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about our mortgages
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.
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.
You may be able to switch your current mortgage to a new home or we can help find a new mortgage to suit your needs.
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 offers issued by 31 December 2018.
Find out more about the offer and who is eligible.
I have an Ulster Bank mortgage
As an existing mortgage customer, you may be able to take your mortgage deal with you to your new home.
Or, you may prefer to choose a new deal for your mortgage. We'll talk you through your options.
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
Find out about our eligibility criteria including how much you could borrow and for how long
Our step-by-step guide to help you buy your new home.
Our step-by-step guide to the mortgage application
Answers to questions we are asked most often about mortgages.
A list of key terms and phrases we'd like to help you understand.