Pop into a branch, make an appointment on aib.ie or ask us to call you back when you can speak with one of our Homes Mortgage Advisors.
You don’t need any documents or deposit saved to chat to an Advisor. We’ll make sure you’re on the right track from the start by helping you make a plan to get the deposit together. If you can’t make it to a branch, we can come to meet you, so this may also be an option for you.
Get your paperwork together
Once you’ve saved your deposit you will need to show us that you can afford to keep repaying the mortgage. Your Homes Advisor will tell you exactly what documents you need to provide, such as payslips, bank statements, credit card bills and proof of saving or gifts.
Our personal mortgage customers don’t pay transaction or maintenance fees on their AIB current account they use to pay the mortgage on the home they live in.
Apply for Approval in Principle
Once you have your deposit together you can apply for a mortgage and receive an Approval in Principle. This is when we agree, in principle, to give you a mortgage, based on the information you’ve given us. Then you’ll know how much you have to spend on your new home. There will be more conditions you’ll have to meet, but we’ll make these clear so you’ll know what else you have to do before we can lend you the money. Your approval lasts for 12 months.
You can apply over the phone, or in a branch with one of our Homes Mortgage Advisors. If you’re unsure about anything, why not book an appointment online or pop into a branch to speak with one of us?
Book an appointment
If you top up your mortgage, your life assurance may be affected. If this is the case, you should review it to make sure it covers the extra amount you borrow. Similarly your home insurance may be affected if you're extending or altering the structure of your home. You should contact your insurers to check if any changes will affect your cover.