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To refinance in Irish (athmhaoinigh): Meaning, Conjugation, Examples

The Irish for to refinance is athmhaoinigh; ag athmhaoiniú is refinancing.
Updated October 2026Report a mistake

How to say “to refinance” in Irish

Irish:
athmhaoinigh
English:
to refinance
Word type:
verb, second-conjugation
Verbal noun:
athmhaoiniú (ag athmhaoiniú, refinancing)
Verbal adjective:
athmhaoinithe
Pronunciation:
“AH-wee-nee”  /ˈahwiːnʲiː/

What does “athmhaoinigh” mean?

to refinance
To finance something again, especially to replace an existing loan or mortgage with a new one.Also: remortgage, re-fund.

“Athmhaoinigh” in the different tenses

Every form follows An Caighdeán Oifigiúil.

Aimsir Chaite (Past)

PersonPositiveNegativeQuestion
mé (I)D'athmhaoinigh méI refinancedNíor athmhaoinigh méI did not refinanceAr athmhaoinigh mé?Did I refinance?
tú (you)D'athmhaoinigh túYou refinancedNíor athmhaoinigh túYou did not refinanceAr athmhaoinigh tú?Did you refinance?
sé / sí (he / she)D'athmhaoinigh sé / síHe refinancedNíor athmhaoinigh sé / síHe did not refinanceAr athmhaoinigh sé / sí?Did he refinance?
sinn (we)D'athmhaoiníomarWe refinancedNíor athmhaoiníomarWe did not refinanceAr athmhaoiníomar?Did we refinance?
sibh (you, plural)D'athmhaoinigh sibhYou refinancedNíor athmhaoinigh sibhYou did not refinanceAr athmhaoinigh sibh?Did you refinance?
siad (they)D'athmhaoinigh siadThey refinancedNíor athmhaoinigh siadThey did not refinanceAr athmhaoinigh siad?Did they refinance?
saorbhriathar (autonomous)AthmhaoiníodhNíor athmhaoiníodhAr athmhaoiníodh?

Aimsir Láithreach (Present)

PersonPositiveNegativeQuestion
mé (I)AthmhaoinímI refinanceNí athmhaoinímI do not refinanceAn athmhaoiním?Do I refinance?
tú (you)Athmhaoiníonn túYou refinanceNí athmhaoiníonn túYou do not refinanceAn athmhaoiníonn tú?Do you refinance?
sé / sí (he / she)Athmhaoiníonn sé / síHe refinancesNí athmhaoiníonn sé / síHe does not refinanceAn athmhaoiníonn sé / sí?Does he refinance?
sinn (we)AthmhaoinímidWe refinanceNí athmhaoinímidWe do not refinanceAn athmhaoinímid?Do we refinance?
sibh (you, plural)Athmhaoiníonn sibhYou refinanceNí athmhaoiníonn sibhYou do not refinanceAn athmhaoiníonn sibh?Do you refinance?
siad (they)Athmhaoiníonn siadThey refinanceNí athmhaoiníonn siadThey do not refinanceAn athmhaoiníonn siad?Do they refinance?
saorbhriathar (autonomous)AthmhaoinítearNí athmhaoinítearAn athmhaoinítear?

Aimsir Fháistineach (Future)

PersonPositiveNegativeQuestion
mé (I)Athmhaoineoidh méI will refinanceNí athmhaoineoidh méI will not refinanceAn athmhaoineoidh mé?Will I refinance?
tú (you)Athmhaoineoidh túYou will refinanceNí athmhaoineoidh túYou will not refinanceAn athmhaoineoidh tú?Will you refinance?
sé / sí (he / she)Athmhaoineoidh sé / síHe will refinanceNí athmhaoineoidh sé / síHe will not refinanceAn athmhaoineoidh sé / sí?Will he refinance?
sinn (we)AthmhaoineoimidWe will refinanceNí athmhaoineoimidWe will not refinanceAn athmhaoineoimid?Will we refinance?
sibh (you, plural)Athmhaoineoidh sibhYou will refinanceNí athmhaoineoidh sibhYou will not refinanceAn athmhaoineoidh sibh?Will you refinance?
siad (they)Athmhaoineoidh siadThey will refinanceNí athmhaoineoidh siadThey will not refinanceAn athmhaoineoidh siad?Will they refinance?
saorbhriathar (autonomous)AthmhaoineofarNí athmhaoineofarAn athmhaoineofar?

Modh Coinníollach (Conditional)

PersonPositiveNegativeQuestion
mé (I)D'athmhaoineoinnI would refinanceNí athmhaoineoinnI would not refinanceAn athmhaoineoinn?Would I refinance?
tú (you)D'athmhaoineofáYou would refinanceNí athmhaoineofáYou would not refinanceAn athmhaoineofá?Would you refinance?
sé / sí (he / she)D'athmhaoineodh sé / síHe would refinanceNí athmhaoineodh sé / síHe would not refinanceAn athmhaoineodh sé / sí?Would he refinance?
sinn (we)D'athmhaoineoimisWe would refinanceNí athmhaoineoimisWe would not refinanceAn athmhaoineoimis?Would we refinance?
sibh (you, plural)D'athmhaoineodh sibhYou would refinanceNí athmhaoineodh sibhYou would not refinanceAn athmhaoineodh sibh?Would you refinance?
siad (they)D'athmhaoineoidísThey would refinanceNí athmhaoineoidísThey would not refinanceAn athmhaoineoidís?Would they refinance?
saorbhriathar (autonomous)D'athmhaoineofaíNí athmhaoineofaíAn athmhaoineofaí?

“Athmhaoinigh” in a sentence: Irish examples

Past, present, future and conditional, with a negative and a question.

D'athmhaoinigh siad an morgáiste anuraidh.
They refinanced the mortgage last year.
Athmhaoiníonn an banc iasachtaí do ghnólachtaí beaga.
The bank refinances loans for small businesses.
Athmhaoineoidh an comhlacht a fhiacha an bhliain seo chugainn.
The company will refinance its debts next year.
D'athmhaoineodh sí an teach dá mbeadh an ráta níos ísle.
She would refinance the house if the rate were lower.
Níor athmhaoiníomar an iasacht fós.
We haven't refinanced the loan yet.
Ar athmhaoinigh tú do mhorgáiste?
Did you refinance your mortgage?

Other verbs in Irish

More everyday Irish verbs to learn next.

To refinance in Irish: frequently asked questions

What is the Irish for to refinance?

The Irish for to refinance is athmhaoinigh (pronounced “AH-wee-nee”). It is a second-conjugation verb; the verbal noun is athmhaoiniú.

What is the verbal noun of athmhaoinigh?

The verbal noun of athmhaoinigh is athmhaoiniú, used after ag for the continuous: ag athmhaoiniú (refinancing). The verbal adjective is athmhaoinithe.

How do you say athmhaoinigh in the past and the future?

Past: D'athmhaoinigh mé; negative Níor athmhaoinigh mé; question Ar athmhaoinigh mé?. Future: Athmhaoineoidh mé; negative Ní athmhaoineoidh mé; question An athmhaoineoidh mé?.

What is the modh coinníollach of athmhaoinigh?

The conditional (modh coinníollach) first person is D'athmhaoineoinn (I would refinance); negative Ní athmhaoineoinn; question An athmhaoineoinn?.

How is 'athmhaoinigh' formed?

It is the verb 'maoinigh' (finance) with the prefix 'ath-' meaning 're-', which lenites it: 'athmhaoinigh', refinance.

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