Whatever your mortgage question, you can bank on us.

Whether you're a first time buyer, or you’ve done it before, it’s natural to have questions when you’re buying a new home.  At AIB (NI), we want to help.   You can call us on 0345 600 5925 to talk to us about your mortgage needs.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Mortgage FAQs

Here are some of the most frequently asked questions about our mortgages:

Representative example

  • Loan value: £203,413
  • Loan term: 28 years
  • Loan Type: Fixed rate for 2 years, reverting to standard variable rate for the remaining term
  • Initial monthly repayments: £1,303.53, followed by a repayment of £1,490.01 for the remaining term
  • Fixed rate: 6.30% for 2 years
  • Standard variable rate: currently 7.75%
  • APRC (annual percentage rate of charge): 7.93%
  • Number of monthly instalments: 336
  • The following fees are included in the calculation for this example:
    • Funds transfer fee, £30;
    • Mortgage exit fee, £55;
    • Valuation fee £200

If the rates do not vary during the term of the mortgage, the total cost of credit (the total amount repayable less the amount of the mortgage) would be £293,039.84. This means that the borrower would have to pay a total amount of £496,452.84. Home insurance is required.

For more information, see General Information about AIB (NI) Mortgages

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Call 034 5600 5925

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