AIB réduit le taux hypothécaire fixe à quatre ans pour les emprunteurs

AIB has cut its four-year fixed mortgage rate by up to 0.35 percentage points for eligible borrowers. The reduction applies to mortgages above €250,000 and affects both new and existing customers. The changes take immediate effect and are available to those whose properties lack a building energy rating of B3 or higher. The adjusted rates vary depending on the loan-to-value (LTV) ratio. For those with an LTV exceeding 80 percent, the rate drops from 3.6 percent to 3.25 percent. Borrowers with an LTV between 50 and 80 percent see their rate fall from 3.5 percent to 3.2 percent, while those with an LTV below 50 percent can access a rate of 3.15 percent, down from 3.4 percent. According to AIB, a customer taking out a new €350,000 four-year fixed rate mortgage with an LTV of 50 to 80 percent over a 25-year term could save up to €55.52 per month, or €666.24 annually. Monthly payments would decrease from €1,750.82 to €1,695.30. The move follows two recent interest rate increases by the European Central Bank, affecting over 100,000 tracker mortgage holders. New customers purchasing their first home, those moving house, or switching to AIB can benefit from the new rates. Existing customers on variable rates and those nearing the end of their fixed-rate periods are also eligible. AIB noted that nearly nine in ten new customers chose fixed rates this year, indicating growing demand for stability. Managing director of retail banking Geraldine Casey stated the bank aims to provide sustainable mortgage pricing while monitoring market conditions and customer needs.