Green Mortgage Rates
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Our Green Mortgage rates are available to you if:
You are a new customer buying your home (Private Dwelling Home mortgage) which has an Energy Performance Certificate (EPC) rating in bands A or B.
You already have a mortgage loan with us, your home has an EPC rating in the energy bands A or B and you’ve more than five years left on the loan.
The EPC must be currently valid and have been issued within the previous 10 years when you apply for a Green Fixed Rate mortgage.
There may be a cost associated with obtaining an EPC. If you cannot locate your EPC you may be able to recover it from the Domestic EPC registers.
Go to the EPC website and click the link to access the Domestic EPC Registers. Click on ‘Retrieve an Energy Performance Certificate' and follow the instructions on the screen. We will need this document before drawdown.
Great mortgage rates
Features and Benefits
-
Cashback
£500 cashback is available on our 5 Year fixed Green Mortgage.
Some exclusions apply: Further advances and loans less than £100,000. A minimum of £100,000 must drawdown on the 5 Year fixed Green Rate to qualify for cashback.
-
No application or booking fee
You will not have to pay an application fee or a booking fee with this mortgage.
-
Free Valuations for First Time Buyers and Switchers
No valuation fee for First Time Buyers and Switchers
-
Other features and information about our mortgage
Useful Information
A copy of the EPC for the property or the brochure for the property displaying the EPC must be provided to the Bank to avail of this product.
An EPC is valid for 10 years from the 'Date of Certificate' date, which is shown in the top left hand corner of the EPC.
To avail of our Green Mortgage product you must provide the Bank with a copy of the Energy Performance Certificate EPC for the Property which confirms that the Property has an energy efficiency rating in bands A or B. The Certificate EPC must be currently valid and have been issued within the previous 10 years when you apply for a Green Fixed Rate mortgage.
There are some terms and conditions you need to be aware of, such as, if you repay part of your loan while on a fixed rate, or you break out of your fixed rate early, you may have to pay a breakage cost. These are outlined in our Fees and Charges brochure.
Mortgage Repayment Calculator
Find out what a monthly mortgage payment is likely to be based on the mortgage amount, term and interest rate you input below. To view our current mortgage rates, click here.
This calculator is for illustrative purposes only and is not a mortgage offer or a commitment to lend.
Estimated monthly repayment
This is based on capital and interest repayment mortgage and is for illustrative purposes only. Interest rates are subject to change.
If you want to find out more information on our mortgages or want to apply, call us on 028 9082 1655 or request a callback. Mortgages are subjected to an appraisal of the applicant’s financial standing.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Help and guidance
Frequently asked questions
Whatever your mortgage question, you can bank on us
Talk to us
Speak with a mortgage adviser today. They’ll explain exactly what’s involved, and answer any of your questions.
Call us on 028 9047 9221 from Monday to Friday between 10am-5pm, request a callback or drop in to any AIB branch.
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. For properties based in Northern Ireland, the minimum mortgage amount is £25,000. For properties based in England, Scotland or Wales, the minimum mortgage amount is £150,000 and applications will be accepted from PAYE employees only. Lending criteria, terms and conditions apply. An independent valuation will be required. Your mortgage will be secured against the mortgaged property. Other security may be required. Primary residence only.
There may be a cost associated with obtaining an EPC. If you cannot locate your EPC you may be able to recover it from the Domestic EPC registers. Go to the EPC website and click the link to access the Domestic EPC Registers. Click on ‘Report Retrieval’ and follow the instructions on the screen.
Before proceeding please take time to read our Site Legal Notice, Privacy and Cookie Statements. By proceeding further you are deemed to have read and accepted these when using our website.
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.