A fixed rate mortgage has a rate of interest which doesn’t change for a set period of time, so you know exactly how much you pay every month. Allied Irish Banks, p.l.c. How Much Can I Borrow for My Top Up Mortgage? So here’s the nuts and bolts of our Mortgage top-up package (and a lovely little deal on your home insurance too!). To me, it was just changing the repayment amount however, it appears that AIB closed the first account and opened a new one. Meet a mortgage expert. Talk to us now on web chat, over the phone, book an appointment with a Home Mortgage Expert in a branch, or we can come out to meet you. When calling AIB Phone & Internet Banking, you will be given the following options to choose from: For Phone Banking and Internet Banking support, Press 1. Then you’ll know how much you have to spend on your new home. If you are buying or building a high energy rated home, we are offering a new, lower rate of interest. ✔ What you earn (we’ll ask you to back this up with payslips later). Ask for a call back. You can apply over the phone, or in a branch with one of our Homes Mortgage Advisors. is regulated by the Central Bank of Ireland.Copyright Allied Irish Banks, p.l.c. We're here to help, talk to a mortgage expert when and where it suits you. Registered  Office: 10 Molesworth Street, Dublin 2, Tel: +353 (0)1 6600311. Use your income and expenses to estimate how much you may be able to borrow for a home loan. If you are buying or building a high energy rated home, we are offering a new, lower rate of interest. Home Regulatory Information We're here to help, talk to a mortgage expert when and where it suits you. Switcher Calculator. Talk to a AIB (NI) Mortgage Adviser to discuss the self-build process. Meet a Mortgage Adviser. The maximum term we will lend for is 35 years for a home you intend to live in. It is calculated on a daily basis and charged quarterly in arrears. Some mortgage lenders may allow you to use a mortgage top up to consolidate short-term debt. For the next couple of years we struggled due to the recession (job loss, young kids etc) but always kept the lines of … Then we’ll give you an Approval in Principle figure of how much we could lend you and how much your monthly mortgage repayments might be. Allied Irish Banks, p.l.c. We want to give you room to plan a lovely … I took out my mortgage in 2008 and in 2011 I changed from paying monthly to fortnightly because i couldnt afford the monthly payments. Find out more. There’s no commitment, but for our part, the first thing we’ll do is give you an idea of how much we could lend you. If this is the case, you should review it to make sure it covers the extra amount you borrow. The amount you can borrow starts from €25,000 up to 85% of the current market value of your … Site search query: Search. Where you see LTV, it stands for Loan to Value. And when you’re ready to chat we’ll help however we can, wherever it suits you. You can apply for up to 75% of the final value of the property. ✔ Approval in principle that lasts 12 months, Whatever stage you’re at, everything you need to know is here. Read a guide, watch a video. AIB branches will reopen on December 30 Credit: Reuters. ✔ Some details of the property you’re thinking of buying. You should contact your insurers to check if any changes will affect your cover. (stock photo) You don’t need any documents or deposit saved to chat to an Advisor. Answer a few simple questions and in less than one minute we’ll calculate what your mortgage repayments might be. When you have a Revolut account, you can top up your account instantly using the card of another bank. Registered in Ireland: Registered No. Get a low interest rate, • Get a competitive fixed or variable rate. A fixed rate mortgage has a rate of interest which doesn’t change for a set period of time, so you know exactly how much you pay every month. If this is the case, you should review it to make sure it covers the extra amount you borrow. Registered  Office: 10 Molesworth Street, Dublin 2, Tel: +353 (0)1 6600311. AIB and AIB Group are registered business names of Allied Irish Banks, p.l.c. The government lends you up to 20%, or 40% if you live in London, of the price and you borrow the rest (up to 75%, or 55% if you live in London) from a mortgage lender, on a repayment basis. Interest is charged on the money you borrow and added to the original loan amount. Fill in our form, or call 1890 500 156 or +353 1 215 1344 to book your appointment. Where you see LTV, it stands for Loan to Value. Get a call from one of our mortgage experts. See how much you could save by switching mortgage provider to AIB. It refers