T: 07786 800 163 . Group (UK) p.l.c. Marguerite Mulvey. by the Prudential Regulation Authority and regulated by the Financial You can draw down your mortgage in up to 4 stages, depending on the size and complexity of the build. The maximum LTV for properties valued between £250,000 and £750,000 is 90%. The EPC must be currently valid and have been issued within the previous 10 years when you apply for a Green Fixed Rate mortgage. Let us help you get ‘mortgage ready’ You’ve decided to buy your first home. Amend Loan Rate Please select the rate you wish to move to. To avail of our Green Mortgage product your customer must provide the Bank with a copy of the EPC for the Property which confirms that the Property has an energy efficiency rating in bands A or B . Registered Number NI018800. To avail of our Green Mortgage product your customer must provide the Bank with a copy of the EPC for the Property which confirms that the Property has an energy efficiency rating in bands A or B. Registered Office <> **The 95% LTV tier is available to existing AIB customers only and is available for property values up to £250,000. Go to our applications page where you can download our application form and find our email address. AIB (NI) reserves the right to withdraw or amend products at any time. Green 5 Year Fixed Rate Rates from 2.1% - A Green Mortgage for all A1 to B3 energy rated homes. Free valuation for switchers and first time buyers. Lending criteria, terms and conditions apply. Currently on a variable rate with AIB but considering changing to their 2.5% fixed Green Mortgage. Healthcare . For example, a two bed A-rated apartment has an estimated annual fuel bill of €280 compared to €3,000 for a -rated apartment, with the obvious positive impact on carbon emissions. Mortgage intermediaries can contact us in a number of ways. AIB’s Green Mortgage is open to those buying a home, or those who already have a mortgage loan with the bank and whose property has an EPC … The energy savings can be substantial. endobj Northern Rock, formerly the Northern Rock Building Society, was a British bank.Based at Regent Centre in Newcastle upon Tyne, United Kingdom, Northern Rock was originally a building society.It demutualised and became Northern Rock bank in 1997, when it floated on the London Stock Exchange with the ticker symbol NRK. Registered Office 92 Ann Street, Belfast BT1 3HH. Click, Free valuation for switchers and first time buyers. For example, a two bed A-rated apartment has an estimated annual fuel bill of €280 compared to €3,000 for a G-rated apartment, with the obvious positive impact on carbon emissions. is an authorised agent and servicer of AIB Mortgage Bank u.c. stream *The 90% LTV tier is available for first time buyers only. Green lending at AIB grew by one-fifth last year to €1.46 billion in defiance of a slump in overall lending amid Covid-19, with the increase in this segment driven by … AIB (NI) Guide to Self-Build Mortgages Use our Mortgage Calculator. AIB’s Green Mortgage is open to those buying a home, or those who already have a mortgage loan with the bank and whose property has an EPC rating in the energy bands A or B, subject to criteria. email, please send via encrypted/secure email. <>/ExtGState<>/XObject<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 595.32 841.92] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> 4 0 obj If the mortgage is repaid or reduced within the fixed rate period, an early repayment charge will apply. Banking site. AIB offer discounted mortgage rates for borrowers with A1 to B3 energy rated homes. The maximum LTV for properties over £750,000 is 80%. Some exclusions apply: Further Advances and loans less than £65,000. If you're not a They are a new customer buying their home (Private Dwelling Home mortgage) which has an Energy Performance Certificate (EPC) in bands A or B. A copy of the EPC for the property or the brochure for the property displaying the EPC must be provided to the Bank to avail of this product. AIB has become the latest lender here to offer a mortgage with a lower rate to customers whose houses are more energy efficient. If you are buying or building a high energy rated home, we are offering a new, lower rate of interest. Conduct Authority and the Prudential Regulation Authority. It also comes with no application or booking fee and new customers will receive a free valuation. Trying to figure out what the breakage cost might be. 3 year fixed at 2.85%). These are outlined in our Fees and Charges brochure. incorporated in Northern Ireland. endobj With a AIB (NI) self-build mortgage, you won’t have an application fee or booking fee. There may be a cost associated with obtaining an EPC. Minimum mortgage amount £25,000. x��\[oܸ�~������,��.