History of AIB Standard Variable Mortgage Rate

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PFS7979

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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?
 
pclarkeo said:
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?
Click to expand...
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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