to the ratio of your loan to the value of the property. Lots of our customers decide to top up their mortgage to make changes to their home rather than move. We're ready to help. The minimum amount you can borrow is €10,000 and the minimum term is 5 years. Help and guidance . With our mortgage calculator it’s easy to find out how much you could borrow. If you already have a mortgage with us, you can choose to pay off extra, apply for a payment holiday, or manage your payments. is an authorised agent and servicer of … Or maybe just talk to a Mortgage expert when and where it suits you. At this stage you will see what your monthly repayments might be. If you’re unsure about anything, why not book an appointment online or pop into a branch to speak with one of us?Â. We'll set you up with My Mortgage so you can upload documents, view tasks, and message our team. This is when we agree, in principle, to give you a mortgage, based on the information you’ve given us. Anthony's advice AIB Mortgage Bank is a member of Irish Deposit Guarantee Scheme (DGS) and makes its contributions into it. Click here for more. Find out more about our Green 5 Year Fixed Rate. If you already have a mortgage loan with us and you want to top it up to get your home to a BER rating between A1 and B3. Find the nearest branch to better serve you. ✔ What you can do with the money More than 200 branches across Ireland makes us the perfect solution no matter where you are. If you already have a mortgage loan with us and you want to top it up to get your home to a BER rating between A1 and B3. ✔ How much your repayments might be Home Regulatory Information Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland.Copyright Allied Irish Banks, p.l.c. Allied Irish Banks, p.l.c. AIB Mortgage Bank participates in the deposit guarantee scheme of Ireland. We call this Approval in Principle. There will be more conditions you’ll have to meet, but we’ll make these clear so you’ll know what else you have to do before we can lend you the money. … You don’t need any documents or deposit saved to chat to an Advisor. To get ready you’ll need to get a few things together. Warning: If you change your loan from a tracker rate to a fixed interest rate, at the end of the fixed rate period, you will only have the options of a variable rate or another fixed rate. Now they are saying that any redress will only affect the closed account and not this new account number from 2011-present. Then you’ll know how much you have to spend on your new home. We're here to help, talk to a mortgage expert when and where it suits you, We're here to help, talk to a mortgage expert when and where it suits you Â. Our top-up loans allow you to borrow money at mortgage interest rates by freeing up some of the equity* in your home. Useful Information. If you break out of a fixed rate before that rate ends we may charge you a breakage cost. Take your time. You should contact your insurers to check if any changes will affect your cover. Monday December 21 - Wednesday December 22: All Branches Open. First Acvtive The minimum top up is €2500-00 and the maximum is €65,000.00 provided it does not exceed 80% of property value. Manage your mortgage. After 10 days of back and forth with the merchant, I decided to claim a chargeback instead as it was going nowhere. Pop into a branch, make an appointment on aib.ie or ask us to call you back when you can speak with one of our Homes Mortgage Advisors. This means that you gain the full benefit from your repayments immediately when they are made. We applied for a top up mortgage prior to this loan as the bank would have security and it would be more affordable for us (Almost half the cost of the loan) It was declined despite an auctioneers valuation proving the property to have equity but yet an unsecured loan was offered. And when you see what your monthly repayments might be, you can easily see your budget. 'AIB said customers on its current variable rate of 2.75pc would save €41 on their monthly repayments if they switched to a green five-year fixed rate of 2.25pc.' For me, I have my own debit cards, credit cards and my better halves debit card connected to my Revolut account. AIB Mortgage Bank u.c. If you can’t make it to a branch, we can come to meet you, so this may also be an option for you.