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.

Find out more

Variable rate

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. 

Where you see Yr, it stands for Year.

Mortgage Loan Rates
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% -- --
High Value 4 Yr Fixed <=50% 2.15% -- --
High Value 4 Yr Fixed>50%<=80% 2.20% -- --
High Value 4 Yr Fixed >80% 2.30% -- --
LTV Var <=50% 2.75% 2.81% €5.42
LTV Var >50% <=80% 2.95% 3.02% €5.52
LTV Var >80% 3.15% 3.22% €5.62
1 Year LTV Fixed <=50% 2.95% 2.83% €5.52
1 Year LTV Fixed >50%<=80% 3.05% 3.03% €5.57
1 Year LTV Fixed >80% 3.15% 3.22% €5.62
2 Year LTV Fixed <=50% 2.95% 2.85% €5.52
2 Year LTV Fixed >50%<=80% 3.05% 3.04% €5.57
2 Year LTV Fixed >80% 3.15% 3.22% €5.62
3 Year LTV Fixed <=50% 2.35% 2.69% €5.23
3 Year LTV Fixed >50%<=80% 2.45% 2.86% €5.27
3 Year LTV Fixed >80% 2.55% 3.04% €5.32
4 Year LTV Fixed <=50% 2.65% 2.77% €5.37
4 Year LTV Fixed >50%<=80% 2.75% 2.94% €5.42
4 Year LTV Fixed >80% 2.85% 3.10% €5.47
5 Year LTV Fixed <=50% 2.35% 2.62% €5.23
5 Year LTV Fixed >50%<=80% 2.45% 2.78% €5.27
5 Year LTV Fixed >80% 2.55% 2.93% €5.32
7 Year LTV Fixed <=50% 2.95% 2.94% €5.52
7 Year LTV Fixed >50%<=80% 3.05% 3.08% €5.57
7 Year LTV Fixed >80% 3.15% 3.22% €5.62
10 Year LTV Fixed <=50% 3.10% 3.09% €5.59
10 Year LTV Fixed>50%<=80% 3.20% 3.22% €5.64
10 Year LTV Fixed >80% 3.30% 3.34% €5.69
Green 5 Year LTV Fixed <=50% 2.10% 2.51% €5.11
Green 5Year LTV Fixed>50%<=80% 2.15% 2.64% €5.13
Green 5 Year LTV Fixed >80% 2.25% 2.79% €5.18
High Value 4 Yr Fixed <=50% 2.15% 2.58% €5.13
High Value 4 Yr Fixed>50%<=80% 2.20% 2.72% €5.15
High Value 4 Yr Fixed >80% 2.30% 2.89% €5.20
LTV Var <=50% 2.75% 2.81% €4.61
LTV Var >50% <=80% 2.95% 3.01% €4.71
LTV Var >80% 3.15% 3.22% €4.82
1 Year LTV Fixed <=50% 2.95% 2.82% €4.71
1 Year LTV Fixed >50%<=80% 3.05% 3.02% €4.77
1 Year LTV Fixed >80% 3.15% 3.22% €4.82
2 Year LTV Fixed <=50% 2.95% 2.84% €4.71
2 Year LTV Fixed >50%<=80% 3.05% 3.03% €4.77
2 Year LTV Fixed >80% 3.15% 3.22% €4.82
3 Year LTV Fixed <=50% 2.35% 2.70% €4.41
3 Year LTV Fixed >50%<=80% 2.45% 2.88% €4.46
3 Year LTV Fixed >80% 2.55% 3.06% €4.51
4 Year LTV Fixed <=50% 2.65% 2.77% €4.56
4 Year LTV Fixed >50%<=80% 2.75% 2.94% €4.61
4 Year LTV Fixed >80% 2.85% 3.12% €4.66
5 Year LTV Fixed <=50% 2.35% 2.65% €4.41
5 Year LTV Fixed >50%<=80% 2.45% 2.81% €4.46
5 Year LTV Fixed >80% 2.55% 2.97% €4.51
7 Year LTV Fixed <=50% 2.95% 2.91% €4.71
7 Year LTV Fixed >50%<=80% 3.05% 3.06% €4.77
7 Year LTV Fixed >80% 3.15% 3.22% €4.82
10 Year LTV Fixed <=50% 3.10% 3.05% €4.79
10 Year LTV Fixed>50%<=80% 3.20% 3.18% €4.84
10 Year LTV Fixed >80% 3.30% 3.32% €4.90
Green 5 Year LTV Fixed <=50% 2.10% 2.55% €4.29
Green 5Year LTV Fixed>50%<=80% 2.15% 2.69% €4.31
Green 5 Year LTV Fixed >80% 2.25% 2.85% €4.36
High Value 4 Yr Fixed <=50% 2.15% 2.61% €4.31
High Value 4 Yr Fixed>50%<=80% 2.20% 2.76% €4.34
High Value 4 Yr Fixed >80% 2.30% 2.93% €4.38
LTV Var <=50% 2.75% 2.80% €4.08
LTV Var >50% <=80% 2.95% 3.01% €4.19
LTV Var >80% 3.15% 3.21% €4.29
1 Year LTV Fixed <=50% 2.95% 2.82% €4.19
1 Year LTV Fixed >50%<=80% 3.05% 3.01% €4.24
1 Year LTV Fixed >80% 3.15% 3.21% €4.29
2 Year LTV Fixed <=50% 2.95% 2.83% €4.19
2 Year LTV Fixed >50%<=80% 3.05% 3.02% €4.24
2 Year LTV Fixed >80% 3.15% 3.21% €4.29
3 Year LTV Fixed <=50% 2.35% 2.71% €3.87
3 Year LTV Fixed >50%<=80% 2.45% 2.90% €3.92
3 Year LTV Fixed >80% 2.55% 3.08% €3.98
4 Year LTV Fixed <=50% 2.65% 2.77% €4.03
