AIB - Do not use - List Of Banks .info

Contact Details

   
     
AIB Finance Ltd
Sandyford Business Centre
Blackthorn Road
Sandyford
Dublin 12   

Contact : Gerry O'Riordan - 00353 8725 60960
gerry.m.o'riordan@aib.ie



ACCEPTABLE INTRODUCERS
    Appointed Intermediaries

SERVICE/PROC PAYMENTS
    Refer to Lender

SOLICITORS
    One solicitor ie.clients solicitor acceptable to certify title etc 
    on homeloan and residential investment property transactions

References

   
  
    Employed |: P60, paylips and employers salary certificate
    Self Emp |: Minimum 1 year accounts
 
    Minimum Employment Period (employed) 1 year
    Minimum Trading period (self Employed) 1 year

Remortgages

   

     On a case by case basis on merit.

     Acceptable categories -

     Home Improvements 75%
     Marital Settlements 75%
     Dependent's Home 75%
     Educational Fees 75%
     Holiday Home 75%
     Investment 75%
     Property to Let 75%
     Second Home 75%

Applicants

   

    NON Eire Tax Payers ||: Yes
    Arrears Outstanding ||: No
    Arrears Settled     ||: Refer to Lender
    CCJ's Outstanding   ||: No
    CCJ's Settled       ||: No
    Bankruptcy          ||: No
    Ex Patriates        ||: Yes
    Debt History        ||: No
    Guarantors          ||: Refer to Lender
    Multiple Applications ||: Yes
 
    

LIFE COVER REQUIREMENTS
    Endowment|: Yes
    Repayment|: Yes
    Pension  |: 60% 
    Int Only |: RIP properties only 80%

    Most major life companies acceptable

Property Information

   

    PURCHASE
    Main Residence Apartment/House max 90%
    Second Home Apartment/House max 85%
    Home for Dependent Apartment/House max 85%
    Holiday Home Apartment/House Max 85%
    Right to Buy Apartment/House max 90%       

    TENURE
    Freehold Apartment/House
   
    CONSTRUCTION
    Conventional Apartment/house
    Brick on Wood Apartment/House
    Concrete Apartment/House
    Steel Framed Apartment/House
    Timber Framed Apartment/House
    Wholly Timber framed Apartment/House
    
    PROPERTY
    Garden Floor Apartment (with/without lift)
    Ground Floor Apartment (with/without lift)
    1-3 Floor Apartment (with/without lift)
    4-6 Floor Apartment (with/without lift)
    7+ Floor Apartment (with/without lift)

    OTHER
    Shared Ownership
    NHBC required if property less than 10 years old
    House with 2 kitchens
    Back to Back

LOCATION
    Republic of Ireland ONLY

Survey Fees

   

     Refer to Lender

Higher Lending Charge

   

     Known as an Indemnity Bond.please contact
     Lender.

Miscellanious

   

    Bridging Finance  ||: Yes own customers - refer
    Flexible facility ||: Yes
    Equity Release    ||: Yes
    Further Advances  ||: Yes
    Minimum Term      ||: 5 years
    Maximum Term      ||: 30 years
    Split Loans       ||: Yes
    Secured Loans     ||: Yes
    Second Charges    ||: Yes
    Reference Fee     ||: No
    Telegraphic Transfer||: No
    
    
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