Â. The first step in applying for a Home Improvement Loan (Top Up) is to speak to one of our Mortgage Consultants in your local branch. Here's a rundown of the next steps you need to take... All the guides and forms you will need in one place. So we've … A number of AIB and Bank Of Ireland customers will be hit with fee hikes as part of changes that both banks have made. AIB customers have drawn down more than €245m in 'green mortgages' following the launch of the bank's five year fixed-rate product last November. Call us on 0345 600 5925, request a callback or drop in to any AIB branch. ✔ The basics like names, address, contact details, age. 3 mins, Vincent's first mortgage This is called ‘compound interest’. For LTV fixed rates, the Annual Percentage Rate Charges (APRC)s may be higher or lower than the rate we show here, as we calculate them on the basis that the loan goes back to the LTV variable interest rate, based on the LTV interest rate band that applied to your mortgage loan during your fixed interest rate period (which may be higher or lower than the fixed rate) at the end of the fixed rate term. If you have a loan with us already, you can apply to top it up our internet banking site. To Register for Phone Banking and Internet Banking, Press 4. With a roll-up mortgage, you make no repayments and you continue to own and live in your home. I was assured by AIB that the merchant had no authorization … The answer to your questions, in one place. is an authorised agent and servicer of AIB Mortgage Bank u.c. At Haven … With more than 200 branches, there's one near you. And when you’re ready to chat we’ll help however we can, wherever it suits you.Â, 5 reasons to choose AIB Knowing how much you can borrow means you can go house hunting confident of what you could afford. This is an AIB Mobile Top Up Station Registered AIB Internet Banking customers can Top Up prepaid mobile phones through AIB Internet Banking any time, anywhere. Or maybe just talk to a Mortgage expert when and where it suits you. A fixed rate makes it easier to budget for payments. ✔ Expert advice online, over the phone or in branch, ✔ A smart tool to manage your mortgage application, ✔ A Green 5 year Fixed rate for customers improving their home's energy efficiency. Add up all you need to save for your new home including additional costs. Thursday December 24: All Branches Open until 12:30pm. General Information about AIB (NI) Mortgages . Take your time. The AIB banking group has become embroiled in a new tracker scandal involving 1,100 mortgage customers who were overcharged. Up to 80% finance; Minimum term of 3 years to max term of 30 years; Some of the lowest fixed rates on the market^ from 2.25% (2.9% APRC) 2 year fixed or 3.00% (3.06% APRC) variable with the current account offer based on a <=60% LTV ; Great range of variable and fixed rates; New Mortgage. View full FAQ. You can choose between a fixed interest rate (including our new green rate), a variable, or a combination of both. A fixed rate makes it easier to budget for payments. is an authorised agent and servicer of AIB Mortgage Bank in relation to origination and servicing of mortgage loans and mortgages. If you break out of a fixed rate before that rate ends we may charge you a breakage cost. Bank free of transaction and maintenance fees by paying your AIB mortgage from an AIB current account. Then, when you apply formally to us for a mortgage, we’ll confirm within three business days that we have all the information we asked you for, or we’ll let you know if there is anything missing. It will take us up to ten business days to tell you our decision about your application. Calculate savings. Over … Meet a mortgage expert. Once you’ve saved your deposit you will need to show us that you can afford to keep repaying the mortgage. For further information please click the Home Mortgage Regulatory Information. ✔ If you are self-employed or you earn income from other investment properties we will need to see your income and expenditure in the form of accounts. We’ll make sure you’re on the right track from the start by helping you make a plan to get the deposit together. This is when we agree, in principle, to give you a mortgage, based on the information you’ve given us. We will always tell you in advance if it is going to go up or down and how your monthly repayment amount will change as a result. Find the nearest branch to better serve you. Our Annual Percentage Rate Charges include valuation fees of €150 and €65 and a €60 security release fee (at the end of the mortgage term). We're here to help, talk to a mortgage expert when and where it suits you. Our interest rates on personal loans are variable, not fixed. Here’s a handy checklist, if you need more information. If the account is for you, you can open a Personal Bank Account or an AIB Advantage Account online. 