Mortgage Interest Rates

 

Cashback is available on a range of our fixed rates. Cashback applies to new lending only - cashback is payable within one month of draw down, subject to the loan not being redeemed during that time. Some exclusions apply: Further Advances and loans less than £100,000. 

 

Fixed rate (fixed until 31 May 2027)
Maximum LTV Initial fixed interest rate Interest rate following the fixed interest term The overall cost for comparison Cashback
(New Lending Only)

≤60%

4.35%

7.35%

7.19% APRC

£500

≤75%

4.35%

7.35%

7.18% APRC

£500

≤80%

4.45%

7.35%

7.20% APRC

£500

≤85%

4.45%

7.35%

7.20% APRC

£500

≤90%

4.55%

7.35%

7.22% APRC

£0

≤95%

5.35%*

7.35%

7.42% APRC

£0

See below for summary of additional information

Early repayment charge - If the mortgage is repaid or reduced within the fixed rate period, an early repayment charge will apply.

 

 

Fixed rate (fixed until 31 May 2030)
Maximum LTV Initial fixed interest rate Interest rate following the fixed interest term The overall cost for comparison Cashback
(New Lending Only)

≤60%

4.35%

7.35%

6.33% APRC

£1000

≤75%

4.35%

7.35%

6.32% APRC

£1000

≤80%

4.40%

7.35%

6.34% APRC

£1000

≤85%

4.50%

7.35%

6.39% APRC

£1000

≤90%

4.54%

7.35%

6.41% APRC

£0

≤95%

5.65%*

7.35%

6.99% APRC

£0

See below for summary of additional information

Early repayment charge - If the mortgage is repaid or reduced within the fixed rate period, an early repayment charge will apply.

 

 

2 Year Green Mortgage (fixed rate until 31 May 2027)
Maximum LTV Initial fixed interest rate Interest rate following the fixed interest term The overall cost for comparison Cashback
(New Lending Only)

≤60%

4.31%

7.35%

7.18% APRC

£700

≤75%

4.31%

7.35%

7.17% APRC

£700

≤80%

4.41%

7.35%

7.19% APRC

£700

≤85%

4.41%

7.35%

7.19% APRC

£700

≤90%

4.51%

7.35%

7.21% APRC

£200

≤95%

5.31%*

7.35%

7.41% APRC

£200

See below for summary of additional information

Early repayment charge - If the mortgage is repaid or reduced within the fixed rate period, an early repayment charge will apply.

 

 

5 Year Green Mortgage (fixed rate until 31 May 2030)
Maximum LTV Initial fixed interest rate Interest rate following the fixed interest term The overall cost for comparison Cashback
(New Lending Only)

≤60%

4.25%

7.35%

6.28% APRC

£1500

≤75%

4.25%

7.35%

6.27% APRC

£1500

≤80%

4.30%

7.35%

6.29% APRC

£1500

≤85%

4.40%

7.35%

6.34% APRC

£1500

≤90%

4.44%

7.35%

6.36% APRC

£500

≤95%

5.55%*

7.35%

6.94% APRC

£500

See below for summary of additional information

Early repayment charge - If the mortgage is repaid or reduced within the fixed rate period, an early repayment charge will apply.

 

2 Year Green Discount Standard Variable Rate
Maximum LTV Initial variable interest rate Differential to our Standard Variable Rate Interest rate following the discounted interest term The overall cost for comparison Early repayment charge
≤60% 5.29% -2.06%

The Bank's standard variable rate, currently

7.35%

 7.42% APRC

 

N/A
≤75% 5.46% -1.89% 7.45% APRC
≤80% 5.46% -1.89% 7.45% APRC
≤85% 5.94% -1.41% 7.57% APRC
≤90% 6.69% -0.66% 7.76% APRC

 

*Existing customers: 95% maximum LTV above applies to property values of up to £250,000. The maximum LTV for properties valued between £250,000 and £750,000 is 90%. The maximum LTV for properties over £750,000 is 80%.

 

New Business: 90% maximum LTV above applies to property values of up to £750,000. The maximum LTV for properties over £750,000 is 80%

Free valuation for switchers and first time buyers

A standard variable rate mortgage is also available

2 year variable rate 'Discount Freedom'
Maximum LTV Initial variable interest rate Differential to our Standard Variable Rate Interest rate following the discounted interest term The overall cost for comparison Early repayment charge
≤60% 5.39% -1.96%

The Bank's standard variable rate, currently

7.35%

 7.45% APRC

 

N/A
≤75% 5.56% -1.79% 7.48% APRC
≤80% 5.56% -1.79% 7.48% APRC
≤85% 6.04% -1.31% 7.60% APRC
≤90%* 6.79% -0.56% 7.79% APRC
See below for summary of additional information

Self-Build
Maximum LTV Interest rate (Bank Base Rate + 3.70%) The overall cost for  comparison Early repayment charge 

75%

8.20%

8.56% APRC

N/A

Standard variable rate

Maximum LTV Variable interest rate The overall cost for comparison Early repayment charge
Existing Customers: 95%* 7.35% 7.93% APRC N/A
New Business: 90% 

 

*Existing customers: 95% maximum LTV above applies to property values of up to £250,000. The maximum LTV for properties valued between £250,000 and £750,000 is 90%. The maximum LTV for properties over £750,000 is 80%.

 

New Business: 90% maximum LTV above applies to property values of up to £750,000. The maximum LTV for properties over £750,000 is 80%

Free valuation for switchers and first time buyers
 

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

 

Summary of additional information

 

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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.