Last updated: February 2025
AIB (Allied Irish Banks) continues to be one of Ireland’s leading mortgage providers in 2025. In this comprehensive guide, we’ll break down AIB’s current mortgage rates and help you understand your options.
Current AIB Fixed Mortgage Rates (as of February 2025)
For mortgages with Loan-to-Value (LTV) ratio between 50% and 80%:
- 1-year fixed rate: 4.55%
- 2-year fixed rate: 4.60%
- 3-year fixed rate: 4.70%
- 4-year fixed rate: 4.75%
- 5-year fixed rate: 4.80%
- 7-year fixed rate: 5.05%
- 10-year fixed rate: 5.20%
AIB Variable Mortgage Rates
Current variable rate (LTV 50-80%): 3.95%
Green Mortgage Rates
AIB offers competitive green mortgage rates for energy-efficient homes (BER rating of B3 or better):
- 2-year fixed green rate: 3.25%
- 3-year fixed green rate: 3.10%
- 5-year fixed green rate: 3.30%
Special High-Value Mortgage Rate
- 4-year fixed high-value mortgage rate (LTV 50-80%): 3.85%
Key Features of AIB’s 2025 Mortgage Offerings
- Competitive green mortgage rates starting from 3.10%
- Special high-value mortgage options
- Flexible terms from 1 to 10 years
- Variable rate options for those seeking flexibility
How to Get the Best AIB Mortgage Rate
- Consider green mortgage options if your home qualifies (BER B3 or better)
- Maintain an LTV ratio between 50-80%
- Compare different fixed-rate terms
- Explore high-value mortgage options if applicable
- Speak with an AIB mortgage advisor
