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 (to be renamed to Flexible Mortgages from 23rd May 2024) and product switch applications.
For customers due to transfer to AIB, the next phase of Mortgage Loan transfers to AIB is expected to take place in the second half of 2024 and you will be able to progress any additional lending requests with AIB after your mortgage has transferred.
If you require any further information, please contact us on 0818 210 275 or 00353 818210275 if you are calling from abroad
Important customer notice:
Due to the closure of Ulster Bank, the Manage my Mortgage portal will no longer be available from the end May 2024. 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.
Switch to a new mortgage product
If your rate is up for renewal, have a look at how we could help
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: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED RATE MORTGAGE EARLY
VARIABLE RATE LOANS: THE PAYMENT RATES IN THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME
If your current product is coming to an end
If your current deal is coming to an end, we will write to remind you 60 days in advance.
Your rate will follow on to the Variable Rate as outlined in your Terms & Conditions. Follow on Variable rates are not linked to the European Central Bank (ECB) base rate or SVR, therefore the rate can increase or decrease at any time even if there is no change to either of these rates.
Keep your mortgage under review
You should always keep your mortgage arrangements under review as there may be other options that could provide savings for you. This will depend on specific factors such as:
- Your Loan to Value (which is how much you owe on your mortgage in relation to how much your property is worth).
- The amount of your borrowing.
- Whether you choose a fixed or variable rate (Ulster Bank does not offer alternative rates.)
You might be able to avail of lower interest rate from another lender based on an up to date valuation of your property.
You can visit the Competition and Consumer Protection Commission's website for more information on switching lenders and changing mortgage type here.