Mortgage Interest Rates
Mortgage rates - applicable from 17th April 2024
- £500 Cashback for 5 year Fixed Green £100,000*
- No application fee
- No booking fee
* 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.
Fixed rate (fixed until 31 May 2026)
| 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. To calculate what a mortgage payment is likely to be, click here. | ||||
Fixed rate (fixed until 31 May 2029)
| 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 | ||
| See below for summary of additional information. To calculate what a mortgage payment is likely to be, click here. | ||||
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% | 5.79% | -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. To calculate what a mortgage payment is likely to be, click here. |
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Self-Build
| 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 |
5 Year Green Mortgage (Fixed rate until 31 May 2029)
| Maximum LTV | Initial fixed interest rate | Interest rate following the discounted 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 | ||
See below for summary of additional information. To calculate what a mortgage payment is likely to be, click here. |
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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% | 5.69% | -2.06% | The Bank's standard variable rate, currently 7.75% |
7.86% APRC | N/A |
| ≤75% | 5.86% | -1.89% | 7.89% APRC | N/A | |
| ≤80% | 5.86% | -1.89% | 7.89% APRC | N/A | |
| ≤85% | 6.34% | -1.41% | 8.01% APRC | N/A | |
| ≤90% | 7.09% | -0.66% | 8.20% APRC | N/A | |
See below for summary of additional information. To calculate what a mortgage payment is likely to be, click here. |
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Summary of additional information
5% minimum deposit above applies to property values of up to £250,000, then 10% minimum deposit is applicable to properties valued up to £750,000. The minimum deposit for properties over £750,000 is 20%.
10% minimum deposit above applies to New Build properties and Apartments
20% minimum deposit for 1 bed apartments
Free valuation for switchers and first time buyers.
Find out more about our mortgages. Standard variable rate mortgages are also available.
Mortgage Repayment Calculator
Our mortgage repayment calculator is a helpful tool which will tell you what a mortgage payment is likely to be. 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.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
First time buyer?
- No application fee
- No booking fee
- Free standard valuation fee
Moving your mortgage to AIB (NI)?
- No application fee
- No booking fee
- Free legal fees using a bank nominated solicitor*
- Free standard valuation fee
Whatever your mortgage question, you can bank on us.
View our frequently asked mortgage questions
Additional information
AIB (NI)’s Bank Base Rate can go up or down. AIB (NI)’s Bank Base Rate is typically the same as the Bank of England Base Rate, although this may not always be the case. Mortgages with a rate of interest linked to AIB (NI)’s Bank Base Rate will move in accordance with our base rate changes after the relevant notification period.
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 Property value amount is £150,000 and applications will be accepted from PAYE employees only.
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.
*The Bank will appoint a solicitor to act on its behalf only for the remortgage and will pay the standard solicitor fees, VAT and the cost of standard disbursements directly relating to the remortgage.
Depending on your circumstances other legal fees may apply which you will have to pay for, for example first registration of land or change of names on the mortgage (please note this is not exhaustive).
If you seek additional independent legal advice as part of your remortgage you must arrange to pay for those services yourself.
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.
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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.