Mortgages from Allied Irish Bank (AIB)

AIB, one of Ireland’s biggest banks, offers a range of mortgages for homeowners. Whether you’re buying your first home, switching or buying to let, AIB has a mortgage for each stage of your homeowner journey.

What mortgages do AIB offer?

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

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, so you can save money on your mortgage, and give you €2,000 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 will offer expert advice and competitive rates to property investors and landlords.

No matter what type of borrower you are, it’s best to compare AIB mortgages rates with what’s on offer from other lenders.

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Find the best first time buyer and home mover mortgage deals in Ireland using our comparison.

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AIB mortgage offers in focus

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 5 Year Fixed Rate. It’s 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.

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My Mortgage online mortgage tool

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:

Upload documents requested
Download documents and useful templates
View progress and track your application
Webchat with an advisor any time

More from AIB

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.

Compare mortgage rates & deals

Find the best first time buyer and home mover mortgage deals in Ireland using our comparison.

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AIB mortgages FAQs

How long does AIB mortgage approval take?

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.

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’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.