You can choose between a fixed interest rate (including our new green rate), a variable, or a combination of both.
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. A fixed rate makes it easier to budget for payments. 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.
You can choose this rate if you are buying, building or renovating the home you live in once it has or will have a BER rating of between A1 and B3.
A variable rate mortgage has a rate of interest which can change. 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.
Where you see LTV, it stands for Loan to Value. It refers to the ratio of your loan to the value of the property. We offer different rates depending on that ratio.
Where you see Yr, it stands for Year.
Mortgage Loan Rates Select Mortgage Type Loan-to-Value(LTV) rule Show Rates| Rate type | Interest Rates | APRC | Cost per €'000 |
|---|---|---|---|
| LTV Var | 3.75% | -- | -- |
| LTV Var >50% | 3.95% | -- | -- |
| LTV Var >80% | 4.15% | -- | -- |
| 1 Year LTV Fixed | 4.40% | -- | -- |
| 1 Year LTV Fixed >50% | 4.55% | -- | -- |
| 1 Year LTV Fixed >80% | 4.65% | -- | -- |
| 2 Year LTV Fixed | 4.45% | -- | -- |
| 2 Year LTV Fixed >50% | 4.60% | -- | -- |
| 2 Year LTV Fixed >80% | 4.70% | -- | -- |
| 3 Year LTV Fixed | 4.55% | -- | -- |
| 3 Year LTV Fixed >50% | 4.70% | -- | -- |
| 3 Year LTV Fixed >80% | 4.80% | -- | -- |
| 4 Year LTV Fixed | 4.60% | -- | -- |
| 4 Year LTV Fixed >50% | 4.75% | -- | -- |
| 4 Year LTV Fixed >80% | 4.85% | -- | -- |
| 5 Year LTV Fixed | 4.65% | -- | -- |
| 5 Year LTV Fixed >50% | 4.80% | -- | -- |
| 5 Year LTV Fixed >80% | 5.00% | -- | -- |
| 7 Year LTV Fixed | 4.90% | -- | -- |
| 7 Year LTV Fixed >50% | 5.05% | -- | -- |
| 7 Year LTV Fixed >80% | 5.15% | -- | -- |
| 10 Year LTV Fixed | 5.05% | -- | -- |
| 10 Year LTV Fixed>50% | 5.20% | -- | -- |
| 10 Year LTV Fixed >80% | 5.30% | -- | -- |
| Green 5 Year LTV Fixed | 3.45% | -- | -- |
| Green 5Year LTV Fixed>50% | 3.55% | -- | -- |
| Green 5 Year LTV Fixed >80% | 3.65% | -- | -- |
| High Value 4 Yr Fixed | 3.95% | -- | -- |
| High Value 4 Yr Fixed>50% | 4.10% | -- | -- |
| High Value 4 Yr Fixed >80% | 4.30% | -- | -- |
| LTV Var | 3.75% | 3.84% | €5.92 |
| LTV Var >50% | 3.95% | 4.04% | €6.03 |
| LTV Var >80% | 4.15% | 4.25% | €6.13 |
| 1 Year LTV Fixed | 4.40% | 3.91% | €6.27 |
| 1 Year LTV Fixed >50% | 4.55% | 4.11% | €6.35 |
| 1 Year LTV Fixed >80% | 4.65% | 4.31% | €6.40 |
| 2 Year LTV Fixed | 4.45% | 3.99% | €6.29 |
