Fixed rate (fixed until 30 November 2022)

Maximum LTV Initial fixed interest rate Interest rate following the fixed interest term The overall cost for comparison Early repayment charge
60% 1.79%

The Bank's standard variable rate, currently

3.8%

3.7% APRC If the mortgage is repaid or reduced within the fixed rate period, an early repayment charge will apply.
75% 1.99% 3.7% APRC
80% 2.12% 3.8% APRC
85% 2.12% 3.8% APRC
90% 2.68% 3.8% APRC
95% 3.40% 3.9% APRC
See below for summary of additional information

Fixed rate (fixed until 30 November 2025)

Maximum LTV Initial fixed interest rate Interest rate following the fixed interest term The overall cost for comparison Early repayment charge
60% 1.79%

The Bank's standard variable rate, currently

3.8%

3.3% APRC If the mortgage is repaid or reduced within the fixed rate period, an early repayment charge will apply.
75% 1.99% 3.3% APRC
80% 2.12% 3.4% APRC
85% 2.33% 3.5% APRC
90%* 2.33% 3.5% APRC
95%** 4.20% 4.1% APRC

See below for summary of additional information

5 Year Green Mortgage  (Fixed rate until 30 November 2025)

Maximum LTV Initial fixed interest rate Interest rate following the fixed interest term The overall cost for comparison Early repayment charge
60% 1.69% The Bank's standard variable rate, currently 3.8% 3.3% APRC If the mortgage is repaid or reduced within the fixed rate period, an early repayment charge will apply.
75% 1.84% 3.3% APRC
80% 1.97% 3.4% APRC
85% 2.18% 3.4% APRC
90% 2.18% 3.4% APRC
95% 4.05% 4.1% APRC

See below for summary of additional information

2 Year Green Discount Standard Variable Rate

Minimum deposit (% of property price) 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
Existing Customers: 5%* 2.5% -1.30%

The Bank's standard variable rate, currently

3.8%

3.8% APRC

 

N/A

New Business: 15% 

 

*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: 85% 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% 1.84% -1.96%

The Bank's standard variable rate, currently

3.8%

3.5% APRC

 

N/A

75% 2.01% -1.79% 3.6% APRC
80% 2.01% -1.79% 3.6% APRC
85% 2.49% -1.31% 3.8% APRC
90%* 2.59% -1.21% 3.4% APRC
95%** 3.80% N/A 4.1% APRC
See below for summary of additional information

Self-Build

Maximum LTV Interest rate (Bank Base Rate + 3.7%) The overall cost for  comparison Early repayment charge 

75%

3.8%

4.0% APRC

N/A

Co-ownership (Existing customers only)

Product Initial fixed interest rate Interest rate following the fixed interest term The overall cost for comparison Early repayment charge Cashback
Existing Customers: 95%* 1.99% The Bank's standard variable rate, currently 3.8% 3.7% APRC If the mortgage is repaid or reduced within the fixed rate peroid, an early repayment charge will apply. N/A
New Business: 85%  1.99% 3.7% APRC

Standard variable rate

Maximum LTV Variable interest rate The overall cost for comparison Early repayment charge
Existing Customers: 95%* 3.8% 4.5% APRC N/A
New Business: 85% 

 

*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: 85% 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

*The 90% and 95% LTV tiers are available to existing AIB customers only.

**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%.

 

  • Up to £2,000 Cashback click here for more details.
  • Free valuation for switchers and first time buyers.

Need to talk to us?

 

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Help and guidance

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.

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