Get A Buy-To-Let Mortgage - Helping You Buy A Rental Property



Important Customer Notice

Update on Ulster Bank Ireland DAC presence in the Republic of Ireland.

For more information please click here.

Maximum loan to value is 70%, this varies by location.  Maximum term is 30 years.  Lending criteria, terms and conditions apply.  Over 18s only.  Republic of Ireland residents only.  Mortgaged property must be in the Republic of Ireland.  Product fees may apply.  Security, buildings insurance and life cover are required.

Warning: Your home or property is at risk if you do not keep up payments on a mortgage or any other loan secured on it.

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.

Considering a buy to let property?

Whether you're just starting or expanding your rental portfolio the key to a successful buy to let investment is to plan your finances and choose the right property.

We have tools and calculators to help you plan and helpful guides to lead you through every step.

View our mortgage rates
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Help for what matters... We now offer €1,500 towards your legal fees

This includes first time buyers, home movers, switchers and buy to let customers for mortgage applications submitted by the 30th June 2021.

Find out more about the offer and who is eligible.

What's the offer & who's eligible?
€1,500 towards your legal fees

What’s the offer

 Offer is available across the Ulster Bank residential and buy to let mortgage product range

 Mortgage application must be submitted by 30th June 2021 

€1,500 payment as a contribution to your legal fees will be made into the current account from which your mortgage payment is made after mortgage drawdown. This amount is fixed and will not change if your legal fees are higher or lower


Who is eligible?

 Any customer taking a new mortgage, including first time buyers, home movers, switchers and buy to let

 Minimum mortgage amount is €40,000 for residential and €50,000 for buy to let

 Where existing customers are taking a Top Up on their mortgage, or moving to a 10 year ECB tracker rate, they can avail of the offer so long as they are borrowing at least an additional €40,000 at our fixed or variable rates, and the new Loan to Value will be no more than 90%.

 Otherwise, the offer excludes customers taking 10 year ECB tracker rates, top up / further advance, offset mortgages, negative equity rates, or seeking only to transfer title.

Request a call back
from a mortgage specialist

Why choose us?

  • Flexible lending criteria means we don't just take your potential rental income into account - If you have other disposable income available we will include that in calculating how much we can lend
  • We'll lend on up to three properties, up to a maximum of €1,000,000 - We allow up to five properties in your overall property portfolio
  • Maximum term is 30 years for our capital and interest repayment investment mortgage - The minimum term of the mortgage is 5 years and is subject to serviceability after retirement age
  • Maximum loan to value is 50% - if the property being purchased is in the cities of Dublin, Cork, Galway or Limerick the maximum loan to value permitted is 70%
  • We're ready to meet you at your local branch with many of our branches are open Saturday mornings. Or one of our Mortgage Specialists will contact you at a time that you request on the phone if you request a call back. 
Request a Call Back

About our mortgages

Fixed rate mortgages

Our fixed rate mortgages may make budgeting a little easier as the repayment amount is fixed for an initial term

Find out more

Variable rate mortgages

A Variable Rate Mortgage may provide you with more flexibility to make regular overpayments and lump sum payments.  The interest rate can change during the life of the mortgage.  If interest rates rise, the monthly payments will increase. 

Find out more

Eligibility criteria

Find out about our eligibility criteria including how much you could borrow and for how long

Find out more


Getting started is easy Tools and calculators

Use our mortgage calculators to find out how much you could borrow and find a mortgage to suit you. Also see you much you could save if you make an overpayment.


Buy to Let Helpful Guides
Couple in branch with mortgage specialist The buy to let process

From working out what you can afford to finding tenants

Man browsing on tablet Landlords Checklist

Keep track of your responsibilities with this handy checklist

Man looking at invoice Costs to consider when buying a rental property

Other costs you'll need to factor into your plans

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