Switching your mortgage could free up funds to help you make these changes. Registered No 25766. Mortgage Calculator. A private company limited by shares, trading as Ulster Bank, Ulster Bank Group, Banc Uladh, Lombard and Ulster Bank Invoice Finance. Republic of Ireland residents only. Ulster Bank welcomes applications from all customers, existing or not. The Current Account Switch Offer provides new customers who switch their mortgage to Ulster Bank and open an Ulster Bank current account the opportunity to receive a one-off cash payment to the sum of €500. A private company limited by shares, trading as Ulster Bank, Ulster Bank Group, Banc Uladh, Lombard and Ulster Bank Invoice Finance. Mortgaged property must be in Northern Ireland. The impacts of the current circumstances surrounding the COVID 19 outbreak could cause delays and uncertainty to the mortgage and valuations process which are beyond the Bank’s control. Joint mortgage customers who each open individual current accounts will be eligible for a €500 cash payment to be made to each eligible current account. We will resume services at 7am. Ulster to launch new paperless mortgage application. If you are moving a joint account, this can only be switched to a joint account in the same names. For detailed information on our Terms and Conditions as well as our Fees and Interest, please visit. Mon-Fri 8am-6pm, Sat 9am-4pm, Sun Closed. 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. Book a time that suits you with one of our dedicated Mortgage Managers, WARNING: YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT, WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED RATE MORTGAGE EARLY, WARNING: IF YOU DO NOT MEET THE REPAYMENTS ON YOUR LOAN, YOUR ACCOUNT WILL GO INTO ARREARS. Lump sum payments – are allowed, to pay a large amount off in one go and reduce the amount of total interest. Northern Ireland residents only. Currently Ulster Bank pay €1,500 in cash for your Legal Fees within two months of switching your mortgage. When you take out a mortgage, we expect you to take out buildings insurance to cover damage or rebuilding costs if needed. But they have to switch lender is they are paying high rates. KBC Home Insurance products are underwritten, administered and provided by Zurich Insurance plc. AIB is currently offering €2,000 in cash to anyone who switches their mortgage to the bank. The fees can vary but should be agreed with your solicitor before the process. I would like to move house and keep my existing rates, Request a callback from a mortgage adviser. Compares thousands of mortgages. Mortgage application must be submitted by 30th June 2021. It is important that you get the cover you need in order to protect you and your home. The value of your home may be lower than before the COVID 19 pandemic. “Switching your mortgage may seem … KBC Bank Ireland plc has an exclusive agency agreement with Zurich Insurance plc for the provision of Home Insurance. public holidays). It is available to all new mortgage customers and existing mortgage customers who wish to switch to a new product and where their home has a BER rating of B2 or higher. Please call our team to change your mortgage payment account details on the number below. Switch it Up Live will feature information and inspiration in association with Ulster Bank Sponsored by Ulster Bank On Thursday, October 1st at 7pm, The Irish Times will host its first virtual mortgage switcher event in association with Ulster Bank. The €500 cash payment will be paid to your current account, within 3 months of you having met all of the required criteria above. A property which you do not currently own, or one owned by a limited company or trust. Ready to switch your mortgage to a different product, or just want a look at what we could offer you? Switch a residential mortgage to Ulster Bank between 27 th July and 21 st September 2020, to be completed by the date outlined in your mortgage offer letter and; Open an Ulster Bank Current or Standard Account and complete the all of the following within 3 months of switching your mortgage: Pay in at least €2,000 to your new account; Already have a Premier Banking account with us? Registered No 25766. Or talk to our team today. You can make overpayments of up to £1,000 in any 12 month period (commencing from the date the mortgage was drawn down) without incurring an early repayment charge. Switching your mortgage could free up funds to help you make these changes. With Ulster Bank, non-current account holders taking out a €300,000 mortgage … More than 8,000 Irish households aggregating over one billion euro worth of mortgage buying power have helped unlock Ireland's first ever group discounted mortgage offer. We will resume services at 7am. Your current LTV will be shown in the letter you will have received and is worked out as a percentage of the current balance of your mortgage in relation to the value of your home. ... Rates can decrease in line with Ulster Bank Standard Variable Rate, meaning that your monthly mortgage payment would be lower. If you typically choose a mortgage with a fee you may pay 3 fees over a 5 year period (1 fee for each 2 year deal period). Important: to avail of this offer you can’t already have an Ulster Bank current account prior to 27th July 2020. Lines are open: Mon to Fri 9am-5pm … We can offer a clear and simple range of mortgage rates, many with no upfront fees. Registered Office: Ulster Bank Group Centre, George’s Quay, Dublin 2 D02 VR98. Switching your mortgage could free up funds to help you make these changes. ... Mortgage Best Buys. After the term of the product comes to an end the rate will revert to our