Kids getting bigger, need more space but don’t want to move home? AIB Top –up Mortgage may be the answer for you.

If you are thinking of extending the kitchen, building a play room or adding another bathroom an AIB Top-Up could help make this happen

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Top Up Mortgage

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    Features and Benefits

    • Competitive interest rates which you can view here

    • Up to 80% loan to value for Top Up mortgages is available

    • Top ups will be considered for the following purposes:


      • Repairs or renovations on the mortgaged property, on another property mortgaged to AIB or on another unencumbered property

      • Grant-aided renewable energy and other energy efficient home improvements

      • Family support for dependants into a new house purchase


    • Minimum Top Up Loan Amount €10,000, with an exception if the application for top up is for grant aided renewable energy or other energy efficient home improvements this may be considered for amounts less than €10,000

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

    • A Mortgage Advisor to guide you through the process.

    Additional Features and Benefits

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

    Additional Relevant Information

    • What you can borrow will depend on what you can comfortably afford to repay each month. As a general rule this should not exceed 3.5 times your gross annual income, this may vary according to your situation

    • Up to date evidence of income will be required in all cases

    • A valuation of the property will have to be carried out by a valuer on our residential mortgage valuers panel. This can only be arranged by contacting our Central Valuations Team on 1890 100 051. The valuation will cost you €150.00. If this is carried out more than four months before the requested date of drawdown of the loan or of the final stage payment, a re-valuation will be required and this will cost you €65.00.  Please note that in certain cases i.e house extensions and building work we may require a subsequent valuation on completion of the works

    • A Top Up mortgage is also available for customers who are in Negative Equity click through here for further information on AIB Negative Equity products which may be available to you

    • 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.

    • Your life assurance may be affected by topping up your mortgage and will need to be reviewed in terms of cover and adequacy in line with your new total borrowings. Home Insurance policies can be impacted if you're extending or altering the structure of your home and you should contact your insurers to check if any changes will affect your cover

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Talk to Us

Drop in to any AIB branch and speak with a Mortgage Advisor today. They’ll explain exactly what’s involved, and answer any of your questions.


Or phone 1890 24 24 25 to set up a meeting at a time that suits you. (Lines are open Monday to Friday 8am to 9pm, Saturday 9am to 6pm).

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Help and Guidance

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Negative Equity Mover

If your mortgage is in Negative Equity and you want to move house or top up your mortgage, AIB may have the options to help.


Confused by all the jargon?

Our A-Z Jargon Buster will get you up to speed on APR and Valuations and everything in  between.


We’ve got you covered

We offer personalised and competitive Home Insurance cover.


AIB Web Chat

AIB's online web chat service enables you to chat to us about some of our services, products and queries you may have.

Residential Mortgage Panel

View our Residential Mortgage Valuers Panel Listing.

Frequently Asked Questions
View our list of Frequently Asked Questions on Mortgages.

Help Centre

For all service related queries please visit our Help Centre.


Distance Marketing Directive

Important Information about your Mortgage Distance Contract.

Other Information

AIB Home Insurance is exclusively underwritten by AXA Insurance dac. AIB Insurance Services Limited is regulated by the Central Bank of Ireland. Allied Irish Banks, p.l.c. is tied to Irish Life Assurance plc, for life and pensions business. Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland. Irish Life Assurance plc 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 credit agreement, your account will go into arrears, this may effect your credit rating, which may limit your ability to access credit in the future.