Intermediary

Fixed Rate Mortgages

Find details below of all fixed rate products

All products available from 07 November 2017

Note: Fixed Rates can be withdrawn at anytime

We have a range of 3 year fixed, 4 year fixed, 5 year fixed and 7 year fixed - details of full product range available on product sheet

3 Year Fixed Products

Product Rate APRC Max LTV
End Date
Breaking Cost

3 Year Fixed 3.15% 4.1% 60% 31/03/2021 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
3 Year Fixed 3.19% 4.1% 80% 31/03/2021 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
3 Year Fixed 3.35% 4.1% 90% 31/03/2021 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
3 Year Fixed - Loyalty* 2.95% 4.0% 60% 31/03/2021 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
3 Year Fixed - Loyalty* 2.99% 4.0% 80% 31/03/2021 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
3 Year Fixed - Loyalty* 3.20% 4.1% 90% 31/03/2021 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
3 Year Fixed - Loyalty Plus** 2.75% 3.9% 60% 31/03/2021 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
3 Year Fixed - Loyalty Plus** 2.85% 4.0% 80% 31/03/2021 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
3 Year Fixed - Loyalty Plus**
3.10% 4.0% 90% 31/03/2021 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term

*Loyalty - available to Ulster Bank current account customers with salary mandated to Ulster Bank current account. 

**Loyalty Plus - available to Ulster Bank current account customers who are borrowing €200,000 with salary mandated to Ulster Bank current account.

4 Year Fixed Products

Product Rate APRC

Info

Max LTV End date Breaking cost
4 Year Fixed* 2.60% 3.70% N/a    80% 31/03/2022  Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
4 Year Fixed* 2.99% 3.90% N/a     80%   31/03/2022 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term

*4 Year Fixed - is available to (1) First Time Buyers borrowing €200,000 or more, with LTV of up to 90% and a Loan to Income ratio of up to 3.5 times; (2) customers switching their mortgage from another lender without seeking any additional top-up who are borrowing €200,000 or more, with LTV of up to 90%; or (3) all other customers borrowing €200,000 or more, with LTV of up to 80% and a Loan to Income ratio of up to 3.5 times.

 5 Year Fixed Products

Product Rate APRC

Info

Max LTV End date Breaking cost
5 Year Fixed 3.35% 4.0% N/a
60% 31/03/2023 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
5 Year Fixed 3.40% 4.0% N/a
80% 31/03/2023 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
5 Year Fixed 3.75% 4.2% N/a
90% 31/03/2023 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
5 Year Fixed - Loyalty* 3.10% 3.8% N/a
60%
31/03/2023 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
5 Year Fixed - Loyalty* 3.20% 3.9% N/a
80%
31/03/2023 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
5 Year Fixed - Loyalty* 3.50% 4.0% N/a
90% 31/03/2023 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
5 Year Fixed - Loyalty Plus** 2.90% 3.7% N/a
60% 31/03/2023 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
5 Year Fixed - Loyalty Plus** 2.99% 3.8% N/a
80% 31/03/2023 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
5 Year Fixed - Loyalty Plus** 3.40% 4.0% N/a
90% 31/03/2023 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
5 Year Fixed - High Value***2.50%3.5%N/a     80%31/03/2023Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term

*Loyalty - available to Ulster Bank current account customers with salary mandated to Ulster Bank current account.

**Loyalty Plus - available to Ulster Bank current account customers who are borrowing €200,000 with salary mandated to Ulster Bank current account.

***High Value - Minimum Loan Amount €500,000

7 Year Fixed Products

Product Rate APRC Info Max LTV End date Breaking cost
7 Year Fixed 3.29% 3.8% N/a 60% 31/03/2025 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
7 Year Fixed 3.39% 3.8% N/a 80% 31/03/2025 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
7 Year Fixed 3.49% 3.9% N/a 90% 31/03/2025 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term

Buy To Let

Product Rate APRC Info Max LTV End date Breaking cost
BTL 2 Year Fixed 4.50% 4.6% N/a 60%* 31/03/2020 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
BTL 2 Year Fixed 4.95% 4.7% N/a 70%* 31/03/2020 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
BTL 5 Year Fixed 4.95% 4.9% N/a 60%* 31/03/2023 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term
BTL 5 Year Fixed 5.4% 5.1% N/a 70%* 31/03/2023 Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term

* Buy To Let products: 70% LTV is only permitted if the property being purchased is in the cities of Dublin, Cork, Galway or Limerick. Otherwise max LTV permitted is 50%