Standard Variable Rate (SVR). Please try again later or call us on: 01 709 2500 or 1890 252270 for further assistance. Maximum loan to value is 90%. With Ulster Bank, non-current account holders taking out a €300,000 mortgage can get a variable rate of 3.90%. This is called an Early Redemption Fee or breakage cost. Remember also to look out for the valuation becoming available. To help your switch progress as smoothly as possible, please ensure your personal details are the same on both your Ulster Bank account and the account you’d like to move. 2 months before your mortgage deal is due to end we will send you a reminder letter advising you of your current home value, outstanding mortgage balance, remaining term and repayment type. House with Tick Where existing customers are taking a Top Up on their mortgage, or moving to a 10 year ECB tracker rate, they can avail of the offer so long as they are borrowing at least an additional €40,000 at our fixed or variable rates, and the new Loan to Value will be no more than 90%. Registered No 25766. If you are moving a joint account, this can only be switched to a joint account in the same names. Interest will continue to accrue during a payment holiday, and when a payment holiday has ended the underpaid amount will be included in the mortgage balance and the repayment will be calculated over the remaining term. You will have to select your solicitor and settle your solicitor fees. Mortgages Mortgages with Ulster Bank just got easier. Ulster Bank is to cut its mortgage rates as the home-loan price war gathers pace. Phone: 0345 300 6086. When you make the switch to Ulster Bank, you could save money on your repayments and even reduce the time left on mortgage. It is available to all new mortgage customers and existing mortgage customers who wish to switch to a new product and where their home has a BER rating of B2 or higher. On Thursday, October 1st at 7pm, The Irish Times will host its first virtual mortgage switcher event in association with Ulster Bank. 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. 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. The event is part of Switch it Up, a really useful 12-part content series that’s filled with information and inspiration for potential mortgage switchers. Payment holidays are subject to approval and conditions and are not available during the first six months of your mortgage. Regular overpayments – are allowed, to clear your mortgage faster and reduce interest paid over the mortgage term. £100 Ulster Bank NI switch offer - ends 19 November 2020 - Page 3. Registered in Republic of Ireland. Tue, 19 Apr, 2016 - 01:00 Our mortgage team will assess your application and any supporting documents to build up an overall picture of how you manage your finances. Where we receive confirmation that the property value has reduced, we'll need to complete a reassessment as a change to the loan amount may be required. Your solicitor will go through the loan offer and advise you on any questions or concerns you might have. The offer is not available to customers who only submit an Approval In Principle application during this period. 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. Excluding public holidays. Compares thousands of mortgages. As awarded by bonkers.ie National Consumer Awards on 27th February 2020. On Thursday, October 1st at 7pm, The Irish Times will host its first virtual mortgage switcher event in association with Ulster Bank. Contact our dedicated mortgage team. Zurich Insurance plc is regulated by the Central Bank of Ireland. Ulster Bank will make a one-off cash payment of €500 to eligible mortgage switcher customers who open a new current account and meet the criteria below. One Big Switch gets better mortgage offer from Ulster Bank Ulster Bank is to slash its mortgage rates following a massive consumer switcher campaign. It’s important to consider what’s best for you. If your deal is due to end soon and you've not yet received this letter, please request a phone appointment to discuss your options. Icon expandChange the date my mortgage repayment is made. House with Tick Offer is available across the Ulster Bank residential and buy to let mortgage product range, House with Tick Mortgage application must be submitted by 30th June 2021, House with Tick €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 drawdown. Your monthly payments won’t increase for 5 years, so you can budget for the long term. Registered in Republic of Ireland. Eight calcs for all your mortgage sums. We have a team of qualified advisers who can take you through all of the options, and recommend a new deal for you. Get started by logging in to "Manage my Mortgage" and get a personalised quote in only a few minutes. Offer is available across the Ulster Bank residential and buy to let mortgage product range. You could take your fixed rate deal with you if you move home. You should also keep a copy for yourself. Ulster Bank mortgages are available for over 18s Request a call back from a mortgage … If interest rates decrease then you would not benefit from a reduction in your monthly payment. €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 … 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. Registered in Republic of Ireland. ... Mortgage Best Buys. Our flexible variable rate mortgage tracks the Ulster Bank Standard Variable Rate for the entire life of the loan. House with Tick Otherwise, the offer excludes customers taking 10 year ECB tracker rates, top up / further advance, offset mortgages, negative equity rates, or seeking only to transfer title. 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