AIB Mortgage Interest Rates as of January 2025

AIB currently offers various mortgage options with rates varying based on loan-to-value (LTV) ratios and fixed terms ¹:

Green Mortgages – Best Rates Available:

• GreenA 3 Year Fixed rates start from 3.00% for LTV ≤50% ¹
• Green 2 Year Fixed rates from 3.15% for LTV ≤50% ¹
• Green 5 Year Fixed rates from 3.20% for LTV ≤50% ¹

Standard Variable Rates:

• 3.75% for LTV ≤50%
• 3.95% for LTV >50% ≤80%
• 4.15% for LTV >80% ¹

Fixed Rate Options:

• 1-10 year fixed rate options available
• Rates start from 4.40% for 1-year fixed (LTV ≤50%)
• 10-year fixed rates range from 5.05% to 5.30% depending on LTV ¹

High Value Mortgage Option:

• Special 4-year fixed rates available for mortgages of €250,000 or more
• Rates from 3.70% for LTV ≤50% ¹

Important Notes:

• The highest interest rate on the market is currently more than double the lowest available rate ²
• For a €350,000 mortgage over 30 years at 3% rate, first-year interest would be approximately €10,400 ²
• Fixed rates are influenced by longer-term interest rate outlooks, and rates may change as we progress through 2025 ⁶

For all mortgages, AIB includes valuation fees of €150 and €65, plus a €60 security release fee at the end of the mortgage term in their Annual Percentage Rate Charges calculations ¹