Mortgage you can live with | Calc | Ulster Bank

Ulster Bank Mortgages

Help for the movers

Find out how much you can borrow with our handy calculators

Request a callback Please read Important
Information about our mortgages

Security, buildings insurance and life cover required. Over 18s only. Product fees may apply. Maximum loan to value (LTV) is 90%. For First Time Buyers and Switchers (with no top up) a maximum of 90% LTV will apply.  For Home Movers a maximum LTV of 80% applies.

Tools to help you plan What would you like to do?

Compare rates and monthly repayments

Find out how much you could borrow

  • Use this tool to see what your monthly repayments might be
  • You'll need to know what value of property you have in mind or your current property value if thinking about switching
  • We'll need to know how much deposit you have saved or what equity you have on your current home if switching
  • Use this tool to find out how much we might lend you
  • You will need details about your income and monthly outgoing commitments
  • It helps to use this tool if you need to know what your budget is before starting your property search

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.

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 Rate 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 €144,931.52 made up of the loan amount of €100,000 plus interest of €44,893.52 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.

Security, buildings insurance and life cover required. Over 18s only. Product fees may apply. Maximum loan to value (LTV) is 90%. For First Time Buyers and Switchers (with no top up) a maximum of 90% LTV will apply.  For Home Movers a maximum LTV of 80% applies. These limits may vary. Buy to Let, Negative Equity mortgages and Mortgages in arrears are excluded from these LTV limits. Lending criteria, terms and conditions apply. Credit facilities subject to repayment capacity and financial status. Applicant must reside in, and mortgage property must be in, the Republic of Ireland. The loan amount is not based on one fixed formula. Factors reflecting the repayment capacity of each applicant are individually assessed based on a combination of factors including qualifying income, net disposable income and existing commitments.

Set Tab for lightbox