Buying a home when you move to Ireland?
We can help.

If you are considering moving to Ireland and buying a home, AIB can guide you through the process and offer advice at every step of the way on what mortgage loan may be available to you. We can discuss the options to getting you “mortgage ready”.

 

Moving now

Applicants employed abroad and moving now (who plan to live in Ireland on a full time basis) will be assessed as Primary Dwelling House (PDH) applications.

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    Why choose AIB for your Mortgage?

    We’ll help you with the homework so you can focus on finding your new home.

     

    As an AIB Mortgage customer you’ll benefit from:
     

    • Up to 90% finance available
    • Repayment terms up to 35 years (considered where appropriate)
    • Competitive interest rates including Variable and Fixed. You can view our current mortgage rates here.
    • A Homes Advisor to guide you through the process.

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    Features and Benefits

    We know you’re taking a huge step forward – and that the whole mortgage application process may seem a bit daunting. So we’re here to give you all the information you need to set you on the road to getting a mortgage.
     

    1. Your personal Homes Advisor will guide you through the mortgage journey, so you can focus on finding your new home

    2. *Delay your mortgage repayment for the first 6 months, subject to approval

    3. Mortgage approval for 12 months, giving you time to find the perfect home

    4. Competitive rates including variable and fixed mortgage rates

    5. No Fees – When you have an AIB PDH (private dwelling house) mortgage with us, we’ll waive the maintenance and transaction fees on the current account you use to pay your mortgage. All you need to do is set up a direct debit to pay your mortgage from an AIB personal current account

    6. **Existing customers, you can take a payment holiday from your mortgage for up to 6 months, subject to approval

    7. We offer repayment terms of up to 35 years.

    8. What you can borrow will depend on what you can comfortably afford to repay each month. As a general rule this should not exceed 35% of your disposable income, this may vary according to your situation.

    9. You will get a free consultation with an AIB Financial Advisor. They will recommend the best options for you, including life insurance, specified illness and income protection options

    10. People returning home to Ireland will be happy to hear that they can get 30% discount on Home Insurance if they have been claim free for 3 years. Discounts are applied on a reducing balance and a minimum premium amount of €157.50 applies

    11. Managing new bills can be tough, so we offer a low-cost finance Masterplan Account to help

    12. You will need to be over 18 (otherwise you can't sign the contract - which is the most important part of the process).

    13. Consultation with an AIB financial advisor, which includes an assessment of your life insurance, specified illness and income protection options.

     

    * New owner occupier mortgages only. Repayments will increase over the remaining loan term. Excludes movers in negative equity and self builds.
     

    ** Existing owner occupier mortgage customers not in financial difficulty. Repayments will increase over the remaining loan term.

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    How it works

    Applicants must provide evidence of employment on their move to ROI. A copy of the applicant’s employment contract confirming their salary, the date their employment in Ireland commences and whether there is a probationary period involved will need to be provided. (If a period of probation is involved, the applicant can only drawdown when that probationary period is over). Other supporting documentation may also need to be provided.

     

    To support the application, documentation evidencing the following will be required:

    • Employment,
    • Income,
    • Loans,
    • Mortgages,
    • Savings,
    • Non-AIB accounts,
    • Foreign Credit Checks (Must be submitted (in English) with any application, from the jurisdiction where the applicant currently resides)

     

    Other documentation may be required including visa information if applicable.

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Moving to Ireland in the future

Applicants looking to buy a home in Ireland whilst employed abroad will be assessed as Buy-to-Let (BTL) applications.

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    Why choose AIB for your Buy-to-Let Mortgage?

    We’ll help you with the homework so you can focus on finding your new home.
     

    As an AIB Mortgage customer you’ll benefit from:
     

    • Up to 70% finance available.
    • Repayment terms of up to 25 years (considered where appropriate).
    • Competitive interest rates including Variable and Fixed. You can view our current mortgage rates here.
    • A Homes Advisor to guide you through the process.

