History of AIB Standard Variable Mortgage Rate

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PFS7979

Registered User
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Hi,

Could anybody help me in establishing where I can find out the history of AIB's standard variable mortgage rate between 2009 and 2013?

thanks.
 
I can have a look at my statement if you like. I took out mortgage in may 09. The rate then was 3.24% on an Ltv of >80%
 
I don't have before 2013 to hand as I was fixed at that period but here's the back-end of the time you are looking for and it's the Standard SVR as oppose to a LTV one.
April 2013 4%
June 2013 4.4%
Dec 2014 4.15%
 
Its quite hard to find this info. This is what I found from looking at press releases from AIB.
Anyone feel free to correct or if anyone knows of a site that hold history of rates by lender..even better!

AIB variable rate history

[Announced] [Effective From] [SVR] [> 80%]
[01/04/2013] [01/04/2013] [4] [4.1]
[01/06/2013] [01/06/2013] [4.4] [4.5]
[30/10/2014] [01/12/2014] [4.15] [4.25]
[01/05/2015] [01/06/2015] [3.9] [4]
[07/08/2015] [01/10/2015] [3.65] [3.75]
[01/05/2016] [01/07/2016] [3.4] [3.5]
 
Last edited:
the AIB SVR is now down to 3.15
I would of assumed that this meant the rate that I would get applied to my mortgage is 3.25 as my current rate I get is 3.5.

But I got a letter from AIB saying the rate I am getting is 3.15, the actual SVR and the amount my new monthly payment is reflects this.

Anyone have an idea what is going on here?
 
Hi, there's more than 1 product reduced to 3.15%. From the details you provided I'm guessing you're on LTV >80% rare rather than SVR.

More detail over here: https://www.askaboutmoney.com/threads/aib-is-dropping-its-variable-rates-by-0-25.205059/
 
RedOnion said:
Hi, there's more than 1 product reduced to 3.15%. From the details you provided I'm guessing you're on LTV >80% rare rather than SVR.

More detail over here: https://www.askaboutmoney.com/threads/aib-is-dropping-its-variable-rates-by-0-25.205059/
Click to expand...

Ya i'm on > 80%.

So this means I actually get a discount of 0.35%, looks like its the same for all other LTV values.

I thought it was gonna remain the same and the actual rate I get would be 0.1% higher than the SVR as per the history above, so 3.25%

Thanks for the reply!
 
In case anyone else is interested these seem to be the variable rates applying to AIB Home Loans. Sorry - can't seem to insert a table
  • May 2007 – 4.85%
  • 19th June 2007 – 5.1%
  • 16th January 2008 – 5.25%
  • 16th July 2008 – 5.5%
  • 22nd October 2008 – 5%
  • 19th November 2008 – 4.5%
  • 17th December 2008 - 3.75%
  • 28th January 2009 - 3.25%
  • 19th March 2009 - 2.75%
  • 17th April 2009 - 2.5%
  • 20th May 2009 - 2.25%
**This is where they stepped away from the ECB rate
  • 30th March 2010 - 2.75%
  • 11th August 2010 - 3.25%
  • 23rd November 2011 - 3%
  • 4th September 2012 - 3.5%
  • 13th November 2012 - 4%
  • 5th June 2013 - 4.4%
  • 1st December 2014 - 4.15%
  • 2nd June 2015 - 3.9%
  • 1st October 2015 - 3.65%
  • 16th September 2016 - 3.4%
 
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