Welcome to AIB

 

Information Hub

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Internet Banking:

If you would like to get online access via Internet banking or the Mobile App and you have an AIB personal Current Account, you will need to register for Online Banking. Please see the Q&A “Can I get online access via Internet banking or the Mobile App to view my mortgage balance?” below for the steps to follow.  

If you do not have an AIB personal current account, we can tell you your mortgage loan account(s) balance and any other information over the phone. Please call our team on 0818 251 008 (+353 818 251 008 from abroad).

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ECB Rate Change:

On the 12th of September 2024, the European Central Bank (ECB) announced a decrease to its ECB interest rate by 0.25%.

The ECB have also announced a one-off adjustment to the refinancing rate of 0.35%. The Tracker rate tracks the refinancing rate. 

This means customers who are on a tracker interest rate will see their rate decrease by 0.6%.

Customers were sent a letter towards the end of September 2024 confirming their new interest rate and repayment amount(s). Customers repayment amounts will change in November.

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Ulster Bank exited the SEPA scheme on the 30th of August 2024. From this date, customers are unable to send and/or receive Standing Orders or Electronic Fund Transfers (EFT’s) through Ulster Bank.

Please see below on how to change the payee details for setting up an EFT or Standing Order to an AIB account.

There is also information below on how to set up a Direct Debit.

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If you make an overpayment to your mortgage account and would like confirmation of the lodgement made and your new mortgage account balance, you can contact our team on 0818 251 008 (+353 818 251 008 from abroad) to confirm this information. You can also request an ad hoc mortgage account statement at any time.

 

If you are a customer who recently received a letter from Ulster Bank dated the 2nd of September 2024 letting you know your mortgage loan has moved to us, we would like to welcome you to AIB. The day-to-day management and servicing of your mortgage loan has moved to us.

Our purpose is to empower people to build a sustainable future. Whether that be adapting to a greener way of living, planning for the future, growing a business or simply navigating day-to-day banking, our ambition is to be at the heart of all our customers’ financial lives. We look forward to supporting you through this transition.

We have created this Information Hub with helpful Q&A's to support you in answering any questions you may have now that your mortgage has moved to us.

 

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ECB Rate Change Q&A’s

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Moving Mortgage Q&A's

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Managing your Mortgage Q&A’s

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Mortgage Payments and Overpayments Q&A's

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Mortgage Amendments, Mortgage Types and Benefits Q&A's

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Financial Support Q&A's

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Mortgage Interest Rates Q&A’s

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Identity Documents Q&A’s

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Other Mortgage Related Q&A's

 

 

Questions and Answers about the ECB Rate Change

    

Questions and Answers about your Mortgage Moving

    

Questions and Answers about Managing your Mortgage

    

Questions and Answers about Payments and Overpayments

Questions and Answers about Mortgage Amendments, Mortgage Types & Benefits

Questions and Answers about Financial Support

 

 

Questions and Answers about Mortgage Interest Rates

Questions and Answers about Identity Documents

 

Questions and Answers on Other Mortgage Related Items

Mortgage Forms & Guides

Customers affected by MICA or Pyrite

We have a team dedicated to supporting you.

Please email us your name, contact number, address of the property, and your mortgage account number to mica@aib.ie and a member of our MICA team will call you.

For more information on the Government MICA Grant Scheme please check this link Schemes for houses affected by pyrite or mica (citizensinformation.ie)

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 (Buy Now Pay Later) agreement in the future.