NIB vs AIB for mortgage

D

dec1

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I have applied for a mortgage with both AIB and NIB and expect to shortly receive approval from both.

Any thoughts on which would be the one to go for?

At the moment AIB are offering a slightly longer tern and a rate of 3.54%. NIB are offering a 5 year shorter term and their rate is 3.9%. On the face of it AIB looks like the way to go but have you any thoughts on how this may change into the future?

Thanks
 
Nobody can give you an accurate answer on how variable rate mortgages will change in the future. However, given that AIB is now a State owned bank and the rate and term now offered appear to be more beneficial to you, I'd suggest that you go with their offer.
 
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