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• Switch your mortgage to us and we’ll give you €2,000

• Find out how much you can save with our

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• Get a competitive fixed, variable or green rate    

 

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 Elaine smiling happily as she sits on couch in her new home.

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. 

book an appointment in a branch

Watch how it all works

Switching your mortgage 1.5 mins

Switching your mortgage 1.5 mins

Vincent's top tips 30 sec

Vincent's top tips 30 sec

Why get your mortgage with AIB? 2 mins

Why get your mortgage with AIB? 2 mins

Here's how it all works

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, if you’re a personal mortgage customer with us you won’t pay transaction or maintenance fees on AIB current account you use to make mortgage repayments on the home you live in. We’ll give you €2,000 when you switch your mortgage to AIB to help cover your costs; we’ll pay it into the current account you use to pay your new mortgage within two months of your mortgage drawdown, 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.

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? 

Book an appointment

5 Reasons to switch to AIB

Higher Value 4 Year Fixed Rate

The Higher Value 4 Year Fixed Interest Rate is available to new and existing AIB mortgage customers, including Switchers, Top-ups and Self Builds, with a mortgage loan of at least €250,000 and a term of 4 years or more. Switchers availing of the Higher Value rate can also benefit from the €2,000 Switcher cash offer. Existing AIB customers who have more than one mortgage loan on the same property can avail of the Higher Value 4 Year Fixed Interest Rate if the combined value of the mortgage loans is at least €250,000 and a term of 4 years or more remains on each mortgage loan. The balance of your mortgage(s) at the time of issuing your Letter of Offer is used to determine eligibility.

Find out more
Gráinne Quirke, a Mobile Mortgage Manager, on hand giving expert advice.
Gráinne Quirke, Mobile Mortgage Manager, Wexford, Wicklow & Carlow

 Anthony and Warren smiling and laughing as they sit in the living of their new home.

 Anthony and Warren smiling and laughing as they sit in the living of their new home.

 Anthony and Warren smiling and laughing as they sit in the living of their new home.
Got Approved?

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

Get more info
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Useful Guides & Forms

All the guides and forms you will need in one place.

Show me
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Frequently Asked Questions

The answer to your questions, in one place.

Read more

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.

Find out more

Variable rate

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. 

Where you see Yr, it stands for Year.

