What is a top-up mortgage?

Are you thinking of some home improvements? Or perhaps you want to help a family member buy a new home or you need to pay inheritance tax on a property? If the balance of your current AIB mortgage is less than the current value of your home you may be able to release the equity in your mortgage, to help with expense and more. You can:

  Borrow from €10,000. The maximum depends on the value of your home, what you can afford to repay and what you plan to do with the money

  Choose a term of up to 35 years (to a maximum 68 years of age)

  Choose from competitive fixed or variable rates including Green and Higher Value Fixed Rates

Talk to one of our mortgage advisors who will work through your plans and give you options. They’re available in branch and on the phone.

Check our rates


Green Fixed Rate

If you’re renovating your home and improving the energy rating, you could choose our lowest fixed rate of interest.


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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.

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Variable Rate

A variable rate mortgage has a rate of interest which can change.


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Next steps

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Got approved

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

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 Manage your application with MyMortgage

Once you have applied for a mortgage, we’ll make all the next steps as easy as we can for you. We’ll provide you will access to MyMortgage which lets you control the rest of your application on your mobile, tablet or desktop, in your own time.

Through MyMortgage you can see the documents required to support and progress the application. It also provides the ability to upload documents, to review and download your Approval in Principle plus other documents and has a message function to contact one of our Mortgage Advisors whenever you need any help.

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.

Lending criteria, terms and conditions apply. Over 18s only. Security may be required.


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

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