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.
AIB offers a wide range of mortgages for all types of borrower.
No matter what type of borrower you are, it’s best to compare AIB mortgages rates with what’s on offer from other lenders.
Find the best first time buyer and home mover mortgage deals in Ireland using our comparison.
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 5 Year Fixed Rate. It’s available for:
To find out more about obtaining a BER certificate, visit SEAI.ie for further information.
Once you’ve got an approval in principle, log in on your mobile, tablet or desktop and be in control of your mortgage wherever you are. Here’s what you can do on My Mortgage:
Allied Irish Bank, simply known as AIB, is Ireland’s largest bank with over 200 branches across the country. They offer 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.
Find the best first time buyer and home mover mortgage deals in Ireland using our comparison.
Once you have formally made your application, AIB will confirm within three business days that they have all the information required or let you know if there is anything 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.
It’s helpful to have all your documents ready when you apply because this will make the application process faster.
First Time Buyers (FTBs) will need a minimum 10% deposit. First Time Buyers purchasing a newly built home may also benefit from the Government’s Help to Buy (HTB) incentive.
Home movers and other borrowers need an LTV of 80% which means they need to cover 20% of the property price.
You will normally need to supply the following to support your application:
PAYE employees:
Self Employed:
You can check the AIB website and checklist if you need further information.