Mortgage Loan Rates
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% -- --
High Value 4 Yr Fixed <=50% 2.15% -- --
High Value 4 Yr Fixed>50%<=80% 2.20% -- --
High Value 4 Yr Fixed >80% 2.30% -- --
LTV Var <=50% 2.75% 2.81% €5.42
LTV Var >50% <=80% 2.95% 3.02% €5.52
LTV Var >80% 3.15% 3.22% €5.62
1 Year LTV Fixed <=50% 2.95% 2.83% €5.52
1 Year LTV Fixed >50%<=80% 3.05% 3.03% €5.57
1 Year LTV Fixed >80% 3.15% 3.22% €5.62
2 Year LTV Fixed <=50% 2.95% 2.85% €5.52
2 Year LTV Fixed >50%<=80% 3.05% 3.04% €5.57
2 Year LTV Fixed >80% 3.15% 3.22% €5.62
3 Year LTV Fixed <=50% 2.35% 2.69% €5.22
3 Year LTV Fixed >50%<=80% 2.45% 2.86% €5.27
3 Year LTV Fixed >80% 2.55% 3.04% €5.32
4 Year LTV Fixed <=50% 2.65% 2.77% €5.37
4 Year LTV Fixed >50%<=80% 2.75% 2.94% €5.42
4 Year LTV Fixed >80% 2.85% 3.10% €5.47
5 Year LTV Fixed <=50% 2.35% 2.62% €5.22
5 Year LTV Fixed >50%<=80% 2.45% 2.78% €5.27
5 Year LTV Fixed >80% 2.55% 2.94% €5.32
7 Year LTV Fixed <=50% 2.95% 2.94% €5.52
7 Year LTV Fixed >50%<=80% 3.05% 3.08% €5.57
7 Year LTV Fixed >80% 3.15% 3.22% €5.62
10 Year LTV Fixed <=50% 3.10% 3.09% €5.59
10 Year LTV Fixed>50%<=80% 3.20% 3.22% €5.64
10 Year LTV Fixed >80% 3.30% 3.34% €5.69
Green 5 Year LTV Fixed <=50% 2.10% 2.51% €5.11
Green 5Year LTV Fixed>50%<=80% 2.15% 2.64% €5.13
Green 5 Year LTV Fixed >80% 2.25% 2.79% €5.18
High Value 4 Yr Fixed <=50% 2.15% 2.58% €5.13
High Value 4 Yr Fixed>50%<=80% 2.20% 2.72% €5.15
High Value 4 Yr Fixed >80% 2.30% 2.89% €5.20
LTV Var <=50% 2.75% 2.81% €4.61
LTV Var >50% <=80% 2.95% 3.01% €4.71
LTV Var >80% 3.15% 3.22% €4.82
1 Year LTV Fixed <=50% 2.95% 2.82% €4.71
1 Year LTV Fixed >50%<=80% 3.05% 3.02% €4.77
1 Year LTV Fixed >80% 3.15% 3.22% €4.82
2 Year LTV Fixed <=50% 2.95% 2.84% €4.71
2 Year LTV Fixed >50%<=80% 3.05% 3.03% €4.77
2 Year LTV Fixed >80% 3.15% 3.22% €4.82
3 Year LTV Fixed <=50% 2.35% 2.70% €4.41
3 Year LTV Fixed >50%<=80% 2.45% 2.88% €4.46
3 Year LTV Fixed >80% 2.55% 3.06% €4.51
4 Year LTV Fixed <=50% 2.65% 2.77% €4.56
4 Year LTV Fixed >50%<=80% 2.75% 2.94% €4.61
4 Year LTV Fixed >80% 2.85% 3.12% €4.66
5 Year LTV Fixed <=50% 2.35% 2.65% €4.41
5 Year LTV Fixed >50%<=80% 2.45% 2.81% €4.46
5 Year LTV Fixed >80% 2.55% 2.97% €4.51
7 Year LTV Fixed <=50% 2.95% 2.91% €4.71
7 Year LTV Fixed >50%<=80% 3.05% 3.06% €4.77
7 Year LTV Fixed >80% 3.15% 3.22% €4.82
10 Year LTV Fixed <=50% 3.10% 3.05% €4.79
10 Year LTV Fixed>50%<=80% 3.20% 3.18% €4.84
10 Year LTV Fixed >80% 3.30% 3.32% €4.90
Green 5 Year LTV Fixed <=50% 2.10% 2.55% €4.29
Green 5Year LTV Fixed>50%<=80% 2.15% 2.69% €4.31
Green 5 Year LTV Fixed >80% 2.25% 2.85% €4.36
High Value 4 Yr Fixed <=50% 2.15% 2.61% €4.31
High Value 4 Yr Fixed>50%<=80% 2.20% 2.76% €4.34
High Value 4 Yr Fixed >80% 2.30% 2.93% €4.38
LTV Var <=50% 2.75% 2.80% €4.08
LTV Var >50% <=80% 2.95% 3.01% €4.19
LTV Var >80% 3.15% 3.21% €4.29
1 Year LTV Fixed <=50% 2.95% 2.82% €4.19
1 Year LTV Fixed >50%<=80% 3.05% 3.01% €4.24
1 Year LTV Fixed >80% 3.15% 3.21% €4.29
2 Year LTV Fixed <=50% 2.95% 2.83% €4.19
2 Year LTV Fixed >50%<=80% 3.05% 3.02% €4.24
2 Year LTV Fixed >80% 3.15% 3.21% €4.29
3 Year LTV Fixed <=50% 2.35% 2.71% €3.87
3 Year LTV Fixed >50%<=80% 2.45% 2.90% €3.92
3 Year LTV Fixed >80% 2.55% 3.08% €3.98
4 Year LTV Fixed <=50% 2.65% 2.77% €4.03
4 Year LTV Fixed >50%<=80% 2.75% 2.95% €4.08
4 Year LTV Fixed >80% 2.85% 3.12% €4.13
5 Year LTV Fixed <=50% 2.35% 2.66% €3.87
5 Year LTV Fixed >50%<=80% 2.45% 2.83% €3.92
5 Year LTV Fixed >80% 2.55% 3.00% €3.98
7 Year LTV Fixed <=50% 2.95% 2.90% €4.19
7 Year LTV Fixed >50%<=80% 3.05% 3.05% €4.24
7 Year LTV Fixed >80% 3.15% 3.21% €4.29
10 Year LTV Fixed <=50% 3.10% 3.02% €4.27
10 Year LTV Fixed>50%<=80% 3.20% 3.16% €4.32
10 Year LTV Fixed >80% 3.30% 3.31% €4.38
Green 5 Year LTV Fixed <=50% 2.10% 2.58% €3.75
Green 5Year LTV Fixed>50%<=80% 2.15% 2.73% €3.77
Green 5 Year LTV Fixed >80% 2.25% 2.90% €3.82
High Value 4 Yr Fixed <=50% 2.15% 2.63% €3.77
High Value 4 Yr Fixed>50%<=80% 2.20% 2.79% €3.80
High Value 4 Yr Fixed >80% 2.30% 2.97% €3.85
LTV Var <=50% 2.75% 2.80% €3.71
LTV Var >50% <=80% 2.95% 3.00% €3.82
LTV Var >80% 3.15% 3.21% €3.93
1 Year LTV Fixed <=50% 2.95% 2.81% €3.82
1 Year LTV Fixed >50%<=80% 3.05% 3.01% €3.87
1 Year LTV Fixed >80% 3.15% 3.21% €3.93
2 Year LTV Fixed <=50% 2.95% 2.83% €3.82
2 Year LTV Fixed >50%<=80% 3.05% 3.02% €3.87
2 Year LTV Fixed >80% 3.15% 3.21% €3.93
3 Year LTV Fixed <=50% 2.35% 2.72% €3.49
3 Year LTV Fixed >50%<=80% 2.45% 2.91% €3.55
3 Year LTV Fixed >80% 2.55% 3.09% €3.60
4 Year LTV Fixed <=50% 2.65% 2.77% €3.65
4 Year LTV Fixed >50%<=80% 2.75% 2.95% €3.71
4 Year LTV Fixed >80% 2.85% 3.13% €3.76
5 Year LTV Fixed <=50% 2.35% 2.68% €3.49
5 Year LTV Fixed >50%<=80% 2.45% 2.85% €3.55
5 Year LTV Fixed >80% 2.55% 3.02% €3.60
7 Year LTV Fixed <=50% 2.95% 2.88% €3.82
7 Year LTV Fixed >50%<=80% 3.05% 3.05% €3.87
7 Year LTV Fixed >80% 3.15% 3.21% €3.93
10 Year LTV Fixed <=50% 3.10% 2.99% €3.90
10 Year LTV Fixed>50%<=80% 3.20% 3.14% €3.96
10 Year LTV Fixed >80% 3.30% 3.29% €4.01
Green 5 Year LTV Fixed <=50% 2.10% 2.60% €3.36
Green 5Year LTV Fixed>50%<=80% 2.15% 2.76% €3.39
Green 5 Year LTV Fixed >80% 2.25% 2.93% €3.44
High Value 4 Yr Fixed <=50% 2.15% 2.65% €3.39
High Value 4 Yr Fixed>50%<=80% 2.20% 2.81% €3.41
High Value 4 Yr Fixed >80% 2.30% 2.99% €3.47
Rate type Interest Rates APRC Cost per €'000
Standard Variable Rate 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 -- --
Standard Variable Rate 4.85% 4.98% €6.51
1 Year Fixed 5.55% 5.06% €6.90
2 Year Fixed 5.75% 5.18% €7.01
3 Year Fixed 5.95% 5.34% €7.12
4 Year Fixed 6.15% 5.53% €7.24
5 Year Fixed 6.35% 5.75% €7.35
Standard Variable Rate 4.85% 4.97% €5.75
1 Year Fixed 5.55% 5.04% €6.16
2 Year Fixed 5.75% 5.15% €6.28
3 Year Fixed 5.95% 5.28% €6.40
4 Year Fixed 6.15% 5.45% €6.52
5 Year Fixed 6.35% 5.64% €6.64
 