4 Year LTV Fixed >50%<=80% 2.75% 2.95% €4.08
4 Year LTV Fixed >80% 2.85% 3.12% €4.13
5 Year LTV Fixed <=50% 2.35% 2.66% €3.87
5 Year LTV Fixed >50%<=80% 2.45% 2.83% €3.92
5 Year LTV Fixed >80% 2.55% 3.00% €3.98
7 Year LTV Fixed <=50% 2.95% 2.90% €4.19
7 Year LTV Fixed >50%<=80% 3.05% 3.05% €4.24
7 Year LTV Fixed >80% 3.15% 3.21% €4.29
10 Year LTV Fixed <=50% 3.10% 3.02% €4.27
10 Year LTV Fixed>50%<=80% 3.20% 3.16% €4.32
10 Year LTV Fixed >80% 3.30% 3.31% €4.38
Green 5 Year LTV Fixed <=50% 2.10% 2.58% €3.75
Green 5Year LTV Fixed>50%<=80% 2.15% 2.73% €3.77
Green 5 Year LTV Fixed >80% 2.25% 2.90% €3.82
High Value 4 Yr Fixed <=50% 2.15% 2.63% €3.77
High Value 4 Yr Fixed>50%<=80% 2.20% 2.79% €3.80
High Value 4 Yr Fixed >80% 2.30% 2.97% €3.85
LTV Var <=50% 2.75% 2.80% €3.71
LTV Var >50% <=80% 2.95% 3.00% €3.82
LTV Var >80% 3.15% 3.21% €3.93
1 Year LTV Fixed <=50% 2.95% 2.81% €3.82
1 Year LTV Fixed >50%<=80% 3.05% 3.01% €3.87
1 Year LTV Fixed >80% 3.15% 3.21% €3.93
2 Year LTV Fixed <=50% 2.95% 2.83% €3.82
2 Year LTV Fixed >50%<=80% 3.05% 3.02% €3.87
2 Year LTV Fixed >80% 3.15% 3.21% €3.93
3 Year LTV Fixed <=50% 2.35% 2.72% €3.49
3 Year LTV Fixed >50%<=80% 2.45% 2.91% €3.55
3 Year LTV Fixed >80% 2.55% 3.09% €3.60
4 Year LTV Fixed <=50% 2.65% 2.77% €3.65
4 Year LTV Fixed >50%<=80% 2.75% 2.95% €3.71
4 Year LTV Fixed >80% 2.85% 3.13% €3.76
5 Year LTV Fixed <=50% 2.35% 2.68% €3.49
5 Year LTV Fixed >50%<=80% 2.45% 2.85% €3.55
5 Year LTV Fixed >80% 2.55% 3.02% €3.60
7 Year LTV Fixed <=50% 2.95% 2.88% €3.82
7 Year LTV Fixed >50%<=80% 3.05% 3.05% €3.87
7 Year LTV Fixed >80% 3.15% 3.21% €3.93
10 Year LTV Fixed <=50% 3.10% 2.99% €3.90
10 Year LTV Fixed>50%<=80% 3.20% 3.14% €3.96
10 Year LTV Fixed >80% 3.30% 3.29% €4.01
Green 5 Year LTV Fixed <=50% 2.10% 2.60% €3.36
Green 5Year LTV Fixed>50%<=80% 2.15% 2.76% €3.39
Green 5 Year LTV Fixed >80% 2.25% 2.93% €3.44
High Value 4 Yr Fixed <=50% 2.15% 2.65% €3.39
High Value 4 Yr Fixed>50%<=80% 2.20% 2.81% €3.41
High Value 4 Yr Fixed >80% 2.30% 2.99% €3.47
Rate type Interest Rates APRC Cost per €'000
Standard Variable Rate 4.85 -- --
1 Year Fixed 5.55 -- --
2 Year Fixed 5.75 -- --
3 Year Fixed 5.95 -- --
4 Year Fixed 6.15 -- --
5 Year Fixed 6.35 -- --
Standard Variable Rate 4.85% 4.98% €6.51
1 Year Fixed 5.55% 5.06% €6.90
2 Year Fixed 5.75% 5.18% €7.01
3 Year Fixed 5.95% 5.34% €7.12
4 Year Fixed 6.15% 5.53% €7.24
5 Year Fixed 6.35% 5.75% €7.35
Standard Variable Rate 4.85% 4.97% €5.75
1 Year Fixed 5.55% 5.04% €6.16
2 Year Fixed 5.75% 5.15% €6.28
3 Year Fixed 5.95% 5.28% €6.40
4 Year Fixed 6.15% 5.45% €6.52
5 Year Fixed 6.35% 5.64% €6.64
 
  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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).
  6. The Higher Value 4 Year Fixed Interest Rate is available to new and existing AIB mortgage customers, including Switchers, Top-ups and Self Builds, with a mortgage loan of at least €250,000 and a term of 4 years or more. Switchers availing of the Higher Value rate can also benefit from the €2,000 Switcher cash offer. Existing AIB customers who have more than one mortgage loan on the same property can avail of the Higher Value 4 Year Fixed Interest Rate if the combined value of the mortgage loans is at least €250,000 and a term of 4 years or more remains on each mortgage loan. The balance of your mortgage(s) at the time of issuing your Letter of Offer is used to determine eligibility.

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