YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

First Time Buyer?

Up to £500 cashback* for 5 year Green fixed rates

* Applies to new lending only - cashback is payable within one month of draw down, subject to the loan not being redeemed during that time. Cashback applies as follows: 5 Year Fixed Green mortgage - £500.  Some exclusions apply: Further Advances and loans less than £100,000.

Let us help you get ‘mortgage ready’

You’ve decided to buy your first home. It’s an exciting time and also a big decision, but that doesn’t mean it has to be difficult. Just speak to us about your first mortgage and we’ll help you get ‘mortgage ready’.

Features and Benefits

  • Great mortgage rates.

    5 Year Green Mortgage (Fixed rate until 31 May 2028)

    Minimum deposit (% of property price) Initial fixed interest rate Interest rate following the fixed interest term The overall cost for comparison Early repayment charge
    40% 3.99% The Bank's standard variable rate, currently 6.75% 5.83% APRC If the mortgage is repaid or reduced within the fixed rate period, an early repayment charge will apply.
    25% to 39% 3.99% 5.82% APRC
    20% to 24% 4.05% 5.85% APRC
    15% to 19% 4.24% 5.94% APRC
    10% to 14% 4.79% 6.23% APRC
    5% to 9% 5.79% 6.76% APRC

    2 Year Green Discount Standard Variable Rate

    Minimum deposit (% of property price) Initial fixed interest rate Differential to our Standard Variable Rate Interest rate following the fixed interest term The overall cost for comparison Early repayment charge
    40% 4.69% -2.06% The Bank's standard variable rate, currently 6.75% 6.79% APRC N/A
    25% 4.86% -1.89% 6.82% APRC N/A
    20% 4.86% -1.89% 6.81% APRC N/A
    15% 5.34% -1.41% 6.93% APRC N/A
    10% 6.09% -0.66% 7.12% APRC N/A

    • 5% minimum deposit above applies to property values of up to £250,000, then 10% minimum deposit is applicable to properties valued up to £750,000. The minimum deposit for properties over £750,000 is 20%.Free valuation for switchers and first time buyers.
    • 10% minimum deposit above applies to New Build properties.

Features and Benefits

Talk to Us

Speak with a mortgage adviser today. They’ll explain exactly what’s involved, and answer any of your questions.
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Mortgage Rates

Mortgage rates

First Time Buyer Repayment Calculator

Find out what a monthly mortgage payment is likely to be based on the mortgage amount, term and interest rate you input below. To view our current mortgage rates, click here .

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This calculator is for illustrative purposes only and is not a mortgage offer or a commitment to lend.

Mortgage amount (£)
Term (years)
Interest rate (%)

Estimated monthly repayment

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This is based on capital and interest repayment mortgage and is for illustrative purposes only. Interest rates are subject to change.

If you want to find out more information on our mortgages or want to apply, call us on 028 9082 1655 or request a callback . Mortgages are subjected to an appraisal of the applicant’s financial standing.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgage Affordability Calculator

Want to check if you can afford a mortgage? Why not use our Mortgage Affordability Calculator.

Start

Representative example

  • Loan value: £164,730

  • Loan term: 31 years

  • Loan Type: Fixed rate for 5 years, reverting to standard variable rate for the remaining term

  • Initial monthly repayments: £813.83, followed by a repayment of £1035.90 for the remaining term

  • Fixed rate: 4.34% for 5 years

  • Standard variable rate: currently 6.75%

  • APRC (annual percentage rate of charge): 6.14%

  • Number of monthly instalments: 372

  • The following fees are included in the calculation for this example:

    • Funds transfer fee, £30;

    • Mortgage exit fee, £55;

If the rates do not vary during the term of the mortgage, the total cost of credit (the total amount repayable less the amount of the mortgage) would be £207,388.72 This means that the borrower would have to pay a total amount of £372,118.72. Home insurance is required.

Help and guidance

General Information about AIB (NI) Mortgages

Frequently asked questions
Whatever your mortgage question, you can bank on us

Tariff of Mortgage Charges
Your mortgage fees and charges explained

Important information

AIB (NI) reserves the right to withdraw or amend products at any time. Loans are granted subject to an appraisal of the applicant's financial standing. Applicants must be 18yrs or over. For properties based in Northern Ireland, the minimum mortgage amount is £25,000.  For properties based in England, Scotland or Wales, the minimum mortgage amount is £150,000 and applications will be accepted from PAYE employees only.  Lending criteria, terms and conditions apply. An independent valuation will be required. Your mortgage will be secured against the mortgaged property. Other security may be required. Primary residence only.