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Elaine has a mortgage
in Donegal
Switching your mortgage is a lot less hassle than you might imagine.
We’ve helped lots of people switch to us. Moving your mortgage to AIB may give you more flexibility such as:
✔ Saving on monthly repayments
✔ Reducing your term
✔ Less paperwork
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.
If you’re thinking of switching your mortgage we have a great deal for you to think about.
To help cover your costs, we’ll pay you €2,000 straight into the current account you use to pay your mortgage within two months of switching, even if that current account is with another bank.
But if you do choose to have your current account with us our personal mortgage customers don’t pay transaction or maintenance fees on their AIB current account when they set up a direct debit to pay the mortgage on the home they live in.
We have competitive Fixed and Variable interest rates.
Switching your mortgage sounds like a real hassle. Why would you want to go to all that effort of paperwork, solicitors and banks? Well, it could mean you saving on your monthly repayments or even reducing the time left on your mortgage. That all means more money in your pocket.
There’s plenty of reasons to talk to one of our Mortgage Experts about switching your mortgage. They can take you through our competitive fixed and variable interest rates and work out exactly how much you could save by switching your mortgage to us.
What’s more, 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. And we’ll also give you €2,000 straight into the current account you use to pay your mortgage within two months of switching, even if that current account is with another bank.
Bear in mind though, your payments have to be up to date and your mortgage needs to have some equity in it, which means the balance is less than the value of the house. If you have a tracker mortgage with another mortgage provider, you will lose it when you switch to us. We recommend you speak to an independent financial advisor before you make the switch.
Use our Switcher Calculator to find out just how much you could save.
We have a guide to switching mortgages. There is also helpful, independent information about switching mortgages on the Competition and Consumer Protection Commission’s website.
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 Mortgage Experts.
You don’t need any documents or deposit saved to chat to an expert. 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 Mortgage Expert will tell you exactly what documents you need to give us, such as payslips, bank statements, credit card bills and proof of saving or gifts.
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. The approval lasts for 12 months.
You can apply over the phone, or in a branch with one of our Mortgage Experts. If you’re unsure about anything, why not book an appointment online or pop into a branch to speak with one of us?
You can choose between a fixed interest rate (including our new green rate), a variable, or a combination of both.
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.
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.
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.
| 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% |
| 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 |
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. |
This calculator works out the monthly and overall savings you could make by switching your mortgage to the best available rate available to you. Switch your mortgage to us and we'll give you €2,000 to help cover your costs. We’ll pay it into the current account you use to pay the mortgage from even if that current account is with another bank.
Current monthly repayment
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New monthly repayment
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Monthly Saving
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Saving over remaining mortgage term:
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Repayment after 'x' Years
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With a fixed rate mortgage, your interest rate and monthly repayments are fixed for a set time as agreed between the lender and borrower. Although a fixed rate means your repayments cannot increase for a set period of time, your repayments will not fall during the fixed rate period. As a result, you could miss out on lower interest rates and lower repayments. Fixed rates may cost more over the long run but they offer peace of mind as you know your repayments will not rise during the fixed rate period.
Loan to Value (LTV) is the amount you can borrow from us relative to the value of the property you're buying. Loan to Income (LTI) is the maximum amount a customer can borrow based on a multiple of their gross income.
This calculator is for illustrative and guidance purposes only and is not an offer of a loan. The limits applied can vary so it’s important to talk to us as early as possible about your plans. The amount you can borrow will depend on your individual circumstances and is subject to lending criteria, terms and conditions. Terms of up to 35 years are available for First Time Buyers, Movers and Switchers to a maximum age of 70. Fixed rates roll to the corresponding new business variable rate at the end of the fixed period.
The calculation is based on limited information and does not consider your financial circumstances, for example, where you are on an existing fixed rate with your current mortgage provider you may have to pay a breakage fee. Our calculator does not take into account fees that may need to be paid when switching your mortgage, such as legal or valuation fees and does not include the €2,000 switching offer. In addition when you select a fixed rate option and you subsequently drawdown a mortgage on any fixed rate option we may charge you an early breakage fee.
How to applyThis 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.
More than 200 branches across Ireland makes us the perfect solution no matter where you are. Find the nearest branch to better serve you
Or maybe just talk to a Mortgage expert when and where it suits you.
Talk to an expert
| 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: Bankcentre, Ballsbridge, Dublin 4
