Lenders · AIB Group
AIB: what it offers and who it suits
Checked 21 Oct 2026AIB's own pages and the Central Bank register.
Direct and broker customers who want a large branch network, a green rate for a B3 or better home, or the lower Higher Value rate from €250,000.
- Regulated as
- a bank by the Central Bank of Ireland
- How to apply
- Direct, or through a mortgage advisor
- Overpay on a fixed rate
- 10% of the balance a year without a fee
- Longest term
- 35 years, to age 70
- Switcher offer
- None listedA €3,000 cash payment for switchers to a fixed or variable rate on the home you live in; conditions apply.
- First-time buyers
- No cashback on the standard rates; a green rate for a BER of B3 or better and a Higher Value rate from €250,000.
- Green rate
- Yes, for a BER B3 or better
- The lender’s own rates page
- aib.ie/our-products/mortgages/mortgage-interest-rates
Rates checked
| Cashback | Checked | |||||
|---|---|---|---|---|---|---|
| Green A 3 year fixed, up to 50% LTVBER A3 or better | up to 50% LTV | 3 yr | 3.00% | 3.60% | none | 21 Oct 2026 |
| Green A 3 year fixed, 50% to 80% LTVBER A3 or better | 50% to 80% LTV | 3 yr | 3.10% | 3.78% | none | 21 Oct 2026 |
| Green 2 year fixed, up to 50% LTVBER B3 or better | up to 50% LTV | 2 yr | 3.15% | 3.71% | none | 21 Oct 2026 |
| Higher Value 4 year fixed, up to 50% LTVloans from €250,000 | up to 50% LTV | 4 yr | 3.15% | 3.60% | none | 21 Oct 2026 |
| Green 5 year fixed, up to 50% LTVBER B3 or better | up to 50% LTV | 5 yr | 3.20% | 3.57% | none | 21 Oct 2026 |
| Higher Value 4 year fixed, 50% to 80% LTVloans from €250,000 | 50% to 80% LTV | 4 yr | 3.20% | 3.74% | none | 21 Oct 2026 |
| Green A 3 year fixed, over 80% LTVBER A3 or better | 80% to 90% LTV | 3 yr | 3.20% | 3.95% | none | 21 Oct 2026 |
| Green 2 year fixed, 50% to 80% LTVBER B3 or better | 50% to 80% LTV | 2 yr | 3.25% | 3.89% | none | 21 Oct 2026 |
| Higher Value 4 year fixed, over 80% LTVloans from €250,000 | 80% to 90% LTV | 4 yr | 3.25% | 3.88% | none | 21 Oct 2026 |
| 1 year fixed, up to 50% LTV | up to 50% LTV | 1 yr | 3.30% | 3.79% | none | 21 Oct 2026 |
| Green 5 year fixed, 50% to 80% LTVBER B3 or better | 50% to 80% LTV | 5 yr | 3.30% | 3.73% | none | 21 Oct 2026 |
| 2 year fixed, up to 50% LTV | up to 50% LTV | 2 yr | 3.35% | 3.75% | none | 21 Oct 2026 |
| Green 2 year fixed, over 80% LTVBER B3 or better | 80% to 90% LTV | 2 yr | 3.35% | 4.07% | none | 21 Oct 2026 |
| 1 year fixed, 50% to 80% LTV | 50% to 80% LTV | 1 yr | 3.40% | 3.98% | none | 21 Oct 2026 |
| Green 5 year fixed, over 80% LTVBER B3 or better | 80% to 90% LTV | 5 yr | 3.40% | 3.88% | none | 21 Oct 2026 |
| 2 year fixed, 50% to 80% LTV | 50% to 80% LTV | 2 yr | 3.45% | 3.93% | none | 21 Oct 2026 |
| 3 year fixed, up to 50% LTV | up to 50% LTV | 3 yr | 3.50% | 3.76% | none | 21 Oct 2026 |
| 1 year fixed, over 80% LTV | 80% to 90% LTV | 1 yr | 3.50% | 4.18% | none | 21 Oct 2026 |
| 4 year fixed, up to 50% LTV | up to 50% LTV | 4 yr | 3.55% | 3.76% | none | 21 Oct 2026 |
| 2 year fixed, over 80% LTV | 80% to 90% LTV | 2 yr | 3.55% | 4.12% | none | 21 Oct 2026 |
| 3 year fixed, 50% to 80% LTV | 50% to 80% LTV | 3 yr | 3.60% | 3.93% | none | 21 Oct 2026 |
| 5 year fixed, up to 50% LTV | up to 50% LTV | 5 yr | 3.65% | 3.79% | none | 21 Oct 2026 |
| 4 year fixed, 50% to 80% LTV | 50% to 80% LTV | 4 yr | 3.65% | 3.92% | none | 21 Oct 2026 |
| 3 year fixed, over 80% LTV | 80% to 90% LTV | 3 yr | 3.70% | 4.11% | none | 21 Oct 2026 |
| LTV variable, up to 50% LTV | up to 50% LTV | variable | 3.75% | 3.84% | none | 21 Oct 2026 |
| 5 year fixed, 50% to 80% LTV | 50% to 80% LTV | 5 yr | 3.75% | 3.95% | none | 21 Oct 2026 |
| 4 year fixed, over 80% LTV | 80% to 90% LTV | 4 yr | 3.75% | 4.09% | none | 21 Oct 2026 |
| 7 year fixed, up to 50% LTV | up to 50% LTV | 7 yr | 3.85% | 3.90% | none | 21 Oct 2026 |
| 5 year fixed, over 80% LTV | 80% to 90% LTV | 5 yr | 3.85% | 4.10% | none | 21 Oct 2026 |
| LTV variable, 50% to 80% LTV | 50% to 80% LTV | variable | 3.95% | 4.04% | none | 21 Oct 2026 |
| 7 year fixed, 50% to 80% LTV | 50% to 80% LTV | 7 yr | 3.95% | 4.04% | none | 21 Oct 2026 |
| 10 year fixed, up to 50% LTV | up to 50% LTV | 10 yr | 4.00% | 4.04% | none | 21 Oct 2026 |
| 7 year fixed, over 80% LTV | 80% to 90% LTV | 7 yr | 4.05% | 4.19% | none | 21 Oct 2026 |
| 10 year fixed, 50% to 80% LTV | 50% to 80% LTV | 10 yr | 4.10% | 4.17% | none | 21 Oct 2026 |
| LTV variable, over 80% LTV | 80% to 90% LTV | variable | 4.15% | 4.25% | none | 21 Oct 2026 |
| 10 year fixed, over 80% LTV | 80% to 90% LTV | 10 yr | 4.20% | 4.29% | none | 21 Oct 2026 |
How it compares
See AIB beside every other lender on the rates comparison, and check what a switch would save after fees with the switching calculator. Before you deal with any lender or advisor, check the Central Bank register.
Information, not advice. Nothing here is a recommendation; the right lender depends on your own circumstances, which only a lender or a regulated advisor can assess. Last checked 2026-10-21. MortgageWise is an independent site, not connected with the Central Bank of Ireland, Revenue, the Housing Agency, any local authority, any lender or any Government department. It is not a lender, a mortgage broker, a credit or insurance intermediary, a solicitor, a tax adviser or a financial adviser. It covers the Republic of Ireland only. Before you sign anything, talk to a solicitor and, for advice on a mortgage, to an advisor regulated by the Central Bank of Ireland.