AIB Loan to Value (LTV) variable rates now start at 2.75%
Standard Variable Rate (SVR) is 3.15%, only available to existing customers as a default rate after a Fixed Rate
Our 7 year fixed rate starts at 3.50%
Request a call back from one of our Mortgage Advisor
Book appointment in your local branch
To talk to us about a new mortgage application, call our Mortgage team on 1890 24 24 25 (Monday to Friday 8am to 9pm, Saturday 9am to 6pm).
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).
For existing Mortgage customers who would like to apply to change their interest rate or the date on which their mortgage is debited please complete this Mortgage Amendment Form.
| 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 |
3.20% | 3.22% | €5.64 |
2 Year Fixed |
3.20% | 3.23% | €5.64 |
| 3 Year Fixed | 3.20% | 3.23% | €5.64 |
| 4 Year Fixed | 3.30% | 3.28% | €5.69 |
| 5 Year Fixed | 3.30% |
3.29% | €5.69 |
| 7 Year Fixed | 3.50% | 3.44% | €5.79 |
| 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 | 3.20% | 3.22% | €4.84 |
| 2 Year Fixed | 3.20% | 3.22% | €4.84 |
| 3 Year Fixed | 3.20% | 3.23% | €4.84 |
| 4 Year Fixed | 3.30% | 3.26% | €4.90 |
| 5 Year Fixed | 3.30% | 3.27% | €4.90 |
| 7 Year Fixed | 3.50% | 3.40% | €5.00 |
| 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 |
3.20% |
3.21% |
€4.32 |
2 Year Fixed |
3.20% |
3.22% |
€4.32 |
3 Year Fixed |
3.20% |
3.22% |
€4.32 |
4 Year Fixed |
3.30% |
3.25% |
€4.38 |
5 Year Fixed |
3.30% |
3.26% |
€4.38 |
7 Year Fixed |
3.50% |
3.38% |
€4.49 |
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.
Note: 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.
