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Repayments Calculator

Whether you're moving house, a first time buyer, remortgaging or renewing your fixed rate with Ulster Bank, our mortgage calculator can help you. Review rates, compare mortgages and find out how much your repayments are likely to be with our easy-to-use calculator.

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What we could lend you…

Based on the information you have supplied and repaying on a capital and Interest basis over 25 years.


You could borrow approximately

(purchase only)

Recalculate

We may be able to lend you up to . All figures are for illustrative purposes only and not a formal quotation or commitment to lend. This will be dependant on your financial situation, property value and the size of your deposit or equity. To get more information on how much you could borrow, please contact us or visit your nearest branch to make an appointment with one of our Personal Mortgage Advisers.

Please select a buyer type.

Please enter property value

A minimum deposit/equity of 10% is required

Please select a repayment type.

Only available on a Capital and Interest basis.

Please select mortgage type.

View all our mortgage rates

Important Information – Make sure you read before you make a decision

We hope you found this tool useful. Our mortgage calculator is designed to give you an indication of the monthly repayment for a mortgage based on the information you have given us about the property you want to buy and the deposit you have saved.
Please note the following:

  • Lending criteria, terms and conditions apply. Over 18s only and Republic of Ireland residents only. Mortgaged property must be in Republic of Ireland. Security, buildings insurance and life cover required.
  • *APRC is Annual Percentage Rate of Charge.
  • Our Loyalty rates are available to Ulster Bank current account customers with an income mandated to their current account.
  • For First Time Buyers, our 2 year fixed rate and 4 year fixed rate are available to customers with a maximum Loan to Income ratio of 3.5 (using Income as determined for the mortgage application process) and a maximum Loan to Value of 90%.
  • For customers switching their mortgage from another lender, but not seeking any additional top-up on their mortgage, our 2 year fixed rate and 4 year fixed rate are available to customers with a maximum Loan to Value of 90%.
  • For all other customers, our 2 year fixed rate and 4 year fixed rate are available to customers with a maximum Loan to Income ratio of 3.5 (using Income as determined for the mortgage application process) and a maximum Loan to Value of 80%.
  • Our 5 year fixed High Value rate is available to customers who are borrowing €500,000 or more, with a maximum Loan to Value of 80%.
  • The amounts shown are only a guide based on the information you have given and are subject to change.
  • This is not an approval in principle nor an offer of a loan, please talk to us if you would like a full quotation.
  • This information does not contain all of the details you need to choose a mortgage.
  • Full details are provided when you request an approval in principle or make an application for a mortgage in branch.

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.

If you choose a fixed rate mortgage:
Warning: You may have to pay charges if you pay off a fixed rate loan early.
If you choose a variable interest rate loan:
Variable rate loans: The payment rates on this housing loan may be adjusted by the lender from time to time.

Variable Rate Representative Example

Assuming a total amount of credit of €100,000 repayable over 20 years at a borrowing rate of 4.3% (variable), the cost per month is €621.90 excluding insurance. The total amount to be repaid is €149,294 which includes a release of security fee of €38. The Annual Percentage Rate of Charge is 4.4% (variable). The additional cost per month of a 1% rise in the rate of interest of such a mortgage is €54.74 and would be payable monthly. The above quotation is for illustrative purposes only.

Fixed Rates Representative Example

Assuming a total amount of credit of €100,000 repayable over 20 years, initially on a fixed rate for 3 years at 2.99% and then our Standard Variable Rate of 4.3% for the remaining 17 years would require 36 monthly payments of €554.10 and 204 monthly payments of €612.48. The total amount payable would be €144,932.90 made up of the loan amount of €100,000 plus interest of €44,894.90 and a security release fee of €38. The Annual Percentage Rate of Charge is 4.0%. After the initial fixed rate period ends, an additional 1% rise in our Standard Variable Rate would give rise to an additional cost at that time of €46.86 monthly. The above quotation is for illustrative purposes only.

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.

Ulster Bank Ireland DAC. A private company limited by shares, trading as Ulster Bank, Ulster Bank Group, Banc Uladh, Lombard and Ulster Bank Invoice Finance. Registered in Republic of Ireland. Registered No 25766. Registered Office: Ulster Bank Group Centre, George’s Quay, Dublin 2 D02 VR98. Ulster Bank Ireland DAC is regulated by the Central Bank of Ireland. Calls may be recorded.