| 2 Year LTV Fixed >50% | 4.60% | 4.19% | €6.37 |
| 2 Year LTV Fixed >80% | 4.70% | 4.37% | €6.43 |
| 3 Year LTV Fixed | 4.55% | 4.09% | €6.35 |
| 3 Year LTV Fixed >50% | 4.70% | 4.29% | €6.43 |
| 3 Year LTV Fixed >80% | 4.80% | 4.46% | €6.48 |
| 4 Year LTV Fixed | 4.60% | 4.19% | €6.37 |
| 4 Year LTV Fixed >50% | 4.75% | 4.38% | €6.45 |
| 4 Year LTV Fixed >80% | 4.85% | 4.54% | €6.51 |
| 5 Year LTV Fixed | 4.65% | 4.28% | €6.40 |
| 5 Year LTV Fixed >50% | 4.80% | 4.47% | €6.48 |
| 5 Year LTV Fixed >80% | 5.00% | 4.68% | €6.59 |
| 7 Year LTV Fixed | 4.90% | 4.58% | €6.54 |
| 7 Year LTV Fixed >50% | 5.05% | 4.76% | €6.62 |
| 7 Year LTV Fixed >80% | 5.15% | 4.90% | €6.67 |
| 10 Year LTV Fixed | 5.05% | 4.90% | €6.62 |
| 10 Year LTV Fixed>50% | 5.20% | 5.07% | €6.70 |
| 10 Year LTV Fixed >80% | 5.30% | 5.20% | €6.76 |
| Green 5 Year LTV Fixed | 3.45% | 3.69% | €5.77 |
| Green 5Year LTV Fixed>50% | 3.55% | 3.85% | €5.82 |
| Green 5 Year LTV Fixed >80% | 3.65% | 4.00% | €5.87 |
| High Value 4 Yr Fixed | 3.95% | 3.92% | €6.03 |
| High Value 4 Yr Fixed>50% | 4.10% | 4.11% | €6.11 |
| High Value 4 Yr Fixed >80% | 4.30% | 4.31% | €6.21 |
| LTV Var | 3.75% | 3.83% | €5.14 |
| LTV Var >50% | 3.95% | 4.04% | €5.25 |
| LTV Var >80% | 4.15% | 4.25% | €5.36 |
| 1 Year LTV Fixed | 4.40% | 3.89% | €5.49 |
| 1 Year LTV Fixed >50% | 4.55% | 4.10% | €5.58 |
| 1 Year LTV Fixed >80% | 4.65% | 4.29% | €5.64 |
| 2 Year LTV Fixed | 4.45% | 3.96% | €5.52 |
| 2 Year LTV Fixed >50% | 4.60% | 4.16% | €5.61 |
| 2 Year LTV Fixed >80% | 4.70% | 4.35% | €5.66 |
| 3 Year LTV Fixed | 4.55% | 4.05% | €5.58 |
| 3 Year LTV Fixed >50% | 4.70% | 4.24% | €5.66 |
| 3 Year LTV Fixed >80% | 4.80% | 4.42% | €5.72 |
| 4 Year LTV Fixed | 4.60% | 4.13% | €5.61 |
| 4 Year LTV Fixed >50% | 4.75% | 4.32% | €5.69 |
| 4 Year LTV Fixed >80% | 4.85% | 4.49% | €5.75 |
| 5 Year LTV Fixed | 4.65% | 4.21% | €5.64 |
| 5 Year LTV Fixed >50% | 4.80% | 4.40% | €5.72 |
| 5 Year LTV Fixed >80% | 5.00% | 4.61% | €5.84 |
| 7 Year LTV Fixed | 4.90% | 4.47% | €5.78 |
| 7 Year LTV Fixed >50% | 5.05% | 4.66% | €5.87 |
| 7 Year LTV Fixed >80% | 5.15% | 4.81% | €5.92 |
| 10 Year LTV Fixed | 5.05% | 4.77% | €5.87 |
| 10 Year LTV Fixed>50% | 5.20% | 4.95% | €5.95 |
| 10 Year LTV Fixed >80% | 5.30% | 5.09% | €6.01 |
| Green 5 Year LTV Fixed | 3.45% | 3.71% | €4.98 |
| Green 5Year LTV Fixed>50% | 3.55% | 3.87% | €5.03 |
| Green 5 Year LTV Fixed >80% | 3.65% | 4.04% | €5.08 |
| High Value 4 Yr Fixed | 3.95% | 3.90% | €5.25 |
