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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.
You can use our mortgage calculator to view our range of mortgage rates and find a mortgage you can live with.
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.
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
Warning: You may have to pay charges if you pay off a fixed – rate loan early.
Warning: The cost of your monthly repayments may increase.
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 4 years at 2.75% and then a variable rate of 3.9% for the remaining 16 years would require 48 monthly payments of €542.17 and 192 monthly payments of €589.76. The total amount payable would be €139,296.08 made up of the loan amount of €100,000 plus interest of €39,258.08 and a security release fee of €38. The Annual Percentage Rate of Charge is 3.5%. After the initial fixed rate period ends, an additional 1% rise in the variable rate would give rise to an additional cost at that time of €43.31 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 13th March 2015 to 31st December 2020 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 on home mover mortgage where any balance is on an historic ported or 10 year Tracker product, Further Advance, Negative Equity, Retentions, and Transfer of Title.