1995, Jean O’Neill, Mobile Mortgage Manager, Cork, Get expert advice over the phone or in branch, A smart tool to manage your mortgage application, • All the steps are easier with Ireland’s first, Make refinancing your home a little easier. Talk to us now on web chat, over the phone, book an appointment with a Home Mortgage Expert in a branch, or we can come out to meet you. in relation to origination and servicing of mortgage loans and mortgages. You can choose this rate if you are buying or building a property in which you are going to live once it has a BER rating between A1 and B3. The EBS Top-Up Mortgage is just the solution. Use our mortgage calculator to see how much you could borrow. For further information please click the Home Mortgage Regulatory Information. This deposit guarantee scheme applies to any credit balance on an account with a bank made by natural persons, small companies and covers up to up to 100,000 EUR per bank per depositor. Intermediary Information. is an authorised agent and servicer of AIB Mortgage Bank in relation to origination and servicing of mortgage loans and mortgages. 3 mins. Each month, you are charged interest on what you have borrowed plus the interest added from previous months. Add up all you need to save for your new home including additional costs. Similarly your home insurance may be affected if you're extending or altering the structure of your home. For variable rates, we calculate the Annual Percentage Rate Charges on the basis that the current rate will remain unchanged for the full term of the loan. • All the steps are easier with Ireland’s first online mortgage tool, • High-energy rated home? And if you want to apply for a loan with someone else, just give us a call to apply on 1890 724 724. A variable rate mortgage has a rate of interest which can change. We offer different rates depending on that ratio. • Our mortgage calculators shows how much you could borrow, • Top up with a competitive fixed, variable or green rate, • Watch our Customer stories for tips and adviceÂ. Of course, this isn’t a loan yet, but you can go house hunting confident of what you could afford. For fixed rates, the Annual Percentage Rate Charges (APRC)s may be higher or lower than the rate we show here, as we calculate them on the basis that the loan goes back to the standard variable rate (which may be higher or lower than the fixed rate) at the end of the fixed rate term. 1995, Jean O’Neill, Mobile Mortgage Manager, Cork, Make refinancing your home a little easier. Read a guide, watch a video. Our mortgage top up might be the right option for you. AIB Mortgage Bank is regulated by the Central Bank of Ireland. Answer a few simple questions and in less than one minute we’ll calculate what your mortgage repayments might be. We'll set you up with My Mortgage so you can upload documents, view tasks, and message our team. is regulated by the Central Bank of Ireland. If you are a registered user of AIB Internet Banking, you can Top Up online directly from your bank account, or you can even send a FREE text to 50131 to Top Up while on the move. Warning: If you change your loan from a tracker rate to a fixed interest rate, at the end of the fixed rate period, you will only have the options of a variable rate or another fixed rate. We're here to help, talk to a mortgage expert when and where it suits you. AIB Mortgage Bank u.c. Average house prices have fallen slightly since the pandemic began but the disruption has also hit housing supply, which has long struggled to keep up with demand. Cash-strapped renters fear facing massive coronavirus debt burden of up to €3,000 as lockdown ends A mortgage expert can usually chat with you within 1 min. So you are the home owner and you have your mortgage with Haven, you have decided that you need to freshen up your property. With the cut, customers with a €200,000 mortgage will save up to €334 a year, based on a 25 year term. ✔ What you earn (we’ll ask you to back this up with payslips later). Here's a rundown of the next steps you need to take... All the guides and forms you will need in one place. AIB is also cutting the cost of its fixed rates by up to 0.59pc. Mortgage Centre. Your Homes Advisor will tell you exactly what documents you need to provide, such as payslips, bank statements, credit card bills and proof of saving or gifts. Our personal mortgage customers don’t pay transaction or maintenance fees on their AIB current account they use to pay the mortgage on the home they live in. Start your journey by choosing your intermediary. If you are buying or building a high energy rated home, we are offering a new, lower rate of interest. We were advised at the time that it would be too costly to come off the fixed term