We can help your business find financial services that fit your long term needs and goals. Thinking about moving? Registered Office 92 Ann Street, Belfast BT1 3HH. Registered Number NI018800. Switch your mortgage to us and we'll give you €2,000 to help cover your costs. If you’re unsure about anything, why not book an appointment online or pop into a branch to speak with one of us? Switching your mortgage sounds like a real hassle. There may be some other charges, for example if you go overdrawn without agreement. 30 sec, Why get your mortgage with AIB? Knowing how much you can borrow means you can go house hunting confident of what you could afford. American Investors Bank and Mortgage has business solutions for companies of all sizes, including free business checking, credit cards, business loans and more. What’s more, if you’re a personal mortgage customer with us you won’t pay transaction or maintenance fees on the AIB current account you use to make mortgage repayments on the home you live in. If you’re thinking of switching your mortgage we have a great deal for you to think about. Registered  Office: 10 Molesworth Street, Dublin 2, Tel: +353 (0)1 6600311. Additional bonuses … It is listed on the London Stock Exchange and is a constituent of the FTSE 250 Index For further information please click the Home Mortgage Regulatory Information. Looking for a certain form you need to complete. Make changes to some details on your current mortgage, maybe change the date your mortgage is paid or the account it is paid from. We’ll pay it into the current account you use to pay the mortgage from even if that current account is with another bank. Business Banking has never been easier! 1.5 mins, Vincent's top tips Bank free of transaction and maintenance fees by paying your AIB mortgage from an AIB current account. And when you’re ready to chat we’ll help however we can, wherever it suits you. We’ve helped thousands of people buy their first home. The answer to your questions, in one place. Our practical advice can help you tackle money troubles, improve your financial habits and find the support you need. A Buy to Let mortgage is a loan secured against one of these properties. Registered in Ireland, company number 477742. 1995, Gráinne Quirke, Mobile Mortgage Manager, Wexford, Wicklow & Carlow, Get expert advice over the phone or in branch, A smart tool to manage your mortgage application. Moving your mortgage to AIB may give you more flexibility such as: Saving on monthly repayments Reducing your term Less paperwork. Your Mortgage Expert will tell you exactly what documents you need to give us, such as payslips, bank statements, credit card bills and proof of saving or gifts. To help cover your costs, we’ll pay you €2,000 straight into the current account you use to pay your mortgage within two months of switching, even if that current account is with another bank. Registered  Office: 10 Molesworth Street, Dublin 2, Tel: +353 (0)1 6600311. Competition and Consumer Protection Commission’s, over the phone - call us or ask us to call you back, or. You can choose this rate if you are buying or building a property in which you are going to live once it has a BER rating between A1 and B3. If you have a high energy rated home, we have a new lower rate of interest available for these homes. Judge approves PIA that will see woman (54) making mortgage repayments until she is 90 It is being regarded as an important test case in the area of personal insolvency. You can contact us in a number of ways. When you switch electricity supplier you will need your MPRN. To enter and activate the submenu links, hit the down arrow. You can contact us in a number of ways. If you are buying or building a high energy rated home, we are offering a new, lower rate of interest. That all means more money in your pocket. You don’t need any documents or deposit saved to chat to an expert. As a result, you could miss out on lower interest rates and lower repayments. Compare, Switch, Save. 1. The limits applied can vary so it’s important to talk to us as early as possible about your plans. 24173 Allied Irish Banks, p.l.c. If you can’t make it to a branch, we can come to meet you, so this may also be an option for you. Manage your mortgage, your way - apply to borrow more, switch to a new rate or get help if you’re concerned about your ability to make payments. Whichever you choose we have expert advisors to help you every step of the way. Fill in the enquiry form, find the relevant AIB phone number and location, or contact us on one of our social media channels. Talk to a mortgage expert, or apply now if you're ready to go. You may have the option to move to a lower LTV band as the loan to value on your current PDH mortgage reduces. Once you’ve saved your deposit you will need to show us that you can afford to keep repaying the mortgage. You can even manage your application on your mobile and desktop with My Mortgage where you can upload documents, see what you’ve to do next and chat to our team. AIB and AIB Group  are registered business names of Allied Irish Banks, p.l.c. THE shock announcement that Ireland is to lose another bank is a body-blow for consumers. Paying more into your mortgage account than you need to can help you pay less in the long term and could set you up to make underpayments. in your local branch, or arrange a video call. 1. €1,026.04 Monthly repayment. We've compiled all the forms and documents you may need, all in one place, to make it easy for you and for any changes regarding your mortgage. Terms of up to 35 years are available for First Time Buyers, Movers and Switchers to a maximum age of 70. Loan to Income (LTI) is the maximum amount a customer can borrow based on a multiple of their gross income. AIB will also pay the sum into the current account you use, even if it's with another bank. Credit card, checking and savings statements become available in Mobile and Online Banking on approximately the same date each month, depending on your