Manage your Ulster Bank Mortgage - Mortgages | Ulster Bank

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Manage your mortgage

How can we help?

Request a callback from a mortgage adviser

Your home may be repossessed if you do not keep up repayments on your mortgage.

 

Ulster Bank mortgages are available for over 18s.

What would you like to do today?

Sometimes you may want to make some changes to the terms we agreed at the start or maybe you just want to check your remaining balance on your mortgage.

The sections below explain how you can do a variety of common mortgage tasks.

Couple in branch with mortgage adviser

My current deal is ending soon

If you are coming to the end of your current mortgage offer, or just simply reviewing your finances, we offer a clear and simple range of mortgage rates. Product fees may apply.

What should I do?
Managing your mortgage Will I be notified my deal is ending?

2 months before your mortgage deal is due to end we will send you a reminder letter advising you of your current balance and remaining term.  This letter will also explain how you can view the range of mortgage rates available for you to choose from.  

If your deal is due to end soon and you've not yet received this letter, please contact us to discuss your options.

 

Call our team on 028 9027 6431

Lines are open:
Mon to Fri 9.00am - 5.00pm
(excluding bank holidays)
Calls may be recorded
Calls cost up to 10p per minute plus up to 16p connection charge from BT lines
Calls from other networks may vary

Get in touch
View our mortgage rates
Couple shopping

I would like to borrow more

If you are considering borrowing more on your mortgage, and already have a mortgage with us, we may be able to lend you up to 90% of your property’s value.




Get in touch

I want to move and keep my existing rate

If you are considering moving home you may be able to keep your existing rate up to your existing level of borrowings.

 

 

 

Get in touch

I would like to make an overpayment on my mortgage

There are two main ways to make an overpayment into your mortgage, either by making a lump sum payment or by making regular extra monthly overpayments.

Use our overpayment calculator to see how much you could save.

An early repayment charge may apply.

Mortgage overpayment calculator

I would like to...

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Icon expand Check my mortgage balance

It may be possible to view your up to date mortgage balance by logging into Anytime banking.

Find out how to register for Anytime banking

 

Alternatively you can call our team on the number below:

Phone: 0345 300 6086

Opening hours:
Mon-Fri 8am-8pm
Sat 9am-4pm
Excluding public holidays
Calls may be recorded
Calls cost up to 10p per minute plus up to 16p connection charge from BT lines.
Calls from other networks may vary.

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Icon expand Make an overpayment on my mortgage

There are two main ways to make an overpayment into your mortgage, either by making a lump sum payment or by making regular extra monthly overpayments.

Use our overpayment calculator to see how much you could save by making either extra monthly payments or paying a lump sum to your capital repayment mortgage.

Mortgage overpayment calculator

For fixed rate mortgages, an early repayment charge is due if you repay all or part of your mortgage before the end of the set fixed period. The charge is 3% of the amount repaid, however you can make an overpayment of up to £1,000 each year without any penalty.

There are no early repayment charges if you are on a tracker rate or a flexible variable rate mortgage.

If you wish to make an overpayment please call our team on the number below:

Phone: 0345 300 6086

Opening hours:
Mon-Fri 8am-8pm
Sat 9am-4pm
Excluding public holidays
Calls may be recorded
Calls cost up to 10p per minute plus up to 16p connection charge from BT lines.
Calls from other networks may vary.

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Icon expand Move house

As an existing mortgage customer, you may be able to take your mortgage deal with you to your new home. This is known as porting. Alternatively, you may prefer to choose a new deal for your mortgage.

If you want to find out more about your options, and which is right for you, book an appointment with one of our Mortgage Advisers.

Book an appointment

Our web chat agents can book an appointment at your local Ulster Bank branch

Chat Now

 

 

Alternatively call 0800 046 6486 to make an appointment

 

Lines are open: 

Mon & Fri 8.30am - 8pm

(excluding bank holidays)

Calls may be recorded. Calls from mobile phones may not be free.

