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3 hour loan determination applies to fully accomplished new personal mortgage applications processed within 3 hours 9am-5pm, Mon-Fri excl. bank holidays. Loans from €1,000-€30,000. Excludes applications: to restructure or clear present AIB credit services; acquired by means of Branch and referred to a lender for review, from prospects in monetary issue; for Scholar and First loans; applications by means of Enterprise Centres; or where whole borrowings exceed €100,000 (excluding Home Loan debt up to €600,000).

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