statement closing date, though may vary by a day or two because of how many days are in a month (for example 28 in February vs. 31 in March) or U.S. bank holidays. A variable rate mortgage has a rate of interest which can change. We're here to help. Are you eligible for a lower LTV band on your current mortgage? Find out more about our Green 5 Year Fixed Rate. The calculation is based on limited information and does not consider your financial circumstances, for example, where you are on an existing fixed rate with your current mortgage provider you may have to pay a breakage fee. We have a guide to switching mortgages. The deal includes unlimited data, speeds of up to 100Mbps and free off-peak calls to Irish landlines. This calculator works out the monthly and overall savings you could make by switching your mortgage to the best available rate available to you. A Buy to Let property (sometimes referred to as 'buy to rent' or 'BTL') is a type of property investment, in which the investor becomes a landlord and rents out the property for profit. 2 mins. Switching mortgage; Value of property ... AIB. 24173 Allied Irish Banks, p.l.c. There’s plenty of reasons to talk to one of our Mortgage Experts about switching your mortgage. A fixed rate mortgage has a rate of interest which doesn’t change for a set period of time, so you know exactly how much you pay every month. Well, it could mean you saving on your monthly repayments or even reducing the time left on your mortgage. Registered in Ireland: Registered No. Thinking about borrowing more on your mortgage? Then you’ll know how much you have to spend on your new home. Switching your mortgage is a lot less hassle than you might imagine. Everything you need to know is here. Choose whatever suits you. Bear in mind though, your payments have to be up to date and your mortgage needs to have some equity in it, which means the balance is less than the value of the house. Read a guide, watch a video. For LTV fixed rates, the Annual Percentage Rate Charges (APRC)s may be higher or lower than the rate we show here, as we calculate them on the basis that the loan goes back to the LTV variable interest rate, based on the LTV interest rate band that applied to your mortgage loan during your fixed interest rate period (which may be higher or lower than the fixed rate) at the end of the fixed rate term. The amount you can borrow will depend on your individual circumstances and is subject to lending criteria, terms and conditions. We’ll give you €2,000 when you switch your mortgage to AIB to help cover your costs; we’ll pay it into the current account you use to pay your new mortgage within two months of your mortgage drawdown, even if that current account is with another bank. Pop into a branch, make an appointment on aib.ie or ask us to call you back when you can speak with one of our Mortgage Experts. Registered in Ireland: Registered No. The Paragon Banking Group PLC is one of the United Kingdom's largest providers of mortgages and personal loans. The AIB logo and AIB (NI) are trade marks used under licence by AIB Group (UK) p.l.c. 2. We offer different rates depending on that ratio. It refers to the ratio of your loan to the value of the property. Your original tracker rate will not be available to you. Although a fixed rate means your repayments cannot increase for a set period of time, your repayments will not fall during the fixed rate period. 3. T he revelation that KBC is exploring selling its loans to … We will always tell you in advance if it is going to go up or down and how your monthly repayment amount will change as a result. incorporated in Northern Ireland. Here's a rundown of the next steps you need to take... All the guides and forms you will need in one place. One Big Switch has a special offer with Eir.If you sign up for their broadband deal you will get €50 credit to your Eir account. All when it suits you. Your options when you have a mortgage with us. This calculator is for illustrative and guidance purposes only and is not an offer of a loan. Where you see LTV, it stands for Loan to Value. Take your time. Our mortgage top up might be the right option for you. This is a 7-digit number printed on your gas bill. We’ve helped lots of people switch to us. For variable rates, we calculate the Annual Percentage Rate Charges on the basis that the current rate will remain unchanged for the full term of the loan. If you’re switching gas suppliers they will need your GPRN. Fixed rates may cost more over the long run but they offer peace of mind as you know your repayments will not rise during the fixed rate period. ✔ Reducing your term ✔ Less paperwork. If you are buying or building a high energy rated home, we are offering a new, lower rate of interest. Attention A T users. There is also helpful, independent information about switching mortgages on the Competition and Consumer Protection Commission’s website. Once you have your deposit together, you can apply for a mortgage and receive an Approval in Principle. You can apply over the phone, or in a branch with one of our Mortgage Experts. Switching your mortgage is a lot less hassle than you might imagine. Find out more about our Green 5 Year Fixed Rate. We recommend you speak to an independent financial advisor before you make the switch. AIB and AIB Group  are registered business names of Allied Irish Banks, p.l.c. Hit enter to expand a main menu option (Health, Benefits, etc). With a fixed rate mortgage, your interest rate and monthly repayments are fixed for a set time as agreed between the lender and borrower. To access the menus on this page please perform the following steps. This is when we agree, in principle, to give you a mortgage, based on the information you’ve given us. The review was conducted in accordance with the Central Bank of Ireland Framework. Our Annual Percentage Rate Charges include valuation fees of €150 and €65 and a €60 security release fee (at the end of the mortgage term). AIB has completed a comprehensive review of customer mortgage accounts with regard to tracker rates. Compare with MoneySuperMarket to get the lowest rates We’ll make sure you’re on the right track from the start by helping you make a plan to get the deposit together. But remember it’s fixed for a certain time like three, five or seven years and if you change it before the end, we may charge you a fee. Paying off your mortgage is a big deal, and even if you’ve managed to pay down other debts in the past, nothing brings quite the same satisfaction as mortgage-free day. Don’t want to lose the Tracker Rate? If you have an existing tracker interest rate mortgage with AIB and you're thinking about moving there may be an option to suit you. With more than 200 branches, there's one near you, Before proceeding please read our Site Use Terms and Conditions, Privacy & Cookie statement which apply to your use of this website. 