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 31 May 2029)
| Maximum LTV | Initial fixed interest rate | Interest rate following the fixed interest term | The overall cost for comparison | Early repayment charge |
|---|---|---|---|---|
| ≤60% | 4.24% | The Bank's standard variable rate, currently 7.75% |
6.48% APRC | If the mortgage is repaid or reduced within the fixed rate period, an early repayment charge will apply. |
| ≤75% | 4.44% | 6.58% APRC | ||
| ≤80% | 4.55% | 6.63% APRC | ||
| ≤85% | 4.71% | 6.71% APRC | ||
| ≤90% | 4.96% | 6.84% APRC | ||
| ≤95% | 5.95% | 7.37% 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. |
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Fixed rate (fixed until 31 May 2026)
| Maximum LTV | Initial fixed interest rate | Interest rate following the fixed interest term | The overall cost for comparison | Early repayment charge |
|---|---|---|---|---|
| ≤60% | 4.54% | The Bank's standard variable rate, currently 7.75% |
7.56% APRC | If the mortgage is repaid or reduced within the fixed rate period, an early repayment charge will apply. |
| ≤75% | 4.65% | 7.58% APRC | ||
| ≤80% | 4.85% | 7.63% APRC | ||
| ≤85% | 4.85% | 7.63% APRC | ||
| ≤90% | 5.06% | 7.68% APRC | ||
| ≤95% | 5.90% | 7.89% 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. |
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This information is intended for intermediary use only and is not intended nor has it been approved as a qualifying credit promotion.
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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.
IMPORTANT: This site is solely for the use of FCA authorised mortgage intermediaries registered with AIB (NI). If you're not a mortgage intermediary or professional advisor and would like information about a mortgage please go to our Personal Banking site.
AIB Group (UK) p.l.c. is covered by the Financial Services Compensation Scheme, Financial Ombudsman Service and is a Registered Firm with The Lending Standards Board.
The AIB logo and AIB (NI) are trade marks used under licence by AIB Group (UK) p.l.c. incorporated in Northern Ireland. Registered Office 92 Ann Street, Belfast BT1 3HH. Registered Number NI018800. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.