Manage Your Mortgage | Mortgages | Ulster Bank

Woman on chair browsing on laptop

Lending criteria, terms and conditions apply.

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.

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.

Stay in control
Managing your mortgage online

To manage your mortgage online you'll need: your mortgage account number, surname and date of birth.

You'll be able to:

  • Set up a regular overpayment
  • Make a lump sum overpayment
  • Use overpayment calculator
  • Change your payment date
  • Change your payment bank account
  • Set up a direct debit
  • Request a Certificate of Interest
  • View your current balance
  • Check your loan to value amount
  • View how your mortgage is made up
  • Check your monthly payment & due date
  • Switch to a new product

Please note service is unavailable from 5am to 7am. The information shown is updated overnight, so may not include any changes to your mortgage balance today.

Log in
Managing your Mortgage Tools to help you plan

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.

I would like to...

Accordion

Icon expand Check my mortgage balance

You can view your mortgage balance online by logging into Manage my Mortgage. You will need your mortgage account number, your surname and date of birth.

Log in to Manage my Mortgage

You may also be able to view your up to date mortgage balance by logging into Anytime Banking.

Find out how to register for Anytime Banking

Alternatively, call our team on:

Phone: 01 709 2500

Opening hours:
Mon-Fri 9am-5pm
Excluding public holidays
Calls may be recorded

Accordion

Icon expand Make an overpayment on my mortgage

How to make an overpayment

There are two main ways to make an overpayment into your mortgage:

  1. Making a lump sum payment or 
  2. Making regular extra monthly overpayments

Try our overpayment calculator to see how much you could save by making either extra monthly payments or paying a lump sum to your capital repayment mortgage.

Mortgage Overpayment Calculator

Fixed rate mortgages

An early redemption charge is due if you repay all or part of your fixed rate mortgage before the end of the set fixed period. However, in addition to your scheduled repayments, you can make an overpayment of up to 10% of your balance in each calendar year without any penalty.

There are no early redemption charges if you are on a tracker rate or a flexible variable rate mortgage.
  

Make an overpayment

Log in to Manage my Mortgage. Select “My payments and services” and then “Make an overpayment or missed mortgage payment”.

Log in to Manage my Mortgage

Alternatively, call us on:

Phone:  01 709 2500

Opening hours:
Mon-Fri 9am-5pm
Excluding public holidays
Calls may be recorded

Accordion

Icon expand Move house

As an existing mortgage customer, you may be able to take your mortgage deal with you to your new home. This is known as porting. Alternatively, you may prefer to choose a new deal for your mortgage.

If you want to find out more about your options, and which is right for you, book an appointment with one of our Mortgage Specialists.

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.

Accordion

Icon expand Change the date my mortgage repayment is made

If you want to change the date that your mortgage repayment is made we could make the change within 5 working days.

How to request a change to my mortgage repayment date

Log in to Manage my Mortgage . Select “My payments and services” and then “Change payment date”.

Log in to Manage my Mortgage

Alternatively, call us on:

Phone:  01 709 2500

Opening hours:
Mon-Fri 9am-5pm
Excluding public holidays
Calls may be recorded

Accordion

Icon expand Change the account my mortgage repayment is taken from

If you want to change the account that your mortgage Direct Debit comes from we could make the change within 5 working days.

How to change the account my mortgage repayment is taken from

Log in to Manage my Mortgage.  Select “My payments and services” and then “Change payment account”.

Log in to Manage my Mortgage

Alternatively, call us on:

Phone:  01 709 2500

Opening hours:
Mon-Fri 9am-5pm
Excluding public holidays
Calls may be recorded

Accordion

Icon expand Request a redemption statement / final settlement letter

If you want to pay your mortgage off in full, or are in the process of remortgaging to another provider, you will need a redemption statement, sometimes this is also known as a final settlement letter.

This will typically contain your current mortgage balance, outstanding interest, daily rate of interest, early redemption fees and closure fees (if applicable). Your redemption statement is valid for 4 weeks from the issue date.

