Mortgages

Mortgages from AIB

AIB offers a range of mortgages for homeowners. Whether you’re buying your first home, switching or buying to let, AIB has a mortgage for your needs.

What mortgages do AIB offer?

AIB offers a wide range of mortgages for all types of borrowers.

  • First-time buyers: AIB offers mortgage tools and expert advice to make buying your first home a little easier
  • Home movers: AIB offers tips, tools and visual guides on buying and selling your house to support your move
  • Switching: AIB makes remortgaging straightforward and offers €3,000 cashback for switching
  • Building your own home: AIB helps you through the process of financing your build with budgeting tools and staging your costs
  • Topping up: AIB can top up your mortgage to help you fund home improvements and renovation costs
  • Buying to let: AIB offers expert advice and competitive rates to property investors and landlords

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Green Mortgages

AIB offers discounted mortgage rates for borrowers with A1 to B3 energy-rated homes.

If you are buying or building a new home and have a Building Energy Rating (BER) certificate to prove your home’s energy rating is better than B3, you could benefit from a lower rate deal with their Green rate mortgages

You can choose between their 2 Year Fixed Rate, 3 Year Fixed Rate, or 5 Year Fixed Rate product.

They’re available for:

  1. New customers buying or building a home with a BER between A1 and B3
  2. Existing customers with over 5 years left on loan and a BER between A1 and B3
  3. Customers who top-up their mortgage to make their home more energy-efficient

To find out more about obtaining a BER certificate, visit SEAI.ie for further information.

Booking a mortgage appointment

You can book an AIB mortgage appointment with a mortgage advisor at your local branch via the AIB website, in a few simple clicks. You can also call one of their mortgage experts if you’re thinking of applying for a mortgage and have any questions.

AIB mortgage overpayment

From October 2023, you can overpay up to €5,000 on all fixed rates mortgages for each year of the term, without incurring an early repayment charge.

You can make an overpayment in lump sum, or over multiple payments in a branch, over the phone or online or via the AIB app.

MyMortgage online mortgage tool

Once you’ve received an Approval in Principle (AIP), you can log in on your mobile, tablet, or desktop and manage your mortgage wherever you are.

Here’s what you can do with the MyMortgage tool:

  • Upload requested documents
  • Download your AIP and other documents
  • View progress and track your application
  • Webchat with an advisor at any time

More from AIB

Allied Irish Bank, simply known as AIB, is Ireland’s largest bank, with over 170 branches across the country. It offers a full range of personal, business, and corporate banking services, as well as insurance and pensions.

Allied Irish Banks, p.l.c. is an authorised agent and servicer of AIB Mortgage Bank u.c. and is regulated by the Central Bank of Ireland.

AIB mortgages FAQs

How long does an AIB mortgage application take?

If you have a deposit saved and meet the eligibility criteria, your first step is to obtain an Approval in Principle (AIP). Your AIP will be valid for 12 months.

Once you have formally submitted your mortgage application, AIB will confirm within three business days that they have all the required information or let you know if anything is missing.

They will then take up to ten business days to give you a decision about your application. If for any reason it takes them longer they will let you know why and request any further information needed.

How much deposit do I need for an AIB mortgage?

First Time Buyers (FTBs) will need a minimum 10% deposit. First Time Buyers purchasing a newly built home may also benefit from the Government Help to Buy scheme Home movers and other borrowers need an LTV of 90%, which means they need to cover 10% of the property price.

What documents do I need to apply for an AIB mortgage?

You will normally need to supply the following to support your application:

  • Proof of your identity, such as a passport or a driving licence
  • 6 months of personal current account statements
  • 12 months savings account statements showing funds
  • Statements showing your last 12 repayments for any existing mortgages held
  • Statements for recent loans outstanding or closed

PAYE employees:

  • Pay slips for the last 2 months
  • Salary Certificate

Self Employed:

  • Two years’ certified/audited accounts
  • 6 months of business bank account statements

You can check the AIB website and checklist if you need further information.

Does AIB offer mortgage protection?

Yes, AIB’s mortgage protection helps to cover your mortgage if you die. You can add optional cover to protect you against certain illnesses, and keep eep paying throughout your mortgage.

Most customers don’t have to wait long for a policy once they’ve applied.

Compare mortgage rates & deals

Find a range of first time buyer and home mover mortgage deals in Ireland using our comparison.

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Mortgage lenders in Ireland

Warning: If you do not keep up your repayments you may lose your home. Warning: The cost of your monthly repayments may increase. Warning: You may have to pay charges if you pay off a fixed rate loan early. 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. Warning: The entire amount that you have borrowed will still be outstanding at the end of the interest-only period. The payment rates on this housing loan may be adjusted by the lender from time to time. (applies to variable rate loans only) Information provided and Interest rates quoted valid at 18/02/2025