Need a little extra?

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• All the steps are easier with Ireland’s first online mortgage tool

• High-energy rated home? Get a low interest rate

• Get a competitive fixed or variable rate    

 

Vincent, a customer, sits taking a break from refurbishing his new home.

Vincent has a mortgage in Kildare

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 An architectural construction drawing for a ground floor of a house.

Lots of our customers decide to top up their mortgage to make changes to their home rather than move.

We can talk to you about:

✔ How much your repayments might be
✔ What you can do with the money
✔ Approval in principle that lasts 12 months

Whatever stage you’re at, everything you need to know is here. Read a guide, watch a video. Take your time. And when you’re ready to chat we’ll help however we can, wherever it suits you. 

Book an appointment

Watch how it all works

Anthony's advice 30 secs

Anthony's advice 30 secs

5 reasons to choose AIB 3 mins

5 reasons to choose AIB 3 mins

Vincent's first mortgage 3 mins

Vincent's first mortgage 3 mins

Here's how it all works

If you are topping up your mortgage, we can lend you a maximum of 80% of the value of the home. The minimum amount you can borrow is €10,000 and the minimum term is 5 years. The maximum term we will lend for is 35 years for a home you intend to live in.

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.

Use our mortgage calculator to see how much you could borrow.

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.

No Fees

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

Life assurance

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.

Make refinancing your home a little easier

 

Jean O’Neill, a Mobile Mortgage Manager, on hand giving expert advice to a customer.
Jean O’Neill, Mobile Mortgage Manager, Cork

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Anthony and Warren smiling and laughing as they sit in the living of their new home.
Got Approved?

Here's a rundown of the next steps you need to take...

Get more info
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Useful Guides & Forms

All the guides and forms you will need in one place.

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 A customer, Aisling, smiles as she sits having a cup of tea and chatting with a mortgage advisor at home.
Frequently Asked Questions

The answer to your questions, in one place.

Read more

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. 

Mortgage Loan Rates
    filter-icon
Rate type Interest Rates APRC Cost per €'000
LTV Variable >80% 3.15%
LTV Variable >50%<=80% 2.95%
LTV Variable <=50% 2.75%
1 Year Fixed 3.15%
2 Year Fixed 3.15%
3 Year Fixed 2.55%
4 Year Fixed 2.85%
5 Year Fixed 2.55%
7 Year Fixed 3.15%
10 Year Fixed 3.30%
Green 5 Year Fixed 2.45%
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
1 Year Fixed 3.15% 3.22% €5.62
2 Year Fixed 3.15% 3.22% €5.62
3 Year Fixed 2.55% 3.03% €5.32
4 Year Fixed 2.85% 3.10% €5.47
5 Year Fixed 2.55% 2.93% €5.32
7 Year Fixed 3.15% 3.22% €5.62
10 Year Fixed 3.30% 3.34% €5.69
Green 5 Year Fixed 2.45% 2.89% €5.27
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
1 Year Fixed 3.15% 3.21% €4.82
2 Year Fixed 3.15% 3.21% €4.82
3 Year Fixed 2.55% 3.06% €4.51
4 Year Fixed 2.85% 3.11% €4.66
5 Year Fixed 2.55% 2.97% €4.51
7 Year Fixed 3.15% 3.21% €4.82
10 Year Fixed 3.30% 3.32% €4.89
Green 5 Year Fixed 2.45% 2.93% €4.46
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
1 Year Fixed 3.15% 3.21% €4.29
2 Year Fixed 3.15% 3.21% €4.29
3 Year Fixed 2.55% 3.08% €3.97
4 Year Fixed 2.85% 3.12% €4.13
5 Year Fixed 2.55% 3.00% €3.97
7 Year Fixed 3.15% 3.21% €4.29
10 Year Fixed 3.30% 3.30% €4.37
Green 5 Year Fixed 2.45% 2.96% €3.92
LTV Variable >80% 3.15% 3.21% €3.93
LTV Variable >50%<=80% 2.95% 3.00% €3.82
LTV Variable <=50% 2.75% 2.80% €3.71
1 Year Fixed 3.15% 3.21% €3.93
2 Year Fixed 3.15% 3.21% €3.93
3 Year Fixed 2.55% 3.09% €3.60
4 Year Fixed 2.85% 3.13% €3.76
5 Year Fixed 2.55% 3.02% €3.60
7 Year Fixed 3.15% 3.21% €3.93
10 Year Fixed 3.30% 3.29% €4.01
Green 5 Year Fixed 2.45% 2.99% €3.55
Rate type Interest Rates APRC Cost per €'000
Standard Variable 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 4.85% 4.97% €6.51
1 Year Fixed 5.55% 5.06% €6.89
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% €7.23
5 Year Fixed 6.35% 5.75% €7.35
Standard Variable 4.85% 4.97% €5.75
1 Year Fixed 5.55% 5.04% €6.16
2 Year Fixed 5.75% 5.14% €6.27
3 Year Fixed 5.95% 5.28% €6.39
4 Year Fixed 6.15% 5.45% €6.52
5 Year Fixed 6.35% 5.64% €6.64
  1. For 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 standard variable rate (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).
Why choose AIB?
Why choose AIB?
  • Get approval in principle that lasts for 12 months
  • Find out how much you could borrow
  • Apply Online
Find out more

