Important Customer Update
From 10th June Ulster Bank ceased accepting new Mortgage applications with some exceptions. For more information on these exceptions, please click here
Announcement by ECB of a rate increase
The European Central Bank (‘ECB’) announced a base rate increase of 0.50% to 3.00% on 2 February 2023. 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 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.


Thinking of making an overpayment
Work out how much interest you could save
Overpayment Calculator Important Information about our mortgagesMortgage overpayment calculator
See how much you could save
Our simple calculator below will give you an indication of how much interest you could save or how much sooner you could pay off your mortgage by making extra payments.
There are a couple of different options you have when making an overpayment - it's important you understand them so you can decide which option is the best one for you.
Making a regular monthly overpayment:
- This is an additional monthly payment made on top of what you are obliged to pay each month
- You can stop making the overpayments at anytime but you must continue to make your normal mortgage payment as usual
- Please note the 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.
Making a one off lump sum overpayment:
- This is an additional payment that you can make at any time
- Please note the 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.
Can I reduce the term of my mortgage?
- You can choose to reduce the term of your mortgage - And pay off your mortgage sooner than the agreed end date, or
- You can choose to reduce your monthly payment - However you won't pay off your mortgage any earlier than the agreed end date
- If you would like to reduce your mortgage term please call us on 01 7092500 or 0818 210 275.