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Whether you’re a seasoned mortgage expert or a first-time buyer, buying a new home should be an exciting time! Here at AIB we want to make finding the perfect mortgage as simple as possible.

With a range of options to suit your personal circumstances, this handy guide will have you finding your mortgage match in no time.


First Time Buyer

Deciding to buy your first home is a milestone moment, which is why we have mortgages designed specifically for first-time buyers ready to get on the property ladder.

As a residential first time buyer, you will not pay an application fee, or a booking fee if you want to secure a particular fixed rate mortgage deal. We also offer free valuation for first time buyers - this fee covers the lender's valuation report.

From the amount you can borrow to typical monthly repayments based on your individual circumstances, our dedicated team of mortgage advisors will help to get you up to speed so you can feel mortgage ready in an instant! We can talk you through the whole process, so you can focus on decorating your home to match your Pinterest board.


Green Mortgage

Are you buying an energy efficient home? Did you know you can be rewarded for making smarter greener choices?

If you are a new or a current mortgage customer with us and are moving to a home which has an Energy Performance Certificate (EPC) rating in bands A or B, this mortgage offering may suit you.

To be eligible the EPC must be currently valid and have been issued within the previous 10 years when you apply for a Green Fixed Rate mortgage. At AIB, we are also offering a £500 cashback offer on 5-year fixed mortgages, £500 more to spend in IKEA, kitting out your new place.

Find out more about our green mortgages here.


Self Build

Want to build your dream home, but not sure where to start?

At AIB we are passionate about being there for you every step of the way, from concept to completion and that is why we assign an expert Self Build Specialist to you throughout your journey. We’re the only bank in Northern Ireland to offer this free service which can help you make sure the project stays on time and on budget! This allows us to take something off your plate, and you can focus on move in day.

Once you have planning permission approved by your Local Authority, we can start the process on your Self Build mortgage so the sooner you get started, the better. Our advice is to make sure you plan your finances thoroughly, even though it’s such an exciting project extra costs such as solicitor fees, valuation fees and stamp duty land tax are all expenses that need to be taken into consideration. But not to worry, our independent Self-Build Specialist will be on hand to verify projected costs and help minimise over-spending during the build, to help make your dream a reality!


Home Mover

Are you wanting to be closer to family? Relocating for a new job? Want to live in a new area? Let us help you move things along!

If you are planning a home move, you can bring your existing mortgage deal with AIB (NI) with you. This means you can transfer your mortgage rates, terms and conditions to your new property, leaving you free to focus on moving. When submitting your application there is no booking fee for residential home movers.

If you don’t have an existing mortgage with AIB not to worry, you can easily avail of one of our mortgage deals when moving house. Just give one of our team a call to discuss your options.

Here at AIB we take on the homework with our experienced mortgage team on hand to seamlessly guide you through the whole process.


Mortgage Switcher

The thought of switching mortgage provider might be daunting but at AIB we want you to challenge us to save you money on your mortgage!

When switching over to AIB there are some unmissable features that you could be eligible for. Such as free legal fees with a bank nominated solicitor, free valuation fee and no booking or application fees, which always helps the pocket. The biggest bonus of all, you may be eligible for £500 Cashback for 5 year fixed Green mortgages over £100,000. So why not get in touch with our dedicated switching team today to find out more.


To find out more about our mortgage offering or to schedule a call with one of our mortgage team call 0345 600 5925 or visit our dedicated mortgage homepage at