Manage your mortgage

You can view your mortgage balance online by logging into Manage my Mortgage. You will need your mortgage account number, your surname and date of birth.

Log in to Manage my Mortgage

You may also be able to view your up to date mortgage balance by logging into Anytime Banking.

Find out how to register for Anytime Banking

Alternatively, 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

Try our overpayment calculator to see how much you could save by making either extra monthly payments or paying a lump sum to your capital repayment mortgage.

Mortgage Overpayment Calculator

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

Log in to Manage my Mortgage. Select “My payments and services” and then “Make an overpayment or missed mortgage payment”.

Log in to Manage my Mortgage

Alternatively, 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

Log in to Manage my Mortgage . Select “My payments and services” and then “Change payment date”.

Log in to Manage my Mortgage

Alternatively, 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

Log in to Manage my Mortgage.  Select “My payments and services” and then “Change payment account”.

Log in to Manage my Mortgage

Alternatively, call us on:

Phone:  01 709 2500

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

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

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

Visit Mortgage Arrears Support for help

We understand your circumstances may have changed and that you wish to change the ownership of your mortgaged property.

Find out more about our Home Mover mortgages

If you wish to change the ownership of your mortgaged property, you can contact our team on the number below:

Phone: 1800 435 763


Opening hours:
Monday, Tuesday, Thursday and Friday 9am to 5pm
Wednesday 9:45am to 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.  You can choose to either:

• Let your rate switch to our flexible Standard Variable Rate.  As Standard Variable Rate is 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.
• Or choose from one of our other fixed or variable interest rates options.

If you choose a Fixed Rate now, Ulster Bank will have completed the transfer of your mortgage to another provider by the time your new fixed rate expires. In this scenario, you will receive advance notice from your new mortgage provider prior to your rate expiring, advising of the rate options available to you.

If you are currently on a Variable Rate or our Standard Variable Rate (SVR) and wish to switch your mortgage to a different deal, or you just want a look at what we have on offer, you can contact your local branch or contact us and we will provide you with a list of options available to you and the estimated monthly payment on each.  If you would like the 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:

• 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.) 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 contact your local branch to discuss any alternative rates which may be more appropriate for you or 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.

Book an appointment

Request a callback