Amazingly, a simple current account switch could potentially save you in excess of €10,000 over the lifetime of your mortgage. A property which you do not currently own, or one owned by a limited company or trust. Lorraine Costelloe, head of home buying and ownership at Ulster Bank, says there has never been a better time to switch to an Ulster Bank fixed rate. Our mortgage team will assess your application and any supporting documents to build up an overall picture of how you manage your finances. Compares thousands of mortgages. Switch your mortgage to Ulster Bank and open an Ulster Bank Current or Standard Account and receive €500 provided you: Pay in at least €2,000 to your new account; Set up at least two monthly Direct Debits on your new current account and; Register for and log into Anytime Internet Banking or Mobile Banking. Ulster Bank is to cut its mortgage rates as the home-loan price war gathers pace. The type of life cover you’ll need depends on how much you’ve borrowed, for how long and what sort of mortgage you have. Use our calculator to work out your monthly repayments on a range of Danske Bank mortgages. ... Mortgage Best Buys. With Ulster Bank, non-current account holders taking out a €300,000 mortgage … Compares thousands of mortgages. Rates can decrease in line with Ulster Bank Standard Variable Rate, meaning that your monthly mortgage payment would be lower. Mortgages Mortgages with Ulster Bank just got easier. Currently anyone who switches their mortgage to Ulster Bank will get €1,500 in cash towards their legal fees, Now the bank is also offering an extra €500 to mortgage holders who also switch their current … Mortgaged property must be in Northern Ireland. Calls may be recorded. Eight calcs for all your mortgage … Your monthly payments won’t increase for 5 years, so you can budget for the long term. Registered in Republic of Ireland. Registered Office: Ulster Bank Group Centre, George's Quay, Dublin 2, D02 VR98. Ulster Bank Ireland DAC is regulated by the Central Bank … 0800 389 0833. When you make the switch to Ulster Bank, you could save money on your repayments and even reduce the time left on mortgage. Lorraine Costelloe, head of home buying and ownership at Ulster Bank, says there has never been a better time to switch to an Ulster Bank fixed rate. Zurich Insurance plc is regulated by the Central Bank of Ireland. Payment holidays are subject to approval and conditions and are not available during the first six months of your mortgage. Your home may be repossessed if you do not keep up repayments on your mortgage. The bank said that a customer with a 25-year, €250,000 mortgage (80% LTV) on a variable rate of 4.5% could save over €300 on their monthly repayments over five years by switching to its five-year fixed rate of 2.2%. You're tied into the deal, which means if you no longer want the product or the mortgage during the term of the deal, you could incur an early repayment charge. When you apply for a mortgage with us, you can now upload, sign and view your documents online when you apply by phone or in branch. Registered in Republic of Ireland. Offer is available across the Ulster Bank residential and buy to let mortgage product range. Lending criteria, terms and conditions apply. It’s important to consider what’s best for you. It is important that you get the cover you need in order to protect you and your home. We are the best provider of switcher mortgages in Ireland! We can offer a clear and simple range of mortgage rates, many with no upfront fees. We have a 'switcher' process for customers wishing to switch from one type of ulster Bank mortgage to another, please contact us . This is subject to conditions and we’ll tell you more about this in your mortgage illustration. On Thursday, October 1st at 7pm, The Irish Times will host its first virtual mortgage switcher event in association with Ulster Bank. As part of your mortgage switcher application you can apply to borrow additional finance for home improvements, or refinance short term external debt (not including credit card debt) subject to the following conditions, - Facilities to be refinanced must have been held for a minimum of 12 months, - Satisfactory repayment history of the debt to be refinanced, over the last 12 months. Once you’ve opened your current account, you’ll be bound by our Personal Banking Terms and Conditions, which contain all the terms applicable to your current account, including any regular criteria you need to meet in order to keep your account and use the account benefits. €1,500 payment as a contribution to your legal fees will be made into the current account from which your mortgage payment is made after mortgage … You may also want to think about: Your interest rate is set for a fixed period. Knowing your buying power will give you the knowledge needed when you start looking for that perfect home. If you want to change the date that your mortgage repayment is made we could make the change within 5 working days. Calls may be recorded. ... Mortgage Best Buys. Mortgage application must be submitted by 30th June 2021. Existing Ulster Bank mortgage rates and proposition: ... Rates can decrease in line with Ulster Bank Standard Variable Rate, meaning that your monthly mortgage payment would be lower. Ulster Bank mortgages are available for over 18s Request a call back from a mortgage … Ulster Bank. Our new Switch it Up series with Ulster Bank, to run bi-weekly, is designed to deliver helpful information and inspiration to help you get the most from your home. If you open an eligible current account and meet the criteria above, you will still receive the payment if you convert the account to another account type before the payment is made. You should review your current insurance policies to check if they remain suitable or if they need to be updated when you switch your mortgage. It's unusual for a bank in NI to offer a switch bonus, however does anyone recommend Ulster Bank as a decent bank to switch to? With Ulster Bank, non-current account holders taking out a €300,000 mortgage can get a variable rate of 3.90%. One Big Switch gets better mortgage offer from Ulster Bank Ulster Bank is to slash its mortgage rates following a massive consumer switcher campaign. Once the product term ends the mortgage will revert to Ulster Bank’s Standard Variable Rate (SVR), currently 4.24% variable, which means the rate could go up or down. We are currently unable to accept applications where Loan to Value exceeds 85% (‘Loan to Value’ or LTV is the ratio of your mortgage to the value of your property. Source: bonkers.ie, Mortgage Comparison, 15th September 2020. Registered No 25766. As well as our excellent range of competitive fixed and variable interest rates on offer, we also pay €1,500 into the current account used to pay your mortgage – all within two months of switching! Mortgage Calculator. Switch to a new mortgage deal If your rate is up for renewal have a look at how we can help Request a callback from a mortgage adviser. Registered in Republic of Ireland. How this site works. 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