BOI vs AIB for VR mortgage

Looking for FTB mortgage and in good position. Seems AIB and BOI have best variable rates at the moment and both in principle seem happy with figures.

Any thoughts on which might be better to go for (expectations for future interest rate pressure given ownership etc.) and whether one is better to deal with than other.

Also, any reason not to apply to both and see what comes out?

BOI seem willing to lend a bit more over a longer period.

Thanks for any ideas.

AIb mortgage age limit is 65
BOI mortgage age limit is 70.

Sutle differences

I must be reading things wrong - are AIB not currently 3.24% and BOI 3.75%?

If so, it's a no brainer - but I am no wizz on mortgages so I could be hamstring over bicep about that

jameshayes said:

I must be reading things wrong - are AIB not currently 3.24% and BOI 3.75%?

If so, it's a no brainer - but I am no wizz on mortgages so I could be hamstring over bicep about that

Click to expand...

Yes they are the rates. AIB currently the cheapest on the market

But those rates can change so if there is a few months between getting approval and actually drawing down the mortgage, the rates may change so it'd be good to get approval from both so you can choose closer to the time.