2.15% Fixed rate. What is a Buy to Let mortgage? Why would you want to go to all that effort of paperwork, solicitors and banks? If you don’t have it, you can get it by calling ESB Networks on 1850 372 757. Everything you need to know is here. bonkers.ie is a trading style of Bonkers Money Ltd. registered office Nutley Building, Nutley Lane, Dublin 4. A fixed rate makes it easier to budget for payments. This is an 11-digit number printed on your electricity bill. Loan to Value (LTV) is the amount you can borrow from us relative to the value of the property you're buying. COVID-19 Supports : If you expect your income to drop temporarily as a result of COVID-19 and believe you will be unable to make your mortgage repayments, we’ll do our best to help. If you break out of a fixed rate before that rate ends we may charge you a breakage cost. We’ve helped lots of people switch to us. We'll set you up with My Mortgage so you can upload documents, view tasks, and message our team. To help cover your switching costs, AIB will pay you €2,000 within two months of switching. Have an AIB Tracker Interest Rate Mortgage? Green 5 Year Fixed Rate >50% <80% LTV. In addition when you select a fixed rate option and you subsequently drawdown a mortgage on any fixed rate option we may charge you an early breakage fee. Moving your mortgage to AIB may give you more flexibility such as: ✔ Saving on monthly repayments Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. • Switch your mortgage to us and we’ll give you €2,000, • Find out how much you can save with our, • Get a competitive fixed, variable or green rate. Read a … Switching your mortgage If you have a tracker mortgage with another mortgage provider, you will lose it when you switch to us. Bank of Ireland – up to 3% cashback If you switch your mortgage to Bank of Ireland you’ll receive an unlimited 2% cashback on the total value of your mortgage. Now you don’t have to. There will be more conditions you’ll have to meet, but we’ll make these clear so you’ll know what else you have to do before we can lend you the money. How to Switch Energy Supplier. Use our Switcher Calculator to find out just how much you could save. They can take you through our competitive fixed and variable interest rates and work out exactly how much you could save by switching your mortgage to us. Manage your mortgage, your way - apply to borrow more, switch to a new rate or get help if you’re concerned about your ability to make payments. At the end of the LTV Fixed rate term, the LTV Fixed rate rolls on to the corresponding LTV variable interest rate band that applied to the mortgage loan during the Fixed rate period. Warning: If you change your loan from a tracker rate to a fixed interest rate, at the end of the fixed rate period, you will only have the options of a variable rate or another fixed rate. Fixed rate mortgages deals from 1.49% over 2 years, 2.34% over 3 years and 2.89% over 5 years. is regulated by the Central Bank of Ireland.Copyright Allied Irish Banks, p.l.c. 1995, What to do if your personal situation changes. You can choose between a fixed interest rate (including our new green rate), a variable, or a combination of both. Over the phone or in branch, we’ll take you through everything you need to know. Please switch auto forms mode to off. 2.15% Fixed rate. Fill in the enquiry form, find the relevant AIB phone number and location, or contact us on one of our social media channels. But if you do choose to have your current account with us our personal mortgage customers don’t pay transaction or maintenance fees on their AIB current account when they set up a direct debit to pay the mortgage on the home they live in. We have competitive Fixed and Variable interest rates. Find out about the mortgage options you can choose from when moving home, and see our exclusive rates and deals for home movers. Need more space, but don’t want to move? Before you start, if you are relying on any income support for COVID-19 from the Government or your employer, the best way to start your mortgage application to is call us or book an appointment with your local branch. To help cover your costs we’ll pay €2,000 into the current account you use to pay your new mortgage within two months of your mortgage drawdown, even if that current account is with another bank. Have you been dreaming of a bigger kitchen? Choose whatever suits you. Get a call from one of our mortgage experts, Before proceeding please read our Site Use Terms and Conditions, Privacy & Cookie statement which apply to your use of this website. is regulated by the Central Bank of Ireland.Copyright Allied Irish Banks, p.l.c. Talk to us now on web chat, over the phone, book an appointment with a Home Mortgage Expert in a branch, or we can come out to meet you. Our calculator does not take into account fees that may need to be paid when switching your mortgage, such as legal or valuation fees and does not include the €2,000 switching offer. If you're concerned that you won’t be able to make your mortgage payments, contact us right now to find out about the various ways we can help you.