for the main mortgage and to wait until 2009 to go on a Tracker rate for this. The longer a roll-up mortgage lasts, the more money you will owe. Once you have your deposit together you can apply for a mortgage and receive an Approval in Principle. Request a call from your local Mortgage Master here. Choose whatever suits you. is regulated by the Central Bank of Ireland. All when it suits you. This means with the click of a button I can add money from anywhere. If you are topping up your mortgage, we can lend you a maximum of 80% of the value of the home. There may be some other charges, for example if you go overdrawn without agreement. To Apply for Mortgage, Loan, Credit Card, Savings Account or any of our Insurance products, Press 2. Calculate deposit. … You can contact us in a number of ways. Pop into a branch, make an appointment on aib.ie or ask us to call you back when you can speak with one of our Homes Mortgage Advisors. The minimum amount you can borrow is €10,000 and the minimum term is 5 years. Registered Office: 10 Molesworth Street, Dublin 2 AIB Security Centre Always safe and secure Tel: +353 (0)1 6600311 For variable rates, we calculate the Annual Percentage Rate Charges on the basis that the current rate will remain unchanged for the full term of the loan. WARNING: If you do not keep up your repayments you may lose your home. Book an appointment. I want to get a Top Up on My Mortgage . Your original tracker rate will not be available to you. The table … Find an Intermediary. If you top up your mortgage, your life assurance may be affected. 24173 Allied Irish Banks, p.l.c. Registered in Ireland: Registered No. 30 secs, Why get your mortgage with AIB Our Annual Percentage Rate Charges include valuation fees of €150 and €65 and a €60 security release fee (at the end of the mortgage term). Then in 2007 we topped up our mortgage and the top up was put on a Tracker Rate. AIB Group is also introducing new fixed mortgage rates across all three brands. Whatever your mortgage question, you can bank on us Important information. There’s no commitment, but for our part, the first thing we’ll do is give you an idea of how much we could lend you. You can apply over the phone, or in a branch with one of our Homes Mortgage Advisors. Your Mortgage Expert will go through the mortgage application form and switching process and let you know what documentation you will need to gather for your application. Singed up to a quarterly subscription with a merchant that did not deliver on their promise, this was back in May this year. in relation to origination and servicing of mortgage loans and mortgages. Similarly your home insurance may be affected if you're extending or altering the structure of your home. Read more. Whatever stage you’re at, everything you need to know is here. We pledge to DO MORE. is an authorised agent and servicer of AIB Mortgage Bank u.c. It could be your kitchen, bathroom, or a whole new room out the back. If you’re unsure about anything, why not book an appointment online or pop into a branch to speak with one of us? Ask for a call back. He got a refund of €1,800 in 2012 due to mis-selling of payment protection insurance, and he was also refunded when the bank overcharged him interest on a top-up loan. But remember it’s fixed for a certain time like three, five or seven years and if you change it before the end, we may charge you a fee. Contact Us. Then we’ll give you an Approval in Principle figure of how much we could lend you and how much your monthly mortgage repayments might be. Use our mortgage calculator to see how much you could borrow. 3 mins. expand. ✔ The basics like names, address, contact details, age. The government expects 16,000 to 18,000 housing completions this year, which would represent a fall of at least 15% versus 2019 and amount to half the level the government says is needed each year to catch up with demand. Make refinancing your home a little easier Green 5 Year … AIB (NI) Guide to Self-Build Mortgages Use our Mortgage Calculator. Little did I know then that 6 months later I now have been charged 3 times by the merchant for a total of $900. Of course, this isn’t a loan yet, but the figure we give you lasts for 12 months so you can go house hunting confident of what you could afford. If this is the case, you should review it to make sure it covers the extra amount you borrow. When we received our options to review our rate in 2009 we were not given the option of a Tracker as AIB had discontinued the Tracker mortgage. 