Fixed rate mortgages

Here are some of the benefits of a fixed rate mortgage:

  • £500 Cashback for 5 year Green Fixed Rate click here for more details
  • No application fee
  • No booking fee
  • The monthly payment for the initial term of the loan will always be the same
  • Free legal fees for customers switching their mortgage to AIB for Intermediaries using a bank nominated solicitor. Click here for more details.
  • Free valuation for switchers and first time buyers
  • Repayment terms of up to 35 years

Our Rates

Fixed rate (fixed until 28 February 2030)

Maximum LTV Initial fixed interest rate Interest rate following the fixed interest term The overall cost for comparison Early repayment charge
≤60% 4.14%

The Bank's standard variable rate, currently

7.35%

6.22% APRC If the mortgage is repaid or reduced within the fixed rate period, an early repayment charge will apply.
≤75% 4.24% 6.26% APRC
≤80% 4.40% 6.34% APRC
≤85% 4.40% 6.34% APRC
≤90% 4.88% 6.59% APRC
≤95% 5.75% 7.05% APRC

Free valuation for switchers and first time buyers.

**The 95% LTV tier is available to existing AIB customers only and is available for property values up to £250,000.

*** 95% Loan to value product is open to all customers excluding those seeking to finance ‘New Builds’

Click here for more information on our Loan to Value Criteria. 

 


Fixed rate (fixed until 28 February 2027)

Maximum LTV Initial fixed interest rate Interest rate following the fixed interest term The overall cost for comparison Early repayment charge
≤60% 4.49%

The Bank's standard variable rate, currently

7.35%

7.22% APRC If the mortgage is repaid or reduced within the fixed rate period, an early repayment charge will apply.
≤75% 4.53% 7.22% APRC
≤80% 4.65% 7.25% APRC
≤85% 4.65% 7.25% APRC
≤90% 4.92% 7.31% APRC
≤95% 5.45% 7.44% APRC

Free valuation for switchers and first time buyers.

**The 95% LTV tier is available to existing AIB customers only and is available for property values up to £250,000.

*** 95% Loan to value product is open to all customers excluding those seeking to finance ‘New Builds’

Click here for more information on our Loan to Value Criteria.

 

 

This information is intended for intermediary use only and is not intended nor has it been approved as a qualifying credit promotion.

 

 

 

Our Criteria

Our Criteria

View more information on our credit policy and criteria

Mortgage Rates

Mortgages Rates

Have a look at our mortgages rates 

Mortgage Fees and Charges

Mortgage Fees & Charges

Your mortgage fees and charges explained 

Frequently Asked Questions

Frequently Asked Questions

View our Mortgage frequently asked questions

Our Criteria

Call us

Call our run-by desk on

028 9047 9100

Mortgage Rates

Email us

Contact us by 

Email

Mortgage Fees and Charges

Contact our team

Contact your

Business Development Manager

Important information

AIB (NI) reserves the right to withdraw or amend products at any time. Loans are granted subject to an appraisal of the applicant's financial standing. Applicants must be 18yrs or over. Minimum mortgage amount £25,000. Lending criteria, terms and conditions apply. An independent valuation will be required. The mortgage will be secured against the mortgaged property. Primary residence only.