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

Supporting you through our phased withdrawal

Struggling Financially - Help and Support

Important Information About Our Mortgages

Ulster Bank Review of Mortgage Accounts

Ulster Bank has identified a mortgage system-generated error which has impacted certain current and former customer mortgage accounts, discovered as part of its phased withdrawal from the Republic of Ireland.

The error had an impact on the amount of mortgage interest that accrued on the mortgage balance and, in some cases, affected the phasing of customer Normal Monthly Repayments (NMR). The error did not impact the total amount of capital to be repaid on the mortgage or the rate of interest charged.

Ulster Bank would like to sincerely apologise for this issue.

What is Ulster Banking doing to fix this issue?

Ulster Bank will make a payment to ensure no customer or former customer is out of pocket as a result of this issue. Customers will receive a letter explaining how their mortgage has been impacted and detailing the payment that will be made to them.

When will I know if I have been impacted by this issue?

We want to ensure that we do the right thing for our customers, so we are carrying out a comprehensive review of mortgages that may be impacted. This is being done on a phased basis and any impacted customers will receive a letter over the next several months explaining how mortgage accounts have been affected and detailing the payments to be made. There is no further action for you to take at this time.

Who do I contact for more information?

Ulster Bank is correcting this issue for current and former customers. Your letter will outline the issue and detail of the payment that will be made. If you have any further queries on this error, you can contact us by:

Calling us on 1800 719 874 (or 00 353 1 531 7180 if calling from abroad). Calls are free of charge from anywhere in the Republic of Ireland (including mobiles). Lines are open from 9.00 a.m. – 5.00 p.m. Monday to Friday, excluding Bank Holidays. Calls are recorded for training and monitoring purposes; or
Writing to us at Ulster Bank Ireland DAC, FAO: ALP, PO Box 5168, Ballyogan, Dublin 18.
Complete this query form and we will contact you:

Who do I contact for more information if my mortgage has transferred to another institution?

If your mortgage has transferred to another financial institution you should still contact us if you have any further queries. You can contact us by:

Calling 1800 719 874 (or 00 353 1 531 7180 if calling from abroad). Calls are free of charge from anywhere in the Republic of Ireland (including mobiles). Lines are open from 9.00 a.m. – 5.00 p.m. Monday to Friday, excluding Bank Holidays. Calls are recorded for training and monitoring purposes; or

Writing to us at Ulster Bank Ireland DAC, FAO: ALP, PO Box 5168, Ballyogan, Dublin 18.

We Can Help With

Requesting a mortgage statement . (You will need your mortgage account number, name and phone number.)
Requesting a breakage fee . (You will need your mortgage account number, name and phone number.)
Looking for your current mortgage rate options
Requesting a Redemption Statement (You will need your mortgage account number, name and phone number.)

Complete our online form

Check my Mortgage balance

Make an overpayment on my mortgage

How to make an overpayment

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

Making a lump sum payment or
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

Change the date my mortgage repayment is made

Change the account my mortgage repayment is taken from

Repay my mortgage in full

Review my current rates

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.

Discuss my options as I'm having trouble paying my mortgage

Important Information about our Mortgages

You can read important information on our mortgages here.

Mortgages Transferred to Dilosk trading as ICS Mortgages

ICS Mortgages can help you with any queries you have about your Mortgage Loan and can be contacted using the following details:

Telephone : 0818 542 542 or 00353 818 542 542 if calling from abroad

Postal Address : PO Box 1077, Maynooth, Co. Kildare

Mortgages Transferred to AIB

AIB can help you with any queries you have about your Mortgage Loan and can be contacted using the following details.

Telephone : +353 (0) 818 251 008 (Open Monday-Friday, 9am-5pm)

Postal Address : AIB plc, PO Box 13606, Dublin 2

Need additional support?

If you need support, are in financial difficulty or in a vulnerable situation, we are here to help you with your banking needs and queries.

Please call us on 0818210275 (00353 818210275 if calling from abroad.) Lines are open Monday- Friday 9am – 5pm).