Welcome to AIB


Information Hub



AIB will pay the cost of the ECB rate increases announced in July and September until the end of the year, for tracker mortgage customers whose accounts have transferred from Ulster Bank. 

This means we have waived the July and September ECB rate increase to January 2024. Your repayments for the rest of 2023 will not include these two increases. Any further rate increases announced by the ECB from now until December 2023 will also be waived until January 2024. These customers repayments will not change due to ECB rate increases until February 2024.

This is in recognition of the confusion and concern that may have been caused for these customers by a letter they received in August 2023. The letter was issued following the ECB rate increase announcement in July and may have contained an incorrect repayment amount for October 2023.

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.

faq icon

ECB Rate change Q&A's

faq icon

Mortgage moving Q&A's

faq icon

Managing your Mortgage Q&A’s

faq icon

Paying your mortgage Q&A's

faq icon

Mortgage types and benefits Q&As

faq icon

Mortgage interest rates Q&A’s

faq icon

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.