Complete Guide to Getting a Mortgage with AIB (2025)

Are you considering a mortgage with AIB? This comprehensive guide walks you through everything you need to know about securing a home loan with one of Ireland’s largest banks.

AIB Mortgage Options

AIB offers several mortgage types:

• First-time buyer mortgages (up to 90% LTV)
• Mover mortgages (up to 80% LTV)
• Buy-to-let mortgages (up to 70% LTV)
• Switching mortgages (competitive rates available)

Current AIB Mortgage Rates (2025)

[Note: Since my knowledge cutoff is April 2024, you’ll want to update these with current rates]

• Fixed rates starting from 4.65%
• Variable rates from 4.15%
• Green mortgage rates available at reduced rates from 3%
• Cashback offers available on certain mortgages

How to Apply for an AIB Mortgage

1. Initial Steps
   • Use AIB’s mortgage calculator to estimate what you can borrow
   • Book a mortgage appointment online or in-branch
   • Gather required documents
2. Required Documentation
   • 6 months’ bank statements
   • 6 months’ payslips
   • P60 or Employment Detail Summary
   • Valid ID and proof of address
   • Savings evidence
   • Gift letter (if applicable)

AIB Mortgage Benefits

• Online mortgage application tracking
• Dedicated mortgage advisor
• AIB mobile app for easy management
• Flexible overpayment options
• Option to take payment breaks

AIB Mortgage Application Timeline

1. Initial application
2. Document submission
3. Approval in Principle (usually within 2-3 working days)
4. Full mortgage approval
5. Loan offer
6. Drawdown

Tips for Success

• Check your credit score before applying
• Save consistently for at least 6 months
• Clear any outstanding loans if possible
• Maintain regular employment
• Avoid large purchases before applying

Contact AIB

• Phone: 0818 24 44 25
• Website: www.aib.ie
• Request Callback here

Next Steps

Ready to start your mortgage journey with AIB? Begin by using their online calculator and booking an appointment with a mortgage advisor.

Need more mortgage advice or information about other lenders? Explore our other guides on MortgageBible.ie.

Remember to:

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