| 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% | -- | -- |
Need to talk to us?
You can contact us in a number of ways. Fill in the enquiry form, find the relevant AIB phone number and location, or contact us on one of our social media channels.
Choose whatever suits you.
Vincent has a mortgage in Kildare
Need to Top Up?
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Check our rates
Check our rates
Mortgage calculator
Mortgage calculator
Get started
Get started
Lots of our customers decide to top up their mortgage to make changes to their home rather than move.
We can help you with:
✔ Expert advice online, over the phone or in branch
✔ A smart tool to manage your mortgage application
✔ A Green 5 year Fixed rate for customers improving their home's energy efficiency
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.
Watch how it all works
Here's how it all works
Find out how much you could borrow
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.
Talk to one of our experts
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.
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?
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
Going Green?
Other options including our Green Personal Loan are available, which may suit your borrowing needs.
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.
Variable rate
A 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
- 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.
- 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.
- 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.
- 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.
- 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).
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 you can go house hunting confident of what you could afford.
How 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.
Switcher Calculator
See how much you could save by switching mortgage provider to AIB.
We're here to help, talk to a mortgage expert when and where it suits you.
How to applyThis is where it all starts.
Applying is a big step, but we’ve made it as easy as possible.
Before you start, if you are relying on any income support for COVID-19 from the Government or your employer, the best way to start your mortgage application to is call us on 1890 24 24 25, book an appointment here, or request a call back here.
To get ready, you’ll need to get a few things together.
✔ What you earn (we’ll ask you to back this up with payslips later).
✔ The big things you spend on like rent and loans.
There’s a handy checklist here, if you need more information.
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. We call this Approval in Principle.
At this stage you will see what your monthly repayments might be.
Other ways to start your application now
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
Over the phone
Talk to us now
Monday to Friday, 09:00 to 17:00
Saturday, 10.00 to 14.00
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.
Talk to an expert
Home Mortgage Regulatory Information
Allied Irish Banks, p.l.c. is an authorised agent and servicer of AIB Mortgage Bank u.c. in relation to origination and servicing of mortgage loans and mortgages. AIB Mortgage Bank u.c. 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. |
Before proceeding please read our Site Use Terms and Conditions, Privacy & Cookie statement which apply to your use of this website. AIB and AIB Group are registered business names of Allied Irish Banks, p.l.c. Registered Office: 10 Molesworth Street, Dublin 2
