Mortgages

First Time Buyer Mortgage

• Choice of competitive interest rates available.
• Up to 92% finance available (maximum of 75% Loan-To-Value for one bedroom apartment).
• 3 months Deferred Start option available*.
• Home Insurance from AIB: 30% discount if you're a first time buyer
  or have been claim-free for 3 years.

Owner Occupier Mortgage

• Choice of competitive interest rates available.
• Up to 92% finance available (maximum of 75% Loan-To-Value for one bedroom apartment).
• 3 months Deferred Start option available*
• Home Insurance from AIB: Great customer discounts and an
  interest-FREE monthly direct debit payment option.

Residential Buy-to-Let Mortgage

• Up to 75% finance available.
• Mortgage repayment terms of up to 25 years.
• Choice of competitive interest rates available.
• Home Insurance from AIB: Accidental Damage to the buildings
  and landlord's contents covered as standard.

Concerned about your Mortgage Repayments?

Come and talk to us...

At AIB we know that some of our customers are experiencing financial difficulties. You may be worried about your ability to keep up with your mortgage repayments while living on a reduced income. If you are having difficulty meeting your mortgage repayments or anticipate having difficulty, we would like to work with you to find a way to help you manage your situation.

We have dedicated staff in every branch who are available to discuss any concerns you may have with meeting your mortgage repayments.

There is also a dedicated helpline available if you would like to discuss any aspect of your mortgage account - telephone 1890 252 008.

Under the Central Bank's Code of Conduct on Mortgage Arrears, AIB has introduced a five step process called the Mortgage Arrears Resolution Process or MARP to help support mortgage customers who are in arrears or are at risk of going into arrears. This also applies to customers where an alternative repayment arrangement, already in place, breaks down or expires. The protection of the Code applies to your residential property, which you occupy as your family home or your only residential property in the state that you may not currently reside in.

You can download the AIB MARP Guide here which explains the MARP five step process in more detail.