You can request a mortgage statement by completing the below form. You will need your mortgage account number, name and phone number.

Complete our online form

If you want to pay your mortgage off in full, or are in the process of remortgaging to another provider, you will need a redemption statement, sometimes this is also known as a final settlement letter.

This will typically contain your current mortgage balance, outstanding interest, daily rate of interest, early redemption fees and closure fees (if applicable). Your redemption statement is valid for 4 weeks from the issue date.

Please call our team to request this on the number below:

Phone:  01 709 2500

Opening hours:
Mon-Fri 9am-5pm
Excluding public holidays
Calls may be recorded

You can request a breakage fee by completing the below form. You will need your mortgage account number, name and phone number.

Complete our online form

You can request a redemption figure by completing the below form. You will need your mortgage account number, name and phone number.

Complete our online form

You would like to check your mortgage balance 

Call our team on:

Phone: 01 709 2500

Opening hours:
Mon-Fri 9am-5pm
Excluding public holidays
Calls may be recorded

How to make an overpayment

There are two main ways to make an overpayment into your mortgage:

1. Making a lump sum payment or 
2. Making regular extra monthly overpayments

Please note that making an overpayment will not reduce your contractual mortgage term. If you would like to do this please call us on 01 7092500 or 0818 210 275.

Fixed rate mortgages

An early redemption charge is due if you repay all or part of your fixed rate mortgage before the end of the set fixed period. However, in addition to your scheduled repayments, you can make an overpayment of up to 10% of your balance in each calendar year without any penalty.

There are no early redemption charges if you are on a tracker rate or a flexible variable rate mortgage.
  

Make an overpayment

Call us on:

Phone:  01 709 2500

Opening hours:
Mon-Fri 9am-5pm
Excluding public holidays
Calls may be recorded

If you want to change the date that your mortgage repayment is made we could make the change within 5 working days.

How to request a change to my mortgage repayment date

Call us on:

Phone:  01 709 2500

Opening hours:
Mon-Fri 9am-5pm
Excluding public holidays
Calls may be recorded

If you want to change the account that your mortgage Direct Debit comes from we could make the change within 5 working days.

How to change the account my mortgage repayment is taken from

Call us on:

Phone:  01 709 2500

Opening hours:
Mon-Fri 9am-5pm
Excluding public holidays
Calls may be recorded

Please call our team to arrange repayment of your mortgage in full on the number below:

Phone:  01 709 2500

Opening hours:
Mon-Fri 9am-5pm
Excluding public holidays
Calls may be recorded

If your current deal is coming to an end, we will write to remind you 60 days in advance to let you know you will be moving to the follow on variable rate as per your Terms & Conditions.

• As Standard Variable Rate and Managed Variable Rates are not linked to the European Central Bank (ECB) base rate, the rate can increase or decrease at any time even if there is no change in the ECB base rate.

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 house is worth the value of your home and outstanding balance on your mortgage.)
• 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.

Visit Mortgage Arrears Support for help