Announcement of cessation of new mortgage business: As of 1st May 2023, Ulster Bank is no longer accepting applications for new mortgage lending. This includes applications to move to a new property or port a tracker rate and applies to all mortgage customers with the exception of existing Offset Mortgage customers and product switch applications.
For existing customers, in certain circumstances we may consider applications for a Top-Up Mortgage. For further information and to discuss your lending needs, please contact us on 0818 210 275.
Further details can be found on our Customer Support Hub here.
Important customer notice:
Due to the closure of Ulster Bank, the Manage my Mortgage portal will no longer be available from the end of May 2024. You may also be able to view your up to date mortgage balance by logging into Anytime Banking or alternatively if you wish to talk to us about your mortgage please phone 01 709 2500. Opening hours: Mon-Fri 9am-5pm Excluding public holidays Calls may be recorded.
If you feel that you may have difficulty repaying your mortgage, we’re here to help. You can call our Arrears Unit on 1800 435 763 or log on to www.ulsterbank.ie/managingdebt where you can leave your details with us and we’ll call you back at a time that’s convenient to you.
WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT
WARNING: IF YOU DO NOT MEET THE REPAYMENTS ON YOUR LOAN, YOUR ACCOUNT WILL GO INTO ARREARS. THIS MAY AFFECT YOUR CREDIT RATING, WHICH MAY LIMIT YOUR ABILITY TO ACCESS CREDIT IN THE FUTURE
WARNING: IF YOU SWITCH TO AN ALTERNATIVE INTEREST RATE, YOU WILL NOT BE CONTRACTUALLY ENTITLED TO GO BACK ONTO A TRACKER INTEREST RATE IN THE FUTURE.
Tracker Mortgage Customers
We understand your circumstances may have changed
Our Tracker & Negative Equity mortgages are for existing tracker mortgage customers who wish to move to a new home and are either on a tracker rate or indeed are both on a tracker rate and in negative equity.
Tracker & Negative Equity excludes investment properties and is only available on your main home.
If you are ready to make a move you could talk to one of our Mortgage Managers and find out how much you could borrow.
Talk to us about your specific needs on 01 7092500 or 0818 210 275..
Our Tracker mortgages could allow existing Tracker Mortgage customers to:
Transfer your negative equity to a new home
Trade down and move to a smaller property with a lesser mortgage
Trade up and move to a larger property with a bigger mortgage
Have a new loan to value (LTV) up to 140%
Extend the term of your mortgage up to 35 years (to maximum age 70)
Change ownership of your mortgaged property
Lending criteria, terms and conditions apply
Important Information for existing tracker rate customers
If you are on a tracker rate and you wish to move home using a Home Mover mortgage, you will lose your right to your tracker rate for the lifetime of your mortgage.
You will have a new mortgage agreement and your monthly repayments, your total amount repayable, and the interest rate on your mortgage may be higher than under your previous mortgage.
We'll make sure all of this is clear to you upfront.