Mortgages for home movers
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
*Applies to new lending only - cashback is payable within one month of draw down, subject to the loan not being redeemed during that time. Cashback applies as follows: 5 Year Fixed Green mortgage - £500. Some exclusions apply: Further Advances and loans less than £100,000.
To view our current mortgage rates, click here.
To view our representative examples, click here.
Time to Move
We’ll get things moving for you.
We’ll get you ‘mortgage ready’ by keeping things as simple as possible. If you have decided that you need a larger home, or you would like to be nearer family, friends, the right school for the children, or your new job. Whatever your reason for moving, we can help you to plan ahead and get the process moving in the right direction with the mortgage to suit you.
Features and benefits
Why choose AIB (NI) for your home mover mortgage?
- No application fee or booking fee for residential home movers
- We’ll help you with the homework so you can focus on finding your new home
- Competitive interest rates for owner occupiers including variable and fixed term rates (relative to your Loan to Value)
- Repayment terms of up to 35 years may be available to you
- A local mortgage adviser to guide you through the process
How it works
- You will need to be over 18 to obtain a mortgage. Your home is security for your mortgage. Other security may be required
- What you can borrow will depend on what you can comfortably afford to repay monthly, this may vary depending on individual circumstances
- If you take a mortgage with a fixed rate of at least one year and decide to repay whole, or part early, if you convert to a variable interest rate, or, if you change to another fixed interest rate you may incur an early repayment charge
- You will require home insurance
- Keep in mind you will also need money for valuation fees, legal fees, maybe a surveyor and Stamp Duty Land Tax. Not forgetting possible repairs and decoration on your new home
Port Your Mortgage
It's also useful to know that you may be able to 'port' your mortgage when you move house. This means if your mortgage is still right for your current circumstances, your existing mortgage, balance and rate simply moves with you. And because we already know you, it may be quicker and easier to make the move to your next home with us. Porting has specific timeframes and considerations so do give us a ring and we can discuss whether it's an option that's right for you.
Click here for information on how to port your mortgage.
Mortgage Repayment Calculator
Our mortgage repayment calculator is a helpful tool which will tell you what a mortgage payment is likely to be based on your selected mortgage amount, term and interest rate. This calculator is for illustrative purposes only and is not a mortgage offer. The payments are calculated on a monthly basis and based on a capital and interest repayment mortgage. Interest rates are subject to change.
To view our mortgage rates, click here.
Mortgage Repayment Calculator
Enter a mortgage amount, term and interest rate.
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.
Talk to us
Call us on 0345 600 5925 or drop in to any AIB branch and speak with a mortgage adviser today. They’ll explain exactly what’s involved, and answer any of your questions.
Alternatively, fill in our Mortgage Callback Request form and one of our mortgage advisers will call you to explain your options.
Help and guidance
General Information about AIB (NI) Mortgages
Frequently asked questions
Whatever your mortgage question, you can bank on us
Tariff of Mortgage Charges
Your mortgage fees and charges explained
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. Self-build mortgages are available for properties based in Northern Ireland only. Lending criteria, terms and conditions apply. An independent valuation will be required. Your mortgage will be secured against the mortgaged property. Primary residence only.
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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.