  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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).
  6. The Higher Value 4 year fixed LTV interest rate is available to new AIB PDH mortgage customers, including Switchers, borrowing at least €250,000 over a term of 4 years or more. Switchers availing of the Higher Value rate can also benefit from the €2,000 Switcher cash offer.

  7. Existing AIB PDH customers can avail of the Rate if the remaining balance on the mortgage is at least €250,000 and a term of 4 years or more remains on the mortgage loan when actioning your request. Those who have more than one mortgage loan on the same property can avail of the Rate if the combined balance of their loans are at least €250,000. The rate can only be applied to account(s) with a term of 4 years or more remaining. If your mortgage meets the qualifying criteria and you wish to avail of this rate you must complete the Mortgage Amendment form see here.

    Existing AIB PDH customers topping up their mortgage can combine the amount of the new borrowings with the balance of their existing mortgage loan to meet the €250,000 threshold. Once the total loan balances of your combined mortgage loans meet the €250,000 threshold on the date of issuing the most recent top-up letter of offer, the Higher Value Rate will be applied to the Top Up Mortgage Loan. Click here for more information on Higher Value 4 Year Fixed mortgage rate.

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Switcher Mortgage calculator

With our switching mortgage calculator it’s easy to find out how much you could save. Answer a few simple questions and in less than one minute we’ll calculate the monthly and overall savings you could make by switching your mortgage to the best available rate available to you.

You’ll need:

  • Estimated Value of our home
  • Balance of your mortgage
  • Remaining Term
  • Current mortgage rate

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.

Switcher CalculatorHow much could you save by switching?

Use your current mortgage information to find out how much you could save by switching to AIB. 

Apply onlineHow to apply

You can apply:

  • over the phone - call us or ask us to call you back, or
  • in your local branch, or arrange a video call.

Whichever you choose we have expert advisors to help you every step of the way. You can even manage your application on your mobile and desktop with My Mortgage where you can upload documents, see what you’ve to do next and chat to our team.

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 or book an appointment with your local branch.

Other ways to start your application now

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We're here to help. Talk to a mortgage expert, or apply now if you're ready to go. 

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Home Mortgage Regulatory Information
 

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.