For a limited period, we are offering €2,000 cash-back to First Time Buyers, when we arrange a mortgage for them with AIB.  The loan offer must be issued before the end of February 2007 and the mortgage must be drawn down by the end of December 2007.  The cheque for €2,000 can be claimed by the customer after their mortgage cheque has issued.  While AIB may not have the most competitive rates for all First Time Buyers, for a majority of mortgage applications that we have looked at, the €2,000 cash-back more than compensates the client for any differential in repayments betwee the market leader and AIB.  However, as with all mortgage applications we deal with, we will look at all the lenders on our panel (see Lender Choice button on left) and establish which is the most suitable for the clients' needs.