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Icon expand Change the date my mortgage repayment is made

If you want to change the date that your mortgage repayment is made we could make the change within 5 working days.

Please call our team to change your mortgage payment account details on the number below.


Phone: 0345 300 6086

Opening hours:
Mon-Fri 8am-8pm
Sat 9am-4pm
Excluding public holidays
Calls may be recorded
Calls cost up to 10p per minute plus up to 16p connection charge from BT lines.
Calls from other networks may vary.

 

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Icon expand Change the account my mortgage repayment is taken from

If you want to change the account that your mortgage Direct Debit comes from we could make the change within 5 working days.

Please call our team to change your mortgage payment account details on the number below:

Phone: 0345 300 6086

Opening hours:
Mon-Fri 8am-8pm
Sat 9am-4pm
Excluding public holidays
Calls may be recorded
Calls cost up to 10p per minute plus up to 16p connection charge from BT lines.
Calls from other networks may vary.

 

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Icon expand Request a redemption statement / final settlement letter

If you want to pay your mortgage off in full, or are in the process of remortgaging to another provider, you will need a redemption statement, sometimes this is also known as a final settlement letter.

This will typically contain your current mortgage balance, outstanding interest, daily rate of interest, early redemption fees and closure fees (if applicable). Your redemption statement is valid for 4 weeks from the issue date.

Please call our team to request this on the number below:

Phone: 0345 300 6086

Opening hours:
Mon-Fri 8am-8pm
Sat 9am-4pm
Excluding public holidays
Calls may be recorded
Calls cost up to 10p per minute plus up to 16p connection charge from BT lines.
Calls from other networks may vary.

 

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Icon expand Repay my mortgage in full

Please call our team to arrange repayment of your mortgage in full on the number below:

Phone: 0345 300 6086

Opening hours:
Mon-Fri 8am-8pm
Sat 9am-4pm
Excluding public holidays
Calls may be recorded
Calls cost up to 10p per minute plus up to 16p connection charge from BT lines.
Calls from other networks may vary.

 

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Icon expand Discuss my options as my home is in negative equity

If your home is in negative equity, you can contact your branch to discuss your options or contact our team on the number below:

Phone: 0345 301 6910

Opening hours:
Mon-Thu 9am-6.30pm
Fri 9am-6pm
Sat 9am-1pm
Excluding public holidays
Calls may be recorded
Calls cost up to 10p per minute plus up to 16p connection charge from BT lines.
Calls from other networks may vary.

 

 

Book an appointment

Our web chat agents can book an appointment at your local Ulster Bank branch

Chat Now

 

 

Alternatively call 0800 046 6486 to make an appointment

 

Lines are open: 

Mon & Fri 8.30am - 8pm

(excluding bank holidays)

Calls may be recorded. Calls from mobile phones may not be free.

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Icon expand Discuss my options as I'm having trouble paying my mortgage

The number one priority if you are having trouble paying your mortgage is to talk to us. Whether it is because of unemployment, sickness or any other reason, we are committed to acting fairly and finding the best solution.

You can be confident that your individual situation will be dealt with confidentially by specialised staff who will outline the best and most appropriate option for you.

Contact our team on the number below:

Phone: 0345 301 6910

Opening hours:
Mon-Thu 9am-6.30pm
Fri 9am-6pm
Sat 9am-1pm
Excluding public holidays
Calls may be recorded
Calls cost up to 10p per minute plus up to 16p connection charge from BT lines.
Calls from other networks may vary.

 

Getting started is easy Tools and calculators

Use our mortgage calculators to find out how much you could borrow and find a mortgage to suit you. Also see you much you could save if you make an overpayment.

The Money Advice Service's monthly budget calculator can help you see how much you could trim your spending and start saving for your new home.

This link is to a non Ulster Bank website. Ulster Bank is not liable for the accuracy of the information provided on this website.

Helpful guides

Mother & daughter working at desk Common questions

Answers to questions we are asked most often about mortgages.

Row of terrace houses Jargon buster

A list of key terms and phrases we'd like to help you understand.

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