����ؙL��3�.3�An�v#�n�����W$%Qݔ��x�F�b]��(��M���Vm����y�V���&������__��_����j���O�-����n���,���"�����+ 'i����%���r'2��2�e����}�=���o�$�*�Oo�����������K"���o������Et��]�����Zo��mi)o�υ,� ��,���mU���|���W�����Q�qRᤒ�B�B���őc˒����^p��XGYQ��W/O�"��ԋ�Y�/�E$�}����9�m-u\H���Ցcj�┈�:���H_e~��4�2�̒�0�b�l������e�����~�"��Ot+ ��K��Ԭ|��wߗ')����QWD��FW���c��+0��k:� (����K1����E{���˝���%T��J�K�ΫRb����$��H�W���MpfV��[���> X�.Eb���G���c{\$�� C�p�ך��/��0�q_W�S@WDJ� ȉ1�a����n���uDWʄ�_�Rg��'I^���8�J���q�ys.������U������,h������AJ�Л}7�a�0AR%���zUq�3�v)��P/_����ɑ�1�g�,����V�9�s[�>;͉Zp~������k2{2�5���nC�JB���;��|�����������̟k�ۅGz�Y�����?Ը�ް��а�E:�����Χ؏%+. 92 Ann Street, Belfast BT1 3HH. incorporated in Northern Ireland. AIB mortgage offers in focus Green Mortgages. is regulated by the Central Bank of Ireland. *Existing customers: 95% maximum LTV above applies to property values of up to £250,000. A standard variable rate mortgage is also available. %PDF-1.5 incorporated in Northern Ireland. Call our run-by desk on 028 9047 9100, complete a website contact Primary residence only. Products. Go to the EPC website and click the link to access the Domestic EPC Registers. Stage Drawdowns Available. The five year fixed-rate AIB Green Mortgage is available to AIB customers for private dwelling homes with a building energy rating (BER) between A1 and B3. It is calculated on a daily basis and charged quarterly in arrears. They already have a mortgage loan with us, their home has an EPC rating in the energy bands A or B and they have more than five years left on the mortgage. Cashback applies as follows: 5 Year Green mortgage - £1,500; 5 Year Fixed Rate mortgage - £1,500; 2 Year Fixed Rate mortgage - £1,000; Discount Freedom - £500; 2 Year Green Discount Standard Variable Rate - £500. E: marguerite.a.mulvey@aib.ie. If you are buying or building a new home and have a Building Energy Rating (BER) certificate to prove your home’s energy rating is better than B3, you could benefit from a lower rate deal with their Green 5 Year Fixed Rate. AIB Mortgage Bank u.c. Loans are granted subject to an appraisal of the applicant's financial standing. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. 3 0 obj The rates will now start from as low as 2.10% and are open to both new and existing customers of AIB. You can apply for up to 75% of the final value of the property. endobj AIB also offers up to £2,000 cashback on its Green Mortgage subject to qualifying criteria. If they repay even part of their loan while on a fixed rate, or if they break out of the fixed rate early, they may have to pay a breakage cost. You can choose between a fixed interest rate (including our new green rate), a variable, or a … The Bank's standard variable rate, currently. AIB is cutting the rates on its 'green' five-year fixed mortgage by up to 0.20%. The EPC must have been issued no later than ten years from the date of the mortgage application. contact your Business Development Manager directly. Registered Number NI018800. AIB's green mortgage is open to those buying a home, or those who already have a mortgage loan with the bank and whose property has an EPC … mortgage intermediary or professional advisor and would like The AIB logo, Allied Irish Bank (GB) and Allied Irish Bank (GB) Savings Direct are trade marks used under licence by AIB Group (UK) p.l.c. in relation to origination and servicing of mortgage loans and mortgages. My Mortgage is Ireland's first online mortgage tool that helps you manage your mortgage application documents and communications. AIB customers on a variable rate of 3.15% would save €130 on their monthly repayments, and €1,560 a year, if they moved