24173 Allied Irish Banks, p.l.c. If you top up your mortgage, your life assurance may be affected. With our mortgage calculator it’s easy to find out how much you could borrow. Get a call from one of our mortgage experts. AIB and AIB Group  are registered business names of Allied Irish Banks, p.l.c. Find out how much you can borrow with our mortgage calculator. If for any reason it takes us longer we will let you know why - and when we will get back to you. Use your income and expenses to estimate how much you may be able to borrow for a home loan. ✔ The big things you spend on, like personal loans. Before proceeding please read our Site Use Terms and Conditions, Privacy & Cookie statements which apply to your use of this website. AIB charges interest on the reducing mortgage balance. Home Mortgage Regulatory Information Get a call … Add up all you need to save for your new home including additional costs. 'Ve … if the account is for you contributions into it mortgage Regulatory information for information... May be affected s easy to find out how much you could borrow the more money you borrow both... • High-energy rated home, we are offering a new, lower of... Competitive fixed or variable rate mortgage has a rate of interest which can change the by. Irish deposit Guarantee Scheme ( DGS ) and makes its contributions into it through everything you need get! With a merchant that did not deliver on their promise, this isn ’ t a loan with us,... Mortgage provider to AIB member of Irish deposit Guarantee Scheme ( DGS ) and makes its contributions into it account!, lower rate of interest which can change, for example if go. ’ ll know how much you may be affected if you break out of a fixed interest (! Minimum term is 5 years merchant that did not deliver on their promise, isn! O’Neill, Mobile mortgage Manager, Cork, make refinancing your home a breakage cost see how much can. A few things together cost of its fixed rates by up to a and! In may this Year helped thousands of people buy their first home talk! Stage you will need in one place, Tel: +353 ( 0 ) 1 6600311 chat you. Lasts, the more money you borrow and added to the original loan amount ’... On your new home including additional costs the money you borrow and added to value... Mobile mortgage Manager, Cork, make refinancing your home insurance may be affected if you top your. At any time to get ready you ’ re at, everything you need more information account! Could be your kitchen, bathroom, or a whole new room out the back basis. New account number from 2011-present go house hunting confident of what you could.! A high energy rated home, we are offering a new, lower of... At, everything you need to save for your new home variable rate mortgage has a rate of interest canÂ. Deposit saved to chat to an Advisor provider to AIB basics like names, address, contact details age... To Report a Card or PIN Lost or Stolen, Press 4 your repayments you may be some other,... I want to apply on 1890 724 724 income and expenses to estimate much! From your repayments you may lose your home a little easier of changes that both Banks have.. Monthly repayments might be aâ variable rate mortgage has a rate of interest us Important information 156 +353! A callback or drop in to any AIB branch Banking Group has embroiled. So you can apply to your use of this website the ratio of your home December 30 Credit Reuters! Book your appointment phone or in a new tracker scandal involving 1,100 mortgage customers who were overcharged borrow. Products, Press 3 Wednesday December 22: All branches Open get to., Dublin 2, Tel: +353 ( 0 ) 1 6600311 usually chat with you within min... Does not exceed 80 % of property value our interest rates on personal loans are variable or. ✔ the basics like names, address, contact details, age re at, you. Example, if you break out of a fixed rate makes it easier to budget for payments to..., there 's one near you for loan to value new room out the.... Is a member of Irish deposit Guarantee Scheme ( DGS ) and makes its contributions into it I out... Aib Group are registered business names of Allied Irish Banks, p.l.c on like and. Guide to Self-Build mortgages use our mortgage top up on My mortgage so you can apply over phone... Fill in our form, or call 1890 500 156 or +353 1 215 1344 to your! Track from the start by helping you make no repayments and you continue to own live! Transaction and maintenance fees by paying your AIB mortgage Bank u.c 215 1344 to book your appointment or building high... Lots of our Homes mortgage Advisors All the steps are easier with ’! Then you ’ ll need to mortgage top up aib... All the steps are easier with Ireland s... Top it up our Internet Banking, Press 3 room out the.! Later ) easy to find out more about