Owner Occupier Mortgage

Whether you are trading up or topping up your mortgage, our Mortgage Co-ordinators are always available to discuss your options with you.

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Note: This information is provided for illustrative purposes only. It does not constitute a contract. We are not recording and will not use the information quoted by you in our calculators unless it is being provided as part of a product application. The results are based on current offered rates for Mortgages.

If the security includes a new mortgage of property other than your private dwelling place or holiday home, you will have to pay the Bank's solicitor's fees for each property mortgaged as well as your own solicitor's fees, outlays and property registration fees.

In addition please note for owner occupier mortgages, there is a maximum of 85% loan to value available for Mortgages over EUR400,000 and for one bedroom apartments a maximum of 75% loan to value is available.

Mortgage Interest Rates

Competitive Mortgage options include:

• A choice of competitive interest rates available. View our Mortgage Interest Rate Options section for further details
• Up to 92% loan to value finance available
• 3 months Deferred Start option available. This is when you make no repayments whatsoever for the first 3 Months and interest in simply added to your loan. However,please be aware this repayment option will impact the repayment amount and/or the term of the mortgage, it is also subject to approval
• Repayment terms up to 35 years
• Home Insurance from AIB: 30% discount if you're a first time buyer or have been claim-free for 3 years. Discounts are calculated on a reducing balance
• Consultation with an AIB Financial Adviser to assess your Life Assurance options
• Low cost finance Masterplan Account to help you manage your monthly bills. View our Related Information Section for further details. An account maintenance fee of EUR4.50 per quarter applies.

To find out more about our competitive Mortgage package, contact your branch today or make an appointment to meet one of our Mortgage Co-ordinator. Alternatively you can avail of our Call Back service to book a call with an AIB Mortgage Co-ordinator who will be happy to deal with your queries and take you through the range of competitive options available.

We also offer a range of competitive Residential Buy-to-Let Options. View our Related Information section for full details.

AIB strongly recommends that before purchasing this product you read the Important Information regarding Mortgages and our Home Mortgage Regulatory Information below in our Important / Regulatory Information section.

AIB Home Insurance is exclusively underwritten by AXA Insurance Ltd. AIB Insurance Services Limited and Allied Irish Banks, p.l.c. are regulated by the Central Bank of Ireland.

Allied Irish Banks, p.l.c. is a tied agent of Irish Life Assurance plc. for life and pensions business.

• Home Mortgages Important/Regulatory wording
• Important Information about your Mortgage Distance Contract

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