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    Features and Benefits

    We know you’re taking a huge step forward – and that the whole mortgage application process may seem a bit daunting. So we’re here to give you all the information you need to set you on the road to getting a mortgage.

    1. You will need to be over 18 and security will be required before you can obtain a mortgage.

    2. What you can borrow will also depend on what you can comfortably afford to repay monthly, this typically should not exceed 35% of your disposable income, however this may vary according to individual circumstances.

    3. If you take a Mortgage with a fixed rate of at least one year and decide to repay whole, or part early, if you convert to a variable interest rate, or, if you change to another fixed interest rate you may incur an early breakage cost payable to Allied Irish Banks plc., and/or AIB Mortgage Bank. 

    4. You will require Mortgage Protection Insurance which can be arranged via AIB or you may purchase this through another Insurance company.

    5. 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.

    6. 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.

    7. On request, your mortgage can be swapped to a PDH (Private Dwelling House) once you move to Ireland and live in the property.

    8. Home Insurance from AIB designed specifically for your investment property

    9. Consultation with an AIB financial advisor, which includes an assessment of your life insurance, specified illness and income protection options.

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    How it works

    To support the application, documentation evidencing the following will be required:
     
    • Employment,
    • Income,
    • Loans,
    • Mortgages,
    • Savings,
    • Non-AIB accounts,
    • Foreign Credit Checks (Must be submitted (in English) with any application, from the jurisdiction where the applicant currently resides)

     

    Other documentation may be required.may be required including visa information if applicable.

     

    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.

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Talk to AIB about your mortgage

One of our homes advisors will talk you through the mortgage process and answer any of your questions.

Call 1890 24 24 25 or +353 1771 5613 (from outside Ireland, lines are open Monday to Friday 8am to 9pm, Saturday 9am to 6pm - local Irish time).

 

Request a Call Back from one of our Home Advisors.

 

If you are in Ireland, book an appointment to speak with a Homes Advisor in your local branch.

If it would suit you better to meet a Homes Advisor at the weekend or after working hours, you can do so at a number of our branches.

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    Extended Branch Opening

    Grafton Street – Dublin Central

    • Monday - Wednesday: 8am - 7pm
    • Thursday: 8am - 9pm
    • Friday:  8am - 7pm  
    • Saturday - Sunday: 10am-6pm
    • Teller Assisted hours - Monday, Tuesday, Wednesday & Friday 10am - 4pm, Thursday 10am - 5pm

     

    Grand Canal Dock – Dublin Central

    • Monday - Wednesday: 8am - 6pm
    • Thursday: 8am - 8pm
    • Friday: 8am - 6pm
    • Saturday: 10am - 2pm

     

    Malahide – Dublin North

    • Monday - Wednesday: 10am - 4pm
    • Thursday: 10am - 8pm (Sales 5pm - 8pm)
    • Friday: 10am - 4pm
    • Saturday: 10am - 2pm (Sales)

     

    Carrickmines – Dublin South

    • Monday - Wednesday: 9:30am - 5pm
    • Thursday & Friday: 9:30am - 7pm
    • Saturday: 9:30am - 5pm
    • Sunday: 12pm - 4pm

     

    Supervalu Lucan – Dublin West

              Self Service & Sales Only

    • Monday - Friday: 8am - 8pm
    • Saturday: 9am - 6pm
    • Sunday: 10am - 6pm

     

    Rathgar

    Open for mortgage meetings by appointment before work, after work, even at weekends. Email 931071@aib.ie to book an appointment

     

    Drumcondra

    Open for mortgage meetings by appointment before work, after work, even at weekends. Email 932108@aib.ie to book an appointment

     

    Little Island– Cork City

    • Monday-Friday: 8am-6pm

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Home Insurance

Protection for the things that matter most.

Moving to Ireland

Whether you’re new to Ireland or your heart has never left and you’re moving home, moving country is stressful and we’re here to help make things easy for you.

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.

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