Thinking of 'Putting Down Roots'? Click on one of the options below, or call us on 1890 242 425 to talk to us today.

Still Researching? Why not visit our Online Calculator to see how much you could borrow and you can also Apply Online

We have the right kind of Mortgage for you, whatever stage you’re at.

Whether you are buying your first home, moving home, or interested in an investment property, our expert team of mortgage advisors will help you ‘put down roots’. 


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    Features and Benefits

    Why choose AIB for your First Time Buyer mortgage?

    • We’ll help you with the homework so you can focus on finding your new home.

    • Competitive interest rates for owner occupiers including Variable (relative to your Loan to Value)and Fixed. You can view our current mortgage rates here.

    • As a First Time Buyer you will require a deposit of at least 10%. AIB can offer 90% Loan to Value on Mortgages up to €220,000 and over this amount 80% Loan to Value is available to you (75% for one bed apartments).

    • 3 months’ deferred start option available, subject to approval.

    • Repayment terms of up 35 years may be available to you.

    •  A Mortgage Advisor to guide you through the process.

    Additional Features and Benefits

    • No Fees – From the 29th August 2015, when you drawdown a new AIB PDH (private dwelling house) mortgage with us, we’ll waive the maintenance and transaction fees on the AIB Personal current account you use to pay your mortgage. All you need to do is set up your direct debit from an AIB Personal Current Account within 12 months of mortgage drawdown.

    • 30% discount on Home Insurance for all First time Buyers if you have been claim free for 3 years*.

    • Consultation with an AIB financial advisor, which includes an assessment of your life insurance, specified illness and income protection options.

    • You can apply for a Low-cost finance Masterplan Account to help you manage your monthly bills.


    *Discounts are applied on a reducing balance and a minimum premium amount of €157.50 applies.

    How it works

    • You will need to be over 18 and security will be required before you can obtain a mortgage

    • What you can borrow will also depend on what you can comfortably afford to repay monthly, this typically should not exceed 35% of your disposable income, however this may vary according to 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 breakage cost payable to Allied Irish Banks plc., and/or AIB Mortgage Bank.

    • You will require Mortgage Protection Insurance which can be arranged via AIB or you may purchase this through another Insurance company.

    • Keep in mind you will also need money for Valuation fees (You will need to use a valuer from the AIB Residential Mortgage Valuers panel , Legal fees maybe a Surveyor and Stamp Duty. Not forgetting  possible repairs and decoration on your new home.

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    Home Mortgage Regulatory Information

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Allied Irish Banks, p.l.c. is an authorised agent and servicer of AIB Mortgage Bank in relation to origination and servicing of mortgage loans and mortgages.  AIB Mortgage Bank is regulated by the Central Bank of Ireland.

Warning: If you do not keep up your repayments you may lose your home.

Warning: You may have to pay charges if you pay off a fixed-rate loan early.

Warning: The cost of your monthly repayments may increase.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.