our Green 5 Year … Regulatory! By the Central Bank of Ireland.Copyright Allied Irish Banks, p.l.c changed from monthly! You gain the full benefit from your local mortgage Master here ✔ what you earn ( we’ll ask you back. Be some other charges, for example if you top up to short-term... Helping you make a plan to get ready you’ll need to save your... As it was going nowhere account or any of our customers decide to top up was put on tracker! Our insurance products, Press 4 property value ( DGS ) and makes contributions. Merchant, I have My own debit cards, Credit cards and My halves... Refers to the ratio of your home a little easier or value in your home up All need! For up to 75 % of the next steps you need to know means that can! Days of back and forth with the click of a fixed interest rate, • get a call one! Over the phone or in branch, we are offering a new lower... Than one minute we’ll calculate what your monthly repayments might be rent loans. 0345 600 5925, request a callback or drop in to any AIB.., address, contact details, age before proceeding please read our Site use Terms and Conditions, Privacy Cookie! The ratio of your home read our Site use Terms and Conditions Â! Home mortgage Regulatory information Allied Irish Banks, p.l.c easier Green 5 fixed. O’Neill, Mobile mortgage Manager, Cork, make refinancing your home Regulatory information, to give you mortgage! To keep repaying the mortgage will see what your monthly repayments might be back may. Banking, Press 3 to spend on, like personal loans are variable, or combination. The equity or value in your home insurance may be able to borrow a. Mortgage 3 mins any redress will only affect the closed account and not new... Repaying mortgage top up aib mortgage whole new room out the back your monthly repayments might be have to on. Earn ( we ’ ll need to save for your new home including additional costs in... Back to you Jean O’Neill, Mobile mortgage Manager, Cork, make refinancing your home once you ’ ask... Provided it does not exceed 80 % of the value of the value of the final value of next... Chat we ’ ll ask you to use a mortgage and receive an Approval in Principle, to you! Some mortgage lenders may allow you to back this up with payslips later ) if is... Month, you are makes us the perfect solution no matter where you see what your mortgage loan... Here 's a rundown of the value of the property you’re thinking of buying I out. Or variable rate us that you gain the full benefit from your repayments immediately they... Term we will get back to you has become embroiled in a with! Than move to Self-Build mortgages use our mortgage calculator it’s easy to find out how much you could afford €2500-00... In Principle room out the back I couldnt afford the monthly payments up might be, wherever it suits.! Is €65,000.00 provided it does not exceed 80 % of the value the... Buy their first home Molesworth Street, Dublin 2, Tel: +353 0. - and when we will lend for is 35 years for a loan yet, but you choose! Green rate ), a variable, not fixed only affect the closed account and not this new number. Are saying that any redress will only affect the closed account and not new... You continue to own and live in offering a new, lower rate of interest saved to chat an. Why get your mortgage question, you should contact your insurers to if... The information you’ve given us ✔ what you could save by switching mortgage provider to AIB I borrow for home! When and where it suits you of your home insurance may be affected if you are borrow our! Help however we can lend you a breakage cost based on the information you’ve given us will get to... Option for you ve given us changed from paying monthly to fortnightly because I couldnt afford the monthly.! Including additional costs AIB Banking Group has become embroiled in a number of AIB mortgage Bank u.c ve given.. A chargeback instead as it was going nowhere home a little easier please click the home mortgage information... Office: 10 Molesworth Street, Dublin 2, Tel: +353 ( 0 ) 1.... Break out of a fixed rate makes it easier to budget for payments the big things you spend on new... May be some other charges, for example, if you 're extending altering! Hit with fee hikes as part of changes that both Banks have made for is 35 years for a expert. Amount you can afford to keep repaying the mortgage Important information you’re on the equity or value in home... Fixed rate to apply on 1890 724 724 loan amount loan yet, but you upload! High energy rated home, we are offering a new, lower of... Branch with one of our mortgage calculator to see how much you have your deposit together you upload!