We're here to help. Talk to a mortgage expert, or apply now if you're ready to go.

Meet a mortgage expert
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We're ready to help

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Ask for a call back

Get a call from one of our mortgage experts

Talk to us now
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Monday – Friday:

09:00 – 17:00

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Apply

It’s now easier to apply online.

Home Mortgage Regulatory Information

 

Allied Irish Banks, p.l.c. is an authorised agent and servicer of AIB Mortgage Bank in relation to origination and servicing of mortgage loans and mortgages.  AIB Mortgage Bank 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 loan, your account will go into arrears.
This may affect your credit rating, which may limit your ability to access credit in the future.

Mortgage calculator

With our mortgage calculator it’s easy to find out how much you could borrow. Answer a few simple questions and in less than one minute we’ll calculate what your mortgage repayments might be.

You’ll need:

  • What you earn
  • The big things you spend on

Then we’ll give you an Approval in Principle figure of how much we could lend you and how much your monthly mortgage repayments might be.

Of course, this isn’t a loan yet, but the figure we give you lasts for 12 months so you can go house hunting confident of what you could afford.

CalculatorHow much could I borrow?

Use your income and expenses to estimate how much you may be able to borrow for a home loan.

Mortgage affordability calculators

How much do I need for deposit?

Add up all you need to save for your new home including additional costs.

Calculate deposit
Switcher Calculator

See how much you could save by switching mortgage provider to AIB.

Calculate savings

We're here to help, talk to a mortgage expert when and where it suits you

Meet a mortgage expert
Meet a mortgage expert

We're ready to help

Ask for a call back
Ask for a call back

Get a call from one of our mortgage experts

Talk to us now
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Monday - Friday: 8am - 9pm

Saturday: 9am - 6pm

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Drop in

With more than 200 branches, there's one near you

Apply onlineHow to apply

This is where it all starts.

Thank you for applying with us. It's a big step but we’ve made it as easy as possible.

To get ready you’ll need to get a few things together.

✔ The basics like names, address, contact details, age.

✔ What you earn (we’ll ask you to back this up with payslips later).

✔ The big things you spend on like rent and loans.

✔ Some details of the property you’re thinking of buying. 

There’s no commitment, but for our part, the first thing we’ll do is give you an idea of how much we could lend you. And when you see what your monthly repayments might be, you can easily see your budget.

Then, when you apply formally to us for a mortgage, we’ll confirm within three business days that we have all the information we asked you for, or we’ll let you know if there is anything missing. It will take us up to ten business days to tell you our decision about your application. If for any reason it takes us longer we will let you know why - and when we will get back to you.

Other ways to start your application now

AIB Branch
In a local branch

More than 200 branches across Ireland makes us the perfect solution no matter where you are. Find the nearest branch to better serve you

Call us
Over the phone

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Monday - Friday: 8am - 9pm

Saturday: 9am - 6pm

 

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Talk to an expert

Or maybe just talk to a Mortgage expert when and where it suits you.

We're here to help, talk to a mortgage expert when and where it suits you  

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09:00 - 17:00

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With more than 200 branches, there's one near you

Talk to an expert

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Start a live chat

A mortgage expert can usually chat with you within 1 min

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09:00 - 17:00

Call 1890 24 24 25

Home Mortgage Regulatory Information

Allied Irish Banks, p.l.c. is an authorised agent and servicer of AIB Mortgage Bank in relation to origination and servicing of mortgage loans and mortgages. AIB Mortgage Bank 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 loan, your account will go into arrears.
This may affect your credit rating, which may limit your ability to access credit in the future.