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Irish Mortgage Lender Profiles - Ulster Bank
Ulster Bank Mortgages (Republic of Ireland)
Ulster Bank have become more and more competitive over the last few years.
Loan To Value:
- First Time Buyers: 92% Mortgages
- Owner Occupiers: 92% Mortgages
- Refinancing: 85% Mortgages
- Buy to Let: 85% Mortgage
Mortgage Terms:
- First Time Buyers & Owner Occupiers: Up to 40 years
- Buy to Let: Up to 25 years
- Age on completion must be 70 years or less
Flexible Mortgage Options:
- Interest Only mortgages:
Borrowing up to 92%: Up to 2 years interest only
Borrowing up to 80%: Up to 5 years interest only
Buy to Let: 5 years interest only
- Mortgage Holiday:
Ulster Bank will consider offering mortgage breaks of up to three months, once the mortgage has been in place and paid on time for a period of 12 months. This can be very beneficial during maternity breaks, career breaks or in the case of redundancy.
Who will Ulster Bank appeal to?
- First Time Buyers
They tend to offer First Time Buyers bigger mortgages than most other banks.
Who will Ulster Bank not appeal to?
- People with a lot of existing loans:
People with significant existing loan commitments will usually qualify for a bigger mortgage with some of the other lenders.
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