- You have an Offset or Tracker Mortgage
- You are on a Fixed Rate Mortgage
- You are having difficulties meeting your current monthly repayments
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Announcement of cessation of new mortgage business: As of 1st May 2023, Ulster Bank is no longer accepting new mortgage lending applications. 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, though we will consider applications for a Top Up Mortgage from existing customers in certain circumstances.
Further details can be found on our Customer Support Hub here.
Announcement by ECB of a rate increase: the European Central Bank (“ECB”) announced a base rate increase of 0.25% to 4.50% on 14 September 2023. We will write to all of our impacted customers within 10 business days of the announcement to explain what this will mean for their monthly mortgage payment. Please Note: this change will only impact ECB Tracker and Offset Mortgages
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.
Mortgages
Switch to a new mortgage product
If your rate is up for renewal, have a look at how we could help
Lending criteria, terms and conditions apply. Over 18s only and Republic of Ireland residents only. Mortgaged property must be in Republic of Ireland. Security, buildings insurance and life cover required.
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
Get ready to switch your mortgage product
Ready to switch your mortgage to a different product, or just want a look at what we could offer you?
Get started by logging in to "Manage my Mortgage" and get a personalised quote in only a few minutes.
To log in, all you'll need is:
- Your mortgage account number
- Name
- Date of Birth
Please note our online service is unavailable from 5am to 7am due to routine maintenance.
You will need to talk to us if
You can choose to switch online if
- Your current Residential or Buy to Let fixed rate product is coming to an end.
- You are currently on a variable rate product.
If your current product is coming to an end
If your current product is coming to an end, we will write to remind you 60 days in advance. You can choose to either:
- Let your rate switch to the follow on 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.
- Or choose from one of our other fixed or variable interest rate options.
If you are currently on a Variable Rate or our Standard Variable Rate (SVR) and wish to switch your mortgage to a different product, or you just want to look at what we could offer you, you can either log on to Manage my Mortgage or contact us where you will be provided with a list of options available to you and the estimated monthly payment on each. If you would like to see the total interest you would pay on each option, we can provide this to you on request.
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). You may be able to move between Loan to Value interest rate bands subject to the provision of an up to date valuation.
- The amount of your borrowing.
- If you hold your main current account with us.
- Whether you choose a fixed or variable rate.
You should contact us on the number below or log on to Manage my Mortgage to view alternative rates which could provide you with additional savings. If you are not eligible to move to an alternative interest rate with us 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.