What are the mortgage products AIB First Trust Bank offers?

AIB First Trust Bank provides a range of financial services including various types of mortgages, personal loans, savings accounts, current accounts, and insurance products.

How can I apply for an AIB First Trust Bank product?

You can apply for AIB First Trust Bank products through their online banking platform, by visiting a branch, or via phone.

Can AIB First Trust Bank help residential mortgage customers?

AIB First Trust Bank offers mortgage options for residential properties, supporting customers who are purchasing new homes, moving homes, or switching their existing mortgages​.

Can AIB First Trust Bank help Self-employed mortgage customers?

AIB First Trust Bank offers mortgages for the self-employed requiring to see 2 years' most recent Audited Accounts or Trading Accounts certified by an accountant.

Can AIB First Trust Bank help first time buyer mortgage customers?

AIB First Trust Bank offers a range of fixed and variable rate mortgages for first time buyers.

Can AIB First Trust Bank help adverse mortgage customers? Or customers with poor credit rating?

AIB First Trust Bank assesses mortgage applications from customers with poor credit ratings on a case-by-case basis.

Can AIB First Trust Bank help later life or retired mortgage customers?

Generally, it is expected that retirement will take place at state retirement age, or up to 70 for self-employed. Where the loan term extends beyond retirement the Bank will require appropriate and clear demonstration of affordability beyond anticipated retirement date.

Can AIB First Trust Bank help with second charge mortgages, secured loan or homeowner customers? 

The bank provides further advanced products for existing mortgage customers, which can be considered similar to second charge mortgages or secured loans​.

Can AIB First Trust Bank help buy to let mortgage customers?

AIB First Trust Bank offers buy to let mortgages, catering to individuals who want to invest in property to rent out​.

Can AIB First Trust Bank help limited company buy to let mortgage customers?

The bank also provides buy to let mortgages for limited companies, supporting professional landlords and investors operating through corporate structures​.

Can AIB First Trust Bank help with commercial or short-term mortgage customers?

The bank provides commercial mortgage products, catering to businesses and investors with specific financing needs​.

What Credit scoring agency does AIB First Trust Bank use?

AIB First Trust bank does not disclose which credit reference agencies they use.