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AIB will postpone and absorb cost of ECB rate increases from July to year end for tracker mortgage customers whose accounts have transferred from Ulster Bank.

This means the July and September ECB rate increase has been postponed to January 2024 and your repayments will not change until February 2024 as a result of the July ECB interest rate announcement and/or the 14th September 2023 ECB interest rate announcement.

Any further rate increases announced by the ECB between now and December 2023 will also be postponed for these customers until their February 2024 repayment.

None of the rate increases being postponed from July 2023 to December 2023 will be backdated for these customers.

For more helpful information please see ECB rate change Q&A’s below.


See the ‘Mortgage Forms and Guides’ section below for a helpful printable version of these Questions and Answers.

Welcome to AIB. The day to day management and servicing of your mortgage loan moved to us from Ulster Bank on 24 July 2023.

Our purpose is to back our customers to achieve their dreams and ambitions. Whether that be adapting to a greener way of living, planning for the future, growing a business or simply navigating day-to-day banking, we look forward to supporting you through this transition.

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ECB Rate change Q&A's

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Mortgage moving Q&A's

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Managing your Mortgage Q&A’s

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Paying your mortgage Q&A's

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Mortgage types and benefits Q&As

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Mortgage interest rates Q&A’s

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Other mortgage related Q&As

Questions and Answers about recent ECB rate change


Questions and Answers about your mortgage moving


Questions and Answers about managing your mortgage


Questions and answers about paying your mortgage


Questions and Answers about mortgage types & benefits


Questions and Answers about mortgage interest rates


Questions and Answers on other mortgage related items

Mortgage Forms & Guides

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.