Getting started with building a house in Ireland

Building your own house means you get exactly what you want. We’ve helped so many people through the process.

We can talk to you about:

 Using the site as a deposit

 Budgeting tools

 Staging the building costs

Whether you’re all set to go or you need some help, pop into a branch, make an appointment or chat to a mortgage advisor on the phone, we’re here to help.

Check our rates


Green Fixed Rate

If you’re building your own energy efficient home, you could choose our lowest fixed rate of interest.


Find out more


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.

Find out more


Variable Rate

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


Find out more

Self Build mortgage timeline


Calculate & apply 

Find out how much you might be able to borrow using our Mortgage Calculator. When you’re ready to apply for your mortgage talk to our dedicated team of mortgage advisors in branch and over the phone.

Mortgage calculator >


Approval in Principle

When you have your deposit or you’ve secured your site (this can be used as your deposit) and you’ve given us your information we need to make a decision, we’ll give you an accurate amount of how much you can borrow. We call this Approval in Principle, which means you’re a step closer to getting the money to build your new home. It’s not the formal contract, not just yet, but it means you can start building plans and it stays valid for 6 months.


Log in to MyMortgage web app

With the MyMortgage app, we’ll make the next steps as easy as we can for you. You can manage your application on your personal device, in your own time.

MyMortgage web app >


Complete your application 

To complete the application your Mortgage Advisor will tell you exactly what documents you need to provide including the self-build details such as the value of your site, planning permission, size of the property, site address and build costs. You’ll need to confirm what mortgage interest rate you’ve chosen and we’ll also need to know that you have a solicitor to help you before we finalise the home loan.


Mortgage Drawdown - stage payments

When all the conditions of the mortgage have been met, we’ll send a letter of offer to you and your solicitor. Once you’ve reviewed it and you’re happy with the contract, you both need to sign the contract and return it to AIB. Once everything has been checked, you can receive your payments in 4-6 stages depending on your build. Each stage must be certified by your assigned certifier and requested through your solicitor.

Benefits of an AIB mortgage

Great Rates

With AIB you can choose from a combination of Fixed, Variable and Green interest rates, available to new and existing customers.

Expert Advice

Talk to our dedicated team of mortgage advisors in branch or over the phone. They can help you through the mortgage process.

No Fees

Bank free of transaction and maintenance fees by paying your AIB mortgage from an AIB current account. There may be some other charges, for example if you go overdrawn without agreement.

Useful information


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Mortgage calculator
Find out how much you could borrow
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Useful guides and forms
All the guides and forms you'll need in one place
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Mortgage application checklist
The things you’ll need for your mortgage application
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Frequently asked questions
The answer to your questions, in one place

 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.

Help & support


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Book an appointment
Your Mortgage Advisor can help you with your application
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Ask for a call back
A Mortgage Advisor will call you to help with your application
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Help centre
For more help & guidance visit or help centre

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.

Get Started

Get Started

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Talk to us

Mortgage experts are here to help

Book an appointment

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Your local mortgage expert can help

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