Ulster Bank Switch or Move | Ireland’s Lowest 4 & 7 Year Fixed Rate

Ulster Bank Mortgages - Ireland's Lowest Fixed Rate mortgage at 2.6% for 4 years

Ireland's Lowest 4 & 7 Year Fixed Rates

Available on mortgages above 60% loan to value

Request a call back from our dedicated Mortgage team Please read Important
Information about our mortgages

Maximum loan to value is 90%.  Lending criteria, terms and conditions apply.  Over 18’s and residential mortgages only. Product fees may apply. Security, buildings insurance and life cover are required.


We currently have the lowest 4 and 7 year fixed rates on the market

Available on mortgages above 60% loan to value.

Source: bonkers.ie, Mortgage Comparison, 1st October 2019, www.bonkers.ie/compare-mortgages

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.

€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 Offer runs from 13 March 2015 to 31st December 2019 and can be withdrawn or extended at any stage at sole discretion of Ulster Bank.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.

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.


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