- You have an Offset or Tracker Mortgage
- You are on a Fixed Rate Mortgage
- You are having difficulties meeting your current monthly repayments
From 10th June 2022 Ulster Bank is no longer accepting new Mortgage applications with the following exceptions.
Existing Mortgage customers can continue to apply for a Top Up Mortgage until the 26th August 2022.
Existing Tracker & Offset Mortgage customers can continue to apply for a Mortgage loan offer to move property or a Top Up Mortgage until further notice.
Announcement by ECB of a rate increase
The European Central Bank (‘ECB’) announced an increase of 0.75% to 1.25% on 8th September 2022. We will write to all of our impacted customers within 10 business days of this announcement to provide specific information on the change to their tracker mortgage product rate and what this will mean for their monthly mortgage payment.
Please Note: this change will only impact ECB Tracker Mortgages.
You can continue to review your current rate and monthly repayment by logging on to Manage My Mortgage at www.ulsterbank.ie/mortgages/manage-your-ulster-bank-mortgage.html
If you want to get in touch with us to request a Fixed Rate Quote or breakage fee or wish to order a statement please email: ECBRateIncrease@ulsterbank.com and include your name, account number and contact details. A member of our team will be in touch you within 48 hours.
If you feel that you may have difficulty repaying your mortgage, we’re here to help. You can call our Arrears Support 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 for 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: 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
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:
Please note our online service is unavailable from 5am to 7am due to routine maintenance.
If your current product is coming to an end, we will write to remind you 60 days in advance. You can choose to either:
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.
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:
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.