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 Changes to AIB Higher Value 4 Year Fixed Rates for Mortgages 

We are decreasing our AIB Higher Value 4 Year Fixed Rates for new and existing customers. Whether buying, building or switching, new customers can benefit from these rates on mortgages of €250,000 or more. Existing mortgage customers may also be eligible, provided they have a mortgage balance of at least €250,000 and a minimum of four years remaining on their loan term

The new rates will be effective from 16 October 2026 and are follows: 

 

PDH Fixed Rates

Current Rates

New Rates (effective from 16 October 2026)

Higher Value 4 Year Fixed Rate<=50% LTV3.40%3.15%
>50%<=80% LTV3.50%3.20%
>80% LTV3.60%3.25%


If you want to change the interest rate on your mortgage, please fill out the customer information and section 2 of the Mortgage Amendment Form (PDF, 5 pages, 756.5KB). Get everyone on the mortgage to sign it and email it to homemortgages@aib.ie. You can also post it to the address shown on the form.

Questions & Answers

I drew down my Mortgage before 16 October 2025 on a Higher Value 4 Year fixed rate, how will this affect me?

If you have drawn down your mortgage prior to16 October 2026 it will have had the existing fixed rate (as per their Letter of Offer) on the date of drawdown applied.

These changes to Higher Value 4 Year fixed rate will be effective from Friday, 16 October 2026.

I have a Letter of Offer with a Higher Value 4 Year fixed rate on it. What rate will be applied to my mortgage at drawdown?

If you drawdown your mortgage on a fixed rate it will have the existing fixed rate on the date of drawdown applied.

If you draw down your mortgage on a Higher Value 4 Year fixed rate it will have the applicable fixed rate on the date of drawdown applied.

If you draw down your mortgage prior to 16 October 2026 then the existing rate prior to this announcement will apply.

If you draw down your mortgage on or after 16 October 2026 we will apply the new lower rates.

Following this, you have a cooling off period during which you can fill out a Mortgage Amendment Form to confirm the new rate you want applied to your mortgage account from 16 October 2026. Please also write to us, when you send the form, to tell us you want to use the cooling off period as an opportunity to change your rate.

I have an Approval in Principle (AIP), what do I need to do?

You don’t have to do anything now. Before we send your Letter of Offer, your Mortgage Advisor will ask you what interest rate you want.

I have a mortgage with AIB on a Fixed rate. Can I have one of these new lower fixed rates?

If you already have a fixed rate on your mortgage, this fixed rate will continue to apply until the end of your fixed rate term.

If you want to move to an alternative fixed rate, you may have to pay an early breakage charge.

Please contact your Mortgages Advisor or local branch for more details.

I have a mortgage with AIB and my mortgage is on a variable rate. Are variable rates changing?

No, we are not changing our variable Rates.
Details of our mortgage rates are available on our website.

You can visit AIB mortgage interest rates.

I sent you a Mortgage Rate Amendment Form before these rates were reduced. Which rate will I get?

If you send us the Mortgage Rate Amendment Form before 16 October 2026, you will get the current rates, prior to this change.

You can use the cooling-off period to complete a Mortgage Rate Amendment Form to get the new rates from 16 October 2026. Please also write to us, when you send the form, to tell us you want to use the cooling off period as an opportunity to change your rate.

I received a fixed rate roll off letter from you that has the old fixed rates, what fixed rates are available to me?

All rates in the letters are correct at the time of posting but are subject to change.

If you send us the Mortgage Rate Amendment Form before 16 October 2026, we will apply the current rates, prior to this change.

You can use the cooling-off period to complete a Mortgage Rate Amendment Form to get the new rates from 16 October 2026 Please also write to us, when you send the form, to tell us you want to use the cooling off period as an opportunity to change your rate.

Help & support

 

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Your Mortgage Advisor can help you with your application

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Home Mortgage Regulatory Information

A typical €100,000, 20 year mortgage for an Owner Occupier Residential Property with a ‘Green’ Fixed rate of 3.40% and Annual Percentage Rate of Charge (APRC) 3.88%, will include 60 monthly fixed repayments of €574.49 and 180 variable payments of €604.47. If the interest rate does not vary (based on today’s equivalent variable rate of 4.15%) during the term of the mortgage, the total cost of credit i.e. the total amount repayable less than the amount of the loan would be €43,548.48 (inclusive of €215.00 valuation report fees and security release fee of €60.00). The total amount repayable would be €143,548.48. The effect of a 1% increase in the prevailing variable rate (4.15%) will add €41.31 to the 180 monthly variable repayments. Available to new and existing customers. Breakage fees may apply in the case of existing customers. Lending criteria, terms and conditions apply. Over 18s only. Security may be required.

WARNING: If you do not keep up your repayments you may lose your home.

 

WARNING: You may have to pay charges if you pay off a fixed-rate loan early.

 

WARNING: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire- purchase agreement, a consumer-hire agreement or a BNPL (Buy Now Pay Later) agreement in the future.