Please call our team to request this on the number below:

Phone:  01 709 2500

Opening hours:
Mon-Fri 9am-5pm
Excluding public holidays
Calls may be recorded

Accordion

Icon expand Repay my mortgage in full

Please call our team to arrange repayment of your mortgage in full on the number below:

Phone:  01 709 2500

Opening hours:
Mon-Fri 9am-5pm
Excluding public holidays
Calls may be recorded

Accordion

Icon expand Discuss my options as my home is in negative equity

We understand your circumstances may have changed.  Our Home Mover mortgages are available to existing residential customers who wish to move home but have either a loan to value (LTV) of above 90% or are on a tracker interest rate.

Find out more about our Home Mover mortgages


If your home is in negative equity, you can contact your branch to discuss your options or contact our team on the number below:

Phone: 1800 435 763

Opening hours:
Mon-Thu 9am to 7.30pm
Fri 9am to 6pm
Sat 9am to 1pm
Excluding public holidays
Calls may be recorded

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.

Accordion

Icon expand Discuss my options as I'm having trouble paying my mortgage

The number one priority if you are having trouble paying your mortgage is to talk to us. Whether it is because of unemployment, sickness or any other reason, we are committed to acting fairly and finding the best solution.

You can be confident that your individual situation will be dealt with confidentially by specialised staff who will outline the best and most appropriate option for you.

Contact our team on the number below:

Phone: 1800 435 763

Opening hours:
Mon-Thu 9am to 7.30pm
Fri 9am to 6pm
Sat 9am to 1pm
Excluding public holidays
Calls may be recorded

Accordion

Icon expand Change ownership of my mortgaged property

We understand your circumstances may have changed and that you wish to change the ownership of your mortgaged property.

Find out more about our Home Mover mortgages


If you wish to change the ownership of your mortgaged property, you can contact our team on the number below:

Phone: 1800 435 763

Opening hours:
Mon-Thu 9am to 7.30pm
Fri 9am to 6pm
Sat 9am to 1pm
Excluding public holidays
Calls may be recorded

 

Accordion

Icon expand Review my current rates

If your current deal is coming to an end, we will write to remind you 60 days in advance.  You can choose to either:

  • Let your rate switch to our flexible Standard Variable Rate.  As Standard Variable Rate is not linked to the European Central Bank (ECB) base rate, the rate can increase or decrease at any time even if there is no change in the ECB base rate.
  • Or choose from one of our other fixed or variable interest rates options.

If you are currently on a Variable Rate or our Standard Variable Rate (SVR) and wish to switch your mortgage to a different deal, or you just want a look at what we have on offer, you can contact your local branch or contact us and we will provide you with a list of options available to you and the estimated monthly payment on each.  If you would like the see the total interest you would pay on each option, we can provide this to you on request.

You should always keep your mortgage arrangements under review as there may be other options that could provide savings for you.  This will depend on specific factors such as:

  • Your Loan to Value (which is how much you owe on your mortgage in relation to how much your house is worth the value of your home and outstanding balance on your mortgage.) You may be able to move between Loan to Value interest rate bands subject to the provision of an up to date valuation.
  • The amount of your borrowing
  • If you hold your main current account with us
  • Whether you choose a fixed or variable rate

You should contact us on the number below or contact your local branch to discuss any alternative rates which may be more appropriate for you or could provide you with additional savings.  If you are not eligible to move to an alternative interest rate with us you might be able to avail of lower interest rate from another lender  based on an up to date valuation of your property.

You can visit the Competition and Consumer Protection Commission's website for more information on switching lenders and changing mortgage type here.

 

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.

Helpful guides

Mother & daughter working at desk Common questions

Answers to questions we are asked most often about mortgages.

Row of terrace houses Jargon buster

A list of key terms and phrases we'd like to help you understand.

Set Tab for lightbox