First Time Buyers Package

Buying your first home is one of the biggest and most exciting decisions that you will make. There is a lot to think about and organise, and that is why we have dedicated Mortgage Consultants to guide you through the mortgage process, every step of the way.

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Note: This information is provided for illustrative purposes only. It does not constitute a contract. We are not recording and will not use the information quoted by you in our calculators unless it is being provided as part of a product application. The results are based on current offered rates for Mortgages. Any repayment estimates provided by our calculator shall be exclusive of any payment protection premium payable.

If the security includes a new mortgage of property other than your private dwelling place or holiday home, you will have to pay the Bank's solicitor's fees for each property mortgaged as well as your own solicitor's fees, outlays and property registration fees.

Mortgage Interest Rates

First Time Buyers can avail of a range of benefits including:

• A choice of competitive interest rates available. View our Mortgage Interest Rate Options section for more details
• 3 months Deferred Start option available This is when you make no repayments whatssoever for the first 3 months and interest in simply added to your loan. However, please be aware this repayment option will impact the repayment amount and/or the term of the mortgage, it is also subject to approval
• Repayment terms up to 35 years
• Home Insurance from AIB: 30% discount if you're a first time buyer or have been claim-free for 3 years. Discounts are calculated on a reducing balance
• Consultation with an AIB Financial Adviser to assess your Life Assurance options
• Low cost finance Masterplan Account to help you manage your monthly bills. View our Related Information Section for further details. An account maintenance fee of EUR4.50 per quarter applies.

Parental Support Mortgage

If your income on its own is insufficient to meet the criteria for the mortgage amount you require, our Parental Mortgage allows a parent to become a co-party to your loan.

To find out more about our First Time Buyer's Package or our Parental Support Mortgage, contact your branch today or avail of our Call Back service to book a call with an AIB Mortgage Consultant. Our Mortgage Consultants will be happy to deal with your queries and take you through the range of competitive options available.

AIB strongly recommends that before purchasing this product you read the Important Information regarding Mortgages and our Home Mortgage Regulatory Information below in our Important / Regulatory Information section.

AIB Insurance Services Ltd is a tied agent of AXA Insurance Ltd for Home Insurance.

• Home Mortgages Important/Regulatory wording
• Important Information about your Mortgage Distance Contract

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