Own your home sooner by paying more off your mortgage

You can pay more than your normal repayments off your mortgage with an extra monthly payment or a lump sum payment, or both. Try our overpayment calculator to see how much you could save. 

Mortgage Overpayment Calculator 

Mortgage details

Remaining Mortgage Term:

How much extra would you like to pay?

And / or

Your estimated savings:

Revised repayment term would be:

Repayment term would be reduced by:

Your new repayment is greater that your revised mortgage balance

Important Information:

This calculator is for illustrative purposes only and does not provide a precise calculation, it is only intended as a guide.  All results are approximate and are based on information provided by you. They may not take into account any daily interest rate differences that may affect your New Monthly Repayment Amount shown on the calculator.

You may be charged an early breakage cost if you make overpayments while on a fixed rate mortgage. If you are considering making an overpayment and you are currently on a fixed rate, please contact us for further information.

  • You can reduce your monthly scheduled repayment amount, by paying a lump sum payment , complete the relevant information on the Overpayment form and select option a) (this option is also available via on Internet Banking)

  • You can reduce your mortgage term by paying a lump sum payment, completing the relevant information on the Overpayment form and selecting option b)

  • You can increase your monthly mortgage repayment and reduce your term by completing the relevant information on the Overpayment form and selecting option c)

You can only use an AIB funding account to make Overpayments or Increase monthly repayments when using this form

Home Mortgages Regulatory Information

Visit Manage My AIB Mortgage to view the options on calculation. For more help and guidance for existing mortgage customers, visit our Frequently Asked Questions.

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, a hire- purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.


Warning: The payment rates on this housing loan may be adjusted by the lender from time to time. (Variable Mortgages only).