Mortgage you can live with | Legal Fees | Ulster Bank

Ulster Bank Mortgages

Help for the buyers

Our €1,500 offer towards your legal fees makes buying your perfect home even easier

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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.

We offer €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 offer must be issued by 31 December 2018

 

€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

 

Am I 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

 

Excludes home mover mortgage where entire balance is on a historic ported product or 10 year tracker, further advance, negative equity, retention and transfer of title mortgages

 

The maximum mortgage available for First Time Buyers is up to 90% of purchase price or the value of the property, whichever is lower

 

For home movers a maximum Loan to Value of 80% applies - these limits may vary

 

For mortgage switchers a maximum Loan to Value of 90% applies, which reduces to 80% if you want a borrow more than your current mortgage balance

 

Buy to Let, negative equity mortgages and mortgages in arrears are excluded from these Loan to Value limits

 

Getting started is easy...

Our mortgage calculator

You can use our mortgage calculator to view our range of mortgage rates and find a mortgage you can live with.

Request a call back

We will call you to discuss your mortgage needs and answer any questions you may have.

You can book an appointment with one of our branches or talk to our mortgage team via web chat or phone.

Book an appointment
Get in touch Call us today

Please call us on 1850 424 365 to make an appointment

 

Lines are open: 

Mon to Fri 8am - 8pm
(excluding bank holidays).

Calls may be recorded.

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.

€1,500 Legal Fees Contribution Offer

Following mortgage drawdown €1,500 will be transferred into the customer’s current account from which the mortgage payment is made within two months. Payment will not be made if mortgage is not drawn down. Offer runs from 13 March 2015 to 30 of June 2019 and can be withdrawn or extended at any stage at sole discretion of Ulster Bank. Mortgage Application must be submitted within this period to be eligible. €1,500 payment is a contribution towards the customer’s legal fees. Where legal fees have already been paid by the customer, the €1,500 is a reimbursement of fees incurred. Offer not available where the customer is borrowing (1) less than €40,000 at our fixed or variable rates or (2) where the loan is more than 90% or (3) on offset mortgages, negative equity rates, or where the customer is seeking only to transfer title.

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