Why switch to AIB? 


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

If you’re all set to go you can apply online, or if you need help you can make an appointment or chat to a Mortgage Advisor on the phone.



A Choice of Rates

You can choose between a fixed rate (including our green mortgage rate, higher value mortgage), a variable, or a combination of both.

Interest rates >

Get €3,000 when you switch

We’ll give you €3,000 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. The AIB €3,000 switcher payment is available for Private Dwelling House (PDH) mortgages only, switching to Fixed or Variable rates.

Switch now >

Higher Value Mortgage

If you are switching your mortgage of €250,000 or more to AIB, we have a lower fixed rate of interest available. Switchers availing of this rate can also benefit from the €3,000 Switcher payment offer. The AIB €3,000 switcher payment is available for Private Dwelling House (PDH) mortgages only, switching to Fixed or Variable rates.

Higher Value Mortgage >

Get started


Apply now 

It's now easier to apply than ever


Apply online


Book an appointment

Your local mortgage expert can help you with your application

Book an appointment


Talk to us

Mortgage experts are here to help

Mon-Fri 09:00-20:00

  0818 303 035


Ask for a Call back


A mortgage expert will call you to help with your application


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Check our rates


Green Fixed Rate

For higher energy rated homes, we are offering 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

Mortgage Switching timeline


Calculate & apply 

Find out how much you could save with our switcher calculator. When you’re ready to switch your mortgage talk to our dedicated team of mortgage advisors in branch, on the phone or switch online in your own time to start the application process.

Calculate now >


Approval in Principle

Once you have given us your information we will give you an idea of how much you can borrow, we call this Approval in Principle, which means you are one step away from switching to us. It’s not the formal contract, not just yet, but it’s good for the next 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 we’ll need to know the property details and the name of your solicitor to finalise your mortgage application. We will also need a Valuation Report on the home and proof that you have mortgage protection and home insurance in place.


Mortgage Drawdown

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 are happy with the contract, you both need to sign the contract and return it to AIB. Once everything is in place, your solicitor will drawdown the mortgage funds on your behalf and send the money to your existing lender to clear your mortgage with them.

Useful information


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Mortgage Switcher calculator
Find out how much you could save
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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


Book an appointment
Your Mortgage Advisor can help you with your application
Ask for a call back
A Mortgage Advisor will call you to help with your application
It's now easier to switch

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



It’s now easier to switch

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Talk to us

Mortgage experts are here to help

Book an appointment

Book some time with us

Your local mortgage expert can help

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