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.
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:
- New customers buying or building a home with a BER between A1 and B3
- Existing customers with over 5 years left on loan and a BER between A1 and B3
- 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.
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.
Compare mortgage rates & deals
Find a range of first time buyer and home mover mortgage deals in Ireland using our comparison.
Mortgage lenders in Ireland
