Lending criteria, terms and conditions apply. Over 18s only and Republic of Ireland residents only. Mortgaged property must be in Republic of Ireland. Security, buildings insurance and life cover required.
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.
We currently have the lowest 2 and 4 year fixed rates on the market
Source: Bonkers mortgage comparison, 12 December 2018
https://www.bonkers.ie/compare-mortgages/
Time to get a move on?
Whether you're moving to a bigger home or downsizing, or simply moving to a new area, we're here to help.
We can help find a new mortgage to suit your needs.
We have tools and calculators to help you plan and helpful guides to lead you through every step.
If you are ready to make a move you can show agents and sellers that you're a serious buyer with our Agreement in Principle letter.
This includes first time buyers, home movers, switchers and buy to let customers for mortgage applications submitted by the 31st December 2019.
Find out more about the offer and who is eligible.
I have an Ulster Bank mortgage
As an existing customer, we can talk you though your options and help you choose a new deal.
I have an Ulster Bank tracker rate and / or I'm in negative equity
Our Home Mover mortgages are for existing Ulster Bank personal mortgage customers who are either on a tracker interest rate or have a loan to value ('LTV') above 90% on a fixed or a variable rate and wish to move home.
My mortgage is with another lender
Our Mortgage specialists could help you with switching so you can take advantage of our range of fixed and variable rate mortgages.
Get in touch to find the right Ulster Bank mortgage for you.
About our mortgages
Fixed rate mortgages
Our fixed rate mortgages may make budgeting a little easier as the repayment amount is fixed for an initial term
Flexible variable mortgages
These mortgages track the Ulster Bank Standard Variable Rate plus or minus a set margin for the entire life of the loan
Eligibility criteria
Find out about our eligibility criteria including how much you could borrow and for how long
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.
Helpful guides
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.
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.