to AIB 's Green Five Year Fixed Rate Mortgage of 2.25%. <>>> WARNING: If you do not keep up your repayments you may lose your home. AIB also offers up to £2,000 cashback on its Green Mortgage subject to qualifying criteria. Registered Office 92 Ann Street, Belfast BT1 3HH. An independent valuation will be required. No valuation fee for switchers and first time buyers. Further Information. If you wish to choose the Green 5 Year Fixed Interest Rate, you will be required to provide a copy of a valid and up to date Building Energy Rating (BER) Certificate evidencing that your property has a BER of A1, A2, A3, B1, B2 or B3. Click here for more information on our Loan to Value Criteria. The energy savings can be substantial. Mortgages +44 (0)345 600 5204 * or Email Us . Healthcare Sector Team. According to AIB, existing customers on its standard variable rate of 3.15% could save around €130 on their monthly repayments, or €1,560 a year, if they moved to its new rate of 2.25% for example*. Mon - Fri 9.00am to 5.00pm (excluding Bank Holidays) Savings Direct +44 (0)345 455 2222 * or Email Us . Note: If you wish to send customer data or documentation by AIB is offering a five-year fixed mortgage with a 2.5 per cent interest rate for homes with the highest energy efficiency ratings, a move designed to boost its lending in climate-friendly products. The AIB logo, Allied Irish Bank (GB) and Allied Irish Bank (GB) Savings Direct are trade marks used under licence by AIB Group (UK) p.l.c. The mortgage will be secured against the mortgaged property. Click on ‘Retrieve an Energy Performance Certificate' and follow the instructions on the screen. The EPC must be currently valid and have been issued within the previous 10 years when you apply for a Green Fixed Rate mortgage. The AIB logo and AIB (NI) are trade marks used under licence by AIB Green Mortgage Rates If you are buying a high energy rated home, we are offering a new, lower rate of interest. The maximum LTV for properties over £750,000 is 80%. Free legal fees for customers switching their mortgage to AIB for Intermediaries using a bank nominated solicitor. New Business: 85% maximum LTV above applies to property values of up to £750,000. This means that you gain the full benefit from your repayments immediately when they … Allied Irish Banks, p.l.c. Successful UK intermediary mortgage business; Full service retail and commercial bank in Northern Ireland; Growing car and asset finance business throughout the UK, under the Northridge Finance brand; We are a separately incorporated subsidiary of Bank of Ireland Group. 2 0 obj form, email us at broker.mortgages@aib.ie or alternatively AIB charges interest on the reducing mortgage balance. <> This website is for FCA authorised mortgage intermediaries only, Our Products and Rates - AIB (NI) for Intermediaries, The Bank's standard variable rate, currently 3.8%. The AIB Green Mortgage is available to customers for private dwelling homes with a building energy rating (BER) between A1 and B3. information about a mortgage please go to our Personal An EPC is valid for 10 years from the 'Date of Certificate' date, which is shown in the top left hand corner of the EPC. We will need this document before drawdown. Its a bit unusual in that this longer term rate has a lower rate than their other shorter term fixed products (e.g. Benefits of applying for a mortgage with AIB If your customer cannot locate their EPC they may be able to recover it from the Domestic EPC registers. AIB’s Green Mortgage is open to those buying a home, or those who already have a mortgage loan with the bank and whose property has an EPC rating in the energy bands A or B, subject to criteria. 1 0 obj mortgage intermediaries registered with AIB (NI). The calculation is based on a 25 year mortgage with a remain ing balance of €285,000, a … %���� Registered Number NI018800. There are some terms and conditions the customer will need to be aware of. Home Topics Society & Culture Accommodation & Property [Other] AIB green home mortgage Notices Welcome to Boards.ie; here are some tips and tricks to help you get started. Applicants must be 18yrs or over. 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