Mortgage Interest Rates
Fixed rate (fixed until 31 May 2026) |
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|---|---|---|---|---|
| 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 | ||
| See below for summary of additional information | ||||
Fixed rate (fixed until 31 May 2029) |
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|---|---|---|---|---|
| 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 | ||
5 Year Green Mortgage (fixed rate until 31 May 2029) |
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|---|---|---|---|---|
| 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 7.75% |
6.43% APRC | If the mortgage is repaid or reduced within the fixed rate period, an early repayment charge will apply. |
| ≤75% | 4.34% | 6.52% APRC | ||
| ≤80% | 4.45% | 6.58% APRC | ||
| ≤85% | 4.61% | 6.66% APRC | ||
| ≤90% | 4.86% | 6.79% APRC | ||
| ≤95% | 5.85% | 7.32% APRC | ||
2 Year Green Discount Standard Variable Rate |
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|---|---|---|---|---|---|
| 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% | 5.69% | -2.06% | The Bank's standard variable rate, currently 7.75% |
7.86% APRC |
N/A |
| ≤75% | 5.86% | -1.89% | 7.89% APRC | ||
| ≤80% | 5.86% | -1.89% | 7.89% APRC | ||
| ≤85% | 6.34% | -1.41% | 8.01% APRC | ||
| ≤90% | 7.09% | -0.66% | 8.20% 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 |
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2 year variable rate 'Discount Freedom' |
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|---|---|---|---|---|---|
| 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% | 5.79% | -1.96% | The Bank's standard variable rate, currently 7.75% |
7.88% APRC |
N/A |
| ≤75% | 5.96% | -1.79% | 7.91% APRC | ||
| ≤80% | 5.96% | -1.79% | 7.91% APRC | ||
| ≤85% | 6.44% | -1.31% | 8.03% APRC | ||
| ≤90%* | 7.19% | -0.56% | 8.23% APRC | ||
| See below for summary of additional information | |||||
Self-Build |
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|---|---|---|---|
| Maximum LTV | Interest rate (Bank Base Rate + 3.70%) | The overall cost for comparison | Early repayment charge |
75% |
8.95% |
9.37% APRC |
N/A |
Standard variable rate
| Maximum LTV | Variable interest rate | The overall cost for comparison | Early repayment charge |
|---|---|---|---|
| Existing Customers: 95%* | 7.75% | 8.38% 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 |
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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.
Summary of additional information
- 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.
- Up to £2,000 Cashback click here for more details.
- Free valuation for switchers and first time buyers.
Need to talk to us?
- You can contact us in a number of ways. Choose whatever suits you.
- Call our run-by desk on 028 9047 9100
- Email us
- 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.
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.