New Rates effective from April 10th 2019. Rate changes reflect a reduction of in our existing 1 to 5 and 7 year Fixed rate options, and the introduction of a new 10 year fixed rate term.
An LTV variable rate is a type of variable interest rate. We have a range of LTV variable rate bands you can choose from, depending on the amount you are borrowing relative to the value of your home.
With a Fixed Rate Mortgage, the rate and repayment remains the same for the period chosen (typically over 1 - 10 years), even when market rates fluctuate.
New 10 Year fixed rate |
3.30% |
3,4 and 5 Year fixed rate |
2.85% |
Loan to Value (LTV) variable rates |
Start at 2.75% |
Standard Variable Rate (SVR) - Existing customers |
3.15% |
Click here for more information about our mortgage interest rate options.
Apply Online for a mortgage
Request a call back from one of our Mortgage Advisors
Book appointment in your local branch
If you would like to apply to change your interest rate or the date on which your mortgage repayment is debited, you must complete our Mortgage Amendment Form.
More information on how to Change your Mortgage Details.
To talk to us about your existing AIB mortgage account, call our Mortgage Customer Service team on 1890 25 20 08 (Monday to Friday 9am to 5pm).
| Variable | Current Rates | Current APRC over 20 years | Current Cost per €'000 over 20 years |
| LTV Variable >80% | 3.15% | 3.22% | €5.62 |
| LTV Variable >50%<=80% | 2.95% | 3.01% | €5.52 |
| LTV Variable<=50% | 2.75% | 2.81% | €5.42 |
| Standard Variable (Discontinued) | 3.15% | 3.22% | €5.62 |
Fixed |
Current New Rate | Current APRC over 20 years | Current Cost per €'000 over 20 years |
|---|---|---|---|
1 Year Fixed |
3.15% | 3.22% | €5.62 |
2 Year Fixed |
3.15% | 3.22% | €5.62 |
| 3 Year Fixed | 2.85% | 3.13% | €5.47 |
| 4 Year Fixed | 2.85% | 3.10% | €5.47 |
| 5 Year Fixed | 2.85% |
3.08% | €5.47 |
| 7 Year Fixed | 3.15% | 3.22% | €5.62 |
| NEW 10 Year Fixed | 3.30% | 3.34% | €5.69 |
| Variable | Current Rates |
Current APRC over 25 years | Current Cost per €'000 over 25 years |
| LTV Variable >80% | 3.15% | 3.21% | €4.82 |
| LTV Variable >50%<=80% | 2.95% | 3.01% | €4.71 |
| LTV Variable <=50% | 2.75% | 2.80% | €4.61 |
| Standard Variable (Discontinued) | 3.15% | 3.21% | €4.82 |
| Fixed | Current New Rate | Current APRC over 25 years | Current Cost per €'000 over 25 years |
| 1 Year Fixed | 3.15% | 3.21% | €4.82 |
| 2 Year Fixed | 3.15% | 3.21% | €4.82 |
| 3 Year Fixed | 2.85% | 3.14% | €4.66 |
| 4 Year Fixed | 2.85% | 3.11% | €4.66 |
| 5 Year Fixed | 2.85% | 3.09% | €4.66 |
| 7 Year Fixed | 3.15% | 3.21% | €4.82 |
| NEW 10 Year Fixed | 3.30% | 3.32% | €4.89 |
| Variable | Current Rates |
Current APRC over 30 years | Current Cost per €'000 over 30 years |
| LTV Variable >80% | 3.15% |
3.21% | €4.29 |
| LTV Variable >50%<=80% | 2.95% |
3.00% | €4.19 |
| LTV Variable <=50% | 2.75% |
2.80% | €4.08 |
| Standard Variable (Discontinued) | 3.15% |
3.21% | €4.29 |
Fixed |
Current New Rate |
Current APRC over 30 years |
Current Cost per €'000 over 30 years |
1 Year Fixed |
3.15% |
3.21% |
€4.29 |
2 Year Fixed |
3.15% |
3.21% |
€4.29 |
3 Year Fixed |
2.85% |
3.14% |
€4.13 |
4 Year Fixed |
2.85% |
3.12% |
€4.13 |
5 Year Fixed |
2.85% |
3.10% |
€4.13 |
7 Year Fixed |
3.15% |
3.21% |
€4.29 |
| NEW 10 Year Fixed | 3.30% | 3.30% | €4.37 |
| Variable | Current Rates |
Current APRC over 35 years | Current Cost per €'000 over 35 years |
| LTV Variable >80% | 3.15% |
3.21% | €3.93 |
| LTV Variable >50%<=80% | 2.95% |
3.00% | €3.82 |
| LTV Variable <=50% | 2.75% |
2.80% | €3.71 |
| Standard Variable (Discontinued) | 3.15% |
3.21% | €3.93 |
Fixed |
Current New Rate |
Current APRC over 35 years |
Current Cost per €'000 over 35 years |
1 Year Fixed |
3.15% |
3.21% |
€3.93 |
2 Year Fixed |
3.15% |
3.21% |
€3.93 |
3 Year Fixed |
2.85% |
3.15% |
€3.76 |
4 Year Fixed |
2.85% |
3.13% |
€3.76 |
5 Year Fixed |
2.85% |
3.11% |
€3.76 |
7 Year Fixed |
3.15% |
3.21% |
€3.93 |
| NEW 10 Year Fixed | 3.30% | 3.29% | €4.01 |
In respect of Fixed Rates, Annual Percentage Rate Charges (APRC)s may be higher or lower than the nominal rate, as they are calculated on the basis that the loan reverts to the standard variable rate (which may be higher or lower than the fixed rate) following the fixed rate term.
You will not have the flexibility to Break out of the Fixed Rate without potentially incurring a breakage cost. For further information please click Home Mortgage Regulatory Information.
Warning: If you chose to convert a loan from a Tracker rate to a Fixed interest rate, at the end of the Fixed rate period, you will only have the option of moving to a Variable rate or choosing a new Fixed rate term. The original Tracker rate will not be available.
For Variable rates the APRC is calculated on the basis that the current rate will remain unchanged for the full term of the loan.
The APRC quoted are inclusive of €150.00 and €65.00 valuation report fees and security release fee of €60.00.
Click here for more information about our mortgage interest rate options.
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: 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.
Warning: The cost of your monthly repayments may increase.
Allied Irish Banks, p.l.c. is an authorised agent and servicer of AIB Mortgage Bank in relation to the origination and servicing of mortgage loans and mortgages. Allied Irish Banks, p.l.c. and AIB Mortgage Bank are regulated by the Central Bank of Ireland.
