All products available from 11 July 2019
Note: Fixed Rates can be withdrawn at anytime
We have a range of 2 year, 3 year, 4 year, 5 year and 7 year fixed - details of full product range available on product sheet
2 Year Fixed Products
| Product | Rate | APRC | Max LTV | End date | Breaking cost |
|---|---|---|---|---|---|
| 2 Year Fixed *** | 2.30% | 4.0% | 60% | 30/09/2021 | Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term |
| 2 Year Fixed *** | 2.30% | 4.0% | 80% | 30/09/2021 | Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term |
| 2 Year Fixed *** | 2.30% | 4.0% | 90% | 30/09/2021 | Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term |
*** 2 Year- Available only where customer borrowing no more than maximum lending under CBI macro prudential rules
3 Year Fixed Products
| Product | Rate | APRC | Max LTV | End date | Breaking cost |
|---|---|---|---|---|---|
| Loyalty 3 Year Fixed * | 2.80% | 3.9% | 60% | 30/09/2022 | Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term |
| Loyalty 3 Year Fixed * | 2.85% | 4.0% | 80% | 30/09/2022 | Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term |
| Loyalty 3 Year Fixed * | 2.90% | 4.0% | 90% | 30/09/2022 | 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 | 2.90% | 4.0% | 60% | 30/09/2022 | 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 | 2.95% | 4.0% | 80% | 30/09/2022 | 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 | 2.99% | 4.0% | 90% | 30/09/2022 | 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.
4 Year Fixed Products
| Product | Rate | APRC | Max LTV | End date | Breaking cost |
|---|---|---|---|---|---|
| 4 Year Fixed *** | 2.60% | 3.7% | 60% | 30/09/2023 | 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 *** | 2.60% | 3.7% | 80% | 30/09/2023 | 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 *** | 2.60% | 3.7% | 90% | 30/09/2023 | Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term |
*** 4 Year- Available only where customer borrowing no more than maximum lending under CBI macro prudential rules
5 Year Fixed Products
| Product | Rate | APRC | Max LTV | End date | Breaking cost |
|---|---|---|---|---|---|
| Loyalty 5 Year Fixed * | 2.80% | 3.7% | 60% | 30/09/2024 | Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term |
| Loyalty 5 Year Fixed * | 2.85% | 3.7% | 80% | 30/09/2024 | Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term |
| Loyalty 5 Year Fixed * | 2.90% | 3.7% | 90% | 30/09/2024 | 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 | 2.90% | 3.7% | 60% | 30/09/2024 | 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 | 2.95% | 3.7% | 80% | 30/09/2024 | 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 | 2.99% | 3.8% | 90% | 30/09/2024 | Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term |
| High Value 5 Year Fixed ** | 2.50% | 3.5% | 60% | 30/09/2024 | Lower of 6 months gross interest or Breaking cost breakage formula if redeemed in full or part before end of fixed term |
| High Value 5 Year Fixed ** | 2.50% | 3.5% | 80% | 30/09/2024 | 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.
** High Value - Minimum Loan Amount €500,000
7 Year Fixed Products
| Product | Rate | APRC | Max LTV | End date | Breaking cost |
|---|---|---|---|---|---|
| 7 Year Fixed | 2.99% | 3.6% | 60% | 30/09/2026 | 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 | 2.99% | 3.6% | 80% | 30/09/2026 | 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 | 3.29% | 3.8% | 90% | 30/09/2026 | 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 | Max LTV | End date | Breaking cost |
|---|---|---|---|---|---|
| BTL 2 Year Fixed | 4.50% | 4.6% | 60%* | 30/09/2021 | 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% | 70%* | 30/09/2021 | 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% | 60%* | 30/09/2024 | 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 | 5.40% | 5.1% | 70%* | 30/09/2024 | 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%