Loan to Value)and Fixed. You can view our current mortgage rates here.

    • As a First Time Buyer you will require a deposit of at least 10%. AIB can offer 90% Loan to Value on Mortgages up to €220,000 and over this amount 80% Loan to Value is available to you (75% for one bed properties).

    • 6 months’ deferred start option available, subject to approval.

    • Repayment terms of up 35 years may be available to you.

    • A Mortgage Advisor to guide you through the process.

    Additional Features and Benefits

    • No Fees – When you have an AIB PDH (private dwelling house) mortgage with us, we’ll waive the maintenance and transaction fees on the current account you use to pay your mortgage. All you need to do is set up a direct debit to pay your mortgage from an AIB personal current account within 12 months from when you drawdown your new mortgage. If you are an existing AIB mortgage customer and currently don’t pay your mortgage by direct debit from an AIB Personal Current Account, you have until 11th February 2017 to set it up.

    • 30% discount on Home Insurance for all First time Buyers if you have been claim free for 3 years*.

    • Consultation with an AIB financial advisor, which includes an assessment of your life insurance, specified illness and income protection options.

    • You can apply for a Low-cost finance Masterplan Account to help you manage your monthly bills.


    *Discounts are applied on a reducing balance and a minimum premium amount of €157.50 applies.

    How it works

    • You will need to be over 18 and security will be required before you can obtain a mortgage

    • What you can borrow will also depend on what you can comfortably afford to repay monthly, this typically should not exceed 35% of your disposable income, however this may vary according to individual circumstances

    • If you take a Mortgage with a fixed rate of at least one year and decide to repay whole, or part early, if you convert to a variable interest rate, or, if you change to another fixed interest rate you may incur an early breakage cost payable to Allied Irish Banks plc., and/or AIB Mortgage Bank.

    • You will require Mortgage Protection Insurance which can be arranged via AIB or you may purchase this through another Insurance company.

    • Keep in mind you will also need money for Valuation fees (You will need to use a valuer from the AIB Residential Mortgage Valuers panel , Legal fees maybe a Surveyor and Stamp Duty. Not forgetting  possible repairs and decoration on your new home.

    • The valuation report must be dated within two months of the date of the drawdown of funds, otherwise you maybe required to obtain a new valuation. AIB has agreed with the panel a fee of €150 for the initial valuation and €65 for any subsequent valuations should they be required

    • The currency of your loan and repayments will be euro. If the currency of (some of) your income or assets you intend to use to repay the mortgage loan is not euro, and/or you live in a European Economic Area (EEA) state that is not in the euro zone, the mortgage loan is a foreign currency loan.

    You should be aware that fluctuations in the relevant currency exchange rates may affect the value of your outstanding mortgage balance and/or your repayment. This could mean that you may find it difficult to afford your mortgage repayments.

    We can only facilitate one non-euro currency per mortgage application.

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    Home Mortgage Regulatory Information

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