Submitting an application with us

Digital Mortgage Application Submission - Frequently Asked Questions

• I have forgotten my password – what do I do?

  On your login page, click the ‘Forgot Password’ link and follow the instructions to reset your password. If you do not receive a password reset email, please contact strategy&engagement@aib.ie

• Do I still need to complete an AIB (NI) Affordability Calculator before I submit a digital application?

  We always recommend that you do complete an Affordability Calculator prior to submitting a digital application. This can be found here: Affordability Calculator (aibni.co.uk)

• What documents are required for my case to be classed as ‘fully packaged’?

  Please see our Fully Packaged Case Checklist here.

• My client is married but wants to submit a single application. Is this possible?

   Yes. You should submit the application, treating the customer as single. You can disclose the partners details in the additional notes section at the end of the journey. Please ensure that you check affordability by completing an Affordability Calculator as a join application, prior to beginning the digital application journey.

• My client has debts that will be cleared prior to completion. Can I still submit a digital application?

  If the customer intends to clear these debts prior to completion of the new mortgage, you can still submit your customer’s case with us. The DIP will assume these commitments are continuing. If it is not affordable until these debts are cleared, we still may be able to process your application.

  Call our team directly through our Runby desk on 028 90479100. We can talk you through your options, which could include submitting your case via our paper application form.

• Remortgage Applications – Existing Mortgages

  Please note on our ‘existing’ mortgages page at the beginning of the application journey, only enter the following; details of any second home used for residential purposes. Please do not include details of the mortgage to be re-financed, any properties to be sold prior to completion of this property, or any BTL properties.

• I haven’t been asked to enter credit commitments prior to getting a DIP – is this correct?

  Yes. You will be asked to input all of your customers credit commitments post-DIP stage of the platform. Our DIP pulls credit information from the Credit Reference Agency.

• I have generated a DIP for my client, but need to go back and edit some of the details. Can this be done?

  No, you will need to start a new application and generate a new DIP.

• I have got a DIP for my clients, but the Affordability Calculator says ‘Criteria Not Met’. What does this mean?

  The DIP is based on Gross income and does not take a deduction for pension.  IF a customer has a significant pension deduction you may wish to reduce the gross salary by this amount.

• Where can I find the loan amount figure that my client was initially approved for at DIP stage?

  We would encourage you to download a copy of the DIP for your records. This will show the maximum loan amount and borrowing term available to your clients.

• After the DIP stage, the system won't let me progress past the ‘Mortgage Term’ screen. No matter what I type in, I can’t progress on to the next stage.

  This could be because one of the applicants is unemployed/does not work. The system is therefore not able to generate a retirement age in the background and allow you to input a term for the mortgage.

  If this is the case, you can either:

  • Go back and change the working status of the unemployed applicant to ‘employed’ and leave their salary as £0. The system will be able to generate a retirement age for that applicant and allow you to input a mortgage term.
  • Submit a paper application form
• What does AIB (NI) classify as ‘essential expenses’?

  You should include your customers basic living requirements, such as food/groceries, basic clothing requirements, essential travel and utilities (het, electric etc.). We will take the higher of what your customer has stated, or an assumption based on the Office of National Statistics (ONS) assessments. Please do not include any discretionary spends such as TV packages, holidays, entertainment, luxury items, committed facilities, loans or credit cards, property rates or home insurance.

• When I get to the ‘Product Selection’ page, only 5-Year products are showing. Why is this?

  The system will only display products that are affordable for your clients, based on the figures input throughout the application.

• I accidentally exited the system before hitting ‘submit’ at the end of my application. Has all my work been lost?

  No, the system will have saved most of the details input throughout the application.

• Can I add additional notes to my application?

  Yes, there is a ‘Supporting Notes’ section at the end of the application which allows you to provide additional information. Please note, once you hit ‘Submit’, this section is no longer editable.

• How do I know that the documents have been uploaded to the system?

  Once you have selected your documents and they are showing as a list on screen, we will automatically receive them along with your application.