| High Value 4 Yr Fixed>50% | 4.10% | 4.09% | €5.33 |
| High Value 4 Yr Fixed >80% | 4.30% | 4.30% | €5.44 |
| LTV Var | 3.75% | 3.83% | €4.63 |
| LTV Var >50% | 3.95% | 4.04% | €4.74 |
| LTV Var >80% | 4.15% | 4.24% | €4.85 |
| 1 Year LTV Fixed | 4.40% | 3.88% | €5.00 |
| 1 Year LTV Fixed >50% | 4.55% | 4.09% | €5.09 |
| 1 Year LTV Fixed >80% | 4.65% | 4.28% | €5.15 |
| 2 Year LTV Fixed | 4.45% | 3.94% | €5.03 |
| 2 Year LTV Fixed >50% | 4.60% | 4.14% | €5.12 |
| 2 Year LTV Fixed >80% | 4.70% | 4.33% | €5.18 |
| 3 Year LTV Fixed | 4.55% | 4.02% | €5.09 |
| 3 Year LTV Fixed >50% | 4.70% | 4.21% | €5.18 |
| 3 Year LTV Fixed >80% | 4.80% | 4.40% | €5.24 |
| 4 Year LTV Fixed | 4.60% | 4.09% | €5.12 |
| 4 Year LTV Fixed >50% | 4.75% | 4.28% | €5.21 |
| 4 Year LTV Fixed >80% | 4.85% | 4.46% | €5.27 |
| 5 Year LTV Fixed | 4.65% | 4.16% | €5.15 |
| 5 Year LTV Fixed >50% | 4.80% | 4.35% | €5.24 |
| 5 Year LTV Fixed >80% | 5.00% | 4.56% | €5.36 |
| 7 Year LTV Fixed | 4.90% | 4.40% | €5.30 |
| 7 Year LTV Fixed >50% | 5.05% | 4.59% | €5.39 |
| 7 Year LTV Fixed >80% | 5.15% | 4.75% | €5.45 |
| 10 Year LTV Fixed | 5.05% | 4.68% | €5.39 |
| 10 Year LTV Fixed>50% | 5.20% | 4.86% | €5.48 |
| 10 Year LTV Fixed >80% | 5.30% | 5.00% | €5.54 |
| Green 5 Year LTV Fixed | 3.45% | 3.72% | €4.46 |
| Green 5Year LTV Fixed>50% | 3.55% | 3.89% | €4.51 |
| Green 5 Year LTV Fixed >80% | 3.65% | 4.06% | €4.57 |
| High Value 4 Yr Fixed | 3.95% | 3.89% | €4.74 |
| High Value 4 Yr Fixed>50% | 4.10% | 4.08% | €4.83 |
| High Value 4 Yr Fixed >80% | 4.30% | 4.29% | €4.94 |
| LTV Var | 3.75% | 3.83% | €4.27 |
| LTV Var >50% | 3.95% | 4.03% | €4.39 |
| LTV Var >80% | 4.15% | 4.24% | €4.51 |
| 1 Year LTV Fixed | 4.40% | 3.87% | €4.66 |
| 1 Year LTV Fixed >50% | 4.55% | 4.08% | €4.76 |
| 1 Year LTV Fixed >80% | 4.65% | 4.28% | €4.82 |
| 2 Year LTV Fixed | 4.45% | 3.93% | €4.69 |
| 2 Year LTV Fixed >50% | 4.60% | 4.13% | €4.79 |
| 2 Year LTV Fixed >80% | 4.70% | 4.32% | €4.85 |
| 3 Year LTV Fixed | 4.55% | 3.99% | €4.76 |
| 3 Year LTV Fixed >50% | 4.70% | 4.19% | €4.85 |
| 3 Year LTV Fixed >80% | 4.80% | 4.38% | €4.91 |
| 4 Year LTV Fixed | 4.60% | 4.06% | €4.79 |
| 4 Year LTV Fixed >50% | 4.75% | 4.25% | €4.88 |
| 4 Year LTV Fixed >80% | 4.85% | 4.44% | €4.94 |
| 5 Year LTV Fixed | 4.65% | 4.13% | €4.82 |
| 5 Year LTV Fixed >50% | 4.80% | 4.32% | €4.91 |
| 5 Year LTV Fixed >80% | 5.00% | 4.53% | €5.04 |
| 7 Year LTV Fixed | 4.90% | 4.34% | €4.97 |
| 7 Year LTV Fixed >50% | 5.05% | 4.53% | €5.07 |
| 7 Year LTV Fixed >80% | 5.15% | 4.70% | €5.13 |
| 10 Year LTV Fixed | 5.05% | 4.60% | €5.07 |
| 10 Year LTV Fixed>50% | 5.20% | 4.79% | €5.16 |
| 10 Year LTV Fixed >80% | 5.30% | 4.94% | €5.23 |
| Green 5 Year LTV Fixed | 3.45% | 3.73% | €4.10 |
| Green 5Year LTV Fixed>50% | 3.55% | 3.90% | €4.16 |
| Green 5 Year LTV Fixed >80% | 3.65% | 4.07% | €4.22 |
| High Value 4 Yr Fixed | 3.95% | 3.88% | €4.39 |
| High Value 4 Yr Fixed>50% | 4.10% | 4.07% | €4.48 |
| High Value 4 Yr Fixed >80% | 4.30% | 4.28% | €4.60 |
| Rate type | Interest Rates | APRC | Cost per €'000 |
|---|---|---|---|
| Standard Variable Rate | 5.20 | -- | -- |
| 1 Year Fixed | 7.30 | -- | -- |
| 2 Year Fixed | 7.50 | -- | -- |
| 3 Year Fixed | 7.70 | -- | -- |
| 4 Year Fixed | 7.90 | -- | -- |
| 5 Year Fixed | 8.10 | -- | -- |
| Standard Variable Rate | 5.20% | 5.34% | €6.70 |
| 1 Year Fixed | 7.30% | 5.60% | €7.91 |
| 2 Year Fixed | 7.50% | 5.88% | €8.03 |
| 3 Year Fixed | 7.70% | 6.20% | €8.15 |
| 4 Year Fixed | 7.90% | 6.54% | €8.27 |
| 5 Year Fixed | 8.10% | 6.89% | €8.40 |
| Standard Variable Rate | 5.20% | 5.33% | €5.95 |
| 1 Year Fixed | 7.30% | 5.55% | €7.24 |
| 2 Year Fixed | 7.50% | 5.80% | €7.36 |
| 3 Year Fixed | 7.70% | 6.07% | €7.49 |
| 4 Year Fixed | 7.90% | 6.37% | €7.62 |
| 5 Year Fixed | 8.10% | 6.68% | €7.75 |
Existing AIB PDH customers can avail of the Rate if the remaining balance on the mortgage is at least €250,000 and a term of 4 years or more remains on the mortgage loan when actioning your request. Those who have more than one mortgage loan on the same property can avail of the Rate if the combined balance of their loans are at least €250,000. The rate can only be applied to account(s) with a term of 4 years or more remaining. If your mortgage meets the qualifying criteria and you wish to avail of this rate you must complete the Mortgage Amendment form see here. The AIB €3,000 switcher payment is available for Private Dwelling House (PDH) mortgages only, switching to Fixed or Variable rates.
Existing AIB PDH customers topping up their mortgage can combine the amount of the new borrowings with the balance of their existing mortgage loan to meet the €250,000 threshold. Once the total loan balances of your combined mortgage loans meet the €250,000 threshold on the date of issuing the most recent top-up letter of offer, the Higher Value Rate will be applied to the Top Up Mortgage Loan. Click here for more information on Higher Value 4 Year Fixed mortgage rate.